davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (WA)

The company is Harris & Harris and they identify themselves as a debt collection agency. The phone number they leave is XXXX. 

This company has been calling me a few times a week and continually over several years. I havent, and have never had, unpaid debt. No indication is given as to the source of the debt they are per ported to be calling about. They have never contacted me by mail which leads me to think they are robocalling. I contacted them once but this never stopped. If I had unpaid debt lingering out there, there would have been legal action taken years ago. I think this is a fraudulent company trying to intimidate and take advantage of people.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I filed a dispute with the credit bureau for a collections account with XXXX XXXX XXXX. I provided proof to them that I filed a complaint against XXXX XXXX XXXX with the CFPB and they agreed to stop collection on the debt and remove if from my report. After sending this information they updated the account as a paid collection instead of removing it which is inaccurate. This account should be completely removed.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (OR)

Dovenmuehle Mortgage was the servicer of my mortgage until some time in XXXX. They sold my mortgage without notice to me. I went to modify my mortgage payment amount and realized that I could not. I emailed them in XXXX to ask about why I was receiving paper statements and that I needed to adjust my payment amount due to updated escrow ( I pay extra ). They took over a week to respond to my email, and that after I had already called them. I spoke with a lady that tried to walk me through the process and when it didn't work, she had to put me on hold for 1/2 hr to find out that my loan had been sold. I received no information from Dovenmuehle until after my next payment was already due. Since I hadn't received any info from the new place either ; as they would not receive my info until after the payment due date, I was unable to handle my mortgage payment until 1st hearing from the new company. The last payment date to Dovenmuehle was XX/XX/2021. No notices are available online about this sale either. When they finally responded via email, again, there was no info about the fact that my loan had been sold and just a walk through of the process online ; which was disabled because they were no longer servicing my loan. When speaking to the lady on the phone, she told my that my bank account info would transfer over and the payment would process before the due date ; which was not true. None of it transferred over. Good thing I was on top of this process. Had I hoped for it all to efficient and correct, I could've been late on my payment.
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (FL)

XXXX accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  account # XXXX has violated my rights 15 usc 1681 section 602a states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer. Reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MA)

Why is XXXX the only one reporting it? Why was it deleted and re-inserted without my knowledge? Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (NV)

XXXX XXXX # XXXX XXXX XXXX # XXXX Has violated my rights 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 16811s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

unverified items listed below remain on my credit report in violation of Federal Law. XXXX is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

XXXX XXXX XXXX
Consumer complaint received 2022-11-01
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. (NV)

XXXX XXXX # XXXX XXXX XXXX # XXXX Has violated my rights 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 16811s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-10
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nelson Cruz & Associates LLC (IA)

I have received 3 email communications from Nelson, Cruz & Associates. I have consistently informed them that I am retired and my income is from Social Security and, therefore, am judgment proof. Supposedly, the original creditor is XXXX XXXX XXXX, an outfit I have never heard of. There has been no attempt by Nelson, Cruz to provide with original debt validation documents. 

I believe this matter is an attempt to pry out my personal information. For example, the address used on their document to me ( a demand letter ) is made out to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IA XXXX. First, when I intend to be bound to a contract I sign as XXXX XXXX XXXX, not simply my first and last name. As to the address, it is incorrect. I have not lived at XXXX XXXX for almost 3 years. 

After I put Nelson, Cruz on notice that I am retired and Social Security is my income, that should have ended this matter. It continues. Approximately, 14 days apart for each of the three communications I have received through email with a PDF document of which I provide all three PDF 's.
Consumer complaint received 2021-05-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (FL)

Hi Sir/Madam, This is related to Target Credit Card XXXX. There was a statement that was generated on XXXX XX/XX/2021 for {$110.00}. I made the payment on XXXX XX/XX/2021. This company initiated the Auto Payment for the same amount on the XXXX of XX/XX/2021. They mentioned that the payment got returned for the wrong account number and not sharing what the account number was. If I have already made a statement balance paid how they can charge again for the same amount. They charged a fee of {$29.00} and said there is no provision to waive it off. I spoke to Supervisor also. They are not helpful. If their systems are not intelligent enough to see if a customer already made the payment of the statement and initiate the auto payment again, then it is not the customer 's fault. On top of that, they are not sharing the details. I have XXXX XXXX XXXX, while talking to them and explaining to them it is getting increased, and I don't want to talk to them.
Consumer complaint received 2021-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

EQUIFAX CREDIT BUREAU COMPLAINT : There is a Unknown yet validated account reporting with a partial reference/account number # XXXX which I have been advised by legal counsel is out of compliance with the FCRA XXXX I XX/XX/2020 I contacted the Fair Trade Commission in regarding a suspicious and unknown account found to be reporting on my credit by Equifax. After numerous written requests to remove the inaccurate information I mailed the furnisher and included written Notice to Furnisher of Information detailing their obligation and duty to correct and update inaccurate information as per the guidelines advised by the FCRA. The federal Fair Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). I received no reply and subsequently with advise by the FTC to contact the bureau still reporting the inaccurate fraudulent account therefore, I wrote letters to Equifax detailing the ID theft on XX/XX/2020 and again XX/XX/2020 I advised Equifax of the Identity theft and the fraudulent account and to date I have yet to receive a response and the fraudulently opened accounts is still being reported to Equifax by the unknown furnisher.
Consumer complaint received 2021-05-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (OH)

