davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
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. (PA)

XXXX has been in dishonor for years. I have proof that Ive attempted to satisfy the debt obligation. Ive sent a registered security years ago. It was kept and account still not properly closed and settled. Letters ignored etc. 

By this account being on my credit report. It is effecting my way of living. Effecting my ability to obtain credit to purchase my first home. Refusal of discharge by law is automatic discharge. I want this off my credit immediately. Or I will file a js4 Civil Sheet. Along with filing a complaint with the SEC. For keeping my security. 1099-Cs never processed properly as well. 

XXXX net shouldve never transferred or sold the debt to XXXX. 2018 I sent in tender of payment. It obviously was ignored. Which is automatic discharge.
Consumer complaint received 2019-07-01
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. (NY)

Here is the false information I found on my profile : Accounts 1 ) XXXX XXXX/XXXX  XXXX  : {$0.00} - XX/XX/XXXX 2 ) XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX 4 ) XXXX XXXX XXXX  USA : {$1600.00} - XX/XX/XXXX 5 ) XXXX XXXX XXXX : {$0.00} - XX/XX/XXXX Inquiry 1 ) U.S. Bankruptcy Court - XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX : Reported on XX/XX/XXXX
Consumer complaint received 2019-07-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (GA)

I have filed 3 complaints with General Revenue Corporation and XXXX XXXX has illigally denied my access to copies of any contracts, bills, statements or records that show that I owe any balance to Indiana XXXX or General Revenue. The only documents that XXXX XXXX from General Revenue Corporation are collection bills for the amount of {$450.00} and a collection balance {$90.00} totaling {$540.00} I believe your company has violated several of my consumer rights. Specifically, I have requested General Revenue Corporation upload copies of all documents already sent and any response to this notice through the Consumer Financial Protection Bureau Portal with the response- If you have the documentation needed legally and have already sent it in XX/XX/2019 to verify that this debt is owed to Indiana XXXX and that you have the rights to collect on behalf of Indiana XXXX . ( FDCPA ) 15 USC 1692f 809 ( A ) ( 4 ) ( B ) I hereby demand that you produce for my inspection, an original contract that establishes the existence of a debt to which I am obligated to you or your principal. 

General Revenue Corporation is trying to collect interest, fees, or other charges on top of the charges they accuse, is illegal according to the Fair Debt Collection Practices Act ( FDCPA ) 15- USC 1692f 808 ( 1 ) Unfair Practices- Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request Proof of your right to own/collect this alleged debt Balance claimed including all fees, interest, and penalties Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

I expect to receive proof requested above by mail and by uploaded response to the Consumer Financial Protection Bureau XXXXomplaint Web Portal, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted.
Consumer complaint received 2019-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Direct Recovery Services, LLC (CT)

I sent multiple letters to XXXX XXXX Bank in regards to a debt they say that I owe. I never received any proof that I actually owe this debt after sending multiple letters requesting such proof, however, I did receive notification from a collection agency. ( direct recovery services ) I ended up paying a settlement to keep the collections agency from reporting to the credit bureaus. They stated that if I didnt pay, it would be reported negatively on my credit report. 

Now this company is saying that this debt was sent to another collection agency ( XXXX XXXX XXXX ), even though I paid the settlement amount with the other collection agency ( Direct Recovery Services ). 

I have included proof of payment for this account.
Consumer complaint received 2019-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

I had vet services through XXXX XXXX Hospital for my dog. I terminated services with the vet ( not having a balance ) in XX/XX/2012 once I received orders that would have me stationed outside of the US and not within the area of one of these vet clinics. I moved at the end of XX/XX/2012 and my dog was transferred to a military base vet. When I logged onto the XXXX account I had set up, I saw that two shots were administered to my dog on or around XX/XX/2012 and charges were applied to an account that had already been terminated. These charges were applied to an account I terminated prior to leaving the US. I  was not notified of my pet receiving care at the clinic, I did not authorize my pet to receive care at this clinic, nor did I authorize charges be made to me.
Consumer complaint received 2023-03-18
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. (VA)

