davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (TX)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2019-08-12
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (MN)

XX/XX/XXXX I submitted a " Total and Permanent XXXX '' form by my Doctor from XXXX County Medical Center, XXXX, MN to the U.S. Department of Education for a discharge of my student loan which took effect that year. Now 6 years later The U.S. Department of Education 's Loan Servicer " XXXX '' of XXXX, NE ( XXXX ) XXXX is trying to collect on this discharged loan.They are lying telling me over the phone that they have no information about my XXXX loan discharge and that XXXX took over as a New Contractor for Dept.of Education in XXXX. They Maliciously had their collection agency " XXXX XXXX XXXX XXXX XXXX '' take my XX/XX/XXXX EIC tax refund of {$63.00} and my XX/XX/XXXX Minnesota tax refund {$1500.00} this is theft. I filed a Complaint with the Minnesota Attorney General 's Office. Now these vindictive people has a 3rd party collection agency XXXX of Colorado harassing and threatening me for a debt I do not owe! These malicious and lying people at XXXX are requesting another Discharge Application from my Doctor and/or Social Security Admin. to again discharge this loan a second time, this is Fraud! Please tell this collection agency XXXX in XXXX XXXX, CO ( XXXX ) XXXX to stop calling and hanging-up on me, they are in violation of the Fair Debt Collection Practice Act. Please tell XXXX XXXX XXXX to Cease and Desist and for them and XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX, XXXX XXXX, MO ( XXXX ) XXXX ) to return my money they have stolen from me and Cease and Desist from taking my tax returns. 
They have also violated the 120 grace period from XX/XX/XXXX since filing my Discharge they were not supposed to take my tax refunds under this 120 day stipulation. These people are all unlawful.
Consumer complaint received 2022-04-27
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. (TX)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NY)

I have tried to contact SageStream credit reporting agency to lift a security freeze on my credit profile so that I maybe able to access new credit. I am unable to reach a representative or get help with this matter because SageStream is not currently responding to my telephone calls. I would like to file a complaint against them for this matter.
Consumer complaint received 2019-08-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams, Alexander & Associates, Inc (MI)

Hi, i woke up one morning, about a month ago, with a note on my XXXX XXXX   that on XXXX there was a Collection of {$940.00} from Williams & Alexander Association From a XXXX Division as original Creditor. I call the collector on XXXX, and they could not find me on their system. I gave my social and my address and they said they send a bill for more than 3 months to XXXX, NJ in some address that i never lived. I live in XXXX  for 3 years, and I was living in XXXX before where i had my house. I never received any letter from them and never had any collection issue on my credit. This is completely fraud and scan on my credit. I fill out already 4 disputes with XXXX ( XXXX, XXXX, XXXX and XXXX ) and my credit continues going down. Yesterday the collection took place on XXXX   and I fill out a dispute immediately as well ( XXXX ). I keep calling this collection agency and they keep saying that this does not belong to me, but they do not remove this derogatory mark from my credit. It's been a month like this fight and I'm getting nowhere. Please help me to clean my credit it went down almost 50 points. I really need help with this. This is insane how come a collection use my social to charge me something that does not belong to me without sending me any notification??? Please help!
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE CORPORATION OF THE SOUTH (AL)

I entered into a mortgage at a 20.70 % interest rate I have tried to work with the company.They put a block on my account when I was only 60 days behind .They foreclosed on my property but had to reverse it because they didnt notify us .The loan was in negative embolization From the beginning which they are designed to fail.
Consumer complaint received 2019-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I have contacted EQUIFAX on several occasions, notifying them of their violations, yet they continue to violate the FCRA. They continue to report a " monthly payment '' on account that has been closed for years. EQUIFAX continues to respond, with a letter saying the account is " verified ''. Reporting an monthly payment on a closed account is a violation of the FCRA.
Consumer complaint received 2021-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

XXXX XXXX and its debt collector company ( Jefferson Capital Systems LLC ) has been trying to collect and has reported to my account XXXX that I have been trying to remove for a long time. I have had the same phone company ( XXXX ) for over 10 years and did not open a phone account ever with XXXX XXXX but to no avail, they are still reporting it as a collection on my credit causing many problems.
Consumer complaint received 2021-05-04
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: Experian Information Solutions Inc. (NV)

