davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (FL)

I received numerous amount of letters started XX/XX/2021 about a medical bill saying that Ive visited their department or a 3rd party department owing ( {$2100.00} ) which is incorrect, I havent been to a hospital in over 10 years I have my once a year check up with my doctor which is covered by my 15 years of medical health insurance. I contacted the collectors asking if they could validate the information because I dont have any idea how this could have happened. I have also asked the collector to show me documents of the initial visit or whatever information they having claiming was me, I sent a few letters to the collector throughout the months as well as one to the credit bureaus, As results was not received in a timely manner i received a notification about 50 days later from the credit bureaus that my file had been update only to find out it stated all information was correct, That is definitely false information because it was not me, I received not one letter in the mail about an investigation or about information being validated, I dont know who they think they are but I would know if Ive ran up a bill Im a responsible adult not a child I always pay my bills, I received no letter or response back from them personal showing me that I initiated the response. Its been months since I last reached out to them, I had a lawyer advised me to file a complaint with you guys to get to the bottom of this.. Thank you for taking the time to read this!
Consumer complaint received 2019-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I was shocked when I reviewed my credit report and found XXXX  days late payment on the dates XX/XX/XXXX, XX/XX/XXXX and XXXX  days late payment on the dates XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Law Office of Carl Brugnoli (MA)

On XX/XX/2023 I received a letter in the mail from debt collector Carl Brugnoli, Esquire about a debt of {$3300.00} to XXXX XXXX, XXXX. 

The letter states that the office of Car Brugnoli has a capias warrant for my arrest if I do not contact their office and make payment within ten days.

This is my first contact with this office and no other information regarding my rights to information or option to dispute was given. The initial debt is from over 20 years ago and I have not heard anything about this debt or made payments in over 10 years. This debt is undoubtedly time-barred and I have not been served nor failed to appear in court to justify the capias warrant threat. This letter is most certainly a scare-tactic with the intent of partial payment to to renew the case from being time-barred and legal leverage.

Furthermore, with this letter being the first and only contact with this firm, the attorney neglected to inform me of my rights in the matter.
Consumer complaint received 2022-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

They have reported my payment late for XXXX, XXXX, XXXX, and XXXX of 2021. I filed BK and I reaffirmed this loan and made all my payments on time. They need to update my credit report ASAP this is hurting my credit score and I was not late.
Consumer complaint received 2021-04-14
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. (NY)

THIS IS MY THIRD TIME WRITING THESE AGENCIES. I AM TIRED OF WRITING XXXX, EQUIFAX, XXXX  ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (UT)

6 months ago a collection agency named mrs. Bpo reported a XXXX dollar debt to my credit report all 3 bureaus I've never heard of them they never gave me the right to dispute they just put it on my credit. It's not even mine. There's no account number on credit report either. They have no information on the debt at all and are not willing to remove it.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UMB FINANCIAL CORPORATION (NY)

I have a XXXX spending account card issued by UMB Bank, N.A. The monthly spending limit on transit ticket purchase is {$250.00} dollars. On XX/XX/XXXX, I used the Visa Debit card to make two purchases of {$90.00} each, both transactions went through and processed on XX/XX/18 ( see statement ) ; on XX/XX/XXXX, I tried to make the purchase of {$75.00} dollar, the transaction was denied, the message on the MTA vending machine was '' transaction denied, contact the card issuer ''. I called the card issuer and reported the problem, the customer representative told me that the transaction didn't go through and asked me to wait 7 days and they sent me an email to confirm it on XX/XX/18. After 7 days, on XX/XX/18, I tried to make the purchase of {$75.00} dollar, transaction was denied, same message came up, so I call the card issuer again reported the same problem, the customer representative set up a case and told me they need 2-3 business days to resolve, so I waited another 3 days, tried to make a purchase on XX/XX/18 and XX/XX/18, the problem still remained, so I called again, they asked me to wait another 3 business days to investigate. they already see my account have balance of {$200.00}, and I still have {$75.00} dollars to reach my monthly limit of {$250.00}, no one can help me solve the problem, I even requested to speak to a supervisor, the problem remained. As the timing is critical on these kind of account, if I don't use the funds within a month, I will lose it, because next month I will have another contribution of {$250.00} to use. They should provide a credit {$75.00} to my account for me to use within XX/XX/XXXX.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I applied for a refinance on my loan with Nationstar mortage. I have great credit and have been paying mortgage since 2009. I applied for a refinance and they kept telling how great my credit and loan was going but they kept asking for more ridiculous stuff. They wanted to know why my empty lot didnt have insurance. I am divorced and they wanted information on properties that were my exhusbands. There are no loans on those properties. He hasnt taken my name off his properties. They called the bank that has a loan on my ex property but my name is still on it 3 times.They kept asking for the balance and whether he has late on the account for last year. I have a saving account that has other savings under it. I keep most of my money in one of those. They said they needed proof that it was a savings account and not a loan. I sent them bank statements but that isnt enough.They changed what the cost of this loan would be from XXXX to almost XXXX.. They changed the loan amount of the loan by increasing it XXXX more and they said that was the true loan amount. It was supposed to be for {$140000.00} and they made it for XXXX. I complained to the loan officer and he changed it after much discussion. I had an escrow account for taxes and insurance with them and they said they needed to add the total fees to my loan costs and they couldnt use what was in my escrow account which is for that. They said I had to pay them the cost of mortgage for month of XXXX while we completed the loan because I would miss a house payment. I told them Im paying off my old loan and the new loan will have payments on it that are required. I didnt understand why except that they wanted money from me. Usually you dont pay rent while in escrow.
Consumer complaint received 2018-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

