davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

My dispute was never with the charges on the bill. My dispute was with the validation of the charges being sold to the company XXXX and their right to collect. I have a {$0.00} balance with XXXX and this account is listed as A tax write off account with XXXX. What I asked for was the proper documentation and bill of sale of this debt to XXXX and their right to collect and also the write off documentation. I have received neither. No proof that the company legitimately sold this debt and no proof that XXXX has a legal right to collect. I also do not owe XXXX and have a {$0.00} balance letter from them stating that this account is in fact fully paid off which is why I wanted the removal of the account from my credit report and late payments removed. I did not ask for any payment arrangements because I am not in need of any, also I did n't ask for any changes to the account. I asked for the requested documents and it to be removed from me credit report in the certain requested documents were not provided. I believe all you sent me was the bill. I also asked for my signed contractual agreement with XXXX. I was not sent that either. I want to be sent MY ORIGINAL signed agreement tying me with XXXX along with the bill of sale for the account from XXXX to XXXX. If this account was n't sold properly then it would also be illegal collection on both parties and an improper write off.

It is within my rights under the FCRA to request the said  documents from above and also an obligation to provide that documentation if requestion. Final bills do not substitute as a bill of sale when requesting validation and/or verification. 

If I do not receive these documents, nor have this removed from my credit report Proper litigation will follow for not following the corporate write off procedures in place, along with billing me for an account without the proper contractual agreement and documented. 

Thank You XXXX XXXX
Consumer complaint received 2017-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

My home was foreclosed while I was in the loan modification process. I was denied one time and the second time, even though I furnish all the required documents, my home was foreclosed. The servicing company was XXXX XXXX, Chief Financial Officer, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. The Trustee was LAW OFFICE OF XXXX XXXX, as Trustee, XXXX XXXX XXXX  XXXX XXXX, XXXX, CA XXXX.
Consumer complaint received 2017-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Being billed for XXXX, every month, even after the fee was paid. This bill remains on my bill, and is mixed in with the other monthly bill. I need to have this fee removed from my bill. It was paid, a few months ago.The Navient people told me not to worry about it, that it was a service fee? a one time fee. There should be no such fees on a fed.financed student loan. I also need to have my payment reduced to severe financial difficulties.
Consumer complaint received 2017-10-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MO)

Hello my PayPal account was used to make an unauthorized transaction so I opened a disputed with PayPal and they decided that I personally made the purchase which in fact I did not it would be pointless for me to dispute it. However I can not get ahold of PayPal because they do not answer their phones ever! The amount was XXXX this happened on X/XX/17
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC (CA)

I have written the collection agency several times to dispute the debt, but they continue to harass me with calls and letters. My daughter was a patient at XXXX XXXX, XXXX, California. She has been going to the hospital since her birth due to XXXX XXXX XXXX. On XXXX XXXX, 2015, my daughter went to XXXX XXXX for treatment. My health insurance company ( XXXX XXXX ) paid the full contracted amount for services rendered on that day. Despite several letters to dispute the amount and cease and desist request, the XXXX XXXX XXXX has ignored my requests and continued to harass me. I do not owe the XXXX XXXX because my insurance company paid for services.
Consumer complaint received 2017-10-17
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. (MD)

The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXX report I got from my mortgage broker. As you can see in the  screenshot I highlighted, the credit bureau added a 90+ late payment date of XX/XX/XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XX/XX/XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XX/XX/XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect reporting.
Consumer complaint received 2017-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXX report I got from my mortgage broker. As you can see in the screenshot I highlighted, the credit bureau added a 90+ late payment date of XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XX/XX/XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect reporting.
Consumer complaint received 2020-07-12
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: EQUIFAX, INC. (DE)

Unauthorized inquiries on my equifax credit report that I did not authorized XX/XX/2019 XXXX XXXX, I did not authorize this inquiry. 

