davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
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. (RI)

Lord have mercy. I do not know where to begin with this horrible company that has been negatively affecting my credit report and costing me thousands of dollars in interest. I had settled my debt with XXXX XXXX through a debt collection company named XXXX XXXX XXXX back in XX/XX/2020. I paid this debt collector {$260.00} and the Plan ID # also known as the confirmation number is : XXXX. I called XXXX XXXX XXXX and spoke with an associate by the name of XXXX XXXX. I informed him that I have made an agreement with XXXX XXXX XXXX stating that I would pay the debt of {$260.00} in order for them to delete and remove the account completely off of my credit report. He informed me that he is UNSURE why said account is still showing on my credit reports because the company requested a deletion from the 3 credit bureaus back on XX/XX/2020 and he also informed me that their department which settles debts asked the 3 major credit bureaus to remove said trade line from my credit reports. This company is hurting my credit profile, I already paid the alleged debt that was owed why are they still trying to destroy my credit profile? I would like this company removed and deleted from my 3 credit reports IMMEDIATELY as they are NEGATIVELY affecting my credit score. I would also like to add that these companies have violated my rights under the FCRA, 15 U.S. Code 1681s2 states A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.This is a clear violation AS THE LAW SAYS. I have attached a copy of this inaccuracy from the 3 credit bureaus and am seeking Montery relief from all companies involved with this violation. I have sent the 3 credit bureaus A LOT of letters stating this inaccuracy and all they have done was further violate my rights by updating this alleged debt and not fully investigating as they should have.
Consumer complaint received 2023-06-23
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. (OR)

Experian, and XXXX are committing fraud by keeping these accounts XXXX XXXX XXXX XXXX, and XXXX XXXX on my credit report even though these companies have sold the debt and no longer own them they need to be deleted immediately
Consumer complaint received 2021-08-04
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. (TX)

I know that the FCRA states that the only purposes for pulling someones credit report are : firm offer of credit, insurance, court order, or employment. With that being said, I am unaware of the inquiries below. I never authorized such and I ask your agency to please remove these from reporting on my credit report. 

XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX,
Consumer complaint received 2021-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (NY)

Tek Collect put a collection account on my credit report for XXXX XXXX XXXX XXXX XXXX. We do not live in XXXX XXXX Ny and my child goes to public school where we live and we are also not XXXX.. There is no other information. Its just some completely random account that was fraudulently attributed to me. I have never been contacted by these people in any way by either letter, email or phone. I have no idea what or who this debt belongs too, but its not mine.
Consumer complaint received 2021-08-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

please review the following accounts that appear on my credit report, without any authorization, they are not mine, it is hurting me Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXXXXXXXXXXX**** This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
.
Consumer complaint received 2021-08-04
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: EQUIFAX, INC. (FL)

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The bureaus have had a year and 7 dispute letters sent to resolve this and they have failed! Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2021-08-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (WI)

What happened? 
i im filing a complaint with the state of Wisconsin for the illegal repossession of my vehicle. On both occasions no notice of default was sent. The first time XXXX claimed he had sent it but to the wrong address. I personally gave him the correct address informing him my car was picked up at my house and gave him the address and confirmed it. I tried to make a payment online which i couldn't.On this occasion not only was my car taken without mailing a notice of default bit also while i verbally told the XXXX  not to take it as my right by Wisconsin law. You have violated my rights with your illegal practices by not following the law of the state of Wisconsin. A complaint and copy of this email will be filed with the state. Also as I'm looking at my contact information i noticed that i was told my interest would be 156 % when i was approved yet noticed that it is actually 190 %. As these documents are not shown or explained at time of loan you are told to just sign which is misleading by tell you one rate and by not informing the actual interest rate being charged at the time of signing the contract which is also a fraudulent practice by TitleMax.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

There is a late payment on my account that is messing with my credit score. I tried to call the company no response I dispute it the transaction and they still giving me the runaround.
Consumer complaint received 2021-08-04
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. (TX)