I have disputed this debt with experian multiple times and asked them to properly investigate this debt from XXXX XXXX for {$3400.00} that is on my credit report. I sent a written letter to XXXX XXXX requesting proof of this debt that it was opened by me as it was not. XXXX XXXX failed to do so, and experian has failed to investigate this debt properly under FCRA section 611. It is illegal for experian to continue reporting a false debt on my report. XXXX XXXX has never shown the copy of the government ID that was used to open this debt. If XXXX XXXX has no proof of who opened this debt, how is experian saying it is valid? They are just asking XXXX if it is valid and accepting a yes as validation. I will be forced to take legal action with experian if they do not properly investigate and remove this from my credit report as this is not debt and was never opened by me. This has caused problems in my life for me and my family and experian should not be allowed to report credit when they do not follow the law and investigate debts on peoples account properly. Experian is only helping these corporations with putting false debt on peoples account and ruining there lives. Please ask experian to show the proof that they got for this debt as they have never provided it to me as there is no proof because i did not open this debt.
Consumer complaint received 2019-08-12
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. (FL)

I have incorrect information on my credit file as a result of identity theft : XXXX XXXX XXXX - XXXX - OPENED XX/XX/2018 - {$600.00}
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Consumer 's Original Complaint : Started to book on line, decided to cancel, when I clicked the cancell screen went blank, phoned immediately told " nothing we can do '' billed me {$4200.00} On XX/XX/XXXX I went on XXXX XXXX site to book tickets to XXXX. Site gave a price of {$2800.00} so I input my information including credit card info. Then site added another {$1300.00} which was not acceptable so I clicked cancel, but the screen went black. I phone the company but was told there was nothing they could do. Called my credit card company who would not remove the charges because I had no invoice. I never received any tickets, invoice or anything. Obviously, I did not take the flight. Neither XXXX nor my credit card will remove the charges - I never authorized or finalized the transaction and have gotten nothing other than being billed. I want a full credit returned to my credit card and also credit for interest and fees since the charge. 

Consumer 's Desired Resolution : I want a credit of {$4100.00} and the interest that has been added to my credit card balance.
Consumer complaint received 2019-08-12
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)

I sent several letters via certified mail dating from XX/XX/2019 -XX/XX/2019 to Equifax to corrected erroneous information on my credit file. After they responded to me as verified, I exercised my rights under section 609. Equifax ignored my letter and responded again as verified. I believe that this agency is reporting information that can not be verified neither can I. I also asked for them to update my file with these items deleted and report to all credit bureaus of these erroneous items. Equifax failed to comply and disregarded my request for a credit report mailed to me after this dispute.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MD)

XX/XX/XXXX To CFPB, My name is XXXX XXXX and I have a mortgage account with Chase, though Chase was not my initial mortgage holder. My original mortgage has been sold off twice, before ending up with Chase. On XX/XX/XXXX I notified Chase Mortgage Escrow Department ( by letter ) that on XXXX XXXX, XXXX I switched homeowner 's insurance coverage from XXXX XXXX to XXXX at considerable savings. My previous annual homeowners insurance with XXXX XXXX was {$2200.00} ( was cancelled XXXX XXXX, XXXX ) and my new homeowners insurance coverage started same day with XXXX insurance at {$1500.00} annually. That's a {$690.00} difference/reduction in annual homeowner 's cost, thus a {$690.00} reduction in escrow charges over a year 's time. 

In response to my XX/XX/XXXX, letter to Chase, I received a letter back from Chase ( on XX/XX/XXXX ) saying Chase mortgage company would do an escrow analysis of my account effective with my XX/XX/XXXX. It is now XX/XX/XXXX and I have the following COMPLAINTS against Chase. 

In my XX/XX/XXXX Chase mortgage statement the bank only dropped my overall monthly mortgage payment {$14.00}. From {$3000.00} in XXXX to {$3000.00} which is a " gross '' miscalculation. Due to the fact that my overall mortgage payment should be dropped to {$57.00} monthly or {$690.00} annually due to lower escrow charges/homeowners insurance reduction. 

A phone call to Chase escrow department on XX/XX/XXXX did nothing to correct their mortgage billing error and furthermore leads me to believe Chase is " intentionally '' overcharging unnecessary principal, interest and escrow fees to inflate their total monthly charge. Since day one of my mortgage I've paid all monthly bills on time. Never missed a payment. Since day one of my mortgage has had a locked in " mortgage rate ''. And since Chase has taken over my mortgage my " real property taxes have dropped significantly from XXXX to XXXX. Furthermore my " real property taxes '' will not be reviewed again until XXXX. 

