davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc. (TX)

This company ( commonwealth financial ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : XXXX XXXX XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <XXXX XXXX XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
Consumer complaint received 2021-08-11
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. (FL)

to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXXXX/XX/2019 for XXXX, XXXX XXXXXXXX XXXX XXXXON XXXX XXXX FOR {$1700.00} THIS IS A HIPPA VIOLATION, I HAVE NOT GAVE THIS COMPANY TO RELEASE MY PERSONAL INFORMATION ... BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX  TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, XXXX XXXX XXXX XXXX XXXX : {$590.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$79.00}.
Consumer complaint received 2020-09-21
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. (FL)

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

US Bankruptcy CourtMiami XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : ( XXXX ) XXXX Case or ID # XXXX Disposition DISMISSED Bankruptcy Filed Date Filed XX/XX/2014 I have contacted the court and verified they do not provide any information to the credit bureaus. It is the credit bureaus responsibility to DIRECTLY verify this information. This has not taken place. Verification by XXXX is not appropriate.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

Good morning, back on back on XX/XX/XXXX i submitted a complaint to XXXX about a debt not owed. The company did respond back and say that they had got with there client and that a deletion of the account was processed on XX/XX/XXXX to remove the collection from all 3 credit bureau 's which they did. i get an alert that the collection has been added back to my credit for the same issue. Guys i need this to stop happening and not trying to keep adding this to my credit. This issue has to stop as it's already been decided that this is something i do not owe. Please kindly remove this ASAP This is the company 's response back on XX/XX/XXXX XXXXompany 's Response Good day, After thorough review of your complaint, please be advised that we have reached out to our client in regards to your claim. A deletion of our account was processed on XX/XX/XXXX to remove the account information from your credit file. Please note, once we submit the request to the credit agencies, it may take up to 60 days to reflect the update to your credit. On behalf of Sequium Asset Solutions , LLC I would like to apologize for any inconvenience this may have caused. Thanks, XXXX XXXX XXXX XXXX Sequium Asset Solutions , LLC
Consumer complaint received 2020-05-07
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

I have repeatedly complained to the company since they bought my loan XX/XX/2019. My chapter XXXX which did not include my mortgage discharged XX/XX/2019 and they will not report my zero missed or late payments each month. They added a prepayment penalty which I do not have. I am short on escrow because they refuse to do an analysis and recalculate the higher yearly property taxes. Thats a short list of issues since they bought my loan last Fall.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Rushmore Loan Management Services, Account Number : XXXX XXXX XXXX, As of/Effective XX/XX/2020, is reporting inaccurately and has flagged my credit report. They are reporting on my credit report " Bank XXXX in XXXX Liquidation '' This information is FALSE My Divorced/Estranged spouse is currently in Chapter XXXX BK, Case No : Bk:XXXX His Name is XXXX XXXX XXXX I contacted Rushmore and advised them they have incorrectly flagged my account Requested them to " please remove '' They confirmed that according to their records they do in fact show XXXX XXXX XXXX currently in Bk, payments being satisfied through the BK Nothing has been done to correct my credit by removing the flag. 
As a result, my credit score has drop and I have received negative credit standing and loss of credit and money.
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (GA)

XX/XX/2022, I had XXXX different transactions that equals up too XXXX dollars locked in my google pay account and I am a XXXX tXXXX and when someone sends me payment and I release there XXXX to them and those XXXX transactions were from me XXXX  I released peoples XXXX and then received the payment but there not letting me transfer my money out my account and they have locked my account or made it too where I cant verify my account that way I cant receive my money. Meaning my money is locked in my google pay account
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.
Consumer complaint received 2019-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CMRE Financial Services, Inc. (TX)

This company ( CMRE ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Texas this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Texas. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Texas Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. 


Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ). 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ;
Consumer complaint received 2020-11-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

There was a hard inquiry on my credit report from XXXX, I reached out about what it was for. I was advised it came from Bank of America Mortgage loans, but I never submitted any information to Bank of America. I was unaware that my credit was impacted from this fraudulently unauthorized report until I recently checked on my credit report.
Consumer complaint received 2023-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

this capital one account suposedly created on XX/XX/2021 i the result of unauthorized use of my personal info. i have not authorized a capital one account XXXX to be created or furnished i need this to be disputed as fraud and needs to be removed from my credit file immedielty! 



