davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-13
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: Resurgent Capital Services L.P. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 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 furnish a account without my written instructions
Consumer complaint received 2021-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (MT)

.Jefferson Capital systems is actively trying to collect a debt {$470.00} for XXXX that is from XXXX and was a charge off in XXXX. Jefferson 2 years later XXXX starts collection process reports collection debt on my credit report. Montana state law states debt collection must stop and cease 5 years after debt was aquired! It's been 9 years when debt originated XXXX! Need this off credit report ASAP and that my credit report be updated accurately and report reflects score that should have been positive score since XXXX before putting this on credit report in first place! This has effected my ability to get loans at lower interest rates or refinance current loans!! Jefferson Capital Systems is breaking the law by actively trying to collect a debt that is almost 10 years old!!
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX does not have data about my date of first delinquency, worst delinquency status, or cause for derogatory status. They have very limited data, they have said when they spoke to me via phone. This account resulted in a derogatory status. The customer service agents working at XXXX cant even tell me why my account was derogatory or even if it ended in a positive or negative account status. I would like to have this account removed or deleted permanently from my credit file due to this discrepancy and lack of information supplied by the creditor. They have also applied these discrepancies after account closure in 2017. Has been disputed and dismissed before.
Consumer complaint received 2020-11-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

During the month of XX/XX/2020 I was notified via an attorney letterhead implying they were representing Portfolio Recovery Associates and attempting to collect a debt. There were no legal filings prior to this written notification. This places Portfolio Recovery Associates in violation of U.S. Code 1692 of the FDCPA, and renders them ineligible to be now considered as a " debt collector ''.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

XXXX  does not have data about my date of first delinquency, worst delinquency status, or cause for derogatory status. They have very limited data, they have said when they spoke to me via phone. This account resulted in a derogatory status. The customer service agents working at XXXX cant even tell me why my account was derogatory or even if it ended in a positive or negative account status. I would like to have this account removed or deleted permanently from my credit file due to this discrepancy and lack of information supplied by the creditor. They have also applied these discrepancies after account closure in 2017. Has been disputed and dismissed before.
Consumer complaint received 2020-07-23
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. (GA)

My name is XXXX XXXX, this is the 2nd time I have filed a complaint with you against Experian. I am a victim of identity thief. Someone used my identity. I sent Experian my complaint through the mail, along with my state identification and social security card. I also sent a police report along with a copy of my FTC report. I mailed these documents certified mail, only to get a response from Experian stating they think it was a mistake, that the documents were sent in error. I filed disputes again online and now Im here filing a complaint against them again. I just filed the same complaint only to have Experian say once more that they do not believe I am making these complaints. I enclosed a piece of mail I received that one of the creditors in my dispute sent to me.
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

Shellpoint Partners ( NewRez LLC ) engages in fraud to prevent or delay home mortgage refinancing for mortgages it services. Shellpoint directs, incentivizes, or conspires with its employees to commit fraud using the following tactics : 1. Shellpoint/NewRez refused to communicate with the applicant promptly and honestly about the status of the loan application. 
2. Shellpoint/NewRez made multiple requests for documents from the applicant then refused to review the documents in a timely manner. After a period of months, Shellpoint/NewRez requested similar documents. Examples include bank statements, paystubs, and credit reports. 
3. Shellpoint/NewRez attempted to terminate loan applications by surreptitiously posting document requests on its web portal and then failing to communicate those requests to the applicant via email/phone or through their employees. When the applicant failed to respond, a postal letter was sent to threaten to terminate the application. 
4. Shellpoint/NewRez made piecemeal and last moment document requests hoping to further delay or thwart the borrower. 
5. Shellpoint/NewRez used several tiers of handlers to prolong the loan application process. Some tiers include : mortgage consultant, loan processor, customer care. 

My home mortgage was serviced by Shellpoint Mortgage Servicing, and I applied for a refinance with their partner company NewRez LLC in XX/XX/XXXX. I was assigned to a mortgage consultant ( XXXX XXXX ) who used several of the tactics listed above to prolong the application process until XX/XX/XXXX. In XX/XX/XXXX, I was assigned to a loan processor ( XXXX XXXX ) who prolonged the process with additional document requests ( including previously requested documents ) and long periods without communication until XX/XX/XXXX. Finally, I was assigned to customer care ( XXXX XXXX ) who posed several more questions, but who then failed to acknowledge receipt of my answers. 