I have a collections account reported on my credit report that should not be. According to the statute of limitations in the State of Texas, creditors can not report an account if the account is older than 4yrs. This particular account in the amount of {$1400.00} was closed back in XX/XX/2016and the creditor is just now try reporting. Creditors has the right to contact me directly to resolve, but they do not have to right to report on my credit report if account is older than 4yrs. old.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Placement Services, LLC (WI)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-08-04
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: CREDIT ACCEPTANCE CORPORATION (NY)

review these accounts, which appear on my credit report, do not belong to me. 
Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc. (VA)

This account was opened on XX/XX/2021. I use it for deposits from a rental property. On XX/XX/XXXX I logged into the account in order to make an outgoing transfer and the account had a 'restricted ' label on it. I called Comenity ( the bank ) and they said the account was restricted on XX/XX/XXXX and they confirmed that I had not received any notice/communication that the account had been restricted. While on the phone with the bank on XX/XX/XXXX, I was told that the account was not restricted due to fraud but they could not tell me why it was restricted or when it would be unrestricted. They also informed me that while the account was restricted on XX/XX/XXXX, there were no notes on the account as to why it was restricted and there were no updates regarding the account since XX/XX/XXXX meaning it was in a restricted status for over 14 business days without an update. 

At the moment I am unable to withdraw funds from the account but am able to deposit funds.
Consumer complaint received 2021-08-04
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. (TX)

fcra violations not mine : 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, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Account charged off. {$5900.00} written off. {$5800.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3400.00} written off. {$3700.00} past due as of XX/XX/XXXX

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XX/XX/XXXXPotentially negative Date opened XX/XX/XXXX Balance {$41000.00} Status Open. 


XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late.
Consumer complaint received 2021-08-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I went through financial hardship and I applied for home modification through Bank of America. They deferred {$25000.00} ( put it as a lien ) my mortgage balance went down by that amount and they increased my mortgage pay off from 30 years to 34 years. I bought the house back in XX/XX/XXXX. I had a one year signed agreement with the bank as a protection plan to pay my mortgage for 1 year if I was not able to. When that modification was done they added {$30000.00} to the lien amount of XXXX as a payment reversal. I have the bank statement from that period and the numbers seems way off. I will appreciate if someone can take a look into it. I am trying to refinance and everything is on hold because of that. The best phone number to reach me is XXXX. My old mortgage number XXXX with BOA. They sold my mortgage to XXXX XXXX  on XX/XX/XXXX.
Consumer complaint received 2021-08-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (VA)

XX/XX/XXXX XXXX XXXX XXXX dba Midland Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Midland Funding, Your company has not verified the alleged debt. You entered false information on my credit report, which I have disputed. You are in violation of the Fair Debt Collection Practices. You gave false information to a credit-reporting bureau. A credit-reporting bureau maintains a system of records protected under the Privacy Act. The law provides equitable relief in the form of expungement of records 5 U.S.C. 552a ( g ) ( 1 ) ( C ) affording civil action against an agency.

As a third party debt collection agency, you are attempting to collect a debt without validation. Your entry on my credit report constitutes limited-content-message under the Final Debt Collection Rule Issued by Consumer Financial Protection Bureau and the Fair Debt Collection Practices Act.

The Federal government documented my stolen identity in the XXXX data breach in XXXX. The information on my credit report alleges the account opened XXXX XX/XX/XXXX, the year of the XXXX Data Breach and became delinquent XXXX XX/XX/XXXX. It is impossible to be delinquent on an account not yet opened. 

The Virginia Statute of Limitation on debt collection is 5-years from the date of delinquency. XX/XX/XXXX ends your ability to collect this alleged debt. Your attempts to collect this unverified and disputed debt exceeds the Virginia Statute of Limitations by 1-year, 5-months and 21-days of a Time-Barred debt. Your attempt to collect this alleged debt breaches the FDCPA in Virginia.

By placing a lien on my home, you are threatening to take a non-judicial action to effect dispossession or disablement of property when there is no present right to possession of the property claimed as collateral through an enforceable security interest. This is an unfair debt collection practice identified by the FDCPA.

I am not responsible for this fraudulent debt. Remove your entry from all Credit
Reporting Bureaus. Release any lien notices on my property and mortgage agencies. I demand the name and address of the original creditor and original documents that prove collateralization of the debt. 

