davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ERC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
Consumer complaint received 2023-01-05
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)

Hello I've disputed fraudulent accounts, inquiries and personal information multiple times with the bureaus without a proper or fair investigation. Its been six months and I need these items that I have disputed removed from my credit reports immediately.

Please see the letters, ftc report and my ID attached to this complaint. 

Thank you
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

On XX/XX/XXXX. I refinanced my mortgage from freedom mortgage to another lender. I closed on XX/XX/XXXX I was paid in full with freedom mortgage. I was owed a Remaining escrow Account payment of XXXX dollars. When I finally did receive the check it was in the amount of XXXX dollars. When I researched and called freedom they said that I owed a XXXX dollar fee. And a XXXX dollar fee and claim it was taken out of my payoff amount. I logged into my account and it shows that everything was paid in full on XXXX XXXX. Also the XXXX dollar fee showed on the same date and then on XX/XX/XXXX I was also charged a XXXX dollar fee. When I asked them about this they said it was never taken out of my escro and couldnt tell me where the money was paid from or what it was for. Ive had nothing but recurring issues with this company and thats the reason I left them. XXXX dollars or so might not be much but it is to me when I bust my XXXX  everyday to pay my bills everyday and pay them on time. I need help with this company XXXX plan on suing them. This is just wrong.
Consumer complaint received 2020-09-28
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: FC HoldCo LLC (IL)

Requested Covid 19 Hardship company accepted but claimed check was not received but they had cashed it over a month ago. Report I was late XXXX appox.
Consumer complaint received 2022-11-07
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. (NY)

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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXX Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance {$0.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2023-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MA)

Venmo Help You have a new message from Venmo regarding request XXXX  XXXX. To respond, simply reply to this email. 

Hello XXXX XXXX, We initiated a trace regarding your withdrawal of {$500.00} initiated on XX/XX/XXXX. Our records confirm the funds were posted to your account ending in XXXX. Please contact your bank 's ACH Department to find the date the funds were credited to your bank account balance. Please provide the following trace number to your bank 's ACH department : XXXX. 

As of today the money has not been transferred. XXXX
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

i was contacted by the mortgage company stateing that an error was made on the part of the company and they would add the amount of {$7400.00} then another amount of {$7500.00}, they stated property inspection fee, and certified mail cost, i am not clear as to why that would equal that amount. i asked for a line item, that reflected and showing an error of that large of an amount, please help me with the the process,
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (AZ)

I, XXXX, am reporting the loss of my wallet at XXXX XXXX XXXX XXXX in 2019. Since then, my identity has been compromised, leading to unauthorized credit card usage and debt accumulation under my name.
Consumer complaint received 2023-03-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation (TN)

I used a app called albert for a {$200.00} payday loan. They make you link your checking account first before they approve or deny the loan. Long story short i was denied the loan and several months later got a random {$96.00} charge for albert XXXX XXXX XXXX XXXX XXXX XXXX i never signed up for. This company is openly committing fraud with their bait and switch tactics to scam money. They claim to have issued a refund its been over a week and still no refund. This company is criminal and must be stopped!
Consumer complaint received 2021-02-06
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. (SC)

On XX/XX/2020, I submitted a dispute to Transunion regarding incorrect reporting on 2 closed mortgage accounts by XXXX XXXX XXXX. XXXX  XXXX XXXX incorrectly reported delinquent payments on these accounts while they were in forbearance that XXXX  XXXX XXXX offered me due to the CARES act. My Transunion credit report is showing the accounts in forbearance with delinquent payments at the same time. I reached out to XXXX  XXXX XXXX, who corrected the information on my accounts. 
XXXX  XXXX XXXX informed me by letters dated XX/XX/XXXX and XX/XX/2020 that XXXX  XXXX XXXX had updated reporting of these accounts to show payment status as " payed as agreed '', with no mention of delinquency. Transunion has failed to remove the remarks from these accounts, and is informing me that the incorrect information is what XXXX  XXXX XXXX has verified as correct. 
On XX/XX/2020, I sent another dispute to Transunion by registered mail, for which I have not received an acknowledgement receipt. I called Transunion on XX/XX/XXXX to inquire as to the progress of the second dispute, I was told that no letter or documentation had been received. As of today, XX/XX/XXXX, I have not received communication or confirmation from Transunion regarding this latest dispute, and the inaccurate information is still on my credit report.
Consumer complaint received 2020-08-12
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: BARCLAYS BANK DELAWARE (AZ)

