davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc. (KS)

I notified Merchant Adjustment Service of the identity theft and resulting debt in my name. MAS refused to address the issue and remove the debt from my credit report. I provided a copy of my identity documents and FTC Identity Theft Affidavit. MAS has still refused to remove the debt from my credit report.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

For the past several years I have monitored my credit. I have paid off most debt and have NOT use for credit for any reasons items have been removed because they were my medical records inquiries have been removed because of fraud. I have gone back and forth with XXXX EXQUIFAX AND XXXX with little to no help. My reports dont update accurately items are not being removed. I have told each agency those inquiries arent mine. My scores arent being scored properly I am owed at least XXXX  points on each report.
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

In XX/XX/XXXX I had a home mortgage with Bank of America ( {$300000.00} ). In XX/XX/XXXX, I filed for bankruptcy. At this time, BOA sold this mortgage to XXXX. I had this mortgage re-certified with XXXX during the bankruptcy. Never missed ANY payments, loan was never in default either with BOA or XXXX. In XXXX of XXXX, BOA filed or claimed that my mortgage was delinquent and in collections at the sum of {$330000.00}? This information is reflected on my XXXX credit report as a " Collection Account ''. This false information affects my credit status, my credit score and is incorrect. I believe BOA filed my old mortgage, with ( fraud ) the government and reported my mortgage to the Feds to be reimbursed under the banking " bailout '' policies at the time. I need to have this discrepancy removed from my credit file and BOA needs to be investigated for fraud.
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC. (VA)

I am requesting proof that a check was sent in my name to XXXX XXXX, please provide me with proof that I actually owe a debt, you are reporting incorrect information on my credit reports! Please remove until investigation has been completed.
Consumer complaint received 2023-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc. (CO)

Dovenmuehle is my mortgage service provider on my VA home loan. Each monthly statement claims that I am a month behind. I have never misses a payment. The company has sent me their record of my payment history which shows that I have never misses a payment. The company reports to the VA every month that I am current, and in good standing. Even though Dovenmuehl 's own records show all payments made, and according to their reporting to the VA I have never been delinquent, they are unable, or unwilling to resolve the clerical error. Dovenmuehl has caused me harm with their clerical error, because I was unable to take advantages of historical low refinance rates, while they were available. This harm continues as I am unable to utilize the equity in home, as no lenders will work with me while my statements show me as delinquent.
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MN)

Today, XX/XX/2023 @ XXXX a.m., I received an email, from Nelnet, regarding a student loan. How could this be? This company receives loans from Great Lakes and I have never had any dealing with Great Lakes and don't have any knowledge as to how they got my information. While submitting this complaint, I am on the phone waiting for a loan servicing specialist to assist me with the information needed to find out, how, why and when this loan was issues? Please contact this company and inform them of the dispute. As I am continuing to submit this complaint, I tried to enter my information into the automated system, my social security number and date of birth were correct, but when it asked me for my zip code, it was incorrect. This made me aware, that the address information on file is not mine and when the loan was taken out, the address used is not mine. For the past 12 to 13 years, I was homeless! So, I am wondering how and why this occurred?
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. The following accounts must be corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permisible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 
Best regards, XXXX XXXX
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK (SC)

Company : Midland Mortgage did the loan for my parents ( XXXX XXXX & XXXX XXXX house. My parents left the house to me. So I tried and tried to get my name on the loan ( assume the loan ). Midland mortgage unknown to my knowledge kept making me do application after application, but they had me doing a regular application like I was just trying to buy a house with terrible credit which I knew I had but that was not the case. I should have been given the application and lead to assume my mothers loan for her house that was almost paid for. Sad to say I know yet its life. I was in prison when my mother passed away so I came home to a total mess, family tore apart, house on the verge of foreclosure and they totally mislead me and took advantage of my lack of knowledge to swindle me out of my parents home. I even tried to file for bankruptcy but it would have taken everything I had into it which I also didnt know so I didnt file and they had me do another application which they made me fill out the same kind of application only to deny me for a new mortgage with a terrible credit score. They took my parents home that we lived in over XXXX. Please help me! Wish I knew of you all then.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Re : Disputing errors on credit report To whom it may concern, This complaint is against XXXX XXXX XXXX for the account XXXX XXXX XXXXor the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of 1974. 

Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between XXXX XXXX XXXX and me. 

Furthermore, I am requesting that XXXX XXXX XXXXXXXX  provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that have been adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. I am giving XXXX XXXX XXXX 30 days from the date that of the receive complaint to provide me with the information that I am requesting. If the requested information is not received in the allotted time given, then it will be assumed that the late payments can not be verified on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request the removal of the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and an update to the accounts to positive and paid as agreed. 

