davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
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. (RI)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-02-10
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. (RI)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2017-03-08
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (WI)

About 8 years ago I had to up and leave my house to move for care of my daughter. To which we had renters but they XXXX us over and we didnt have time or money to deal with a house as my daughters health was way more important and the renters messed the house up. I have filed a few complaints on this company already. 7 years later the house hasnt been paid on its suposed to get forclosed. Its in the process but from what Ive been told my law office keeps getting hung up with SUNTRUST MORTGAGE on this issue. My credit has already been turned to XXXX cause they wont do anything.
Consumer complaint received 2015-07-27
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (MD)

I received an email from Hyundai Motor Finance regarding a special promotion for loyal customers. The deal was for 0 % for 66 months plus a cash bonus. I went to the dealership XXXX Hyundai in XXXX. I showed the dealer the email I received and asked to see some vehicles. The dealer was not trying to honor the deal I was sent. The dealer also ran my credit 5-6 times through other banks without my permission. I called Hyundai Motor Finance Headquarters to complain and was told they will " attempt '' to reach out to the dealer but it is nothing they can do it would be up to the dealer.
Consumer complaint received 2015-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (FL)

I 've written 4 letters since XXXX XXXX, 2015 to Midland Credit Management to valid that I owe them. They sent me a computer generated copy someone printed out. No signature! All I 'm saying is I will pay them if they can supply proof I owe them. They ca n't, and they 've had since my first letter to them XX/XX/XXXX to valid it. What they did instead was notify the XXXX major credit bureaus to change my statues to " Disputed ''. The FDCPA clearly states that they have to stop collection activity if the consumer disputes. This alone is a violation of the law!!! I will not and can not make myself pay someone I do not owe a dime. I understand CONTRACT LAW will protect the consumer. Midland Credit have nothing with my signature on it agreeing to do business with them and they know it. Plus XX/XX/XXXX, they removed the XXXX accounts from XXXX and XXXX, then turned around and put them back. Please help if you can, because this is hurting my credit.
Consumer complaint received 2022-02-10
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. (MI)

I, XXXX XXXX, Living Person, And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted. The notes are, the bureaus arent following their own rules and guidelines, the 609 debt validation was sent as well as a demand to comply with no response. The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Profit Recovery, Inc., Marlborough, MA Branch (IN)

I received a letter from American Profit Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX on a debt they claim there client XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I owe. indicating I owed a debit to XXXX XXXX XXXX XXXX XXXX for the sum amount of {$210.00}. I sent XXXX letters to the collection agency and also to the vendor. The XXXX letter was dated XXXX and certified receipt. I advised this debit was not due or owed, and we did not order the services. The vendor actually did n't sign for the certified letter but the collection agency did. I asked in the letter to correct the account as we did n't owe the balance, and requested they respond within 10 days of which I received another letter today. Today 's letter simply states per my request they are enclosing supporting documents for the debit owed, it is simply the vendors invoices. 
This is becoming a paper chase and my fear is they will report this in my credit. Need your help as I advised in writing the debit was not owed XXXX and certified mail.
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Data Corporation (FL)

On XXXX XXXX, 2016, I received a letter from TRS Recovery Services telling me to send {$500.00} via cashier 's check or Money Order for a XXXX transfer dated XXXX XXXX, 2016 that supposedly had a stop payment on it. My computer was hacked on XXXX XXXX, 2016 and my email account was compromised. They got access to all of my User IDs and Passwords, which have all been changed. In addition, XXXX informed me that my XXXX account was closed by them on XXXX XXXX due to a suspicious activity alert.
Consumer complaint received 2023-03-22
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. (GA)

I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX ACCOUNT # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 120 days past due multiple times according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Consumer complaint received 2017-02-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ENCORE CAPITAL GROUP INC. (MI)

I took out a best XXXX XXXX card and it went into collection. in XX/XX/2015 I got a payment notice from them and said I was unemployed and could n't pay them any money because I was n't receiving any unemployment and my wife and I were barely getting by on what she was making. I sent them a check for {$25.00} along with a letter explaining our situation and that as our situation allowed we would start to pay small amounts towards the debt. I also asked that all communication be in writing.They never cashed the check and they did n't communicate with us for a year about setting up a payment plan. I did n't hear from them until last spring. They filed a lawsuit against me for a little over {$2500.00}. I tried contacting the collection agency to set up a payment arrangement and they had no record of the account let alone that it had gone into litigation. My wife and I ended up moving and again we had n't heard from them until XXXX where we got a court order for them to take my state tax return that was dated XXXX. I called them last week and explained again that I had been unemployed and just got to the point to where we can start paying on this bill. They wanted the full amount right then. They were n't interested in setting up payment plan.
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX  days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2021-10-03
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: LTD Financial Services, L.P. (NJ)

XXXX is a terrible harrassing debt collector. My debts are in order. Their info and constance for nearly 16 years! Must END. I do not owe XXXX I do not owe Asset Advantage Co. They are 3rd party charged off accts closed w my divorce attorney during my XXXX battle in XXXX. Please cease their mailings. I can not deal with any collectors! They were told repeatedly to stop. Their letters to my jobs. Enough! I am a patient at XXXX XXXX XXXX. I pay my home car and medical and utiluties only. I am not bringing back charged off debts from my 1st XXXX. Any accts were closed properly with XXXX XXXX years ago. Tell them to stop contacting me. I called NJ Ethics Div numerous times. I filed with CFB years ago. Why do they not cease!? My career js ending XX/XX/XXXX my co. Is not doing well. I am a XXXX patient and single parent. I am trying to find a new career and take care of my health. Please contact them asap. Also XXXX XXXX get them to remove off my credit report. My car was protected under lemon law in XXXX. They had a class action against them too. Please square away both. I am not well to handle all this unnecessary stress. XXXX XXXX of NJ first and foremost has incorrect and old old old info They buy charged off debts and harrass people. XXXX was XXXX and a refinance. Handled properly. Adv Assets i have no debt ever for. So please or I will file a police report
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (DC)

