davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-28
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

" During a phone call on XX/XX/XXXX, you clarified you were not asking for a copy of the Note, but rather you were requesting a document which showed the rights of this loan was transferred from Countrywide to Bank of America. Due to the MERS HELOC Deed of Trust, we are unable to provide a paper Assignment of Mortgage. However, this is public information, and you can contact the XXXX XXXX XXXX XXXX for the Assignment of Mortgage, if needed. For your convenience, we have enclosed a copy of the Deed of Trust and Note. '' Please refer this response above from Bank of America from my last complaint. 

I was not asking copy of the deed of trust and note. I already have those in my file. I again rechecked that XXXX XXXX XXXX does not have any paper assignment recorded from Countrywide to Bank of America when Bank of America acquired this MERS HELOC Deed of Trust as you are mentioning. Also I am not sure whether Bank of America did any assignment to another bank even thru MERS and not by paper when the servicing was transferred to XXXX XXXX XXXX on XX/XX/XXXX. Please disclose that information if any assignment was done to another bank. This information is very important for me as consumer in the context of NRS 106.210 which is as follows : XXXX of assignments of mortgages or beneficial interests in deeds of trust ; constructive notice ; effect of unrecorded assignments. [ Effective XX/XX/XXXX. ] 1.Any assignment of a mortgage of real property and any assignment of the beneficial interest under a deed of trust must be recorded in the office of the recorder of the county in which the property is located, and from the time any of the same are so filed for record shall operate as constructive notice of the contents thereof to all persons. A mortgage of real property which has been assigned may not be enforced unless and until the assignment is recorded pursuant to this subsection. If the beneficial interest under a deed of trust has been assigned, the trustee under the deed of trust may not exercise the power of sale pursuant to NRS 107.080 unless and until the assignment is recorded pursuant to this subsection. 

2.Each such filing or recording must be properly indexed by the recorder. 

So Bank of America is requested to answer specifically as follows : a. Any paper assignment recorded from Countrywide to Bank of America. answer yes or no? 
b. Any subsequent paper assignment recorded from Bank of America to another bank or debt company. answer yes or no?
Consumer complaint received 2022-08-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (LA)

I received a letter from Resurgent Capital Services stating i owe a debt from XXXX for {$21000.00}. First of all, i have no idea what this is about. I sent them a debt validation letter on XX/XX/XXXX. I just received an account summary report/letter from them on XX/XX/XXXX dated XX/XX/XXXX, which basically states the same thing they sent the first time, via mail. Their documents do not give out the full account # as requested to verify any relations to this matter ; just a resurgent reference #. 

The statute of limitations on collecting an auto debt in Louisiana is 3years. The listed origination date is XX/XX/XXXX ; Last payment rcvd XX/XX/XXXX ; Charged off dated of XX/XX/XXXX ; Account acquired XX/XX/XXXX. Today 's date is XX/XX/XXXX, which puts this matter 15years well beyond the legal and enforceable timeline. 

I would like them to delete my name and information from all of their records, cease and desists from ever contacting me or any affiliation of my name and address ever again, as I do not owe this debt. Doing so will violate laws put in place to protect consumers from shady, illegal and unfair practices & tactics like this.
Consumer complaint received 2022-08-16
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. (CA)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2015-10-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX transferred me to his manager pertaining to my account with Portfolio Recover Associates. I received several phone calls from XXXX XXXX XXXX XX/XX/XXXX requesting payment on the account. Per the manager he stated to send him an email at XXXXXXXXXXXX detailing the information that is on my credit report. He stated that Portfolio Recovery failed to notify XXXX XXXX XXXX that the credit card was paid XX/XX/XXXX. I had a coworker listening to the conversation through each of the conversations with XXXX XXXX, XXXX XXXX as well as the managers. I was told that XXXX XXXX was not available to speak with but I could send her an email at XXXXXXXXXXXX. I have called this company more than 12 times. Per the manager, XXXX XXXX did not document that I called in only documented the account. XXXX is the ID number I was given. I repeatedly told the manager that he was on speaker. When I advised him that both companies were attempting to collect on a debt that was paid XX/XX/XXXX he disconnected the call.
Consumer complaint received 2022-08-28
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. (GA)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # 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 can not furnish an account without my written instructions.
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Since XX/XX/22, I have been having issues with these accounts reporting inaccurate information on my credit report. I have submitted numerous letters requesting verification of these accounts. I have not received any updates in regards to this issue. Accounts reporting to the credit bureaus must report XXXX percent accurate. These accounts are as following XXXXXXXX XXXX XXXX  USAA Savings Bank XXXX and XXXX XXXXXXXX XXXX  XXXX 

I am respectfully requesting the deletions of these accounts
Consumer complaint received 2023-07-05
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2022-08-16
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 Credit Bureaus are expected to BLOCK any records recorded on an ID THEFT REPORT # XXXXThe ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ). 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 Credit Bureaus are expected to BLOCK any records recorded on an ID THEFT REPORT # XXXXThe ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ). 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (IL)

I received notice from LJ ROSS ASSOCIATES , INCXXXX about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, XXXX5 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to LJ ROSS on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

again on XXXX XXXX I sent LJ ROSS another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and one again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for Now this is my third attempt reaching out to LJ ROSS ASSOCATES, INC. on XXXX XXXX for the documentation that i requested months ago asking for VALIDATION and VERIFICATION and once again they haven't sent me the proper documentation that I have been asking for. 

