davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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  ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify XXXX % accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

Convergent Outsourcing INC is reporting a debt for {$1500.00}. 
I have no knowledge of this account and never received a phone nor proof of this debt and every thirty days this company is reporting to my account. Ive sent a letter to have alleged debt validated and received no response. Its been over 3 months.
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I previously had a checking account I've been using for years. Then all of a sudden I realize that {$750.00} was unauthorized withdrawn with a withdrawal slip with a forged signature and my social security number in XXXX TX, Meanwhile I'm in New York. This happened XX/XX/20, I called and filed a fraud report then I was refunded the money back in 5 business days. I eventually closed the account, That was the first time. Now I opened an account last week and the same exact fraud happens for the same amount ( {$750.00} ) yesterday XX/XX/20. I have no protection from the bank. same forged signature and social security number written on the slip.
Consumer complaint received 2020-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

RE ; Merrill XXXX No. XXXX Merrill Lynch Has been blocking online accounts when the stocks tank and leave no way for client to protect there money. They make sure that every peony is lost while market goes down. When market falls and money is beyond margin, no new positions can be opened. However Merrill has a trick to make your remaining money disappear. I was bullied and blackmailed by XXXX XXXX by telling me that I am required to put {$100000.00} while I just paid {$120000.00}. When I showed him Merrill web page there was surplus of money while he was making his own numbers. He said the He does not trust web and don't know why it is like this. When company employees do not trust Merrill web site than who should. There could be a scam. It needs a federal Investigation, you will discover a lot and save USA citizens. I still want the financial reparation of XXXX XXXX  for loss of money, loss of time nd XXXX  I developed. Documents attached.
Consumer complaint received 2020-03-31
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. (NV)

My identity has been compromised and reported as such. And now I'm notifying the 3 major credit reporting agencies to either provide me with the Method of Verification in it's physical documentation as these accounts are being investigated, or block and remove the following accounts immediately. 

1. XXXX XXXX XXXX {$300.00} 2. XXXX XXXX {$380.00} 3. XXXX XXXX {$300.00} 4. XXXX XXXX {$700.00} 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX  8. XXXX  XXXX  9. XXXX  XXXX
Consumer complaint received 2020-03-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

PHH Mortgage Corporation violates Dodd-Frank Act an other statutes. PHH Mortgage Corporation continues to practice unsafe and unsound practices relating to the foreclosure and sale of my residential home. MERS was the original servicer on my home. Then during the foreclosure process, XXXX   XXXX  sold my mortgage to PHH Mortgage Corporation. This bait and switch practice has left me confused as to who has foreclosed on my home. The bait and switch has also applied to the legal counsel. The first attorneys were XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now XXXX, XXXX XXXX XXXX, XXXX has sent a Notice To Quit Premises demanding that we vacate our home in 10 days. There is no note and MERS has mishandled the mortgage foreclosure process. The services have foreclosed on the home without a note and has no " standing '' to foreclose on my home. MERS is continuing to violate the Dodd-Frank Act. Please fight for us as I do not know what servicer or attorney to fight. My home has already been illegally stolen from me and now I am forced into XXXX. I am XXXX and I deserve justice and due process of the law.
Consumer complaint received 2020-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

Account Number : XXXX Original Creditor : XXXX XXXX XXXX ( USA ) XXXX. 
Balance : XXXX This will be my second complaint I am submitting against PORTFOLIO RECOVERY ASSOCIATES before I seek council for Fraud and Identity Theft. I have tried to resolve this matter with this company to many times and the results they have provided are useless. I have no Knowledge of this account what so ever. This company has my name and social security number on there private accounts for a debt that doesn't belong to me. I have asked for a simple contract and a simple promissory note that has to be attached to there terms and conditions and they have failed to produce either one. This means they are not the HOLDER IN DUE COURSE of this alleged debt according to Subsection 3-302 under the UNIFORM COMMERCIAL CODE. Since PORTFOLIO RECOVERY ASSOCIATES won't remove this alleged debt from my credit report and claim I owe them, then I am now seeking ( Recoupment ) under U.C.C. subsection 3-305 Defenses And Claims In Recoupment. Fraud is the factor here and this company is in VIOLATION and all its entities who conspire to help PORTFOLIO RECOVERY ASSOCIATES. Please submit the evidence to me that I have provided for you in the resolution section of this complaint.
Consumer complaint received 2022-12-31
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-03-31
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. (NV)

My identity has been compromised and reported as such. And now I'm notifying the 3 major credit reporting agencies to either provide me with the Method of Verification in it's physical documentation as these accounts are being investigated, or block and remove the following accounts immediately. 

