davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-02
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. (CA)

I tried to work this out with XXXX XXXX XXXX XXXX and they are unwilling to even respond. I am the victim of identity theft. Per the FCRA they are required to validate the debt they have said I owed and have not done so. I disputed through the credit bureaus already and they credit bureaus have come back saying XXXX has verified the debt. Verified and validate are two different things. Verify could mean they answered the correspondence the bureaus sent them and said the debt belongs to XXXX XXXX. Validate means to bring facts to the table XXXX my signature on a contract thats actually my signature would suffice ). XXXX then sold my debt to XXXX XXXX and after telling XXXX they are chasing a fraudulent debt they have decided to take their name off of it which was a smart move. XXXX has not provided me any validation nor did they send me any proof of an investigation. By law they are required and for that they are officially on notice.
Consumer complaint received 2019-11-04
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (NY)

The creditor listed as Convergent Outsourcing , Inc. has listed an account as a new collections account, causing a derogatory  mark on my credit report. This debt has already reached the statute of limitations in NY and has been removed from my credit report previously. This is an old debt that is being reported as a new debt. 
This debt collection agency knew that this was on old debt and did not disclose to me any of the following information : Tell me, that the statute of limitations may have expired ; Tell me, that it is a violation of the federal FDCPA ( Fair Debt Collections Practices Act ) to sue to collect a debt for which the statute of limitations has expired Tell me, that you do not have to admit to owing the debt, promise to pay the debt, or give up your rights regarding the statute of limitations Tell me that, if you do admit to owing the debt or promise to pay the debt, then the statute of limitations my restart so that the debt collector can sue you on that debt. 

Also, it reported that this debt was opened on XX/XX/2019 ... I have not received any letters ( bills ) or contacted in regards to this account being opened. I also did not recived any past due letter for not paying for 60 days, 90 days or 120 days. it was just reported to my credit report on XX/XX/2019. 

I was contacted over year ago by the company. The representative was extremely rude and kept threatening to place this on my credit report, even though I told him it had already past the limitations and could not be reported. He was nasty and told me watch them report it and hung up.
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OK)

made payments to Rushmore and they statd payments sere never receivec. chase shows online payments sere made. XXXXXXXX XXXX  foreclosure on this house without any legal notice. I never knew that XXXXXXXX XXXX  had any legal interest on this loan. My mortgage was sold over five times.Since the house is foreclosed and sold. This effects our credit score and reports
Consumer complaint received 2019-08-02
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. (CA)

I tried to work this out with XXXX XXXX XXXX XXXX and they are unwilling to even respond. I am the victim of identity theft. Per the FCRA they are required to validate the debt they have said I owed and have not done so. I disputed through the credit bureaus already and they credit bureaus have come back saying XXXX has verified the debt. Verified and validate are two different things. Verify could mean they answered the correspondence the bureaus sent them and said the debt belongs to XXXX XXXX. Validate means to bring facts to the table ( my signature on a contract thats actually my signature would suffice ). XXXX then sold my debt to XXXX XXXX and after telling XXXX they are chasing a fraudulent debt they have decided to take their name off of it which was a smart move. XXXX has not provided me any validation nor did they send me any proof of an investigation. By law they are required and for that they are officially on notice.
Consumer complaint received 2022-07-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP (MS)

Republic finance has repeatedly added fraudulent fees to my account. This account has been closed for 3 years and some but yet every month the credit bureaus alert me that they are adding fees to my closed account I'm looking into this with my attorney because it seems to be fraud. I would like it corrected to the right balance and no more fees added monthly or I will be forced to seek legal actions and go to the XXXX XXXX to file proper charges. After the accident I'm just now starting to work again to pay my old debts but I can't stand by and let the companies ad fees every month that I don't owe. My initial loan balance was {$3100.00} now it has jumped over XXXX since the loan has been closed this is wrong and should be corrected.
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-11-04
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. (IL)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX  XXXX XXXX never late XXXX XXXX not mine US DEPT OF EDXXXX XXXX not mine PUBLIC FILINGS BANKRUPTCY CH-XXXX DISC  XXXX not mine
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MO)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-11-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (MD)

