davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (WA)

I was contacted via mail by Receivables Performance in XXXX in writing, I could not get onto their website. I replied by mail asking for Validation of Debt in XXXX. I received a bill on XX/XX/2020 from Receivables Management that indicated XXXX was the original debtor. They statement I received indicated I had 7 calendar days to make a payment of my account would be sent to collections. No dispute information was provided. I mailed my check on XX/XX/2020 to XXXX as it indicated on the notice. I also sent a letter to Receivables Performance indicating I mailed a check to XXXX. I was not given 30 days from the validation to make a payment, they sent my account to collections in 7 days. I have had to submit disputes and they have instantly removed the ding on my collections report. I believe by law RP should have allowed 30 days after validation. They are in XXXX Washington, there's no way my letters took that long so they knew I paid XXXX. I believe they retaliated because I asked for proof. their # is XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

US Dept of Ed/XXXX/XXXX  - XXXX is reporting erroneously on my credit file. I filed for Bankruptcy in XX/XX/2019 and it was dismissed in XX/XX/2019. My account with them was included in that Bankruptcy. I recently checked my credit file and noticed that my account was still currently updating and that is a violation of the Bankruptcy stay. I have been working hard at improving my credit and this item updating is keeping my scores low. I need the US Dept of ED to fix/remove this account on my credit file. It is against the Bankruptcy stay for them to update.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello, I am asking you to check the items appeared in my credit report because those accounts are not mine. I am attaching accounts in this report for you to reinvestigate. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2023-03-20
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. (MI)

THE FOLLOWING INQURIES ARE UNLAWFUL AND FRAUDULENTLY LISTED ON MY CREDIT REPORT. THESE INQURIES SHOULD BE REMOVED IMMEDIATELY. 

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 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 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 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 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 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 XXXX
Consumer complaint received 2021-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (PA)

I had applied for forbearance through my Amerihome morgage. After I was sent a letter saying it was approved. In these days, I got a letter saying it was cancelled because of me when I did not cancel it. It was for 3 months for the amount of about {$4500.00}.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear Credit Bureau : I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : XXXX, XXXX, XX/XX/2021 and XX/XX/2021 I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards XXXX XXXX
Consumer complaint received 2024-02-10
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (LA)

I was supposed to receive funds via direct deposit and for whatever reason I was sent this card. I did not use it regularly. I used the card in my building with my home address and they erroneously placed a fraud alert on my card as they have been known to do regularly, to the extent that litigation has been filed against them and they were fined. They required a physical copy of my ID which I currently do not have as I recently lost it and will not accept my Louisiana WalleXXXX ID which is legally accepted identification. In addition to that, I do not wish for this shady operation to have any more of my information than is absolutely necessary, and this is not necessary. I have requested that they mail my funds to my home, and they have refused to do so. I will not have my money held hostage due to the beaurocratic whims of a nonsense bank. There is no legal requirement binding me to send my ID to them, simply because they lazily employ and arbitrary system. My funds should be mailed to my home, which they have on record as it is where they mailed my card, immediately. I am not jumping through their multiple hoops knowing that despite repeated tries, they will " lose '' my verification, and whatever other inept nonsense they attempt to do, simply because they believe that poor people should just accept whatever treatment they offer. I attempted to resolve this with supervisors, and was ultimately disconnected. 

Thank you for your attention to this matter.
Consumer complaint received 2021-01-06
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. (NY)

On XX/XX/2020, I sent a letter to Transunion about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. Please have the inaccurate/invalid accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Notice for Proof of Claim Account : XXXX # XXXX, XX/XX/XXXX# XXXX, PORTFOLIO RECOVERY # XXXX. To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ONLINE Information Services, Inc. (OH)

Notice for Proof of Claim Account : XXXX # XXXX, ONLINE INFORMATION SERVICES # XXXX, XX/XX/XXXX # XXXX. To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (PA)

In XX/XX/2020, I paid off my one credit card in full, during the pandemic no less. Experian then proceeded to lower my score by 20 points. I have been working hard to repair my credit & was 10 points away from obtaining a " good '' score. Instead I was severely penalized for paying off a debt. I'm sure there's some legal loophole allowing this, but this doesn't seem right. I haven't been late on a single payment in years & this has been a huge setback that will take who knows how long to repair. I couldn't figure out how my score had gone down as there were no new negative items on my report so I had to have Experian explain this to me. They explained that since I paid off a {$100.00} something credit card balance, my score dropped 20 points. These credit reporting agencies should not be allowed to decrease credit scores for payment of debts. I would like this issue addressed. If this is a legal practice, it needs to change as it is not in the best interest of consumers who are trying to do the right thing. So now instead of being able to refinance my car loan, I have to work on building back 30 points instead of just 10.
Consumer complaint received 2021-01-06
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. (NY)