I received an alert from my credit report saying a new account had been added. I checked my account and a company named convergent placed an account for collections in the amount of {$71.00} on my credit report. Not knowing this company I sent them a debt validation letter via certified mail on XX/XX/2018. The letter had been received and signed for. In response I was sent a bill. I sent a second letter again via certified mail requesting validation of this debt on XX/XX/2018. This letter had also been received and signed for. As of today I have not received and information from Convergent to validate this debt and it is still on my credit report.
Consumer complaint received 2019-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2021-07-16
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. (GA)

AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE ONE FRAUDULENT ACCOUNT REPORTING ON TO MY CREDIT REPORT. ONE IN WHICH IS " XXXX XXXX. ''. WHICH IS A VIOLATION ACCORDING TO FCRA ( 15.U.S CODE & 1681 ( A ) )!!!!!!!!!!!!! 

WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 
WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS ILLEGAL TO REPORT FRAUDULENT INFORMATION ON MY CREDIT REPORT.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX FORGED my signature on a loan that's reporting on my Credit Report making this Contract " Null '' none valid.This Deceptive practice is unlawful ; According to Texas Statues PENAL CODE Title 7- Offenses Against Property Chapter 32- FRAUD. I discovered this in a letter I requested from them XX/XX/2019. I've attached is the letter. 

XXXX XXXX XXXX was also reporting inaccurate erroneous information to the 3 major credit Bureaus. I sent them copies of all 3 credit reports verifying their inaccuracies..I sent them certified letters asking them to VALIDATE this information they have not. They also did not respond in 30 days which is another violation. They also sent me a letter admitting they were reporting inaccurate information. They never reported payments made on my behalf by XXXX and GAP insurance. 

Attached are copies of Certified letters I sent them, letters admitting they reported inaccurate information, and my amortization schedule showing payments made by the insurance companies.
Consumer complaint received 2019-09-14
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. (TX)

XXXX XXXX XXXX FORGED my signature on a loan that's reporting on my Credit Report making this Contract " Null '' none valid.This Deceptive practice is unlawful ; According to Texas Statues PENAL CODE Title 7- Offenses Against Property Chapter 32- FRAUD. I discovered this in a letter I requested from them XX/XX/2019. I've attached is the letter. 

XXXX XXXX XXXX was also reporting inaccurate erroneous information to the 3 major credit Bureaus. I sent them copies of all 3 credit reports verifying their inaccuracies..I sent them certified letters asking them to VALIDATE this information they have not. They also did not respond in 30 days which is another violation. They also sent me a letter admitting they were reporting inaccurate information. They never reported payments made on my behalf by XXXX and GAP insurance. 

Attached are copies of Certified letters I sent them, letters admitting they reported inaccurate information, and my amortization schedule showing payments made by the insurance companies.
Consumer complaint received 2019-05-24
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. (CA)

Simply can not get Experian to correct false names, addresses and fraudulent accounts attached to my name. Can not reach a human operator and can not access website dispute due to them allowing a fraudulent person to open an account with them in my name. 