XXXX XXXX {$0.00} : XXXX XXXX XXXX {$0.00} XXXX XXXX these account are being reported wrong!!! demand them to be removed fruad demand them to be removed XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1600.00}XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$500.00} these fraud account has affected my mental and emotional day to day living and I demand them to be removed
Consumer complaint received 2019-07-01
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: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC. (CA)

This complaint submission is in regards to a false credit report by CREDIT BUREAU ASSOCIATES -NORTHEAST INC ( XXXX XXXX XXXX XXXX XXXX , MA XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with two different representatives one particularly named XXXX XXXX who was extremely rude and stated I am responsible for this debt then hung up the phone. I then spoke with another representative who gave me the fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through my fax machine that the Supervisor had received the files ; however, after 30 days of notifying them, still no response. I specifically asked for proof of debt and anything in signature or judgment by law stating I was obligated to pay them the total of ( {$790.00} ). Prior before sending the letter, the representative stated they have mailed me several notices to my home address. The actual letter came from the alleged original creditor which was sent to a random address I have never been associated with. The original balance on that letter states {$520.00}. CREDIT BUREAU ASSOCIATES -NORTHEAST INC stated I owed them {$790.00} with {$260.00} in collection fees. I have never made any agreement with them nor the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting CREDIT BUREAU ASSOCIATES -NORTHEAST INC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX   , XXXX, & XXXX  ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. CREDIT BUREAU ASSOCIATES -NORTHEAST INC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
Consumer complaint received 2019-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am writing to you about a serious issue regarding Bank of America. My wife and I have been dealing with ongoing attacks by Bank of America : For the past year ( since XX/XX/XXXX ) Bank of America has frozen our accounts multiple times with absolutely no prior notice. We find out our card being denied when we are shopping. When we call in, they transfer us multiple times until someone asks us information about our residence, our jobs, and our citizenship. We do not hold dual citizenship. When they ask what is our nationality, of course we identify as XXXX, with our sole citizenship with U.S. ( meaning ethnically we identify as XXXX ) On Thursday XX/XX/XXXX they closed our credit cards with no notice. We called and went into the branch several times and they said they can't provide any information and the only thing they told us is that we are a 'High Risk ' customer ( we have perfect credit scores and have never missed a payment ). Then they proceeded to close our checking, savings [ with no notice in mail until we called in and asked them to send us a written notice! ]. Merrill Edge, a Bank of America company, also closed our Cash Management Account, and our Roth IRA.  Merrill Edge gave us a 1-day notice via a letter before closing our account. We have been bank-less for a few days now, and regardless this has caused a lot of frustrations. 

Can you please assist us in seeing what next steps there are regarding this matter? 

Thank you in advance,
Consumer complaint received 2021-04-19
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: United Revenue Corporation (TX)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Consumer complaint received 2019-07-01
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. (CA)

XXXX was never my credit consolidation student loan servicer. I never selected XXXX. I only asked questions about XXXX. XXXX was my selected loan servicer. However XXXX, started reporting as if I selected them and I never did. XXXX never billed me but never removed reporting on my credit report, now I have duplicate closed accounts because XXXX reported my account as closed which is not accurate. I merely made an inquiry about their services, I never asked them to be my servicer. They had no right to start reporting on me and then have to close my accounts. Closed accounts have a negative impact on my credit score. XXXX should be completely removed from all my credit reports. They agreed to do it but never did remove themselves from my credit reports.
Consumer complaint received 2019-07-01
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. (CA)