My complaint is two-fold. First it is again XXXX XXXX as I made a reservation for a stay in XXXX, Hawaii on XX/XX/2020. As soon as the state of Hawaii put in a mandatory 2 week quarantine, I cancelled the reservation on approx. XX/XX/2020. I requested a refund of the total amount {$1000.00} less the service fee, or a refund of {$760.00}. My host, XXXX, told me to contact XXXX XXXX. The reservation was for the week of XX/XX/2020. At that time, when you called XXXX XXXX, they had a recording that said, unless your reservation is within the next 72 hours, we can't help you. I kept trying to contact them and could not get anyone to respond to me. I then put in a dispute with my credit card company that I used to make the reservation. After an investigation, they denied the dispute. I then called XXXX XXXX again on XX/XX/2020 and talked to XXXX who promised to elevate my problem and that someone would contact me. I called again on XX/XX/XXXX and was told the same thing, someone would contact me. No one has ever contacted me. I did not travel to Hawaii due to Covid 19 and the travel restrictions. XXXX XXXX has had my money for over 5 months. I feel XXXX XXXX would refund the money andor the credit card company should have approved my dispute. Please help!
Consumer complaint received 2020-06-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On Sunday XX/XX/XXXX I deposited a company check in the amount of {$5400.00} from XXXX XXXX that was written to me for a job I did. Then on Wednesday XX/XX/XXXX called to check my available balance was told there was a hold on the check until XXXX XXXX.went to to the bank to see why there was a hold. The financial center manager told me that she would not help me. This is not the first time I've had problems with her. She was very unprofessional, disrespectable and rude. The last time I asked her for assistance she had one of her employees push me. I've been a customer there for 10 years. The bank I'm referring to is Bank of America XXXX, Ga.
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (PA)

I, XXXX XXXX, is filing the complaint on behalf of my son, XXXX XXXX, presently not in the country. And, was not in the country at the origination of the debt during XX/XX/2019. The original bill is via a company named XXXX, where the only communication began with the billing of the amount {$300.00}. 

The origin of this bill began with an application named " XXXX. '' " XXXX '' began texting XXXX during XX/XX/2019 about monthly savings on bills. I have never solicited any service from " XXXX ''. At no time was there a live individual. Everything was via text messaging. The people or customer service representative was unknown. " XXXX, '' and those behind the scene, strangely reviewed my bills and stated that they could save me money. I was curious but there was no agreement for services or fees. Eventually " XXXX '' text that they could save money by lowering my cell phone monthly bill. At no time was the other party, XXXX, ever introduced through the various text messages. " XXXX '' had access to all of my accounts. It is uncleared as to where this company extracted the information ; i.e. banking, credit report, etc. Even up to this point, XXXX was not introduced. They were the " invisible '' partner of this scam. Keep in mind, as a customer of XXXX, I could have easily called to discussed lowering the bill. 

On XX/XX/2019, I received a text invoice from XXXX for a fee of {$300.00}. Was my bill lowered, no! I emailed " hiCharlie '' with my protest at XXXX. Who is XXXX? The entire scenario is suspicious and it is probable that " XXXX '' was actually a separate entity or application of the organization XXXX. Now, XXXX is on the scene. I disputed this charge and communicated with XXXX. XXXX stated it had to be handled through " XXXX ''. Now, XXXX is stating there is nothing that they can do. XXXX does not have any agreement from me or my son for their services. I, XXXX XXXX, never ever granted permission for a {$300.00} billing for something that I could have done. 