Citibank charged me a {$450.00} fee for an annual fee. I sent a note to cancel the account via mail response. I was still contacted about owing the fee in XX/XX/2016. I cancelled the account at that time and was told the fee was removed. The credit card fee offers airport lounge access that I utilized for the initial {$450.00} fee but chose not to utilize again in 2016. I have not used the lounge access again in XX/XX/2016 since XX/XX/XXXX. And then I was told in XX/XX/XXXX that there would be no issue cancelling the charge due to lack of usage and desire not to move forward with the card. However, I was contacted this week numerous times by Citibank to be told that I still owe the full {$450.00} fee even though the card was cancelled only XXXX months after the charge was filed and Citibank originally told me the fee would be waived due to lack of usage and desire to utilize their service.
Consumer complaint received 2024-02-24
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: EQUIFAX, INC. (CA)

I appreciate you taking the time to REMOVE some of the information in my credit file ; however, there is still an account that needs to be REMOVED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
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
Consumer complaint received 2022-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Yes I have reached out to Indentity theft. gov here is my confirmation number for the two XXXX accounts that are due to identity theft. confirmation number XXXX. These two account do not belong to me and need to be deleted from all Credit Bureaus pleas.
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (OH)

Hello, Back on XXXX XXXX, I was offered XXXX Bonus Miles of which XXXX would be XXXX if I upgraded from a Delta XXXX to Delta XXXX. This offer was contingent upon spending {$2000.00} on the card. 

I fulfilled the {$2000.00} obligation on XXXX XXXX. But now 2 months later I have NOT received those miles. I have repeatedly called your XXXX number and have found your agents are be very polite. But your back-end people and processes must be asleep because I have still not received my bonus miles American Express has NOT lived-up to its agreement. 

I would rate American Express a XXXX
Consumer complaint received 2015-10-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

Came out of a bankruptcy XX/XX/2007. After paying on the loan for the 3 years in thebankrutcy, I owed the mortgagae company more than the original loan before the bankruptcy was filed. 
The loan was eventually sold to XXXX and Owcen Servicing was designated as theservicer of the loan. I was offerd a modification by Owcen which I accepted, trems were given and I began the payment cycle. 
I do not think Ocwen is honoring the terms of the agreement
Consumer complaint received 2015-08-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

late charges have been applied and there is no supporting documents, I have been trying to resolve this for a long time and have not been able to do so. I have been in good standing and have never been late on payment, I opened a mortgage with GMAC XXXX XXXX, 2004 and it was sold to Ocwen. now my monthly statements are not correct I have called many times and can not get this resolved.
Consumer complaint received 2016-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Rent Recovery Solutions (AL)

I signed a lease with my daughter in 2015. I received a demand letter from the apartment and replied immediately asking for more information. They did not respond and sent the file to collections. Rent Recovery contacted me XX/XX/XXXX and started reporting the collection on my credit report even though I have communicated my position in email and on the phone. They refuse to review my argument and have told me that the apartment does not have to provide any proof of the damages. 

I do not feel I have any responsibility for the debt and my argument is documented in my XX/XX/XXXX email to Rent Recovery. Please review the attached emails.
Consumer complaint received 2017-03-16
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

I contacted Ocwen Loan Servicing, XX/XX/2017. The representative told me the system will not allow Ocwen representatives access the pretender lender loan servicers account, and that Ocwen litigation lawyers are the only ones who have access, and the XXXX lawyers will contact me within 24 hours, between XXXX and XXXX, XX/XX/2017. I can not believe all the years of Ocwen Loan Servicing getting away w/ harassing me, committing fraud against me, playing games with me, using its cozy relationship w/ XXXX, using fraudulent trustee sales as a weapon leaving me with no choice other then to sign a increased none negotiable pretender lender loan servicer loan modification to save my home from XXXX fraudulent trustee sale. I do not owe Ocwen Loan Servicing XXXX a single penny, Ocwen owes me a refund for paying on fraudulent loan modifications to avoid fraudulent trustee sales during the time I was XXXX with XXXX. Ocwen needs to reimburse me XXXX of dollars for incompetent lawyers fees. My health has greatly improved and now Ocwen and its XXXX lawyers must be brought to justice.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporing act XXXX Account XXXX, has violated my rights. 
15 US.C 1681 segion 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furish a account without my written instructions.
Consumer complaint received 2017-03-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

This company has not provided verification of this debt. I previously reported this account through Consumer Financial Protection Bureau and they remove the account from my credit report. 

This month they re-reported the same account. I also have a collection bill from another company XXXX XXXX XXXX trying to collect the same debt. 

They are falsely trying to collect this debt and re-selling it. I do not owe this amount
Consumer complaint received 2017-02-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc. (TN)

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.
Consumer complaint received 2022-09-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Yes I have reached out to Indentity theft. gov here is my confirmation number for the two portfolio accounts that are due to identity theft. confirmation number XXXX. These two account do not belong to me and need to be deleted from all Credit Bureaus pleas.
Consumer complaint received 2022-02-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY (CA)

I owe Target in the amount of {$4800.00}, Id tried settling my account in 2021 because Im suffering from XXXX XXXXXXXX long haul illnesses unfortunately Target refuses to Settle my account. Eventually I had forgotten about it.Target forwarded my account to a collection agency without sending a notice first of their intentions. The collections agency sent a letter to my neighbor address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, California XXXX with my name on it, my correct address is XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX. The collections agency is in a violation of privacy act. This had cause me tremendous emotional distress because