davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
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: ENCORE CAPITAL GROUP INC. (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine. 

2. Identity Theft 01 XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-03-05
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX Credit Reporting ( File # XXXX ) continues to reinsert information known to be incorrect and previously removed. In fact, XXXX Office of Consumer Affairs XXXX XXXX XXXX XXXX GA XXXX, Sr. Consumer Relations Specialist XXXX XXXX XXXX alongside other representative Sr Representatives have committed fraud by making false statements of correction to both the State of Maryland Division of Financial Regulation ( XXXX XXXXXXXX XXXX and Consumer Financial Protection Bureau dating back to XXXX. 

XX/XX/XXXX XXXX XXXX of the XXXX Office of Consumer Affairs wrote correspondence to XXXX XXXX stating a disputed file for Kohls/Capital One ending in XXXX and XXXX have been removed and not currently reporting within my credit file. This account has now been reinserted with know to be fraudulent information asserting the first missed payment being XX/XX/XXXX. 

In referencing Confirmation # XXXX, the continued claim of correction by XXXX the Creditor Kohl 's Capital One,  unlawfully negatively reinsertion is a practiced targeted correlated attack on consumers. XXXX then blocks consumers from retrieving their reports and maintaining correctness virtual, in an effort to harm the consumer. XXXX has placed a block on my credit file alongside an extended fraud alert without the consumer 's XXXX XXXX XXXX XXXX request or consent. 

I faxed and mailed correction, without response, to XXXX and the creditor Kohl 's Capital One referencing the aforementioned error and demanding immediate correction.
Consumer complaint received 2023-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MSCB, Inc. (IN)

This number belonging to MSCB keeps robo-calling my do-not-call registered cellphone asking for someone else, when I respond " 2 '' that I am not that person a recording plays telling me to call another number to be removed. This is not the first time I've gone through this mess and inevitably they keep calling for someone else 's debt and try to put the burden of stopping their harassment on me.

It's unfair they can harass someone with robocalls and require someone to have spend more of their to call this company back to fix their error. I don't have a debt with you, so you have no right to contact me to the point of harassment in pursuit of that debt.
Consumer complaint received 2023-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX  XX/XX/23, I received a text message at XXXX XXXX from Chase asking if I had made purchases at a XXXX and XXXX XXXX in XXXX, TX using my debit card. I had not as I reside in NY, and replied " No '' to the text message. I immediately received a call from someone claiming to be XXXX XXXX from Chase. During this call, he walked me through the fraudulent charges, and then mentioned a wire transfer for {$19000.00} to a XXXX XXXX account. I told him it was not me who initiated this. 
After this call, I received a fraud notification text message from XXXX noting the {$19000.00} wire transfer to a XXXX XXXX account. {$15000.00} was moved from my Chase savings account to my Chase checking account, then a {$19000.00} wire transfer was made to the XXXX XXXX account. I immediately called the Chase fraud department to report the wire transfer. They took all of the information about the previous text message and call and filed a claim. 
On XXXX  XX/XX/23, I went into a Chase branch at XXXX to discuss the fraud with a XXXX XXXX XXXX. I met with XXXX XXXX of the XXXX XXXX XXXX XXXX, XXXX XXXX, NY branch. He helped change both my checking and savings account numbers and confirmed the fraud claim. He recommended filing a police report, which I did that same evening at the XXXX XXXX Police Department 's First Precinct. 
On XXXX  XX/XX/23, I received a letter to my Chase account denying the fraud claim. The message read " We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account. ''
Consumer complaint received 2021-03-06
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 — Was not notified of investigation status or results
Company: TRANSWORLD SYSTEMS INC (PA)

I was affected by the XXXX  data breach and my identity was stolen. I went through the proper procedures and filed an FTC report with the Federal Trade Commission and I have also filed an identity theft affidavit. Unfortunately, I was not informed of the investigation results and I was not supplied any supporting proof documentation. 

I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore ny such debt, in fact exists.
Consumer complaint received 2023-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I shut down my Bank of America XXXX Account after years of poor service. They did not inform me that this would affect an auto-pay that I had set-up on one of their Bank of America Credit Cards . {$3.00} was charged to that credit card on an exisitng subscription. Because the autopay was closed without my knowing, the payment was past due. Bank of America never reached out to me to try and collect this {$3.00}. Bank of America charged me more than twice that amount in fees, also without informing me. After 60 days, Bank of America reported me to a credit agency, thereby signficantly affecting my credit score. On exactly 60 days due, as soon as I got a notifciation ( from the credit agency, not Bank of America ) that I had a {$3.00} past due pay amount, I paid it instantly. 