You are prohibited from furnishing information about a debt to a consumer-reporting agency before engaging in specific outreach to me about the debt. You breached Debt Collection Practices ( Regulation F ) Final Rule. 

CEASE and DESIST collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (AZ)

I owe credit card debt to Chase. I have asked the company to quit calling me more then one time to the same number. I contacted them again on XX/XX/2021 and spoked to a XXXX ( Supervisor ). Chase is calling me from XXXX. They called my wifes 's number twice to the same number within 30. They called her at XXXX and again at XXXX. They have been doing this for several months. This is clearly a violation of FDCPA. I have told them on a number of occasion not to call me or my wife I even sent a letter in. They are charging me absurd fees and late charges of {$160.00} a month. I have had an XXXX XXXX and currently have the XXXX XXXX. I tried to resolve this debt for {$7000.00}. I owe {$13000.00}. However my brother passed away and I had to pay for funeral expenses. They keep on calling me twice a day to my wife 's number ( XXXX ) XXXX and my number XXXX. This is stressing me out and causing XXXX XXXX XXXX
Consumer complaint received 2021-08-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (VA)

In the middle of COVID my mother died, I couldnt make my mortgage payments nor work, because of COVID and needing XXXX. After burying my mother. I had XXXX XXXX  and XXXX XXXX or workin XX/XX/XXXX, months after XXXX I kept having pain to find out that they XXXX XXXX XXXX XXXX in my XXXX  and had to go back in to fix it on XXXX XXXX. I am looking for work from home, but no luck yet. financially Im empty with no other resources or help. From XX/XX/XXXX I have been taking food from food banks. I filed for unemployment and now in XX/XX/XXXX theyve told me my unemployment is getting ready to expire. I am still in need of assistance, And afraid to end up on the street. I tried contacting Gregory Funding LLC and said they couldnt talk to me because of bankruptcy, I would need to get authorization from my attorney so I got authorization to talk to them and now they answer and put me on hold for and hour and a half at a time and then hang up. 
Theyve filed a relief from stay with my bankruptcy in order to foreclose. I want to work with them. When I purchased this property I put a deposit down of {$46000.00} leaving mortagage balance of only XXXX from XXXX my balance should only be {$78000.00}, but because of 2 modifications the are telling me I owe {$200000.00}. Look I have made payments over the years and not of my payments have been calculated in, theyre breaking the law by charging outrageous fees and taking advantage of me knowing I want be able to sell because of what my home is worth at market price. I am trying to sell, but because of the high fees theyve tack on Im not getting any perspective buyers, which also have to do with what I have to sell it for in order to transition or move and pay to move and 20 percent to put down on another place. What their doing is against the law with the fees theyve tact on. I need for them to remove some of their fees that they have tact on bringing the property to a reasonable price in order for me to sell at a reasonable price. Look I have put so much money in this property since XXXX I want be able to get it back, I got to have something to move and settle some where. At XXXX I should be preparing to retire, I have buried my father and XXXX XXXX and now my mother! I had taken a financial toll on me and the thing is Im still responsible for another brother who had a XXXX in XXXX in a XXXX XXXX  in Florida. I had to raised his XXXX XXXX, because my parents couldnt. I dont want to give these people a hard time I need help to keep Gregory funding from put me on the street with nothing. 
Please help me
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stevens Business Service, Inc. (NY)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2021-08-04
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: ALLY FINANCIAL INC. (CA)

All of the following accounts are fraud. I did not open these accounts nor authorize anyone to open these accounts in my name. I have a suspicion that my ex-husband and his acquaintances are the ones who fraudulently opened these accounts : - Ally Financial - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX - XXXX XXXX I have attached an ID Theft affidavit packet and police report.
Consumer complaint received 2023-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (SC)

NATIONAL CREDIT SYSTEMS , INC, a debt collector, has fraudulently stolen and used XXXX XXXX XXXX 'S personal identifying information ; Social Security Number, address, phone number, etc. without any consent given. This is a violation of the Fair Debt Collection Practices Act 805 ( b ) - Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgement judicial remedy, a debt collector may not communicate, in connection with the collection of any debt ... ''.