davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (VA)

On XX/XX/2019 the follow message was sent to the apartment complex : Hello xxx, After careful deliberation I would like to proceed with option number one of the buyout options. This email will serve as my 30 day WRITTEN notice that I will be vacating the premises on XX/XX/2019 and moving into my new residence. My decision to vacate and break this lease is as following : Repairs from XXXX are still not fixed such as : missing screen of window and main entrance door still bended in Pest problem is horrible, when pest control came it made the problem worse Roommates moved out and I can no longer afford the monthly rent on my own without being able to live life comfortably. 

And the property isnt well kept among other things. 

I will appear to court on XX/XX/XXXX as requested, but I have no intentions of continuing to occupy this apartment after the XXXX. This email should serve as my notice to vacate. If I need to provide a court ordered document please let me know ASAP, but please honor this as my 30-day notice. 

Lastly, please provide any forms that my guarantor and I need to sign and we will pay the {$1700.00} before we move as your previous email stated. 

Thank you and I look forward to hearing from you soon. 

Respectfully, XXXX On XX/XX/2019 this email was acknowledged by apartment complex and signed agreement and lease buyout forms. On XX/XX/2019 I appeared to court for unlawful detainer case. I submitted my lease buyout fee that equaled to a months rent and vacated on the date I said i will the judge dismissed the case as a non-suit. After following the complex terms, paying them and vacating willing all a part of our agreement they still sold an unverified debt to National XXXX audit collectors on XX/XX/2019. I disputed this with all 3 credit bureaus and only 1 out of 3 removed it from my credit. National credit audit corporation refused to remove it off of my other two reports. The original creditor did not verify this collection they sold it to national credit audit and there was NO written form of communication, contract, or written signature for the accused at all. A bill without signature does not validate a debt and anyone can send me a bill saying it mine. According to the FCRA ( National Credit Audit Corp ) has violated my rights as a consumer and I am requesting legal action to remove this account AS SOON AS POSSIBLE
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO Bank, N.A. (TN)

Bank of west shoes delinquent of $ XXXX from 2019 on credit report jointly with wife XXXX . Per Bank of West they have no accounts open or delinquent in my name or social number. Wife has never had a account with them. This is Fraud especially on my wife!
Consumer complaint received 2021-08-14
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. (NC)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXXXXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2024-02-06
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. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 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 CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccounts PORTFOLIO RECOVERY ASSOCIATES # XXXX, Third-Party Collection Agency unable to validate debt. Other problems have included debtbuyers selling with accounts with one creditor and then being collecting by another whoallegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputesbetween debt buyers over who owns which account when buyers have purchased partialportfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtorsaccount ), or debt buyers attempting to collect monies in excess of the balance of apreviously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above companies and I request again that proof of Claim and verification.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I pulled my Consumer report and I am deeply disturbed and ashamed of the things I saw on my report! you guys are reporting misleading, false, and inaccurate information which is clearly an FCRA and FDCPA violation.
Consumer complaint received 2021-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