XX/XX/2019 XXXX XXXX XXXX  XXXX, I did not authorize this inquiry XX/XX/2019 XXXX, I did not authorize this inquiry
Consumer complaint received 2017-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my account on XX/XX/XXXX citing my high revolving credit account balance and previous history with them after issuing me a credit card. I tried to contact Chase in order to resolve the dispute as I have continually paid my credit cards in full at the end of every statement. Chase would no reactive my cards despite numerous attempts at discussing the matter with them. The cards Chase closed have yearly fees associated with them that I paid at the beginning of the year. Chase reimbursed me {$95.00} for the annual fee for my XXXX credit card, but not my XXXX XXXX XXXX.
Consumer complaint received 2017-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

A company called Capio Partners is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$370.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Consumer complaint received 2017-10-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (MA)

On X/X/17 I received a statement from Discover Student Loans which disclosed that I have only paid {$18000.00} and only {$1600.00} went to the principal of the loan. {$17000.00} went directly to the interest of the loan. My credit rating and my co-signer 's credit rating has been negatively effected. The company changes the monthly amount expected as the interest rates change. After paying {$18000.00} in one year, I feel their tactics are predatory and unconscionable. Federal student loans are regulated by the government for debt to income and options for repayment. Private loans such as this one, have managed to gone unregulated. Anytime I have attempted to reach out to Discover Student Loans they are unwilling to to find additional options to help. I have expressed numerous times that I am having trouble finding consistent full time work and that their payments are just too high.
Consumer complaint received 2017-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I got my first loan in XXXX. My loans have been sold to new servicers repeatedly. I had my interest down to XXXX at XXXX point but every XXXX time they resell my loans it keeps going up. It 's currently around XXXX. This ridiculous. Technically my loans were paid off by these companies who keep reselling my loans without my permission or knowledge I might add. How is this legal??
Consumer complaint received 2020-04-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (NJ)

A person with phone service at XXXX XXXX or another phone provider who is not related to me or affiliated with me is trying to steal from my beneficiary account at XXXX XXXX and PNC Bank. I believe that they are hoarding my money in other banks. My phone numbers are XXXX XXXX and XXXX.
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian report number XXXX dated XXXX XXXX, 2017 1 ) This report indicates I have two social security number variations. Please remove the incorrect number. The correct number is XXXX. I can not see the full numbers on the report because they are masked, however, I have only one social security number. 

2 ) This report lists two telephone numbers that are not mine. Please remove the incorrect numbers which are XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2017-10-18
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. (NY)

TransUnion transferred me five times two five different foreign Representatives that was unable to read unable to help me and continuously one by one they said the same exact line to me and forward me to the next person that said the same line over and over no one was able to help me I have for hard inquiries that I need removed
Consumer complaint received 2017-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

JP Morgan Chase via their attorney-in-fact, XXXX XXXX XXXX and their other attorney, XXXX, XXXX XXXX XXXX, had submitted a motion for summary judgement ( foreclosure ) against me and obtained a judgement from XXXX XXXX XXXX, XXXX XXXX on XXXX. I have been dealing with XXXX since 2009, having received the foreclosure summons XXXX after submitting the last payment of a six month trial modification on XXXX. The last modification payment was then returned with a letter stating " check does not reinstate loan ''. I also did a short sale in 2011 which XXXX had approved but then decided several months later that I needed to pay them XXXX in addition to the short sale ( I have this phone conversation recorded ). I hired attorneys in XXXX XXXX. 
The supposed original trustee was XXXX XXXXXXXX XXXX. My securitized mortgage was then transferred to XXXX XXXX in XXXX. JP Morgan Chase then transferred the servicing rights of such mortgage to XXXX in XXXX and now XXXX states they are attorney-in-fact for JP Morgan Chase Mortgage XXXX. 
The judgement they obtained was fraudulent and violations against XXXX, XXXX XXXX XXXX were made as seen in the answer to the original complaint ( filed with other people having the same common last name as myself as defendants ). The person who signed the affidavit testifying to the facts was supposedly a document specialist for JP Morgan Chase but as I recently found out, XXXX XXXX XXXX has never worked for JP Morgan Chase ( the motion with all of it 's violations plus the affidavit are attached ).
Consumer complaint received 2017-10-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (NJ)

Pressler and Pressler are suing me for a medical debt. I asked for debt validation they provided me with a statement with mine name and another indidual with the same last name. There is no patient identifier to link the amount to me. There is nothing from the XXXX XXXX stating I owe the balance claimed. This was an adjustment for being a provider. I am not responsible for this : XXXX XXXXXXXX XXXX paid the provider reasonable and customary fees.
Consumer complaint received 2017-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (MO)