I wrote a letter to each credit bureau and had it notarized and sent certified mail. The letters were received by XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX  on XX/XX/XXXX. The letters requested from the credit bureaus that physical verification of the debt from EOS CCA be collected by the credit bureau and sent to me, verifying the debt per the FCRA. If they do not send the physical verification requested to verify the debt within 30-days, EOS CCA must immediately stop reporting this debt to the credit bureaus. Today is XX/XX/XXXXand EOS CCA has not complied with the demand to send the verification of the debt to me or the credit bureau and has not stopped reporting this debt at any of the credit bureaus.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMERCE BANK (MO)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-06-25
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. (TN)

The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX XXXX XXXX ( duplicate entry ), XXXX XXXX XXXX XXXX, XXXX XXXX ,
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

On XX/XX/2019 Equifax dropped my credit score by 29 points due to an a late payment alert on XXXX XXXX XXXX. This account was closed, paid in full, in XXXX of 2019 so there was no payment to have even been made. I contacted Equifax about the issue, and on XX/XX/2019 my score was only updated one point! As this was an error on their part I should have received all 29 points back. Equifax hung up on me, refused to let me speak with a manager several times, then told me I had to pay {$7.00} if I wanted to know my credit score. The same issue happened with Transunion, but they updated my score to the original number immediately. After going in circles and getting no where I am hoping you will be able to get my score updated back to the original score before XX/XX/2019 when it was dropped 29 points. I spoke with XXXX ( employee # : XXXX ) and XXXX ( employee # : XXXX ) from Equifax who were the most rude and unprofessional people I've ever worked with. Please help to fix this error as I shouldn't be punished for their mistakes.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Exquifax credit score of XXXX is to low. My Credit Score should be XXXX or above. I feel they are Discriminating against me because I am XXXX XXXX.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2019-11-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

On XX/XX/2019, we received notification from Rushmore in that our mortgage assistance request was denied. However, the lender failed to comply with certain requirements pursuant to treasury Loss mitigation requirements. Currently, the only loan modification option is the Standard loan modification. lenders must performed an evaluation which is refer in the guidelines as to the NPV report in order to make an adequate assessment. The lender failed to provide a copy of the appraisal, per Federal guidelines a homeowner is entitle to receive. In addition, per treasury guidelines, lenders must provide detail information as to why the negative NPV results. We are under the impression that the lender never processed the loss mitigation request and is the reason no appraisal was conducted. It is obvious that the lender acted in bad faith while ignoring all loss mitigation Federal Rules.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine US DEPT OF EDUCATIO XXXX not mine XXXX XXXX XXXX XXXX not mine PUBLIC FILINGS BANKRUPTCY : DISC CH-XXXX XXXX not mine
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NC)

I recently signed up for Chase bi-weekly mortgage payments as Chase advertised that I would " Save money '' and " make an extra mortgage payment '' each year. Both statement are inherently true : if you make an extra mortgage payment you will save on interest. 

What Chase does not tell the customer ( me ), is that they are not applying your bi-weekly payments to your mortgage Chase is withholding the first bi-weekly payment ( assuming in a non-interest bearing account ) and then paying your normal monthly loan payment once the second bi-weekly payment is received. The customer is " saving '' because there are 26 bi-weekly payments ( 52 weeks ) in a year vs. paying twice a month or 24 payments for 12 months. 

