davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-16
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)

I have successfully disputed and XXXX, XXXX and Experian to remove a collection reported by XXXX XXXX. However, Experian Re-inserted the collection by XXXX XXXX that was removed on XX/XX/2020 without giving me a notice. According to FCRA, If a previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify me no later than five days after the date of reinsertion. The Reinsertion of previously disputed information which is governed by FCRA 611 ( a ) ( 5 ) ( B ) is violated by Experian. The collection amount is {$1700.00} and original creditor reported to all bureaus was deleted after validation was requested by me.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE (NY)

On XX/XX/2021, Charles Schwab Bank closed my checking account with {$200.00} remaining. They provided false information for a month, claiming that a check was mailed to my address on file. On XX/XX/XXXX, they admitted to never returning my funds and claimed that an undisclosed department would provide feedback on why they opted to keep my money in lieu of resolving the theft. I have no outstanding charges, fees or pending transactions that would interfere with the return of my own money from Charles Schwab.
Consumer complaint received 2020-03-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

Loancare who takes my mortgage payments do not have a deferment program only a forebearance program where you can delay payment for up to six months but after the six months is over everything is owed? Well if you could pay wouldn't you be paying how is anyone supposed to come up with six payments by the end of the forebearance, it makes no sense
Consumer complaint received 2020-03-11
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. (TN)

I recently checked my credit report an saw to two collection accounts on my report. I believe that I am a victim of identity thief. I have notified the creditors of this matter but i have not been able to resolve this matter. 

XXXX XXXX XXXX Original creditor : XXXX {$500.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$790.00}
Consumer complaint received 2021-01-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (GA)

Contacted company to advise I do not owe on said debt. Talke with XXXX on XXXX XXXX hrs. EST. regarding his attempt to collect and unvalidated debt for Mercantile, and I am disputing any and all attempts, according to Georgia State Staute Codes according to law. Furthermore ; any and all collection attempts cease and desist immediately!
Consumer complaint received 2023-01-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

To whom this may concern the fraudulent account has been removed from all bureaus except XXXX for XXXX XXXX XXXX. I contacted creditor and this account was opened with Someone with a Similar name to mines individuals name is XXXX XXXX the last name on the fraudulent account is incorrect there is a typo they also have wrong XXXX and address on file. The derogatory mark is for the amount of XXXX
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On the XX/XX/2023 i called bank of America in regards to my card i was told told my card is closed and i called XXXX in order to rectify the problem they told me the card is not closed that i should contact bank of America in order to receive my benefit card kindly help me get in touch with bank of America so that i can be able to receive my card total funds on the card is {$18000.00}
Consumer complaint received 2023-01-17
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. (CT)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TX)

On XX/XX/XXXX, the following company aargon claims that I opened an account with their establishment owing currently the sum of {$110.00}. As of XX/XX/2022, the company continues to claim that I owe as shown on my credit report. The following company XXXX XXXX listed fradulent claims of debts owed on my credit report, which are heinous, inaccurate, and false. This company has not provided any legal or binding contractual information showing that I entered into an agreement to pay the funds they claim I owe. According to the Fair Credit Reporting Act, this creditor is legal bound to provide accurate information. They are violating this legal ramification as I have no knowledge of this account nor have entered into any agreement with this company. I demand this be removed immediately.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEGA CAPITAL FUNDING INC. (CA)

I was in forbearance due to XXXX from XX/XX/XXXX through XX/XX/XXXX. In XXXX of XXXX, I advised my mortgage company that I wanted to be out of forbearance, and asked them to defer the outstanding loan balance to the end of my loan, to which they agreed. They told me they would process my loan and take me out of forbearance, and it could take up to 30 days. Since XX/XX/XXXX, up until today, XX/XX/XXXX, I have made 3 on-time monthly payments and I am still not out of forbearance. I have called my mortgage company at least 10-15 times in the past few months to ask why I have not been taken out of forbearance. Initially, I was told it could take 30-60 days due to a backlog of cases. When I called back after 60 days, I was told my loan would be out of forbearance within 14-28 days, and I was quoted it would be out of forbearance by the end of XX/XX/XXXX. I called back after XXXX ended since my loan has still not been taken out of forbearance. I have called back at least 6 times since then, asking as to why my loan has still not been processed, and I have been hung up on, or told there is no time frame to take my loan out of forbearance. I have asked to speak to a supervisor, and every time, the representative has denied me the opportunity to speak to a supervisor. They say they will have a supervisor call me back, but I have yet to receive a phone call from them. Representatives now tell me that there is no time frame for me to get out of forbearance. I have done my part to get out of forbearance, and they have not delivered as promised to take me out of forbearance. It is costing me the opportunity to refinance my loan.
Consumer complaint received 2021-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KLS Financial Services, Inc (AL)

I paid an outstanding debt XXXX XXXX, XXXX. After several disputes XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX the collection agency KLS refuses to remove the collection. The original debtor even reached out to them on XX/XX/XXXX to inform them that the debt was in fact paid in full. However, instead of this agency deleting the item they instead send me a letter dated XX/XX/XXXX with an invoice from XXXX NOT the receipt of payment that I and the original owner of the debt sent over to them! This unlawful attempt to collect a debt that has been paid is absurd! Even after talking to the staff they have been rude, abrasive, and inaccurate. I want to take legal action against their unethical practices and reporting of inaccurate data.
Consumer complaint received 2021-01-16
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. (NC)

The companies are claiming the disputes are not being disputed by me XXXX XXXX and they 'believe ' the disputes are being submitted by someone else.
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (NC)

I sent a debt validation letter on XX/XX/XXXX to Medical Data Systems XXXX Inc. and instead of the company validating the supposed debt they sent me a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. 