Nearly XXXX years ago, while I was employed and insured by XXXX, I went to XXXX XXXX ER for food poisoning. I was never contacted about an unpaid bill. Only recently did I learn of an outstanding bill. This bill should have been the responsibility of my employer, as I had full medical coverage. I 'm no longer employed with XXXX, I was unaware of this debt, and it is now negatively effecting my credit. Had I been aware of the unpaid bill, it would have been paid years ago and my credit would not be suffering negative impacts.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX
Consumer complaint received 2023-04-04
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. (CA)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2017-10-18
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. (CA)

I submitted a dispute online to XXXX regarding several the XXXX times XXXX XXXX of CA is on my credit report. XXXX never removed any of the errors on my credit report and continues to erroneously report them which is having a grave impact on my XXXX XXXX The letter for Verification of Debt was sent to XXXX XXXX of CA in XXXX, XXXX and they never sent a response to me and continue to erroneously report many accounts on my credit reports.
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (MD)

Comenity bank-HSN -Card I had and paid off in XX/XX/2018. I called Community Bank and they no record of me owing anything. I have an old credit report stating it was paid. 

XXXX from XXXX has called me and my brother ( I don't know how he got his number ). He has threatened and continued to call and wants immediate payment. He is very nasty. His number is XXXX number says XXXX, NY. He needs to be stopped. He is scamming and trying to get money that is not owed.
Consumer complaint received 2017-10-18
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)

I submitted a dispute online to Experian regarding several the XXXX times XXXX XXXX of CA is on my credit report. Experian never removed any of the errors on my credit report and continues to erroneously report them which is having a grave impact on my XXXX XXXX. The letter for Verification of Debt was sent to XXXX XXXX of CA in XXXX, XXXX and they never sent a response to me and continue to erroneously report many accounts on my credit reports.
Consumer complaint received 2021-09-06
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. (MO)

On XXXX sent a letter to TransUnion disputing the validity of the bankruptcy they are reporting on my credit report. They responded with a letter stating they verified the item with the US bankruptcy courts ; however on XX/XX/21 I sent a letter to the US bankruptcy courts requesting if they can confirm or deny that their office reported a bankruptcy to the credit bureaus, they responded XX/XX/21 Please be advised the court has no interaction with any credit bureaus I also went to XXXX XXXX to dispute the item in question and on XX/XX/21 XXXX XXXX could not verify the item so they removed the bankruptcy from their database. 

I have sent proof to TransUnion showing that the US bankruptcy courts did not interact with the credit bureaus and that XXXX XXXX deleted the bankruptcy from their database, they were informed that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete the item in which is imploding on my ability to purchase a home and causing me to pay thousands of dollars in interest each year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Consumer complaint received 2020-05-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (TN)

American Express is constantly contact me about a past due debt that is past the statute of limitations I told them a while back to stop calling me and put me on the do not call list but yet instead they called again today. I told them that I was going to report them to the FTC for harassment and please do not call me again.
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (FL)

I have been in contact around XXXX or XXXX moths send about XXXX emails and about XXXX phone calls. 

This situation is about a lost credit I explained everything in great detail. At XXXX point I was everything has been determined that you are not responsible for any transactions in XXXX of my calls went regarding my new card replacement and more details regarding this situation. I was told as mentioned previously not to worry everything has been determined youre not responsible and you card was ship out. I received the card. 

Later I received a email saying that I was advised you are. I response and front that point forward. I was told that information was escalated. I don't receive any assistance on how to speak or communicate with that department all I received your claim was escalated. 

My last was today see below. 


XXXX XX/XX/2022 In other words is escalated to another department and you can't get them to provide any information regarding this situation or provide me a contact number. 
You refer me to a customer service department that they don't have access to this situation we go back and forth. 

I keep tell you this is very poor service and unprofessional service this is been going on for 4 months. 

You have broken laws pertaining customer protection act. Under many government agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

I requested a mortgage modification XXXX for my house from Carrington Mortgage. Carrington Mortgage was processing my modification request and moved forward with foreclosing on my property XXXX XXXX XXXX XXXX TN XXXX and they foreclosed onXX/XX/XXXX
Consumer complaint received 2017-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

getting multiple calls a day from XXXX. Claims to be Target credit card debt collection, but asks for my bank account number. They are relentless in calling and online it seems that tons of people are being called as well. I am worried someone naive may give them their information.
Consumer complaint received 2022-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (OH)

I have no contracts or agreements with CREDIT COLLECTION SERVICES. The company does not have my written consent to use any of my personal information. No consent is Identity Theft. That is a violation of the Fair Credit Reporting Act.