I was a victim of debit/credit card fraud on XX/XX/XXXX and XXXX, 2020. In those 2 days someone ran up {$1800.00} on my account with US Bank reliacard. I contacted them and reported the unauthorized transactions on the XXXX of XXXX the day I realized it was going on. They were pos sales and they list as the followed businesses. XXXX, XXXX {$62.00}, {$470.00}, XXXX XXXX XXXX : {$200.00}, {$35.00}. XXXX  XXXX : {$13.00}. XXXX XXXX : {$210.00}. XXXX XXXXXXXX : {$100.00}. XXXX XXXX XXXX  : {$7.00}. XXXX : {$250.00} IXXXX XXXX  : {$43.00}. XXXXXXXX XXXX  : {$12.00}. XXXX : {$18.00}. XXXX : {$250.00}. XXXX : {$230.00}. My US bank reliacard unauthorized claims was denied and I was out {$1800.00} roughly and then told I'm a liar basically that I didn't get stolen from and it's very offensive honestly. Too top it off took them 10 Mos for me to get a response! I called repeatedly about my claim but was told " well move it too fast track for you sir '' Mos later still no answer.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

I have a student loan payment each month. During a time of financial difficulty, I failed to make the monthly payment for 90 days. This is not in dispute. The issue is this single monthly payment accounts for XXXX separate student loan accounts on the fedloan site. So this XXXX slip up hit my account for XXXX late payments ( 60 days late ) and then XXXX delinquent payments ( 90 days late ) which took my score from XXXX to XXXX. How am I supposed to recover from that and it 's not like you can make a partial payment on the fedloan site. XXXX hits to my credit score from XXXX missed payment over a 90 day period ( XXXX at 60 days past due and another at 90 days past due ). When contacted, fedloan stated they can not make changes to this reporting. I was late, so sorry, but maybe I should pay my bills.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Account Name : XXXXXXXX XXXX XXXX  Account Name : XXXX Account Name XXXX XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1691s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (TX)

I have disputed this account on several different occasions in XX/XX/2021 and XX/XX/2021 with Midland Funding LLC. They did not contact me before placing the account on my credit report. They failed to respond to my dispute, and after carefully examining collection practices in the State of Texas, I found Midland Funding LLC does not have a bond or license to engage in debt collections in my state ( Texas ). 

After sending a certified letter with receipt return, Midland did not respond to the dispute. The letter contained the dispute and included a screenshot of them not being authorized to be a third party collector in Texas. 

I also, sent the exact same letter to each credit reporting agency XXXX XXXX, XXXX, and XXXX  XXXX requesting them to delete the account with attached screenshot from the Secretary of State in Texas. Both XXXX  and XXXX failed to respond. XXXX responded saying they received verification from Midland Funding that this account is correct. That was not my dispute. I requested to have the account deleted as Midland Funding LLC is in violation of Texas debt collection statutes. I'm wondering how is it that Midland can provide verification to the credit reporting agencies and willfully ignore my request to delete the account. 

I have given them several chances to correct their error and they have neglected to do so. Both Midland Funding LLC and the credit reporting agencies continue to violate my consumer rights, so I'm filling a complaint in an effort to get my request resolved.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/2019 my wallet was stolen with my bank card and all my information in it pin codes and all. There was some fraudulent activity done on my account and when I found out about it my account was already closed. I asked them to do a fraud report but they told me they did but did not. Now they are reporting me as doing fraud to early warning service and I cant get any type of account business or personal. They didnt even try to do a real investigation. I was told there were some cashier checks that were deposited into my account and I had no knowledge of anything of that nature.
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, Texas XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX  XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. 

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NY)

BBVA has assumed responsibility for accounts previously held by Simple ( Compass Bank XXXX. The accounts were supposed to be automatically transitioned and accessible through BBVA 's system on XX/XX/XXXX. A majority of customers attempting to access their accounts after the transition experienced technical difficulties when attempting to activate their new accounts per BBVA 's instruction. Since the issues started nearly three days ago, many people are still without access and BBVA has done very little to provide support or information. I have called the bank over thirty times in the past two days, spending over three total hours on hold. I have yet to reach a CSR. Many of my hold calls were abruptly ended when BBVA hung up the line. I have not received one official communication via phone or email from BBVA during this completely failed transition period. They are attempting to minimize the impact this is having but I have a great deal of funds currently in limbo because they are in a protected savings account not accessible via the ATM or paper checks. BBVA needs to address this issue immediately ; they have yet to show any interest in simply communicating with customers about the situation let alone taking action to resolve it.