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 — Old information reappears or never goes away
Company: Paramount Recovery Systems, L.P. (FL)

According to PARAMOUNT RECOVERY SYSTEMS, there is a debt under account # : XXXX XXXX for {$350.00} & account : XXXX XXXX for {$2000.00}. These accounts were previously disputed with all 3 credit bureaus, the accounts could not be validated and were removed and deleted from my credit reports. In addition, the original creditor, XXXX XXXX released my medical records to this third-party collection agency ( PARAMOUNT RECOVERY SYSTEMS ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization. 

According to XXXX, there is a debt under account # : XXXX XXXX for {$1600.00} & account : XXXX XXXX for {$88.00} These accounts were last disputed on XX/XX/20 with all 3 credit bureaus. XXXX responded with a letter ( see attachment ) showing only a balance and service date. XXXX failed to validate the debt by providing me with a breakdown of charges, Diagnosis, and or procedure codes for services rendered in addition to my signed XXXX release per my dispute request letter. In addition, the original creditorXXXX XXXX XXXX released my medical records to this third-party collection agency ( XXXX ) without my knowledge or a signed XXXX release authorization. I am aware that the XXXX does allow for limited information about me but anything more is to ONLY be revealed with the patients authorization.
Consumer complaint received 2021-01-15
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2021-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (SC)

To Whom It May Concern, I am having an ongoing issue with XXXX XXXX XXXX  ( XXXX ) over an account which was created without my authorization. The account is not mine and has been duly reported to XXXX and the police, including an identity theft affidavit. 
XXXX refuses to remove the account from my consumer credit files and has stonewalled any lawful investigation into its removal. The data is listed on the derogatory section of my consumer credit files under personal culpability when it is not even mine. i am asking this agency to oversee the contact and removal of this account from my reports within the 30 day guidelines under Fair Debt Collection Practices Act rules and in accordance with the Fair Credit Billing Act. 

It is not mine and I should not have this marring my files for their lack of security in issuing a card used by identity theft.
Consumer complaint received 2021-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To whom it may concern, My card has been used without my authorization on XXXX  for the total of nearly {$4000.00} dollars. After I realized it, I contacted Bank of America for help. They told me to divide it into 3 different claims : {$3200.00}, {$130.00} and {$140.00}. Then, they started researching my claim. After 9 days, I was told that one of my claims ( the {$3200.00} one ) has been denied, where the others are reimbursed. 

It honestly makes no sense. My card was used without my authorization. This is a fraudulent charge. How can one of the claims be denied while technically they belong to the same case?
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 — Account information incorrect
Company: Medical Data Systems, Inc. (FL)

On XX/XX/XXXX a collection account was added to my accounts with all three credit bureaus in the amount of {$5300.00}. The reporting party is Medical Data Systems, and the original creditor is listed as XXXX XXXX XXXX. I have had services performed in the past at XXXX XXXX XXXX, the last date of service was XX/XX/XXXX. Due to the length of time since having had any communication from XXXX, and also having no familiarity with the debt in the amount reported, I disputed the account with all three bureaus. XXXX promptly removed the collection account ; however, XXXX and XXXX continue to report the account as open but disputed. Over the years I have made payments via self-pay and through tax return garnishment, in addition to any payments made through insurance. I have contacted XXXX XXXX XXXX and all their affiliates, and have an official written statement of current balance owed along with dates of service/services performed and associated charges. The amount owed by me, to date, to XXXX is {$3300.00}. I have also received notification from the SC XXXX of their intention to garnish my upcoming XXXX SC tax refund toward further payment of this debt. I contacted Medical Data Systems on XX/XX/XXXX to advise them of the discrepancy in amount owed vs. amount being reported on my credit, they stated that they are unable to alter the amount until advised by XXXX to do so. The {$5300.00} dollar amount is what is currently being reported to them by XXXX, with no payments toward the balance being indicated. I have since tried to contact someone at XXXX in regards to this matter, twice on XX/XX/XXXX and once more on XX/XX/XXXX, having left two voicemails after having been told by a billing rep that their office was unable to address the situation and to call a supervisor. It is unacceptable that I am having to make multiple, thus far unsuccessful, attempts to have incorrect information that is detrimental to me changed.
Consumer complaint received 2021-01-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

I AM EXERCISING MY RIGHT TO LOAN CANCELLATION WHEN MORTGAGE FRAUD IS PROVEN ... WE HAVE MULTIPLE COUNTS # 1 ... DEFENDANT NATIONSTAR PLEAD GUILTY TO MORTGAGE FRAUD IN A CLASS ACTION LAWSUIT I AM A PLAINTIFF IN. Mortgage holder XXXX XXXX won this lawsuit as a plaintiff. COPY OF GUILTY PLEA ATTACHED # 2 ... FOR THE 6TH TIME, NATIONSTAR STOLE A MONTHLY PAYMENT WHEN I TRIED TO PAY MY LOAN AHEAD ... My XX/XX/2021 payment was stolen. I want a copy of the digital recording of my call sent to my email address @ XXXX immediately in case loan is not cancelled as required by law. COPY OF STOLEN PAYMENT ATTACHED # 3 ... NATIONSTAR ILLEGALLY CHARGED 36 LATE FEES ON XX/XX/2021 ... TO COLLECT ILLEGAL ATTORNEY FEES THEY ADDED YEARS AGO .... This repeated mortgage fraud is an active case with the XXXX XXXX XXXX Department. All of this evidence will be added to the case against XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. A REMINDER FOR ALL ... There is no statute of limitation in Florida if the defendants are out of state. ALL defendants are out of state. Florida is no stranger to out of state crime. XXXX XXXX is a good example of an old case gaining new traction. 