How is it that a credit bureau can be so inept!
Consumer complaint received 2019-05-24
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (FL)

My complaint is against XXXX XXXXe XXXX. The company has Not forwarded a disbursement request of {$43000.00} made by my mother from her HECM Home Equity Account before she died. 

My mother wrote to XXXX XXXX  XXXX ( on the fund release form ) asking for {$43000.00} that was in her Reverse Mortgage equity account to be transferred to her bank account on file with them ( I have a copy of this correspondence ). 

My Mother had a Reverse Mortgage ( HECM ) with XXXX XXXX XXXX XXXX   XXXX. In autumn 2017, XXXX XXXX XXXX bought her loan from XXXX XXXX. 

Writing in - on the fund request form - is her usual way to request disbursement of monies from her reverse mortgage Home Equity account. 

My mother made this monetary request {$43000.00} as part of her 'putting her affairs in order ', whilst she was in hospice-care when the doctors told us she had weeks to live. 

After my mother 's death ( + probate/when I received access to my mother 's accounts ) I contacted XXXX XXXX XXXX, to query when the monies would be disbursed to her bank account. The money never arrived. 

I was told by a XXXX XXXX 'phone agent ' that they have a 'different policy ' to disburse monies from a XXXX XXXX XXXX Equity account. " Different ''??? 

I have asked XXXX XXXX XXXX rep XXXX XXXX ( via email ) - several times over several months for the name of the person at their organisation who can assist me / discuss this disbursement issue. 
I have had No response, from a manager/director at XXXX XXXX  XXXX pertaining to this matter. 

I am asking that XXXX XXXX XXXX respects my mother 's disbursement request, and send us the {$43000.00} that is in her Home Equity Account. 

In conclusion, 1. When a company takes over a client from another company - if they have a policy shift, it's mandatory to advise the client of this change. 
XXXX XXXX XXXX did not tell us anything - They are just holding her/our money. 

2. When dealing with the elderly, putting information on paper ; getting her to sign a document outlining how she gets access to the money in her Home Equity account is important ( if they have a policy change ). This would allow her to act accordingly. 

Not doing so, takes away her Right to get access to her home equity funds {$43000.00}. 
This is Unjust. 

I am asking that XXXX XXXX XXXX respects my mother 's disbursement request, and send us the {$43000.00} that is in her Home Equity Account.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$140.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

On XXXX XX/XX/2018, I made an online payment with Citibank for my Universal Card. I  received an email with confirmation number XXXX that the payment was made successfully. I owed {$2.00} and paid {$3.00}. Citi said the payment confirmation is a " pending '' or something like that, which is not stated on the confirmation. 

On XX/XX/2018, I received an email from Citi requesting a call to them about collecting a debt of {$25.00}, which was the {$2.00} plus a {$25.00} late fee. They said my bank XXXX could not process the payment because the account number was entered incorrectly or something. 

I went to the website to determine what was going on, but it would not let me proceed to any screens without making a payment, despite the fact that I was disputing that I owed them any money. I called them but could only get their debt collection section not regular customer service. Debt collection could only process payments and not address any other issues. 

I recorded the phone call with citibank and spoke to 3 different employees. I requested they not call me about late payments. I was told their policy is that they would not call me about anything including fraud. I stated they could not place me on a blanket do not call list because I wanted fraud protection and that they were required by federal law to protect my card from fraud. They refused. I was told they could send text alerts about fraud. I was told they could not guarantee that I would not text about other issues, when I asked about receiving texts only for fraud. 

I requested a copy of this policy and was told they did not have to provide it as a matter of Georgia law. I stated they did have to as a matter of Federal law if they are breaking the law. 

I asked about removing the late fee, when I had a confirmation that I had paid. They refused. I said that was a violation of the credit reporting act. I said it was a violation of State of Georgia law as well. 

I tried to review the data online but their site did not allow me to do that nor edit the data, so I added the account again and paid them the minimum it would let me pay which was {$5.00} on XX/XX/2018. They said they make the phone call so the account is not past due, but they did not call me until the account was 6 days past due. 

I should not be forced to pay any disputed amounts, until a determination about what happened and how it happened is completed.