Chase has no right to reduce my monthly mortgage payment by only {$14.00} a month or {$170.00} annually when they were notified by XXXX that my homeowners insurance dropped {$57.00} month or {$690.00} annually in XXXX of this year. Furthermore Chase has not offered me a " refund check '' for over billing me the last six months, once they were notified by mail of my XXXX homeowner 's reduction cost. 

So going forward I request CFPB bring this " escrow over billing charge '' to Chase attention and do everything in your power to correct this matter. Big banks do not have the right to over charge mortgage holders, especially those who make timely payments and give proper notice when there is close to {$700.00} reduction in homeowners 's costs from year to year. 

Thank you XXXX XXXX
Consumer complaint received 2019-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Had a home in another state while in XXXX, took care of it when got XXXX ( sold it ) however XXXX XXXX turned me in as bad credit while in the process of selling! They added charges and what ever he could because they knew it was being paid off!!!! 
On the statements it said I had 6 % interest, when got payoff, said I had 6.875 %? don't know why it changed!!!!!!!!!!
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (FL)

NATIONWIDE RECOVERY SY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1400.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2020-11-10
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. (FL)

This is my final request about your responsibility to remove accout which is not mine. 
Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes. I look forward to a timely and amicable resolution to this matter.
Consumer complaint received 2019-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

To whom this may concern, In 2012 I believe I XXXX Discover card was placed in my name. I have working to get this off my credit for a while. I would receive calls and bills regarding this card but never knowing where it came from. I also tried to pay on it since the bill came in the mail, but it kept being used over and over again. I want this card off my account.
Consumer complaint received 2019-08-12
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: LEXISNEXIS (IL)

I have a problem with LexisNexis they will not provide me proof of verification for my public records accounts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A )  and Bankruptcy Court you are required by federal law to Verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. LexisNexis has valeted the law and must delete the accounts on my public record. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an Original Consumer Contract with my Signature on it ) you have on file of my public records Bankruptcy Chapter XXXX as well as Chapter XXXX. I have enclosed a letter requesting method of verification of the accounts as well as a letter for the XXXX Federal Bankruptcy Court stating they do not provided any information to third party LexisNexis about any and all public records. Also my Social Security Number is not listed and my address is incorrect on the public records findings.
Consumer complaint received 2017-12-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Turner Acceptance Corp. (IL)

I went to purchase a car the loan application was submitted to 2 companies 1 accepted on XXXX XXXX XXXX.turner acceptance turned around after I had already been approved for a loan by another company. They ran my credit again on XXXX XXXX XXXX. When I saw it I contacted them and asked them to remove it the staff member I spoke with said that they could not remove it and I asked her why would they wait 6 days after the first inquiry would they run a second one it is on my XXXX and XXXX report and they have not made any attempt to correct it.
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc. ()

Dear XXXX I am an American living in XXXX. I moved here in XX/XX/XXXX. I have not visited US since that day. I received a letter, enclosed from I.C. System Inc, which purports that I have an outstanding debt of XXXX dollars for XXXX XXXX and have not paid this since XX/XX/XXXX. It was sent to an address in XXXX XXXX, Texas, belonging to my aunt, whose address I have given ONLY one company, XXXX XXXX Mortgage, since they needed a US address to process my XXXX mortgage modification, and would not allow me to use my XXXX  address. I use my XXXX  address with my credit card and checking account, also with XXXX XXXX. 

My issue is this : I used to use XXXX for my cell phone and XXXX needs since the year XXXX until I left the US to XXXX in XXXX XXXX. I have since used a XXXX provider for my data and XXXX needs. Second, XXXX XXXX  does not sound like a real company, they are trying to impersonate XXXX XXXX XXXX XXXX, which as you can see is spelt differently. Lastly, I have seen IS Systems is a XXXX XXXX, MN based collection agency, but I am not sure if the letter is sent to me by that company and I am afraid to contact them and give them any of my personally identifiable information for fear it is identify theft. 

I am requesting that the CFPB verify if this is a real communication from IC System , Inc and why this was sent to my aunts address in Texas, when this is not information available to anyone else but XXXX XXXX Mortgage. I believe CFPB must investigate IC Systems, and XXXX XXXX as it would seem that XXXX XXXX has in some way given my personal information to someone who is now using this infromation to either get XXXX dollars from me or get into my personal accounts or both. 

Thank you
Consumer complaint received 2022-04-02
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXXXXXX 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 2023-03-29
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. (OH)

No medical release to collect on this debt either No information given regarding the account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported. It's been 6 months and no information given. No medical release to collect on this debt either. The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account.