A complaint was filed with your agency, CFPB, XX/XX/2019 regarding these fraudulent practices of the owner of " XXXX '' and association with BillShark. XXXX is fully aware of the bait and switch tactics used through this application, " XXXX. '' I honestly believed that they worked together.. Let it be cleared that " XXXX '' appeared via the phone number XXXX, which I, XXXX XXXX, is the owner. This verifies the fraud practices of XXXX. The XXXX  bill has three ( 3 ) numbers associated on it and one owner. I, XXXX XXXX, is an authorized user on that account. However, I, did not authorized nor agree to the billing of any services via " XXXX '' or XXXX. And, since XXXX XXXX was not in the United States, neither did he. 

The original associate of XXXX that began billing was XXXX. 
Now XXXX has sent this bill to Merchants & Professional Collection Bureau.
Consumer complaint received 2020-06-19
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)

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 # and contacted the police department and obtained a police report # which 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  XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one is reporting late payment for XX/XX/2019 and have failed to provide proof of late payment. 
I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. 

It is an unfair act for late payments to be reported. It is a violation of the law, invasion on privacy, Pursuant to 16 CFR 444.4 an Unfair act of practice Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Who did you speak to?

My finger prints?

Original contract? 
License number? 
Wet ink signature? 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The error is being reported via XXXX. I was not given an option of verification. The information is not accurate. I need the amounts and dates of the balance verifying this erroraneous info It seems this is an error.
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC (NC)

I sent a letter on XX/XX/XXXX asking Credit Control LLC who is handling the account for XXXX  " Please can you verify these accounts for me so I can know if they are even legitimately mine? Can you send verification of my original paper work with my signature on the following accounts? '' I received no response. They continue not to respond to my letter. Also, I want the following open accounts removed from my credit report put there by XXXX XXXX XXXX : XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX I am on XXXX as of XX/XX/2019 and my income is also considered " Collection Proof ''.
Consumer complaint received 2024-02-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

In XXXX of 2023 I was in process of acquiring home for my family when a collection appeared on my account. I was shocked because I was told by Invitation home I could leave because of bullets that went through my window. I also had a roommate that agreed to pay Half however he passed away and now I see the debt in collections. Also I was told I would not owe all the rent or be charged a penalty for leaving. This obviously was not true as they not only are charging me as if I never paid rent they also kept my security deposit and that means that the total debt amount is illegal. Under these terms and my. consumer rights for harassing me about a bill that was said to b taken care of because I was allowed to leave is obscured. I believe for this not only should company be charged a penalty they should also not be allowed to collect on the full amount.
Consumer complaint received 2023-03-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (MD)

We took out a XXXX in XXXX with XXXX and paid it off 15 years ago in XXXX. GMAC went out of business and was purchased by XXXX XXXX. 

Effective XX/XX/XXXX, Ocwen Loan Servicing , LLC acquired certain assets of GMAC Mortgage , LLC, pursuant to a Sale Order entered in connection with the bankruptcy cases of XXXX XXXX XXXX XXXX and certain of its affiliated debtors. 

XXXX however failed to properly record the XXXXien release/payoff. I have my credit report showing the PAID IN FULL, as well as a Paid In Full document from GMAC Lien Release Department, yet neither XXXX  nor Ocwen Financial Corporation ( PHH Mortgage ) is extremely incompetent in following through on this. This is causing undue stress as I am attempting to refinance my property but can not until I receive the payoff. 

Ocwen Financial Corporation 's primary brands : PHH Mortgage and Liberty Reverse Mortgage. PHH Mortgage is one of the largest servicers in the country,
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (FL)

The payment l had been making are not reflecting towards the balance. Therefore reporting inaccurate on my credit report. 

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
1

5 U.S.C 1681 section 602 A. Slates I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannogfumish a account without my written instructions
Consumer complaint received 2023-01-05
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. (TX)

I sent disputes to XXXX, XXXX, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-02-24
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)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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