Your cooperation in this matter is crucial to ensure the accuracy of my credit report and safeguard my rights as a consumer under the FCRA. I look forward to a timely resolution.
Consumer complaint received 2023-11-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/XXXX a charge was made for {$560.00} and on XX/XX/XXXX a charge was made for XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never been to this store. As soon as I realized the charges I called comenity ( the company XXXX  uses for their credit cards ) to dispute the charges. They told Me they did an investigation and found I was responsible for the charges. I had never been to that store prior to today, XX/XX/XXXX. I went to the store to find out if they could give me video footage but they will not.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MO)

On XX/XX/2023 I wake up and see that Discover has taken a payment amount of {$360.00} without my consent and claim I have set up auto pay which I have immediately revoked access to. I have reached out to my bank and they refuse to dispute the amount. I filed a complaint against discover last month and I was supposed to do 3 payments of {$68.00}, which I did but one month was XXXX because I used the last little cash back bonus to make it less. On XX/XX/XXXX, at around XXXX XXXX time I have contacted a live agent from discover that it was an error and should have been reflected back to good standing according to the complaint I filed the company responded with. I should of had a fresh start on my account with a new minimum payment and apparently that was never the case. I have tried and called them and they don't want to fix it. I even contacted my bank and they have also refuse to refund the credit.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Ok I opened an account with capital one After I Received my debit cards I got an email from capital one stating that my accounts are potentially closed I after that I gave them a call and they told me there closing my accounts because of previous accounts that I have had Previously which I never had an account with capital one ever they closed both of my accounts for no Reason capital 360 and small business account
Consumer complaint received 2023-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: E Mortgage Capital, Inc. (AZ)

XXXX XXXX XXXX XXXX E Mortgage Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This person has been sending my personal information to people that i'm associated with and have never provided their information. I'm also not sure how it got my information as I never applied on his company site.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a fraudulent account called " XXXX XXXX  '' for {$11000.00} that I did not authorize. I have sent several notices to the company about said inaccurate information on my consumer report. They have yet to be fixed and/or be removed even after they have done an " Investigation ''. This account is ruining my ability to receive credit and buy a home or house
Consumer complaint received 2017-04-04
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I first became aware of the Portfolio Recovery Associates collections after reviewing my credit report in XX/XX/2017. Prior to XXXX I had no communication with PRA and was not aware of the collection. Upon requesting verification of the debt, I was told that they had sent communication to an obsolete address. I have lived at my current address for 7 years and can provide proof of residency. I was told by PRA that the original creditor was XXXX, although XXXX is aware of my current address. I am confused as to why they would attempt to send communication to an old address when XXXX was aware of my current address. I do not think it is right to enter collections on my report without providing me with an opportunity to validate the debt and ensure accuracy. I was not allowed to properly exercise my debt validation rights under the FDCPA. After researching this company it has come to my attention that although I was never sent any information regarding this debt the company called me repeatedly but never left a voicemail indicating who they were. I have had absolutely no communication with Portfolio Recovery Associates until I called to inquire as to why they were listed on my report. The customer service rep that I spoke to was very rude and accused me of lying about the accounts. I asked to no longer be contacted via phone and that all correspondence be sent through U.S. Postal service. In my initial request for validation in XXXX, I received what I believe to be inadequate validation. In their validation they merely included a blank credit card agreement ( that was not signed by me ) and a copy of 3 months of statements, none of which reflected any activity. I am not requesting a verification of your records or a verification of the credit card company 's current policy. I am asking for proof that I incurred this debt, how much was incurred and that you have the right to collect it. Proof of my liability is my legal right under the FDCPA.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-11-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC (FL)

Reached out to creditor requesting information regarding this collection. I was not provided any bill, contract, or document indicating that this debt is own by me. I have been trying to have this matter resolved and need assistance. This has affected my personal life and credit.
Consumer complaint received 2017-04-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: GRANITE STATE MANAGEMENT & RESOURCES (NH)

Miscounciled and misguided multiple times about my options when communicating my current financial hardship. I was Offered options that were not available to me even after I expressed doubt about those options given and was led to believe my loans were at a status or moving towards a status that would not negatively affect me. In my financial hardship I have contacted them multiple times to work soemthing out until I was able to repay accordingly. Now I am at a point where I do not trust anyone I talk to with this lender because it seems to be getting me nowhere but further and further down. I feel like I have done everything I can in communicating with them and my patience is being tested. My current financial situation is XXXX enough and I have been working towards finding work that can support the cost of living of a single woman on her own. At this point I feel it 's dead end communication in contacted this private loan lender and need help in moving forward with options that are pro active towards bringing me relief during this difficult time.