davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

HELLO ; Im confused and stressed 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-06-17
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. (MN)

Transunion, XXXX  and XXXX have received the proper court ordered documentation that was signed by the Judge of the Federal Bankruptcy Court, Distric of Minnesota, saying that the accounts in question connected to XXXX have been discharged and are no longer available to claim any debt. XXXX was given 90 days to appear in court or write a letter proving their " supposed '' lender that they service was original owner of the dept in question. XXXX never showed up within the 90 day timeline. XXXX XXXX XXXX XXXX gave an additional 30 days for them to come forward and they still never responded. Due to these actions, and the mass amount of evidence brought forth, the judge dismissed any further collection of XXXX. Transunion, XXXX and XXXX have received these courts orders proving this information along with disputes to lawfully report correct and accurate information. According to the Fair Credit Reporting Act these 3 companies are obligated to correctly report information. At this point they keep reporting false and innacurate information even though they have received the court orders verifying the correct information, that proves these accounts are no longer open. XXXX keeps closing and reopening the same accounts that are in the court ordered documentation. The constant changes are damaging my credit score.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

Hi COMENITY BANK/XXXX ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-03-26
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: EQUIFAX, INC. (OH)

I have disputed this information, This account clearly isn't mine. As requested, the company verified that the account was opened in a different name than mine. XXXX has refused to remove this account from my credit report and Equifax as well. 

The company has stated the account was opened XX/XX/2017 which means the inquiry would have continued to report on my credit report for two years. I have included the list of inquiries and this account is not listed amongst the inquiries. 

If Equifax and XXXX does not remove this unknown account from my credit report, along with the many other accounts that should not be on my credit report, I will forward my entire credit profile to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have been disputing fraudulent credit reporting for OVER a year now with copies of every single violation. And MANY that are still wrongly reporting.
Consumer complaint received 2022-12-31
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. (OK)

I've recently had my identity fully comprised. It started on XXXX XXXX  and restarted on XXXX XXXX. They were able to access my online banking information and move money from my account into a newly setup account. I also have multiple credit inquiries on my credit report. 
XX/XX/22 XXXX  XXXX XXXX  XX/XX/22 XXXX XXXX XX/XX/22 XXXX  XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX  XXXX Account Review Inquiry ) Please help me! 

XXXX XXXX
Consumer complaint received 2020-03-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

Transworld system wants tonvolletc a debt owed to a medical.company in the amount of XXXX they discussed my medical procedure which I'm not sure how they knew about it because I dont owe transworld. I never had a medical procedure with them
Consumer complaint received 2020-03-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

I'm behind on my mortgage payments. I tried to make one payment. M & T Bank is refusing to take my payment. I tried to do it online. I could not do it because they blocked me from doing it. I tried to do it using the pay by phone feature. I could not do it because M & T bank blocked me too. I called M & T Bank and the representative refused to take my payment. Please help! M & T Bank is purposely refusing to take my payment so that they can take my house. PLEASE HELP!
Consumer complaint received 2021-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

To all parties involved I have sent requests to these companies listed and have not received any responses. This is very unprofessional and I feel as if my situation has not been addressed properly. I notified these companies that the accounts listed are not mine ; I have been ignored and at 63 days after the fact they must be removed. Again these companies have failed to supply proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719. I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. Again I have reached out and gave a sufficient amount of time for them to rectify this situation and I have not gotten any responses yet. Unfortunately my information was also compromised by the Equifax Data Breach. Thank you for your assistance in this matter.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (TN)

I had my discover credit card for a longtime now. Paid on time always never late. I havent used it in a few years and out of the lie I got a notice saying it was being closed. I called discover and they said I needed to reapply which makes no sense if they wanted me to use the could has let me know and given me a chance to do so before just closing the account :
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (RI)

XX/XX/2020 I have applied for a mortgage refinancing with XXXX XXXX, On XX/XX/XXXX I received a credit score from XXXX XXXX  from XXXX  stating that my credit score is XXXX however my XXXX  account states that my credit score is XXXX. My credit score is damaged because of the following error by Nationstar : Nationstar reported two missed mortgage payments but these are in error which Nationstar refuses to acknowledge. My escrow at Nationstar was calculated incorrectly because of errors in how they escrowed my account. I had a homeowner 's policy at XXXX. XXXX issued the wrong policy and Nationstar paid for the policy out of escrow. I had asked XXXX to change my homeowner 's policy to a less costly one however they failed to do so. By the time XXXX issued the new policy Nationstar paid for the new policy a second time. Therefore, my escrowed showed two payments and Nationstar refused to fix it and said that I had to wait until their adjustment period in XX/XX/2020. 

I was unaware that Nationstar and XXXX had erroneously issued and paid two policies. This happened over a several months. I learned by accident when I paid my mortgage on time. I got a notice that the mortgage amount had changed and I needed to pay more which I did immediately after learning of the error. When I inquired about the change in escrow I learned that Nationstar had paid for two homeowner 's policies in error. I also did not know that even though I paid my mortgage on time that Nationstar issued a credit event for missed payments? I did not miss a payment I did not know that the error they made in my escrow account had resulted in credit reporting errors until after my credit was damaged. I disputed the errors but Nationstar refused to take responsibility for the error. XXXX  was also not helpful in this matter resolving my disputed item.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (NC)

I ordered a XXXX  XXXX XXXX and accessories in XX/XX/2020 ( 1 1/2 years ago ) - with a 2 week promise to be shipped. I called back every week to get a status update and this was continuously on backorder. In XXXX, I cancelled this order AND the credit card. I agreed to still get the accessories ( a heart rate monitor ). I never received this {$65.00} heart rate monitor. I have filed several disputes with the company stating I did 2 things - 1 ) The credit card was closed with a {$0.00} balance. ( please ask them for the recording of that phone call as the person on the phone confirmed ). and 2 ) the accessories never showed up at my house - so why would I pay for something I never received.