# 4 ... NATIONSTAR IS STILL COLLECTING AND POCKETING PMI ( MORTGAGE INSURANCE ) .... PMI WAS REMOVED FROM THIS ACCOUNT LONG AGO. .... ( COPY ATTACHED ) # 5 ... PROVIDING AN ILLEGAL PREPAYMENT AMOUNT ... Nationstar is requesting {$110000.00} ... Loan balance is {$110000.00} ... 100 % FRAUD Nationstar, and XXXX XXXX who initiated this loan with fraudulent loan origination paperwork, continue to put themselves at legal and criminal risk with blatant and flagrant legal violations. 

We have retained all of the written evidence from the past and have added this new evidence to the file for this case. If needed, we will accelerate the criminal side of this proceeding in Florida, and also with the FBI which has the file that was referred to them by XXXX XXXX Law Enforcement. These are real files. You answered real subpoenas. Our evidence and both cases are real. 

IF you refuse to cancel the loan as required and we are forced to seek additional financial relief in a Florida civil court again, please know we saw the entire defense ... and I found an attorney that not only despises banks ... he wins ... and gets the $ $ . If forced, we will seek the max amount from all involved.
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: LEXISNEXIS (OH)

I would like to have a security freeze placed on my credit file. I have some issues with my information being used without my knowledge and consent. XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  OH XXXX is my current and only address, please remove/delete the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, OH XXXX
Consumer complaint received 2021-01-15
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. (NC)

May I ask why this account from XXXX XXXX is being reported on 2 CRA 's? 

XXXX last received payment, also see attached report, on XX/XX/XXXX. The account is not negative and is current. In your comment you state was closed by Credit Grantor? So I just dont see why you would want to keep reporting. 

Then for some odd reason, after 7 years mind you, I was making good payments again sometime in XXXX. That's amazing! 

Transunion account Account # : XXXX XXXX account # XXXX
Consumer complaint received 2021-01-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PRA has violated a minimum of 4 federally protected consumer Rights violations under 15 USC 1692 1.Violation of 15 USC 1692e ( 2 ) ( A ) - On XX/XX/2020PRA sent me a debt collection letter with the amount of a alleged debt in a positive character amount. How is it possible to pay on a positive amount. This is a false representation of alleged debt. 

2.Violation of 15 USC 1692j-In the account details of the debt collection letter PRA furnished false information of the original creditor as if they were participating in this collection. 

3. Violation of 15 USC 1692b ( 2 ) - Several times throughout this letter this junk debt collector has stated that I owe a debt ... Debt collector has no idea if I am the person reading the letter nor has any form of written or oral permission to have any of my personal information or any contact with me. 

4.Violation 15 USC 1692d ( 2 ) -Debt collector is using obscene language which is XXXX  to me as the reader by stating that I owe a debt. 



I have attached the documents that I have sent to the violator.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

please find attached the documents for disputing inquiires i never authorized, and also XXXX XXXX account that i never had delinquency, and never late payments, please have these inquiries removed from my credit file. and the late payment which is a very disturbing negative on my credit file removed. 
thank you
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

I am unable to contact XXXX MyLoanCare either through their website or by telephone for website assistance. In XXXX of XXXX they did not process my loan payment in a satisfactory manner. The charged me a late fee. I was able to contact them at the time by telephone and provided dates and information to dispute the late fee. They removed the late fee. In late XXXX I checked my credit report and they had reported me as being over 30 days late with my XXXX Payment. I have not been late with any mortgage payment in over 20 years. Nevertheless, I did not challenge their report at the time, even though they admitted by dropping the late charge that I was not late. In XXXX of XXXX, I was able to make my XXXX payment online, after much difficulty connecting to their site, Since they have proved to me they are unable or unwilling to process mail payments in a timely manner, I believe it is essential to make my payments on line to receive confirmation at the time of payment. I have not been able to contact XXXX.Myloancare either online or by telephone. Since that time I have not been able to get back to my account online, nor have I been able to reach anyone regarding my not being able to get to my account online with anyone at XXXX XXXX.My Loan Care either by phone or online. My impression is they seem to want to avoid customer contact to resolve any problem.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (NV)

I disputed a debt on my credit report. I received my dispute results and the item was deleted from XXXX. I contacted the company to see if XXXX  and XXXX  would be updated and they stated it was not deleted and also do not have my correct address on file. The company Caine & Weiner could not verify the debt to be mine and also deleted it. I was confused and upset. I inquired about getting a deletion letter or an update sent to XXXX  and XXXX and they hung up on me. I called back and was onhold for 1 hour and no one came on the line to assist. 


