davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glennon Law Firm, LLC (KY)

XXXX XXXX XXXX Bank and their law firm Glennon Law Firm LLC are threatening to sue me in the court of law for an alleged debt. I have notified XXXX XXXX many times over several years that I do not owe them any money and I was a victim of identity theft. I have sent them FTC documents proving this but they are ignoring me and are very persistent in collecting this fraudulent debt. I am a federally protected consumer and my rights under the FDCPA are being violated. I am being harassed and abused. I had a sheriff show up to my home to serve me court papers stating that I may be sued over this alleged fraudulent debt. I am considering suing XXXX and their law firm Glennon Law Firm LLC for harassment and abuse defined under the FDCPA. This debt was not mine. XXXX XXXX sent me a bunch of Account Statements to try and verify the debt is mine but that is not sufficient in the court of law. They have yet to show me where I physically signed any contract or have a physical person witness me apply for an extension of credit. Anyone could have stolen my identity and falsely pretended to be to apply for a card in my name. I also asked XXXX XXXX to show me where I was given a right of recession. Pursuant to the Truth In Lending Act, all consumer credit transactions must be given a right of recession. Although this alleged debt is not mine I was also never given a right of recession. This is a violation of the Truth In Lending Act. I demand that XXXX XXXX XXXX Bank and Glennon Law Firm LLC stop attempting to collect this debt and relieve me of all responsibility. I also demand that they report the accounts as paid in full on my credit consumer reports with no late payments or simply remove the account because they are in violation of the Fair Credit Reporting Act as well.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

I have been trying to get copies of my detailed credit report and score from Experian, XXXX, and XXXX since last year, but neither one of them was willing to send an actual report out to me. I even completed the standard free credit report request form for all three bureaus even though I was entitled to additional copies of my report since I'm in the middle of a credit crisis, but none of them sent me a report. This is unacceptable. I need a current copy of my detailed credit report and credit score from all three bureaus immediately.
Consumer complaint received 2022-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

XXXX XXXX XXXX XXXX sold my debt for pennies on the dollar to a 3rd party Portfolio Recovery Associates LLC without my permission a violation of the privacy act sold my name date of birth social security number first one XXXX  XXXX XXXX  ending XXXX XXXX XXXX for {$2300.00} second one XXXX  XXXX nbr ending XXXX XXXX XXXX for {$6000.00} in addition to my privacy act Portfolio Recovery was in violation of the FCRA and within 5 days did not provide verification of debt. 


They have reported to all three credit bureaus that they own the debt as a collection and report that the accounts are seriously past due. a collection by default is past due. Ive attempted 3 times to get this removed from my credit report. most recent through the bureaus dated XX/XX/2022 with a verification of debt letter that was updated in the credit bureaus but no change and no verification sent to me. 
the credit bureaus repeatedly send to Portfolio rather than deleting the record with clear violations of the FCRA I have never done business intentional with Portfolio Recovery Associates LLC
Consumer complaint received 2018-08-02
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. (MA)

XXXX XXXX falsely placed 4 new items on my credit report. After disputing these accounts 2 were removed and 2 are still being investigated. When Transunion received these false accounts they immediately dropped my score 50 points. After these false accounts were removed Transunion raised my score only 5 points, although this area was not mine. I find this unfair and a violation of my rights.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

There is information on my consumer report that is a result of identity theft. These items are not related to any transactions completed by me and I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Experians process of blocking the reporting information on my consumer report that is a result of identity theft is in direct violation of the law and a violation of my privacy. When submitting my identity theft documentation to the consumer reporting agency, it was communicated that the fraudulent accounts did not meet Experian 's criteria to be removed from my consumer report. When asked what was their criteria, the response from the representative was I can not disclose the criteria or the process that Experian uses. 

This process is unlawful, inequitable, and does not preserve the rights of my privacy as a consumer in accordance with 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Furthermore, it states 15 U.S. Code 1681c2 -Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

In XX/XX/2019 I talked to a rep at my mortgage servicing company ( 5th 3rd ) about getting an appraisal to be able to drop PMI. They rep told me that the amount that my house would need to be appraised at to drop the PMI would be {$350000.00}. When the appraisal came back at {$360000.00}, they said they can not drop the PMI because the debt to value ratio is under 70 %. 
They looked into it and listened back to the recorded conversation and stood by their decision because they say I signed the agreement with this on it. I feel they were deceitful, and should at the very least refund me the cost of the appraisal.
Consumer complaint received 2024-03-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CMG MORTGAGE, INC (TX)

In XXXX of XXXX I was no longer in bankruptcy. I contacted CMG mortgage to try and get a forbearance. I was told there was paperwork I had to fill out through a website that I was sent. In XXXX I was sent a letter stating that they had not received my pay information and I had until XX/XX/XXXX to turn in the information. I logged back on to the website. I realized that I had not hit the submit button. I received a denial letter XX/XX/XXXX stating I did not make enough to cover the loan. I contacted CMG mortgage and asked why was I told I could not afford the mortgage when I was making the payments. The customer service rep I had talked to said that they had not received my paystubs. I then asked if you had not received the pay information how could I be denied? She suggested that I apply again. I applied again and I have submitted all the information through the web portal. The web portal is now stating that I am missing documents, but it does not say which ones. It says general documents. I called and was told to fill out the application again. I am assuming that they are trying to adjust my original loan amount, but my original loan was not done correctly as a veteran that paid to have my points adjusted should not have had a XXXX % mortgage rate in XXXX when the loan rates were as low as XXXX % for VA loans. 