On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. Please have the inaccurate/invalid accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (NY)

In XXXX, XXXX, I received a collection notice for a debt that is not mine from Credit Management , L.P., of XXXX Texas for a Creditor account from XXXX Cable for {$1000.00}. After a quick review of a credit report I found the fraudulent creditor debt was listed so I filed an Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, and latter fraud report to the XXXX, NY Police. I then began contacting Credit Management, and alerting XXXX, XXXX, and XXXX of the fraud. 

On XX/XX/XXXX, I sent a Certified Delivery letter arriving XX/XX/XXXX, to Credit Management, informing them of the identity theft, and as they were the party who furnished the information to the agencies, requested documents pertaining to the fraud including applications, statements, addresses, phone numbers, and investigator 's report concerning the account. And, as they were the source of the incorrect information in my credit file, I additionally requested a letter explaining to me their actions taken to fulfill their responsibility to stop collections, as well as correct their reporting to the credit reporting agencies. To date, XX/XX/XXXX, I have not received a reply from them. 

Having spent considerable effort to file fraud and extended alerts, and security freezes, to safeguard my identity I want their detailed report regarding my requests to ensure they have rectified the issue caused by their collection notice.
Consumer complaint received 2021-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I have applied 2 times with CashNetUsa and been approved for {$1000.00} however when I email or upload my bank documents they refuse to accept them I even traveled over 1 hour to my nearest bank to get the original bank agreement as they requested per their emails. Thereafter they called and said what I sent isn't good enough! I wasted valuable time and gas to do what they asked and bank only permitted me what I provided them per bank policy. Shame on CashNetUsa for their XXXX customer service DO NOT use them!!!
Consumer complaint received 2021-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arcon Credit Solutions LLC (CA)

In XX/XX/XXXX, I received a collection notice from the collection agency XXXX XXXX, stating that I owed the original creditor XXXX XXXX {$1100.00}. The debt was then purchased by XXXX XXXX. 

I had no prior knowledge of this debt and contacted XXXX XXXX for the background. I learned from XXXX XXXX that someone used my identity to open a money account in early XXXX. The person overdrew {$1100.00} from this account and never made a payment. 

In XX/XX/XXXX, I contacted XXXX XXXX and explained to them about the identity theft that the debt is not mine. I also filed a police report and a Identity theft report with the Federal Trade Commission. I also mailed XXXX XXXX a formal letter along with copies of identity theft and police reports ( see attached ). I also submitted copies of the reports to XXXX XXXX. 

In XXXX, I received a fraud packet from Arcon Credit Solutions, a collection agency that is related to XX/XX/XXXX. A fraud packet asked for details about the identify theft. I completed the package and sent it back along with a police report and identify theft. 

However, in XX/XX/XXXX, I still received another collection notice from Arcon Credit Solution stating the debt is now placed with them for collection ( see attached ). I called them and the representative told me that my identify theft report and fraud packet were denied. She was unable to give a valid reason of why it was denied and insisted I owed them the debt. 

I would like to submit this complaint as the debt was not mine. I have filed a police reports, identity theft reports, and signed affidavits that I am a victim of identify theft. Would you please help provide a solution to the situation as the collection agency is still going after me for a debt I do not owe. My concern is without a solution, they will continue to contact me and potentially impact my credit. 

Please let me know if you need further information to move forward with this complaint.
Consumer complaint received 2021-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

I am disputing a demand letter from CBE Group in the amount of {$260.00}. 
This attempt to collect a debt from the creditor XXXX has never belonged to me. 
This debt of {$260.00} dollars is a result of Identity theft. My personal information was stolen and used against my permission. I will not pay this debt because it originated from identity theft.
Consumer complaint received 2021-01-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020 I sent a letter pertaining to incorrect information that I've discovered on my credit report. I've waited patiently for some type of satisfying resolution which I demand those items to be removed from my report. I've exercised the correct steps prior to this complaint and haven't received any indication that these matters will be resolved and my patience has become exhausted which leave me no other choice to file for litigation. Section 611 ( a ) it it states that a failure to investigate incorrect item within 30 days give reason to immediately remove those items and it has been well over the required time. My personal information was impacted by the XXXX  data breach which I've investigated and discovered as well and I'm it has been abused from some unknown stranger. Again, I demand these items to be removed from my credit report or I'll just take further actions. Thanks in advance for looking into these matter.