In XX/XX/XXXX, I searched XXXX, XXXX, CFPB for mentions of Shellpoint/NewRez and realized that this company was engaged in a scam to prevent refinancing. When confronted by the accusation, the response from Shellpoint/NewRez was to was to assign me another loan processer ( XXXX XXXX ) who immediately began using the tactics above to request updated documents that I had previously sent to the previous loan processor ( XXXX XXXX ). 

In conclusion, Shellpoint/NewRez and its employees are committing fraud against refinance applicants. They are systematically prolonging the application process using delay tactics that mostly involve document requests, failure to communicate, and multiple tiers handlers. The practices is so widespread that it is obviously incentivized or promoted by senior leadership at the company. The goal of the fraud is obvious : Shellpoint has nothing to gain by letting its borrowers refinance to lower interest rates.
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-09
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: TRUIST FINANCIAL CORPORATION (GA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2019, Suntrust Auto Dealer Fin add a hard inquiry on my credit report per XXXX. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I have been a Chase Customer for over 10 years. I usually send wire transfer to my family abroad through the bank lobby. But on XXXX/XXXX/2020, I was turned away at the bank and asked to send the wire transfer by myself using the Chase App. The reason given was that my branch at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas was temporarily closed and other bank lobbies were closed due to Covid-19. And so I was forced to attempt this transaction by myself for the first time without any help or tutorial videos. The wire transaction details are as follows : Wire Date : XX/XX/2020 Wire Amount : {$400.00} Wire Transaction # : XXXX Wire Reference # : XXXX Unfortunately while conducting the transaction, I entered the recipient 's account number wrong. I noticed this immediately after I sent the wire. Since Chase Bank disclosure on the website allows corrections to be made within 30 minutes of sending a wire transfer without any fees or penalty, I immediately called Chase Bank customer service and requested an amendment to my wire transfer to correct the error. The XXXX # for that phone call is XXXX. I was told by the agent that someone from the Wire Department will reach out to me within 24 hours to validate the request. By the end of the next day I did not hear from anyone at Chase Bank so I called again on XXXX/XXXX/2020 and was advised by another agent to re-file my amendment request ( Phone call XXXX # XXXX XXXX. Again I was told that someone from the Wire Department will call me. No one did. On XX/XX/2020 I called Chase Bank yet again and was advised by another customer service agent to wait a few more days to hear back from Chase XXXX XXXX call XXXX # XXXX XXXX. Again, no one called or emailed me from Chase. Finally, on XXXX/XXXX/2020, I called Chase Bank and demanded to speak to a Manager. I requested an escalation of my issue and she did XXXX XXXX # XXXX ). Since then, the only communication I received from Chase Bank was an online secure message telling me that the transaction can not be amended or reversed, but without telling me how and when my money will be returned to me. I need my money and fees refunded.
Consumer complaint received 2021-04-09
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: U.S. BANCORP (IL)

We have on several attempts with XXXX to resolve an inaccurate late payments caused by XXXX of XXXX XXXX to submit a pay-off check to US Bank, after the XXXX XXXX XXXX was traded on XX/XX/XXXX. 

XXXX of XXXX XXXX failed to remit their check # XXXX in a timely manner due to personnel changes, as indicated by Mr. XXXX XXXX, Subject : Delayed Payoff Check # XXXX XXXX XXXX to US Bank, dated XX/XX/XXXX. 

The dealer was eventually closed by the authorities due to several illegal activities that indicated Mr. XXXX. 

The payment trend was excellent until the trade-in, which should indicate the true payment pattern we had established with US Bank. This is the latest late payment in XXXX / XX/XX/XXXX had has caused harm to my credit report.
Consumer complaint received 2020-07-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (FL)