Name of Collection Agency : Medical Data Systems , Inc .

Location of Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Telephone Number of Collection Agency : ( XXXX ) XXXX Dates : * I received a phone call from Medical Data System on XXXX XXXX ; *I sent a debt validation letter to Medical Data Systems on XX/XX/XXXX ; *I received a response which were my medical records on XX/XX/XXXX from Medical Data System. 

The supposed debt owed : {$470.00} Date : XX/XX/XXXX ; {$210.00} Date : XX/XX/XXXX, {$300.00} Date : XX/XX/XXXX.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NC)

Equifax has my card linked to another customers account. My name is XXXX XXXX XXXX but I receive emails related to another customer and I can not cancel the product. 

I have been trying to work the company to resolve this issue since XXXX. One agent told me to tell my bank to stop payment and wait for the problem to fix itself.
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (OH)

For the 2nd time this year MIDWEST RECOVERY SYSTEMS is posting information on credit profiles that they have not validated nor had communications with my person before posting such updates. The company has in prior posted on my account and has faild to validate debt and was forced to remove the record : On XX/XX/XXXXMIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Credit Posting on XXXX   and XXXX  as Collections with out validation Dear, CFPB. I received information from XXXX and XXXX  that a company listed as MIDWEST RECOVERY SYSTEMS has placed negative information on my credit profile and is attempting to collect the listed alleged debt. 

Please advised MIDWEST RECOVERY SYSTEMS, that I dispute the validity of the alleged debt in its entirety. 

Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. 

The original creditor is listed as Original creditor : 12 XXXX XXXX  XXXX for which I have no knowledge of any account. 

I affirm that MIDWEST RECOVERY SYSTEMS is illegally attempting to collect an alleged debt and money that I do not owe. MIDWEST RECOVERY SYSTEMS has not allowed the consumer to validate the debt by providing a debt validate letter by law, and giving the consumer up to 30 days to review the claim and respond. 

As per the law, MIDWEST RECOVERY SYSTEMS shall cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. 

This letter is being provided to the Consumer Financial Protection Bureau ( CFPB ) for full review of this illegal act of posting to my credit profile. 

The CFPB is authorized to investigate this matter and receive related information. If MIDWEST RECOVERY SYSTEMS fails to remove the entries does not comply with this letter, I may turn the matter over to an attorney. Sincerely, XXXX XXXX Credit posting shows as follow 's Midwest Recovery Systems Opened XX/XX/XXXX {$470.00} Ori Original creditor : 12 XXXX XXXX  XXXX XXXX  Balance {$440.00} Highest Balance {$470.00} Opened Unknown Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 12 XXXX XXXX XXXX  XXXX   Creditor Information MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX See History from this Company : See complaint : XXXX-XXXX  SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B.

The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

THIS COMPANY IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. THE ITEMS REPORT INACCURATELY EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

THIS COMPANY IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. THE ITEMS REPORT INACCURATELY EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Consumer complaint received 2020-03-11
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. (CO)

Equifax ; XXXX and XXXX  are reporting incorrectly a current balance due of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original amount reporting is {$570.00}. ( Please see page attached from my previous credit report. ) Clearly there has been a typographical error in reporting. This account could not have gone from reporting an amount of {$570.00} to {$23000.00}. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 2021-03-11
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. (LA)

I file documentation regarding to that unknown and inaccurate account I found on my credit report. It's been more than 30 days now since I've sent it but I haven't received any response yet. I was stress. I am a victim of XXXX Identity Theft. Delete ASAP those accounts or I will file a litigation!.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC. (MI)

I am updating on filed complaint. There is no way I could figure it out how to provide update. 
I received a call back from XXXX XXXX. & as per my phone conversation with her, as she requested, I have immediately faxed her Settlement offer letter at the fax # she provided- XXXX. 
I have offer {$6000.00} of settlement to this loan.
Consumer complaint received 2021-01-16
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. (TX)

Equifax is reporting XXXX  XXXX  XXXX  in my credit report as a charge off account with XXXX XXXX XXXX. And I have asked them to investigate this item and send me proof of this account and they have not sent me proof but told me that account was verified. And have not sent me proof of the account.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I have a USBK COURT XXXX MISSOURI CHAPTER XXXX Bankruptcy on all three of my credit reports. I have challenged it with all three bureaus in last 12 months every time the bureaus say ask for it to be deleted from my credit file because it is not mine. But every time they say it is verified as accurate. I have asked for the method of verification and not got anything about how they verified Bankruptcy I have not filed bankruptcy in any state. I contract Missouri courthouse and got a letter back stating that they don't verify any information with credit bureaus.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have a USBK COURT XXXX MISSOURI CHAPTER XXXX Bankruptcy on all three of my credit reports. I have challenged it with all three bureaus in last 12 months every time the bureaus say ask for it to be deleted from my credit file because it is not mine. But every time they say it is verified as accurate. I have asked for the method of verification and not got anything about how they verified Bankruptcy I have not filed bankruptcy in any state. I contract Missouri courthouse and got a letter back stating that they don't verify any information with credit bureaus.