1. XXXX XXXX XXXX {$300.00} 2. XXXX XXXX {$380.00} 3. XXXX XXXX {$300.00} 4. XXXX XXXX {$700.00} 5. XXXX XXXX 6. XXXX  XXXX XXXX 7. XXXX XXXX 8. XXXX  XXXX  9. XXXX  XXXX
Consumer complaint received 2020-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One has stated that I owe {$4000.00}. This amount is inaccurate. I filed a claim with the FTC stating that Im a victim of identity theft. They have not attempted to help me resolve this issue.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Collectors Corp. (KY)

I had medical debt that was sent to collection agency from the hospital. I am a XXXX XXXX  XXXX veteran and these type of emergency bills are covered. The hospital failed to Bill the Department of Veterans affairs. So it went to a collection agency, I called the collection agency and tried to get the records, so I could get them submitted to the VA to get them paid as I had 2 years to do so. They told me to call the hospital which I did, they submitted everything in there system they could find to the VA. They could not find the debts in question. I called the collection agency and again asked for information and billing for the debts. I never got anything from them and was told to recall the hospital. I am unsure who even owns the debt and at this point I cant even verify the debt. I have did my best to resolve this matter and need help.
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is an on-going problem ONLY with Bank of America Business Checking account. I have similar accounts with XXXX XXXX and XXXX and never had this problem. 

The scenario that I would describe occurs every time I use my business debit card to purchase fuel from any gas station. Every time the purchase is made that day, I would check my account online and would see that gas purchase marked PROCESSING and the amount debited from the balance that evening. In a day or two, that line item transaction DISAPPEARS and RE-POST three days after the original purchase date. Each morning, I depend on BOA to send me a phone notification of my current balance so I can make the decision how much I can use the debit card each day. Since there is a FLAW in that BOA removes the line item gas purchase displayed on the first day purchase, each morning the phone notification I received is INACCURATE and USELESS for me to keep track. Because of inaccurate balance notification on my phone, several times the account would charge an OVERDRAFT FEE because the gas purchase that originally was " PROCESSING '' three days ago would RE-APPEAR to POST on the third day after I made other purchases that would create a shortfall of funds. 

The main problem here is that gas purchase originally purchase today and would show PROCESSING today would DISAPPEAR in two days from the line item online transactions and REAPPEAR three days later to POST the charge, hence the balance notification becomes USELESS and INACCURATE to depend on. Again, this is an on-going problem and I can recreate the problem with an investigation staff or would ask other consumers if they have similar problems.
Consumer complaint received 2020-03-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION (GA)

NFCU continues to redirect accounts that they deem to be " delinquent '' to a different page or access site which makes navigating to your normal account page more difficult. These accounts which are past due are not even 30 days late and includes an actual account meant for overdraft and for which they are being compensated for each time in overdraft fee 's. I will attch screen shots of the " normal '' page and the one with account restrictions. The settlement in XXXX was supposed to prevent them from doing this and in all the years I have been banking have never been subject to this humiliating and unnecessary tactic. Additionally, NFCU sends by certified mail, letters addressing a delinquency on your mortgage a week before it is even 30 days late. That notice threatens foreclosure and some options you may take advantage of. Being XXXX and low income does not mean not knowing when your mortgage is paid late but my mortgage is always paid before it is 30 days late and the amount of mail NFCU sends is wasteful and unnecessary. They have harassed me every single month unless it is paid on the XXXX and I am already suffering from XXXX  XXXX   without them making it worse. Additionally, a prior complaint about their reporting practices was successful in NFCU stating that the late payment would be deleted from the credit bureaus. I made the complaint in XXXX and as of today, XX/XX/XXXX several credit bureaus have received NOTHING from NFCU to that effect. They have failed to notify the bureaus of their promise to correct that and delete it. NFCU is causing me irreparable harm to my scores and has done so for a long time and now during this crisis I need to be able to access credit and unable to do so because of their reporting alate payment on me.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I mailed a validation request to PRA on XX/XX/21. It was received by PRA on XX/XX/21, according to mailing records. In that validation request, per Federal Law, I requested : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, and the original creditor if not the same ; ( 3 ) provide verification or copy of any judgment ( if applicable ) ; ( 4 ) proof that you are licensed to collect debts in North Carolina, and, provide the license numbers and Registered Agent ; ( 5 ) an explanation and showing of how you calculated what you say is owed ; ( 6 ) provide me with copies ( complete copies ) of any papers that show I agreed to pay what you say I owe, especially any original contracts ; ( 7 ) provide that the Statute of Limitations has not expired on this account. Today, XX/XX/21, I receive a one-page " summary '' that does not provide close to enough information to even constitute a validation of any " accounts '' in question.
Consumer complaint received 2020-03-31
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