I called XXXX  and wanted my service transferred to my new address by XXXX/XXXX/20. They weren't able to do it until XXXX/XXXX/20. I then didn't have service for 4 days. On XXXX/XXXX/20, a technician showed up at my new home and was unable to " transfer '' my service. He stated because it was a new construction townhouse, and it seemed that they didn't run the proper line from the main box to my home that a field technician would have to come do the work. I then called XXXX back to explain what he told me. He also put in a work order and said it could be a few days before they returned. On XXXX/XXXX/20, another technician arrived and was also unable to run a new line, stating that there were wrong connections located in the main box and that would prevent him from connecting my line. I had been previously informed that they would be digging under multiple driveways to get to my home. They did no such thing and didn't have the equipment to do the work in the first place. He then called in another work order and said I would have to wait again. I was very frustrated and started that I was going to cancel due to the lack of still having no service at my new home. He told be to keep the account open and if I closed it then they wouldn't come back out. On XX/XX/20 another tech showed up and said that the line was run properly, but they didn't know where to look for it since it was buried. He then ran the line to my garage, left this hideous orange cable ( approximately 3 ft ) curled up in from of my home. He said I would need to call again and have a technician come connect my service on the inside. By this time, I had been without service for 8 days. I then called to cancel, but they wouldn't let me do so until I returned their equipment. On XXXX/XXXX/20, I returned the equipment and canceled in person at one of their locations. I then called customer service to followup and make sure that knew I canceled. They confirmed that they had their equipment and my account was closed. Some time passed then I started receiving a notice that my account had a balance due. I then called to ask about this. They stated that the amount due was for the month of XXXX. I then told them that couldn't be possible since I had no service from them during that time. I explained to them what happened on their end, and I shouldn't be charged for services not rendered. I then asked to speak with a supervisor. He also stated that I owed the money and that once a bill is " printed '' they can't retract it, and said " It's due and payable. '' I again said that this was no fault of mine and shouldn't be charged for the month of XXXX. He ten said that if I don't pay it then they would turn me over to collections. I then started seeing an obscene amount of phone calls started at 8 a.m. till 7 p.m. at night for months. They have since turned me over to a collection agency. Now they are calling me unrelentlessly. Please help.
Consumer complaint received 2020-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I went to XXXX XXXX  on XX/XX/XXXX to try to refinance my house, but they denied me due to numerous negative accounts. ( 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 ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX, and on XX/XX/XXXX I discovered that my personal information had been used by someone else and opened numerous accounts without my consent or authorization as listed above. I did not receive any money, goods, services, or any other benefits as the results of these accounts being opened under my name. I filed a police report with the XXXX XXXX Police and it's an ongoing investigation, no perpetrators have been found as of today. Please delete the accounts above because they are a result of identity theft. I certify all my statements are true.
Consumer complaint received 2020-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (NC)

While living in XXXX, VA I had to pass the XXXX XXXX XXXX, one time. After passing this bridge, I went onto their website for the XXXX XXXX XXXX and paid the toll for the bridge. Shortly after, to verify this I called the XXXX XXXX XXXX phone line to ensure the debt had been paid and posted, they did verify this. 

It is now over a year later and I am getting a harassing letter from an unknown debt collector Linebarger Goggan Blair & Sampson, LLP. I researched this organization only to find terrible reviews of scam artists ripping off dozens of customers. I paid the stupid debt to get them to hopefully leave me alone. I paid {$150.00} for a bridge I crossed OVER A YEAR AGO, without ANY notification or ANY indication that I owed money, FOR A YEAR. 

I know for a fact it does not cost {$150.00} to cross a bridge one time, they waited for this fine to increase by using fee 's for time not paid to increase the value I owed without notifying me of the debt FOR A YEAR and I'm not surprised in the slightest from the reviews. I am not the only person who has encountered this. They are scam artists and should audited, if not for me for all the other American 's who have wrongly been squeezed money out of by these " Attorneys at Law ''. It's despicable especially in light of recent events in the world. If my story isn't enough to convince you then maybe read some of these. 

Some of the stories from this company are far worse than mine ... 

https : XXXX I am not alone with dealing with this shady organization.. please do something about this or they will continue to do this to other Americans. I don't care to get my money back I would only hope nobody else has to deal with this cancerous company.
Consumer complaint received 2022-04-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX 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 has violated my rights .

15 U.S.C 1681 section 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 furnish a account without my written instructions
Consumer complaint received 2017-12-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (NC)

I have tried several times to have them send me a contract I signed with the company for the dates of service ( from both companies i owe ). According to the fair credit reporting act section 609, they must do this! They keep telling me that they can not send me this and will only send me an itemized bill : how do I even know this was me? How do I know the original creditor didnt send it to my insurance for fraud??? 

When I asked why the amount owed for XXXX XXXX XXXX was {$140.00} more than what my credit report shows or the last bill I received from the company, they couldnt tell me an exact reason why.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX/2022 XXXX XXXXXXXX XXXX/2022
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 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 furnish a account without my written instructions
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

Re : Equifax 's That I have Disputed derogatory information on my Credit Report with XXXX, XXXX, and Equifax. That XXXX and XXXX  have made corrections on my credit report and adjusted my credit score accordingly. However, to the best of my knowledge, Equifax has failed or refused to take the same actions as XXXX and XXXX in making the above correction and /or adjustments on my credit report.