Upon the refinancing of my existing loan in XX/XX/2021, which Fifth Third Bank was servicing, I had new payments beginning in XX/XX/2021 under the new loan terms ; Fifth Third Bank is also servicing my new debt. Included in my monthly payment is PMI in the amount of {$55.00}. After the XX/XX/2021 payment, the LTV on my loan became 79.9589 % and the loan documents allow me to request removal of it. As such, I reached out to Fifth Third Bank on XX/XX/2021 to begin the process of removing the PMI. First I was told I can't cancel PMI because Fifth Third Bank was incorrectly quoting information from my old loan ( the loan prior to the one I refinanced XX/XX/2021 ). Then once that issue got settled in mid- to-late XXXX, I was told that an appraisal will be performed at my property, at no expense to me, in order to determine the proper market value. I can't recall the exact date but it was supposed to occur in early XXXX. Shortly after that in XXXX, I was contacted by another representative of Fifth Third Bank that said I had to make another written request to have it removed and that an appraisal was no longer needed. After trying to rectify the issue over the phone with no success, I reluctantly submitted another written request on XX/XX/XXXX to have the PMI removed. Since that time I have not heard anything from Fifth Third Bank and I've already received my XXXX mortgage invoice and it still lists the PMI. So here I am today, 5 months after my initial request and there has been absolutely zero movement in the removal process. This has arguably cost my family and I about {$250.00} ( and counting ). To say that this is beyond frustrating is an understatement ( quite frankly, I just don't have the time to document, step-by-step their ineptitude ) and the customer service provided up until now has been awful. I have all the loan documents and am well versed in this field. There is no reason why this PMI shouldn't be removed and I'm so fed up at this point which is why I'm reaching out to the Consumer Financial Protection Bureau. Fortunately, I work in a field similar to the service that Fifth Third Bank provides to it clients but for those individuals without a background like me, they are extremely vulnerable and mislead by this company ; likely resulting in families paying additional monies to Fifth Third Bank due to their poor performance.
Consumer complaint received 2021-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

Reason for this dispute is a Unknown account from CREDENCE RESOURCE MANAGE # XXXX. 
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well a complain under FDCPA 809. Validation of debts ... ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, The specific information under dispute is the derogatory nature. 
Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that is can be expected to have an adverse effect. '' Khan v, Equifax Information Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June 14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2021-08-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (OH)

I received several calls from Transworld Systems Inc recently, and like most people, I do not really answer unknown calls. XXXX  have contacted me before in the past and were not familiar with TSI. I paid a portion in XX/XX/XXXXXXXX ( when they were XXXX ) and then on the following dates, my credit report was flagged several times within the month. 

On XX/XX/XXXX they flagged my account to the credit reporting agencies. 
On XX/XX/XXXX they flagged me again. 
On XX/XX/XXXX, I paid them due to feeling threatened since they were attacking my credit of {$120.00} and on XX/XX/XXXX, they flagged my account again. 

As of yesterday, 18 days later they flagged the credit bureau again. I feel that these are bad business bullying tactics coupled with the agent telling me they would in many words attack my credit is absolutely horrible and unjust considering I made a payment last month and plan on making one this month, and work on paying this off. I still worry they will attack me in this fashion. I am a XXXX XXXX  and single mother and these bad business practices effect how I can care for my child  as I just moved to a new city ad they are eating away at my credit score which effects me finding suitable living for my XXXX. My credit score has significantly suffered a loss of 24 points in 35 days despite a payment due to them. This is damaging and I feel the no one should have to succumb to this.
Consumer complaint received 2021-08-14
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: Bread Financial Holdings, Inc. (TN)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

In XX/XX/XXXX we entered a forberance plan with XXXX XXXX. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX. 

" XXXX XXXX '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance. 

Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure.

I've contacted XXXX  XXXX  over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting. 

On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance. 

This situation is making this diffucult time worst.
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

In XXXX we went to this XXXX  because they said they offered XXXX  and my husband needed extensive XXXX XXXX because of my husband 's fear of the XXXX we explained he needed to be under XXXX. They convinced my husband they could do it without XXXX and he would feel nothing. I was concerned that our insurance would not cover it and the office clerk told us we would need about XXXX extra. So I applied for care and was granted the XXXX and we went in and signed the contracts. But it was going to cost more, about XXXX. As soon as we got into the car my husband said to call them and make an appointment to speak with them and cancel everything XX/XX/2021 we gave them a demand letter in person for a refund of the money we prepaid for the XXXX XXXX- XXXX XXXX. This included the XXXX to be credited to our care account. As per the signed refund agreement we told them to subtract the {$500.00} cancellation fee. We did have insurance that would cover the rest. They agreed but never refunded this amount The credit card company told them in XXXX they did not have to refund us- I have documentation of all of this.
Consumer complaint received 2021-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

OnXX/XX/XXXX I tried using my debit card was denied so I tried logging in to my online account with no success so I called in was told my account was being closed they weren't allowing and debits only credits and they reversed several of my payments i had made on the XXXXth and XXXXth. I'ma at a total loss as to why they feel the need to hold my funds for 60 days when they aren't allowing debits to my account. I need my money they are going to cause me to lose my home my car I can't feed my child and they won't provide me with where it states in agreement they are allowed to keep my money from me
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

My credit report shows 7 late payments but the information is not consistent across all Experian, XXXX  and XXXX which is causing me to not get approved for a home loan. XXXX told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

There was a message on my answering machine from a person claiming to be from Amazon saying that there was a suspicious charge of {$4000.00} and that they put a hold on this purchase and wanted to talk to me about it. This call originated from the following phone number listed on caller id : XXXX but this didn't look like a real number and I have no idea how this number could be displayed like this. When I checked my Amazon account there was no such charge and when I contacted the credit card company ( Chase/Amazon ) they said there was no such charge and stated that this was probably a scam/fraud call.
Consumer complaint received 2020-01-09
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)

Today XX/XX/2020 I received a copy of my equifax credit report from my dispute. I am uploading the incorrect information. First off this account has monthly payments each month. It is showing an empty box of no payment last received. 2nd issue isnt the last payment was not on XXXX I make payments every month. Next my balance is not {$4700.00} it is less than that.
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation (FL)

Debt Collector called one of the lines on my phone plan which was not my number. They went into detail and advised I owed {$700.00} for a bill in Pa, that I did not disconnect service and the company did not until 2 months later. I moved in XXXX 2016 they stated XXXX 2016. They argued that they wanted it to be known. This is untrue and embarrassing that they called someone with my personal information and gave full details. I have n't received anything from them.
Consumer complaint received 2021-08-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (FL)

Dear Sirs : We have an FHA Mortgage through Quicken Loans. We have had this property as owner occupied since XX/XX/XXXX with a flawless payment record until Covid-19. Currently, we are under a Forbearance program since XX/XX/XXXX and approved up to XX/XX/XXXX, due to the impact of Covid-19 at our workplaces. We have continued to make partial payments every month as financially possible. Currently, we are in arrears between XXXX and XXXX. 
Unfortunately, we are not yet at the level of income as we were before Covid-19, although we continue to search for work interviews and opportunities and meanwhile would need to lower our principal and interest in order to continue with regular payments after XX/XX/XXXX. 
I contacted FHA to learn about any options available ( XXXX ) via phone call and also received information via email. 
I then contacted Quicken Loans and spoke with XXXX at their Account Resolution Dept. 
I inquired about options including the " Covid-19 Advance Loan Modification '' which must be reviewed no later than XX/XX/XXXX as stated, but XXXX was not aware of this option, that the options I was mentioning do not exist, ( even though I mentioned I was reading directly from the email received from FHA and he simply said our only options were to either accept a Standalone Partial Claim and continue to pay without change to the monthly amount or eventually face foreclosure. 
I offered to send him a copy of the information I received from FHA, but he had no interest. They claim their calls are recorded so this can be confirmed. I later spoke with XXXX from the same department and almost had the same outcome. She proceeded to request a review and I will attach copy of the option they forwarded that was a Partial Claim only. No mention of the Covid-19 ALM. that ends XX/XX/XXXX. 
We greatly appreciate any advice or resource! 

Thankfully!! 
XXXX XXXX
Consumer complaint received 2021-08-14
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: Santander Consumer USA Holdings Inc. (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-13
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: Experian Information Solutions Inc. (SC)

My personal information and negative items was reported on my credit report. From that happening, it caused me to not be able to obtain things I need in my life. Since that has happened, I wasn't able to get my VA certificate to purchase a home, because it made my score go down. It put me in a stressful place in my life while being in the military. From the negatove impact on my credit, now I have to figure out a way to get it fixed.