1. Account number XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-08-16
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. (AL)

in accordance with the fair credit reporting act XXXX  account # XXXX XXXX, US Dept of Ed account # XXXX has violated my rights.

15 U.S.C 1681 section 1681 section 602 A States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

in accordance with the fair credit reporting act XXXX account # XXXX XXXX, US Dept of Ed account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 1681 section 602 A States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (PA)

This debt was reporting to my credit report since XX/XX/XXXX which is not even mine. I tried to disputed with the bureau keep coming verified, but I dont have knowledge of it. I try to contact the creditor to validate the debt they also failed to validate, then I contacted back the bureau says that they creditor failed to validate this debt, which I request immediate delete of the debt. But they bureau refused to remove the debt, it only XXXX  I think who deleted. On XX/XX/XXXX I sent another letter to the creditor request immediate validation they failed again to validate. Instead of validate the debt, they put a duplicated account again on my credit report ; the same account number, the same amount {$410.00} and change the opened date to XX/XX/XXXX. They have violated my rights to not notify me by sending me a 30 day notice so I can dispute the debt. The failed also under the FDCPA. Information must be correct and 100 % accurate.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (FL)

Purchased XXXX  on XX/XX/XXXX from XXXX XXXX XXXX Financed with PNC bank. traded Vehicle in on XX/XX/XXXX with full pay off with trade in for New Vehicle. Vehicle was not paid off in a timely manner causing a 30 day late payment to show on my and my wifes credit report causing a decrease in score and higher interest rates for all financial needs such as but not limited to Mortgages, new car loans ect... 
I have disputed and provided signed contracts of the trade in but nothing has been fixed as it should be. 
I filed complaints for both XXXX XXXX XXXX as well as PNC bank. 
Disputed with all 3 credit reporting companies and nothing has been done yet.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 Credit Bureaus are expected to BLOCK any records recorded on an ID THEFT REPORT # XXXX.The ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information you provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ). 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$580.00} ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2017-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ASTA FUNDING INC. (IN)

ASTA FUNDING AND XXXX FAILED TO ADHERE TO THE BANKRUPTCY NOTICE, AND WAS RE-INSERTED BACK ONTO MY XXXX CREDIT REPORT. 
THE S.O.L. HAD EXPIRED AND THE CALLS TO MY CELL STOP CALLING. ( 11 CALLS OVER 3 YEARS. 

THEY HAVE VIOLATED F.C.R.A., F.D.C.P.A., T.C.P.A. S.O.L. ETC. 

MORE IMPORTANTLY VIOLATED THE DODD-FRANCK ACT.
Consumer complaint received 2020-02-05
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (NY)

I started off by Attacking Multiple Accounts Found on my credit file Various Accounts were reporting wrong but the one thats was the most obvious to be was the student loans my student loans have been Forgiven for about a year yet hear on I am a veteran of the military my loans were forgiven through a XXXX  discharge. 


FURTHER MORE THE INCONSISTENT HISTORICAL PAYMENT CALENDARS ARE LACKING IN ANY ACCURATE INFORMATION THEY ALL DISAGREE WITH EACH OTHER AND BEING THAT PAYMENT HISTORY IS 35 % OF MY CREDIT CORE IT IS RECOMMENDED THESE CALENDARS TO SHOW PAID AS AGREED NEVER LATE. 

Please marked the Erroneous student loans as paid as agreed never late. CLEAN UP ALL CALENDAR HISTORY TSO IT DOES NOT AFFECT MY PAYMENT HISTORY IN NEGATIVE FASHION. 


DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MAIL ONLY Account type : Installment DEPT OF ED/NELNET XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX MAIL ONLY DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX Account type : Installment U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX   XXXX, IA XXXX Account type : Installment U S DEPT OF EDXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, IA XXXX Account type : Installment US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account type : Installment US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account type : Installment US DEP ED XXXX Account type : Installment US DEP ED XXXX Account type : Installment U S DEPARTMENT OF ED XXXX XXXX XXXX  XXXX XXXX, NY XXXX MAIL ONLY Account type : Installment U S DEPARTMENT OF ED XXXX XXXX XXXX  XXXX XXXX, NY XXXX MAIL ONLY Account type : Installment US DEP ED XXXX Account type : Installment US DEP ED XXXX Account type : Installment
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a natural person, I am a living being, i have rights under 15 USC 1681 Transunion is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed be removed.

According to 15 USC 1681 : I have the right to privacy and I did not give Transunion written permission to furnish these accounts.

15 U.S. Code 1681- Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC. (TX)

I started disputing my credit because I found out i had identity theft/fraud. Muktiple companies have harassed me, impersonated them self as a lawyer, tried bribery, and also has given my information to a friend.