XXXX was never my credit consolidation student loan servicer. I never selected XXXX. I only asked questions about XXXX. XXXX was my selected loan servicer. However XXXX, started reporting as if I selected them and I never did. XXXX never billed me but never removed reporting on my credit report, now I have duplicate closed accounts because XXXX reported my account as closed which is not accurate. I merely made an inquiry about their services, I never asked them to be my servicer. They had no right to start reporting on me and then have to close my accounts. Closed accounts have a negative impact on my credit score. XXXX should be completely removed from all my credit reports. They agreed to do it but never did remove themselves from my credit reports.
Consumer complaint received 2019-07-01
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. (TX)

this account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP..
Consumer complaint received 2019-07-01
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)

this account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP..
Consumer complaint received 2022-11-08
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$5700.00} and XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$270000.00}.
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mortgage Lenders Investment Trading Corp (FL)

After contacting RP Funding on the phone and by certified mail, they still have not corrected the math on my escrow account. 

My loan closed in XXXX of last year and initial funding of escrow was made. Every payment since the close has been on time, including the required escrow payment. 

RP Funding has failed to perform the appropriate mathematics since they made an erroneous insurance payment on my account in XXXX of last year. They then went through and made several entries to my account attempting to reverse the error, credit the error, reverse the error, etc. In all of the RP Funding attempts at error correction, RP Funding failed to credit {$25.00} to my escrow account somewhere. The detailed accounting of the escrow payments since loan inception is detailed in the attached letter that was sent via certified mail to RP Funding 30 days ago and never responded to by phone or mail, and certainly not by correction to the account.
Consumer complaint received 2019-07-02
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: Experian Information Solutions Inc. (FL)

ON XX/XX/2018, I SETTLED MY DEBT WITH XXXX XXXX. THE DEBT WAS SETTLED WITH XXXX XXXX XXXX , XXXX AND I RECEIVED THE LETTER ON XX/XX/2018 STATING THE DEBT WAS SATISFIED, AND I IMMEDIATELY FILED A DISPUTE WITH ALL 3 CREDIT BUREAUS. EXPERIAN WAS THE ONLY ONE THAT DID NOT REMOVE THE SATISFIED DEBT, EVEN AFTER I PROVIDED THEM WITH THE LETTER STATING THE DEBT WAS SETTLED.
Consumer complaint received 2019-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

Americollect is a collection agency claiming a debt that is NOT owed by me. 

it is impossible for me to owe this claim debt to your claimed debtor as i was not present in the United States during the claimed rendered service date provided by your collection agency to myself as the date of the claimed service was rendered. Please review evidence consisting of plane ticket reservations as well as hotels reservations as well as my return tickets. i was not in the USA from XX/XX/2018 and returned XX/XX/2018. 

I have contacted them repeatedly and provided evidence and still collecting and reporting to the credit bureaus regardless of the provided evidence
Consumer complaint received 2018-06-20
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. (IL)

The following inquiry below was added to my credit report on XX/XX/2018 and was not authorized by me. I know nothing about this and would like the inquiry removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX
Consumer complaint received 2017-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously attempted to dispute several inquiries that are a result of true name identity theft, on multiple disputes I have provided a copy of the police report and TransUnion says this police report ca n't be accepted as it 's not " Real ''? This police report is directly from  XXXX  Police records and can be called in to verify that this is a fully accurate police report.
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The disputed inquiries are :   XXXX   XXXX   ;  XX/XX/XXXX    XXXX   XXXX   XXXX   ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX  ;  XX/XX/XXXX  XXXX  ;  XX/XX/XXXX    XXXX   XXXX    ;   XX/XX/XXXX   XXXX  ;  XX/XX/XXXX   XXXX   XXXX   ;  XX/XX/XXXX    XXXX    ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX   XXXX   XXXX   ;  XX/XX/XXXX   XXXX  ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX  XX/XX/XXXX  All these inquiries are a result of True Name Identity Theft, they are not my inquiries. I have attempted to send letters the listed companies, some replied needing additional information, I refuse to give them my social as I am a victim of identity theft and I am very cautious and careful of who gets my social. Some of the companies were not even able to find anything as to why the inquiry was run.
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Furthermore these inquiries are affecting my credit score.
Consumer complaint received 2021-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX Balance Owed : {$4500.00}