An old XXXX XXXX account 1 ) appears on my credit report despite bein well past the 7 year reporting window since it was charged off, 2 ) has been updated to report a balance due despite having been charged off AND being many years beyond the 4 year statute of limitations since the charge off, and 3 ) has been repeatedly unlawfully re-aged. My most recent dispute was concluded after the investigation with Experian re-aging the account yet again. Indeed, I received an alert from Experian reporting that I have a recent late payment and balance due of {$930.00}. More details : I disputed these erroneous entries but Experian maintained them so I again disputed, having to send everything by postal mail because Experian was unwilling to allow me to dispute online. Nevertheless, the latest dispute investigation concluded with Experian adding yet another re-aging, the very thing I had complained about. I have attached the actual Experian documentation. A cursory review of the account history evidences that the account has been re-aged, including by omitting data and then reporting charge off to display again. For example, examine XXXX and XXXX. Moreover, as mentioned at the outset, this account is beyond the 7 year reporting period because
Consumer complaint received 2020-03-20
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. (GA)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX   XXXX, GA XXXX SSN : xxx-xx- XXXX | DOB : XX/XX/XXXX Equifax Information Services LLC . 
XXXX XXXX XXXX. 
XXXX, GA XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX 2 XXXX Unverified Account XXXX XXXX  XXXX XXXX Account was never late XXXX/XXXX  XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Consumer complaint received 2020-03-20
Product: Credit card or prepaid 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: EAST WEST BANK (CA)

On XX/XX/XXXX, I tried to purchase an used cell phone with {$330.00} from a seller through a online shopping site called XXXX. However, On XX/XX/XXXX, I failed to log in to my account, and I received an Email from XXXX   stated that due to some reasons, they decided to close my account. On the same day, I emailed to XXXX to state that there was still an on-going transaction in my account, and a pending transaction appeared in my bank account. Therefore, I would want them to cancel the on-going trading since they closed my account. However, the site did not respond to my request. 

Meanwhile, I went to a branch of my bank, East West Bank, and I stated my concern that I might be scammed. I would want them to help me preventing any loss or stopping the transaction. Yet, the teller said they were unable to do any action at this moment since the transaction was not completed, and the money is still in pending. 

On XX/XX/XXXX the transaction changed the status from pending to completed. 

on XX/XX/XXXX, I received an box that I believe it is empty from the seller. I immediately called the customer service of my bank and asked them to help me filing a dispute/fraud. I explained the whole thing to a representative, and she said she has made a dispute case for me. 

On XXXX, I went to a branch of my bank and asked the process of that dispute. A teller couldn't find the case I made on XX/XX/XXXX, so she helped me to file again. 

on XX/XX/XXXX, I made a call to the branch I went on XX/XX/XXXX to ask for any update of my case. A teller told me the dispute investigation team refuse to help me due to it is a merchant dispute, I should contact the merchant to resolve the issue directly. However, I have stated an issue that Neither I have contact info of the seller, nor the XXXX site didn't answer my Email regarding the transaction every time when I was trying to describe my situation to the bank 's representative.
Consumer complaint received 2022-12-31
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. (PA)

This is my sixth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (NY)

I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged deb which is a violation of the FDCPA. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. 
i am the original creditor so only i can validate this debt pursuant to 15USC 1692g and i do not validate this alleged debt. Sending things like contracts and bill statements is not a validation of debt under the FCRA AND FDCPA. As of this moment i am not seeking monetary relief i just need the alleged debt removed from my consumer reports but if its not i will be suing and seeking monetary relief of each individual violation that you have violated and also the emotional distress you have caused me hopefully it wont have to come to that, The ball is in your court you determine what happens next i know the law is on my side
Consumer complaint received 2020-03-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

XXXX  XXXX XXXX issued my estranged husband a credit card. The credit card for some reason is also in my name ( I never applied for a credit card with them ). My estranged husband did not make the last months payments and it went on my credit report. This is not my debt!!! I did not authorize this card and I never used it! I dont even have a XXXX  XXXX XXXX credit card in my possession. I want it off my credit. Im being held responsible for his debt!!!!!