I have a receipt for a heart rate monitor purchased from XXXX XXXX because this item was never received. ( Attached in this complaint below ). 

This company is now submitting late payment notices to credit agencies for credit card charges posting after closing the account with a {$0.00}. ( over a year later ) I have also mailed in an additional hard copy dispute form to XXXX XXXX ( TD XXXX XXXX ).
Consumer complaint received 2020-03-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (CA)

On XX/XX/2020, I contacted Westlake Financial by calling XXXX to ask for 2 months deferment of my payments because I have been impacted by the Covid19 virus. I even spoke to a manager explaining to her in detail that I am economically impacted by the Covid19 virus. The manager would not assist me even after I informed her that I have been impacted by the Covid19. She stated that there is nothing they can do for me. This immediately caused anxiety and caused my blood pressure to rise. How can they not assist their customers with help during this emergency situation? This is unethical and inhumane. I am not running away from my responsibility I am financially hurting due to the Covid19 virus and asking for assistance so that I can keep my vehicle.
Consumer complaint received 2020-03-18
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. (SC)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Open balance XXXX XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  I Account Number XXXX Account Type Utility Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$50.00} written off.
Consumer complaint received 2020-03-18
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: Southwest Credit Systems, L.P. (SC)

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an  updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX SOUTHWEST CREDIT SYSTEMS {$620.00} Open balance XXXX XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  I Account Number XXXX Account Type Utility Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$50.00} written off.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HAWAIIAN, INC. (HI)

XX/XX/2020 - Paid off loan that matured after making payment arrangements to pay {$200.00} every two weeks with the Loan Recovery Department at First Hawaii Bank. I called to make arrangements with them when my loan hit the maturity date and my payments never faltered. 

Today ( XX/XX/2020 ), I was turned down from an auto loan because of this charge off. I called XXXX XXXX, Recovery Agent for First Hawaiian Bank, to ask why they have it reported as a charge off when it was paid in full. She stated that " First Hawaiian Bank reported the loan as a charge off because it was transferred from one department within the same institution to another department. I asked them if they could remove the charge off and she said that by law once the charge off is on, they are not allowed to remove it. I stated that the information is incorrectly being reported because I paid the entire amount of the loan and did not settle any of the amount. I even paid interest on it in which the bank charged me in order to make they arrangements. The information that they reported is incorrect. They agreed to take my payment arrangements and did not explain that they loan would be reported as a charge off even though I made the necessary payment arrangements.
Consumer complaint received 2022-03-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: ASSOCIATED BANC-CORP (IL)

I requested to have my checking account closed with Associated Bank, which refuses to close my checking account. I refuse to pay Associated Bank the absorbent {$7.00} fine continually to my account balance each day ; my balance remains negative due to financial hardship and Associated Bank ; unread Discretionary Overdraft Services. I understand I owe an overdraft fee of {$36.00} ; per overdraft or NSF ( unavailable funds ). Whether an overdraft will be paid is discretionary, the bank reserves the right not to bear. I was able to establish this account while in financial hardship in XX/XX/2021. I was not expecting an account I had just opened to be protected by over-draft. To be honest, a bank will typically not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. I made an initial one-time deposit into the account. The obligation I made to Associated Bank ; was to pay off my over-drafted paid items and the two charges of {$36.00} an overdraft fee. The {$7.00} continually being excessed daily onto a balance I agreed to pay. Why keep someone's account open in financial Jeopardy.
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (CA)

XXXX XXXX RE : Afni, Inc ( Debt Collector ) Account # XXXX I received letter from AFNI requesting collection of debt that is not mine. Further, they placed the collection on my credit report with XXXX. I wrote a validation letter, and they did not respond with proof of the debt.
Consumer complaint received 2019-12-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (AL)

On XX/XX/2019 I was contact by National Credit Adjusters about a debt that was taking out with Rise which is a personal loan, this debt was Discharged thorough Bankruptcy in XX/XX/XXXX or XX/XX/2019 which is public record and also reported under the original trade-line. After informing the collection the rep still proceed the Mini Miranda /Monitor disclosure and proceeded to give me account information. Rep never asked for attorney information case number or even discharged information to ensure for me not to receive collections calls on a debt I no longer owe. After being informed of bankruptcy the rep should cease attempting to collect and retain all viable information to make sure to follow all State law and federal collection laws
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (VA)

XXXX, XXXX was placed on my XXXX  credit report for {$1200.00}, which the debt did not belong to me. It was originally removed and placed back on my credit. Repetitive phone calls were made to me and I have voiced the Debt does not belong to me. Request to be removed and deleted off my credit. 

Thank you
Consumer complaint received 2023-03-08
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: JPMORGAN CHASE & CO. (CO)

On XX/XX/2023, I received an XXXX alert that there was a hard hit on my credit report from JPMCB that I did not authorize. I have not made ANY credit inquiries recently. I called XXXX and they put a fraud alert on my account. I called JPMCB at XXXX XXXX XXXX, and once I explained that I had not started a credit card application they transferred me to Chase XXXX where they put a security freeze on my XXXX account.