There is also an issue of that some of my payments went to the principal balance and I have tried numerous times to get this fixed. The bankruptcy trustee was sending multiple payments during the months. So, any extra payments would go directly to the principal and interest not to the normal monthly payment. The last person I talked to in XX/XX/XXXX told me that there wasn't an issue with the payments from the bankruptcy department, and that I am missing payments from XX/XX/XXXX till now. I Believe that payments that were submitted by my bankruptcy were not applied correctly. And if my account could be audited, I will not be delinquent 6 months as the mortgage company is stating. Which then means I would not need a forbearance or help of any kind for my home Also I have some documents that were to being and PDF 's that I could not upload.
Consumer complaint received 2019-04-10
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (FL)

My last term at XXXX XXXX University XXXX, I was enrolled in two classes without my consent. I did not register for classes purposely due to a family emergency that took me out of town. Someone at XXXX took it upon themselves to register me for two classes costing a total of {$3500.00} ... account XXXX. Since I didn't register for the classes, I am not paying for them.
Consumer complaint received 2020-02-08
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. (CA)

EXPERIAN displays XXXX XXXX, account no.XXXX wrongfully according to CALIFORNIA LAW.The account is for furniture financing.The furniture was defective and proceeded to fall apart under normal wear and tear.I explained the damage and said I wished to return the merchandise, per contract terms.California 's implied warranty laws were violated and Tempo refused to accept return of the merchandise without charge. 
They offered to settle for XXXX dollars.Since they wouldn't accept the return, I realized they were only trying to extort another {$100.00} with the use of my credit report as leverage. 
SEE ATTACHED LETTER/CONTRACT FROM XXXX/XXXX XXXX
Consumer complaint received 2024-03-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Violations 15 usc 1692C 15 U.S.Code 1692b ( 2 ) 1692b ( 2 ) - states a consumer owes any debt. If the debt has been reported this is a violation of 1692b ( 2 ) as someone is stating the consumer owes a debt within a publication.

15 usc 1692D 15 U.S.Code 1692g ( a ) 1692g ( a ) - This does not validate a debt. This simply is requirement on the debt collector.

Version 2.

AFFIDAVIT Notice, it is a fact, MY CLIENT has reason to believe and do so believes no written notice was received within five days of the initial communication between JEFFERSON CAPITAL SYSTEM and MY CLIENT the affiant as, the first communication received from this debt collector was on the affiants consumer report with proof shown in PICTURE. This debt is unverified, does not follow the requirements and is a violation of 15 U.S.Code 1692g.
Consumer complaint received 2022-04-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit Acceptance Corp has different balances owed for an auto loan on my credit report. I informed them that the information and address they have on file is incorrect. However, after I disputed the account Credit Acceptance Corp marked the account as current status on my XXXX credit report with a different balance than my XXXX credit report but sent new documents to my new address without verifying me and is harassing me and attempting to collect an auto debt.
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. (VA)

Iam a natural person, Iam living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1861! And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give equifax permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card Per documents my credit report has been effected by youll breach
Consumer complaint received 2024-03-25
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (WI)

JEFFERSON CAPITAL SYST Is reporting a collection account on my credit report, I HAVE NO IDEA ABOUT THE ACCOUNT, the balance is {$4400.00} that is reporting on my credit report.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-04-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (NH)

I am being harassed daily by these people for a loan that is not mine but I somehow have the same name of someone they have a loan with. Nothing makes sense because my home phone # is not even in my name so I am unsure of how they even got it. My morgtage is current, my loan has not been sold. They are fraudulantly claiming that they have purchased my loan and I am behind and in danger of foreclosure. 

I am attaching the 5th attempt that I have now done in writing to get them to stop. At this point I need assistance.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. 

Bankruptcy Chapter XXXX Discharged - - Court US BKPT CT GA XXXX XXXX - Reference XXXX - - Responsibility Individual
Consumer complaint received 2019-03-18
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. (TX)

Equifax and XXXX are reporting me 30 plus  days late on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. It is impossible to be 30 plus days past due on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have contacted the two bureaus to fix this.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (CO)

Bank of the West clearly has no fraud prevention in place. My account was scammed with the same {$19.00} ( {$19.00} for the last one ) charge to XXXX XXXX or something 9 times. This resulted in my account being overdrawn, and they have charged me crazy fees for this. They also charged me a fee for check being cleared and then put on hold by them, even though they sent letter saying they wouldn't. After speaking to them, they did not reverse the charges or remove the fee! I'm out hundreds of dollars from the theft and the fee for the theft causing an overdraft fee. The only different event I used my card for was the ATM at bank of the west. Now I can't put gas in my car, buy food, nothing until my next check as they allowed me to be robbed and then robbed me with fee!
Consumer complaint received 2023-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OH)

Date opened XX/XX/XXXX Last Activity XX/XX/XXXX XXXX this collection was paid off settled- Less than full balance Collection Agency : ERC XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

Equifax is being reporting my information wrong or information is missed several times. I have tried to use the web site and call by phone several times and they are not able to verify my identity. 
I have sent letters with documentation and they haven't answer. I phoned again and they keep saying they can't verify my identity. 
I'm missing at least three accounts. 
I can see in my report obtained through XXXX of the three bureaus, that Equifax corrected some info ( not everything ), but still when I phone of try to use to check things over the website, they say they can't verify my identity. 
The couple of times they asked me questions to verify my identity, they asked questions about loans and mortgages I never had and they say I'm not answering correctly. 
They just placed a dispute over one of my accounts in XXXX XXXX, I didn't request, and they are not opening the dispute I do request over the account in XXXX XXXX. 
They are not including my employ information even I have sent to them already my payroll doc.
Consumer complaint received 2023-03-21
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. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 

Date of Last Activity/Account Status/Date OpenedDate of last a I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, Experian all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand vou delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

XXXX XXXX XXXX XXXXXXXX XXXX Thank you,