Bank of America has meaningfully affected my life and ability to attain a mortgage ( I am home buying ) by reporting me to a credit agency over {$3.00} that they a ) did not reach out to me to collect and b ) cancelled the autopay themselevs
Consumer complaint received 2021-03-06
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. (GA)

The XXXX XXXX XXXX account in the amount of {$5700.00} TransUnion has erroneously reported on my credit profile was Paid In Full and never delinquent in anyway whatsoever. TransUnion has deliberately, knowingly, and intentionally inserted a negative information they know not to be true in order to subvert my opportunity to gain mortgage approval in my quest for home ownership, come end of XXXX, 2021. 

This blatant dishonesty and calculation by TransUnion to hinder my prospect of finally acquiring a home in order to finally move my family, including my special needs fantastic son out of a one room motel accommodation where we've resided for almost two years now is causing me heart wrench  and utter vexation. 

TransUnion must remove their negative information off my credit report and adjust my Scores accordingly with deliberate speed. 

Thank you so much for your anticipated prompt attention to this prevailing issue. 

Yours sincerely! 

XXXX XXXX
Consumer complaint received 2021-03-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

ONLINE COLLECTIONS Original creditor : XXXX XXXX {$390.00} Balance updated XX/XX/XXXX Payment Info Original loan amount {$390.00} Balance {$390.00} Status date XX/XX/XXXX Additional info Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX  XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

This mortgage lender is refusing me a loan modification even though I work and have income and is dragging there feet and adjourning the case to drive up the arrears forcing me in to a bankruptcy to save my home, they have not sent me a statement in 2 years to make a payment ( no monthly payments I am now {$110000.00} in arrears and I offered them {$100000.00} on XX/XX/2018 and they refused they are not allowing me to work things or mortgage out I believe at this time because of my XXXX or my age at this time.as I have tried to work things out over and over, so the fact I get no statements it can only be because of my age or XXXX at this point.
Consumer complaint received 2021-07-20
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. (OH)

I first disputed this account with Experian and informed them that I had already been paid the account off in XXXX of this year for {$820.00} and I then waited for a few months and they still had not made any adjustments to my account and I then contacted them directly and I was informed that the company who had my account needed to contact Experian so I then contacted the original company that had my account common wealth financial and was informed that they would get in contact with Experian to inform them that I had already paid the account off and now I noticed that Experian still has not yet made any changes to my account please help
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

Hello! Good morning I receive a personal letter from Wells Fargo stating that under my name XXXX XXXX, they had to pause my account, due to someone opening it under my name. I do not know HOW they did this, because I DO NOT have a personal checking account with Wells Fargo! It said any further deposits has been blocked.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (KY)

I tried to update my current address with Experian and asked them to remove all others but was denie. 

Current and only valid Address XXXX XXXX XXXX XXXX XXXX KY XXXX
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX, Experian, XXXX. I am in the process of buying a home and I need access to my files asap.
Consumer complaint received 2020-02-05
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: EQUIFAX, INC. (NM)

XXXX XXXX XXXX , XXXX of XXXX, CA XXXX inappropriately obtained my credit report information from one of the three credit reporting agencies despite having been registered on the no-contact/opt-out lists with all three for almost two years now. They used this information to send unsolicited offers of credit to me in violation of the FCRA.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2021 CAPITAL ONE violated my consumer rights as listed below CAPITAL ONE sent a letter stating I owe a balance. According to 15 USC 1692c ( a ) without my prior consent as the consumer giving directly to a debt collector they may not communicate with me in connection with any debt CAPITAL ONE continues to call my telephone repeatedly and continuously on a daily basis to annoy, abuse, and harass me on many occasions. According to 15 USC 1692d ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

CAPITAL ONE sent a letter that I owe a balance. According to 15 USC 1692a ( 6 ) debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose with collection of debt correspondence from CAPITAL ONE had a symbol on the contents that indicates that they are a debt collector and are in the debt collection business. According to 15 USC 1692b ( 5 ) See attached for All of the violations. 
I've sent CAPITAL ONE a cease and desist alone with an affidavit.
Consumer complaint received 2019-01-02
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. (VA)

TransUnion for the second time allowed my apartment complex to open up a New account under my frozen account. First occurrence, I disputed and has been fixed and now for the second time on XX/XX/2018. 
Apartment Rental agreement is with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I did not authorize them or any other company for that matter to open up a new account. This company is a residential, apartment rental company. I did not authorize any one to open up a new account. It's ridiculous to allow a residential company to open up a new account, as if they are a credit card company of some sort. I'll take a legal action against TransUnion and XXXX XXXX if this problem is not permanently fixed. New accounts impact credit score. I don't want my credit report to be ruined for something ridiculous as renting an apartment. I will utilize full force of our justice system to fight back. I will not allow this to stay in my credit report for 7 years. I look forward to your assistance in this matter. Thanks.
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

Wire transfer sent on XX/XX/XXXX to Rushmore loan management in the amount of {$81000.00} .Rushmore says they did not get it. Even if its confirmed. They are holding over {$6000.00} of my money, between escrow and over payment. 
On XX/XX/XXXX received phone call from Rushmore saying I would pay late charges and could be put in foreclosed. Gave agent all information on wire no they did not get it. Called Rushmore today XX/XX/XXXX same run around.
Consumer complaint received 2021-07-20
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: Nelnet, Inc. (CA)

Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX {$3300.00} Loan Amount {$3000.00} It states I was late on payments XXXX, XXXX, and XXXX of XXXX. I continued to go to school so there for I did not have to make payments yet on this loan.
Consumer complaint received 2018-12-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CA)

I applied for a deferment in XX/XX/2018. On XX/XX/XXXX I was approved. I received a billing statement from Nelnet showing a XXXX balance due. As of XX/XX/XXXX I am receiveng calla from Nelnet seeking payment and late charges. I attempted to call but the customer service agent made no attempt to research my claim amd only offered to send me another deferment application even though I told her I had email verifications.
Consumer complaint received 2021-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After multiple of disputes no information provided by the company ( XXXX XXXX ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX . 
I have only received a reply from XXXX that they verified information and its accurate and complete!!!??? Accurate and complete??? As per enclosed Screen Shot last time they verified this account XX/XX/XXXX.It means they never did .XXXX sent me XX/XX/XXXX sent me a post card stating that they can't find me in a system with a bogus explanation, which is basically computer generated " go away, do not bother us no more '' message .Transunion did not even bother to reply ever .Please review all attached documents and Certified Mail Receipts. 
Bellow is my brake down of how the account is reported by the furnisher and all 3 Credit Bureaus : Date account opened : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TR XX/XX/XXXX # of Month of terms : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Balance : XXXX {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TR XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TR XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TR XX/XX/XXXX It means XXXX have never conducted investigation and have never responded to Transunion and XXXX .Tansunion and XXXX have never initiated investigation either. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXX Bank refers to!!!!! How do I even know who this account number belongs to??????? 
To establish the credit file the furnisher must submit the initial contract to all 3 Credit Bureaus, than how this account number belongs to me without my signature????
Consumer complaint received 2021-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (TX)

Trying to collect on unverfied debt while reporting it to credit bureaus as correct. It is effecting my credit and is making life hard to get approved for credit. I have ask them to send me proof or verification on the matter and they have failed to do so.
Consumer complaint received 2021-03-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Farrell Holdings, LLC (AZ)

I sent Prime Acceptance Corp., a letter disputing Under the laws ofArizonaand XXXX Title XXXX as well as State XXXX and XXXX statutes, a deficiencycannotbe claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. '' Prime Acceptance Corp., Clearly was NON Complaint by sending me a response paper ( which completely evaded my question ). I have rights under the FCRA and the Fair Debt Collections Practices Act. Why are these laws set in place if they can be broken so easily? 

Prime Acceptance Corp., needs to answer the initial disputed question Instead of sending a frivolous response ... Under the laws ofArizonaand XXXX Title XXXX as well as State XXXX and XXXX statutes, a deficiencycannotbe claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

XXXX. - EFFECT OF ERRORS OR OMISSIONS. 
XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Prime Acceptance Corp., needs to remove this tradeline from my credit or I'll be filing suite against the company.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I would like to request the removal of my Credit Freeze from all 3 credit reports XXXX XXXX, XXXX, Equifax. I am in the process of buying a home and I need access to my files asap.
Consumer complaint received 2021-03-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (PA)

Citibank, the original creditor closed this account in XXXX, XXXX. It was charged off as a bad debt, they sued me in court and a judgement/lien was placed against my home in XXXX XXXX PA XXXX. 

Suddenly, without notice. XXXX opened a new collection account in XXXX, XXXX. 

I was denied a loan in XXXX due to 2 charged off accounts and subsequent judgments - Citibank and XXXX  XXXX XXXX. I wanted the loan to pay off these judgements since my husband was XXXX of XXXX and I would need to remortgage the home in my own name. 

I feel it is illegal to reopen a charged off account - especially if judgments were already placed against my home. Isn't this double indemnity? 

Please consider this as an unfair practice - the debt has already affected my credit and home.