I believe there is possibly a TILA issue and a UDAAP issue here. First, my mortgage payment is not being applied to my account upon receipt. If I pay my mortgage bi-weekly, the funds could/should be broken down to principal, interest, and escrow, thus, reducing the principal amount every 15 ( or so ) days. If my principal amount is reduced bi-weekly, then my interest amount would/should be reduced bi-weekly. Over time, the amount of interest I pay would be reduced by # 1 the extra payment each year AND # 2 the interest savings from the bi-weekly payments. Currently, the only benefit to bi-weekly payments is making an " extra '' payment due to the number of weeks in a year. 

Secondly, I believe the bi-weekly payment marketing is misleading ( UDAAP ) as I was not aware that Chase would be withholding my bi-weekly payment until the second bi-weekly payment is made. There is potential that Chase is putting my funds into an interest-bearing Chase-owned bank account while they wait for my second bi-weekly payment, thus making more money in interest. By making bi-weekly payments, I forego the opportunity to earn interest on the money I give to Chase. Had I known that Chase would not apply my bi-weekly payment when it was received, I would not have signed up for bi-weekly payments as there is no principal and interest reduction value for the 15-16 days it sits in a Chase account. 

I called Chase on XX/XX/2019 at XXXX XXXX  EST and spoke with XXXX XXXX who listened to my complaint. I asked that my complaint be brought to the Office of the President. I also stated I would file a complaint with the CFPB. 

Please see below steps 1-5 for information regarding my mortgage payment history. 

1 ) XX/XX/2019 paid monthly mortgage payment ( {$1900.00} ) 2 ) XX/XX/2019 paid monthly mortgage payment ( {$1900.00} ) 3 ) XX/XX/2019 paid bi-weekly mortgage payment ( {$1000.00} ) - unapplied to account 4 ) XX/XX/2019 paid bi-weekly mortgage payment XXXX {$1000.00} ) - unapplied to account 5 ) XX/XX/2019 Chase utilized bi-weekly funds ( {$2000.00} ) to make regular payment of {$1900.00} plus {$16.00} extra principal. 

6 ) XX/XX/2019 paid bi-weekly mortgage payment ( {$1000.00} ) - unapplied to account
Consumer complaint received 2019-11-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (NJ)

I received a notice dated XX/XX/2019 from Professional Account Management , LLC. Original debtor is XXXX XXXX XXXX. 

The XXXX XXXX system is very flawed. I could have sworn that this amount was taken care of, after I disputed via the forms of the amount they were attempting to collect originally. 

The violation fees were waived and they deducted the remaining amount of the actual toll from my XXXX XXXX balance. I am disputing this entire amount sent from the collection agency in the amount of {$200.00}. 

They are threatening to suspend my license plates as a result, if I fail to respond to them.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On the morning of XX/XX/2022, I received a credit monitoring alert of a hard inquiry on my credit report from XXXX XXXX Bank. I immediately called the company but was told I would have to call back because the " team that handles this was closed for the day. '' I called again on XX/XX/2022 and the associate confirmed that someone had submitted a credit card application using my maiden name and address I left 4 years prior. She said they would immediately close the card as fraud, and it would be removed from my credit report within 30-45 days. The inquiry was still on my Transunion report after that time, so I created an account with XXXX and mailed a dispute letter to the XXXX XXXX Bank on XX/XX/2022. I received a letter from XXXX XXXX today stating that the application has been withdrawn and will not be processed further. However, the hard inquiry still appears on my Transunion credit report. XXXX XXXX Bank did not have a permissible purpose to access my credit report, and I want the inquiry removed.
Consumer complaint received 2019-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Kabompo Holdings, Ltd. (FL)

On XX/XX/2021 I requested PAXOS send {$60.00} in XXXX  crypto currency from my account to my account with another crypto currency company. Since that time PAXOS has refused to complete the transaction, making up ridiculous " additional information required '' reasons to not complete the transaction such as asking where I got the {$60.00}, why I bought XXXX, what I plan to do with the money, etc. etc. I cooperated with their unreasonable requests to this point and now they are just ignoring me.
Consumer complaint received 2020-09-24
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. (OR)

XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OR XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents