davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (MI)

Your company has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. Your company lacks a bonafide and meaningful  relationship with me, meaning your company is NOT a party to any consumer credit transactions Ive executed, therefore, any and all unauthenticated information furnished by your company to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, your company failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, your company failed to send, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that your company is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from your company, I sent your company a notice of dispute more than 30 days ago, and requested that your company provide me with procedurally proper verification/validation of the alleged debt in the form of substantively admissible evidence, including, but not limited to, properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that your company responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously deny such a statement and respectfully request that your company provide me with the name or names of the person ( Natural ) or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough. *So as to avoid any potential issues, discrepancies, and/or confusion, a screenshot of my consumer report containing the alleged ( but unrecognized ) account number, as well as the name of the collection agency who furnished the negative information about me, has been uploaded to this complaint as an attachment. ( See below )
Consumer complaint received 2022-09-26
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. (IL)

Equifax has broking the law again the same account has been put back on my credit profile XXXX XXXX ( LATE PAYMENT ). I filed a complaint on XX/XX/2022 and Equifax removed the account now they put it back for some reason. the complaint number is XXXXThey continue to violate the FCRA. Pursuant to 18 usc 8 I own no debt. Equifax violated my consumer right to privacy pursuant to 15 usc 1681b2 Equifax has no permission to report ANYTHING using my information pursuant to 15 usc 1681A. The accounts in question is XXXX XXXX  ( LATE PAYMENT ) Me being the Consumer my rights have been violated and I want that late payment removed immediately.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

I did not authorize my card to be charged by XXXX XXXX XXXX for {$2.00}, XXXX, and I told and have given police and identity theft report also company charged debt off to other debt collectors and they have been harassing me and creditor is still seeking payment with other debt collectors and thats unlawful and they have this information. I have also asked for verification of my authorization this transaction and they have not given me that! And the reinvestigation did not seek valid proof or information about this account
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Upon reviewing my consumer report i recognized some inaccuracies on my credit report that have hindered my ability to extend credit. According to Congress of the United States pursuant to title 15 USC 1781 an inaccurate and unfair credit report directly impairs the efficiency of the banking system undermines the public confidence which is essential to the continued function of the banking system. I require the 2 fraudulent collection accounts on my consumer report by XXXX XXXX XXXX opened XXXX XXXXbe deleted and removed immediately and its fraudulent and innacurate nature is very damaging to my reputation, My Consumer rights have been violated and this unfair reporting has hindered me from enjoying the pursuit of happiness as gauranteed by the constitution in accordance with FCRA 650 title 14 USC 1681c-2 Block a consumer reporting agency shall block the reportingof info on a consumerr file that identifies as resulting from identity theft. I require this account be removed immediately
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

Hello, I worked with XXXX XXXX at CIT ( www.cit.clm ) to get a mortgage ( loan ID XXXX ). We were not able to close. He told me that he is going to refund my application fee of {$500.00} ( I have an email from him showing his promise ). However, he didn't. I put a stop on the credit card payment. However, CIT is disputing this and my credit card company is not responding to me. They have already taken the money out of my account. Kindly help. 

The company is called OneWest Bank, a division of CIT Bank, N.A. located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-17
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX  UN Reported : XX/XX/2019 - {$10000.00} Closed CHILD SUPPORT Reported : XX/XX/2019 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (DC)

US Bank has lied about of interest i was overcharged and am including proof. 
I received three notfications of over paid interest totaling close to XXXX yet US Bank has not sent a check for any amounts despite telling me on the phone that they would. 
This is not acceptable. They cant steal and get away with it because they are a bank. 
I want my money refunded via check to my address.
Consumer complaint received 2019-10-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (MD)

OCWEN LOAN SERVICING and XXXX XXXX XXXX are foreclosing on my property 1. the case is still active in the appeals court awaiting response 2. there is a hearing on XX/XX/2019 in state court and XXXX is foreclosing on XX/XX/XXXX 3. OCWEN BECOMES PHH in XX/XX/2019 While WE WERE IN litigation 4. statements of offer to pay are coming from PHH  5. PHH would not tell me who they are THEY ONLY WANT TO CONSPIRE TO TAKE MY PROPERTY. 
4. PHH/OCWEN would not respond to any offer of settlement.

5. PHH/OCWEN would not offer any modification or any type of settlement so me and my family can stay in our home.
Consumer complaint received 2017-06-02
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. (TX)

On  XX/XX/2017   , I disputed the unauthorized inquires on my credit report as fraudulent and unauthorized. Within  24  hours, I received a reply from  XXXX  stating that the inquires are accurate and a factual record of the files accessed. However, they did not complete any investigation to verify the inquires. I have had my identity stolen 3 times within the year and these inquires are not mine. I would also like to mention, that none of these inquires are tied to a positive or negative accounts on my credit report. I have attempted to contact all the companies to have the inquiries removed and all the companies referred me back to the credit bureau as they have no active accounts tied to me name.  <P/> I have requested that the following inquires be removed :  XXXX   XXXX   XXXX   XXXX  An Inquiry that is tied to no name at all  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2019-10-17
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Closed XXXX XXXX Reported : XX/XX/2019 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Spoke with Mr XXXX today from Experian. Contact XXXX XXXX XXXX I stated I would about account. 
After careful investigation Ive discovered XXXX not only refusing to provide a payout certificate they were fraudulent posting payments to reage Credit date from last payment date of XX/XX/XXXX to XX/XX/XXXX. As you can see this blatant disregarding of any working relationship You have with XXXX and a criminal not civil act. 
Im asking for immediate deletion internally because in blatant reage of credit Ive provide copies of claims below thanks Ps should be 3 attachements
Consumer complaint received 2019-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

A false collection was listed on my credit report for XXXX XXXX, however I have never had any business with this company. I had made four attempts to contact the collection agency and I was hung up on once, and then told to email my dispute and that they would get back to me, however no one has responded. The collector is Pro Collect and the email address I was given is XXXX. 

In addition, I have never received anything via mail or otherwise saying that this account existed and that there were attempts to collect. This is false.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

Chase bank notified me to state that my account is inactive and unless I took action ( sign a form they gave me or made a deposit/withdrawal ), then my account would be treated as abandoned and my money would be taken from me via the escheatment process. 

However : the account is actively used. Every month, ( XXXX ) I transfer money in and ( XXXX ) rent is paid to the landlord via XXXX. 
This has been my process for months. 
The problem is that Chase does not consider ( XXXX ) and ( XXXX ) to be evidence of the account being used. 

To resolve this, I called customer service ( and got the answer above regarding their definition of " active '' ). I think that's abusive and unfair. So I asked to speak to a supervisor. The supervisor gave me the same answer. I ask how I can escalate. Customer service supervisor said to write a message via chase.com. 
I did that and got the same answer. 

Chase does not seem to understand that I disagree with the definition they provided of what makes an account " active ''. 
I know they want me to sign a form. 
I know they want me to use an ATM But I want the rules to change. 
Does chase set the definition of " inactive '' or does a regulator?
Consumer complaint received 2019-10-17
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. (SC)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE AND REINVESTIGATE SO THEY CAN BE IMMEDIATELY REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED SERIOUS HARDSHIP TO MY FILE.
Consumer complaint received 2019-10-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

Am current on all medical provider bills, hospital bills, ER visits. Out of the blue ( XX/XX/2019 ) started receiving daily or more frequently automated phone calls with generic voice recording stating that I owe an unspecified amount of money. 1 hard copy letter came in mail, from HRRG ( Healthcare Revenue Recovery Group ) stating I owe {$210.00}, but provided no substantiation for this. Phoned my healthcare and insurance billing ( for both offices visits and hospital services 2 different billing offices ). My accounts show no outstanding amounts for anything, including emergency medicine. The amount HRRG is claiming is owed is fairly close to an amount ( grouped into a long list of other charges ) that was paid ( co-pay ) 6 months ago. Also, none of my providers, billing offices, or insurance can locate this so-called delinquent amount. I was, in fact, told to ignore it. I believe, given their poor reputation and high number of complaints ( e.g, bogus, scam ) that HRRG ( Healthcare Revenue Recovery Group ) is knowingly trying to scam money from me. They leave automated messages daily, from many different numbers. ( Ive  blocked quite a few numbers at this point. ) I believe they are spoofing phone numbers.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2019, I went into Bank of America, in order to open a representative payee account. We discussed with the Banker a broad range of topics to meet my family 's future financial goals, including, but, not limited too, plans to purchase a home, plans for my children 's college educations and plans regarding my business. I am a business owner who has recently become XXXX and desired to know what the bank offered as far as business financial services. 
XXXX XXXX, Relationship Manager Business Owner Specialist is the Banker that opened the account. He opened the account in XXXX, GA. Unfortunately, XXXX treated me in a discriminative manner. I bought a Representative Payee with me to open the account. I requested information about mortgages. To this day, no help has been provided from the equal housing lender. 
The representative payee has not given me the debit card for the account, instead has done something else with it.
Consumer complaint received 2017-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Sometime during XX/XX/XXXX, I received 3 municipal bonds ( about $ XXXX each, as inheritance after XXXX [ XXXX for maternal grand-mother ] suffered 2 XXXX and was on her own bed for about a week {? } before XXXX a XXXX XXXX XXXX ) from my auntie XXXX XXXX ; she was the main daughter with the Powers of Attorney for my grand-mother XXXX XXXX. I was " couch surfing '' with my " father '' in XXXX at the time, and went to the nearest branch to deposit them, 1 at a time, 2 or 3 days in between ( my XXXX XXXX XXXX XXXX XXXX ). I did have  receipts for a while ( printed with dot-matrix inking, narrow like 3 inches wide, might 've been dated XX/XX/XXXX ), but I ended up throwing them away years afterwards, believing that I did n't need the money ( accustomed to using money earned from jobs ). Sometime during XX/XX/XXXX, I received XXXX knowledge about my Wells Fargo bank account, which led me to a downtown XXXX XXXX branch to request a copy of my accounts, which the service agent printed, but the records did n't have any text about where the moneys were transferred from ( I recall using a laptop I bought with my Wells Fargo debit card to transfer money from the savings account to my checking account to buy XXXX and XXXX XXXX books, as well as subscribe to XXXX and XXXX, and I might 've bought a few games or accessories to play on my brother 's XXXX XXXX ).
Consumer complaint received 2019-10-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC (IL)

I was never contacted by the company and told my account was in arrears. When I contacted Opportunity Financial on XX/XX/2019 and spoke with representative XXXX. I was told the last payment was XX/XX/2019 and my account was {$400.00} past due. I attempted to make a payment on XX/XX/2019 and no longer had online access to the account. The representative XXXX told me my account was being written off and I would no longer have access. 

I have not received one call or email from the company providing me with a status of my account. I asked the XXXX why I was not contacted and he communicated I responded STOP to a text message in XX/XX/2019. This was from a prior account with OPPloans which was paid in full. 

During this same phone call, XXXX communicated to me the account would be taken out of charge off status and I would gain access. I no longer trust this company and feel the company is highly unethical.
Consumer complaint received 2024-02-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I am a victim of identity theft and as a result of this identity theft now a collection agency has placed an account on my credit report that is not mine. I did not do business or live at the " soundwater apartments ''. Until today I had never even heard of them. I attempted to contact them and left a voicemail but nobody has responded so I am filing this complaint.