! st call : Caine & Weiner : Acct # XXXX -- amount {$210.00} XXXX at XXXX PM PST I spoke to XXXX and XXXX the Operations XXXX and XXXX hung up on me. I was told the above scenario. 

2nd call : Caine & Weiner Acct # XXXX -- amount {$210.00} XXXX at XXXX PM PST I spoke to XXXX who had a different phone number, different address and could not verify my social security number while speaking to me. I advised of my XXXX report and he stated that I email it to XXXX and put my acct # in the subject line. XXXX stated that I was not able to speak to a supervisor and that someone would call me back. No one did.
Consumer complaint received 2023-03-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

I called on XX/XX/XXXX to drop my PMI insurance as we havent missed one payment and we purchased the in XXXX XXXX for XXXX now the house is worth XXXX and only owe XXXX. We spoke to a representative at lake view and I requested them to drop the pmi he said I would need to pay this for the next 11 years. I told him I will be filing a complaint and requested his name, he informed me he wasnt allowed to give me his name and gave me a ID number of XXXX.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
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: EQUIFAX, INC. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

For 3 years I've been battling with Equifax to get access to my account. Recently I was asked once again, being like the 5th time, to submit a copy of my driver 's license, social security card, and a letter stating the issue. I even submitted copies of my utility bills. I called Equifax and was told that they received my documents and yet I still do not have access to my account. Every time I call I get the same answer that it will get escalated to the right department. I never get a call or an email about any kind of progress. This is very frustrating. I don't know what the next step would be. Please investigate as I've exhausted all that I can do.
Consumer complaint received 2024-03-14
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. (CA)

I am submitting a follow-up complaint today to inform you that I have been a victim of fraudulent activity. According to Section 605B of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies must eliminate any items indicated in an identity theft report, reference number XXXX. Attached are documents to facilitate the removal of erroneous information and fraudulent items that have been incorrectly added to my credit report. Below is a list of items opened without my authorization : EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX. Per FCRA Section 605B ( a ), the Credit Reporting Agencies are obligated to delete any consumer file items identified as stemming from alleged fraudulent activity within 4 business days following receipt of such a claim.
Consumer complaint received 2021-01-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CONDOR CAPITAL CORP (NY)

In XXXX of 2012, they financed my car XXXX XXXX XXXX XXXX. I was recently told the company no longer exist. I paid the car off in a year or less. I was unaware I was supposed to mail in the lien release since they were the ones who notified DMV I assumed they would do the same to release the lease. I also can not remember that far back if one was mailed to me. 
I recently requested a new title and was surprised the lien was still on it. I have tried contacting the company, but have discovered they no longer exist. I tried FDIC who directed me to XXXX  of State who directed me to a company XXXX  XXXX XXXX. XXXX  XXXX was not able to help me, and they said they have no such access to XXXX XXXX or loans outstanding or paid off. I then contact DMV Title Service who directed me to XXXX XXXX  to look up XXXX and was finally directed to you. 
Any help you can give me would be greatly appreciated.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (GA)

I had an apple credit card opened that had a big interest rate and I paid off the debt and canceled it as I thought it was too much. I then found out about the SCRA after I canceled it and was wanting to get reimbursed for all of the interest I have paid on this card during my time in the military.
Consumer complaint received 2021-01-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (CA)

I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt. 

At one point I was threatened with legal action. I understand this was a big debt, but I was willing to work with them. But it was not a friendly exchange.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (TX)

SINCE XX/XX/2020 I REQUESTED A DEFERRMENT FOR MY US BANK PERSONAL AND BUSINESS CREDIT CARD, THEY GAVE ME THE DEFERRMENTS THRU THE COVID 19 CARES ACT DUE TO COVID 19. THEY PUT A 30 DAYS LATE ON MY PERSONAL CREDIT REPORT. I ASK THEM WHY DID THEY PUT A LATE PAYMENT ON MY REPORT, THE LADY YOU SUPPOSE TO GET LATE PAYMENTS WHEN YOU DEFERRED THRU THE CARES ACT. I TOLD HER THAT THE CARES ACT PROTECT YOU FROM EVEN GETTING A LATE PAYMENT THATS WHY ITS CALLED A DEFERRMENT AND IT IS ALSO THE LAW THRU THE CARES ACT THAT IF YOU REQUEST FOR THE DEFERRMENTS AND THEY WERE GRANTED THEN NO LATE PAYMENTS WILL OCCURR ON YOUR CREDIT REPORT WHILE YOU ARE IN DEFERRMENT. THE LADY SAID I DONT KNOW WHAT YOU TALKING ABOUT AND THATS NOT TRUE AND THATS NOT THE LAW AND IS THERE ANYTHING ELSE SHE CAN HELP ME WITH. IM NOT EVEN SURE IF THEY PUT LATE PAYMENTS ON MY BUSINESS CREDIT CARD THRU XXXX BUSINESS AND XXXX BUSINESS AND XXXX, XXXX AND XXXX DOES NOT REPORT.