Notices of Disputes from a XXXX XXXX XXXX Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) Direct Disputes from Consumers Section 623 ( a ) ( 8 ) ; 15 U.S.C. 1681s-2 ( a ) ( 8 ) ; 12 CFR 1022.43 If procedural weaknesses are noted or other risks requiring further investigation are noted, such as a high number of consumer complaints regarding the accuracy of their consumer report information from the entity, select a sample of reported items and the corresponding loan or collection file to determine that the entity : d. furnished a notice to a consumer reporting agency of a dispute in situations where a consumer disputed the completeness or accuracy of any information the entity furnished, and the entity continued furnishing the information to a consumer reporting agency. Section 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] ; If weakness within the entitys procedures for investigating errors are revealed, review a sample of notices of discputes received from a consumer reporting agency and determine whether the entity did the following : d. reported the results of the investigation to all other nationwide consumer reporting agencies to which the information was furnished if the investigation found that the reported information was inaccurate or incomplete ( Section 623 ( b ) ( 1 ) ( D ) ) [ 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) ] ; and e. modified, deleted, or blocked the reporting of information that could not be verified.
Consumer complaint received 2022-10-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

On XX/XX/2022 I started a consolidation application with XXXX XXXX. They have reached out several times ( now 4 since XX/XX/2022 ) to American Education Services ( my current holder ) for my loan payoff information and AES will not respond with what they need. This is almost 30 days later and time is of the essence. 

Also I asked that AES update my file to show that in that forbearance period due to consolidation and they have failed to do so. 

AES should be sanctioned and made to follow through with my request.
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I received two letters from Portfolio Recovery stating that I owed {$650.00} ( {$320.00} for each letter ). I responded that the debt was not mine. I asked for debt validation, but no response. The debts were sent to the XXXX XXXX XXXX I disputed with the bureau but it came back as verified. I contacted Portfolio Recovery again asking asking for debt validation, but no response. This has been an ongoing problem.

Because this is hurting my credit score and preventing me from getting cars at a low interest rate quality credit cards.
Consumer complaint received 2023-08-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Mortgage Settlement is what I am waiting for. They contacted me 5 months ago that they would let me know if I was eligible. Have not heard from them since. I should be eligible. They had me send in 3 sets of paperwork before foreclosure. They gave me the run around.
Consumer complaint received 2021-08-11
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: TekCollect Inc. (TN)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXXhirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc. (CA)

I have received multiple inquiries from payday loans on my clarity report. Someone seems to be searching to use my identity to acquire credit. Please remove all inquiries issued from XX/XX/2023. Screenshots are attached of the unauthorized inquiries. I also attached the identity theft report previously filed related to my id theft filing
Consumer complaint received 2017-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

I recently had my credit pulled and noticed that this account was still on my credit report. I know for a fact they are reporting inaccruate information and I even filed a complaint with the attorney general in texas which as ignored and a BBB complaint. I looked up more information about this account and noticed that they are reporting inaccurate information and are not compliant with XXXX XXXX reporting. This account should not be on my credit and the biggest thing is that the late report date is XXXX 2013 when I have disputed it several times after that which means nothing was ever done or investigated.
Consumer complaint received 2020-05-07
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: CITIBANK, N.A. (VA)

Goal : Receive a balance refund from CITI COSTCO ANYWHERE VISA CARD for my negative balance of $ XXXX for which they are refusing to refund me. 

Background : On XXXX XXXX 2020 I booked a trip with XXXX for an - All-Inclusive stay in XXXX XXXX for my family of XXXX ; Departure was Sun XXXX and Return Fri XXXX Booking ID : XXXX ( XXXX ) There were 2 parts to the trip : 1. Hotel Reservation - For which I have received a full refund through the credit card company - About {$3000.00} 2. Flights with XXXX XXXX - About {$3000.00} - XXXX XXXX informed us that the flight were cancelled to XXXX and that if we wanted a refund we should contact XXXX. I tried to contact XXXX  and they said via voicemail and posted on their website that they are not responding to any call or request, and that everything needs to be handled with the credit card company. 

I have already paid for this balance so I want my money back. I have contacted via phone and chat CITI multiple times, they refuse to send me my refund, they keep saying that they have to work it with XXXX, so they are just sitting on my money that I paid, they are not paying it to XXXX and they refuse to refund me. 

For over 2 months now I am carrying a negative balance of over {$2900.00} because I paid my credit card balance months ago, have been fighting with CITI and they are evasive and non-responsive and keep denying my request.

This is a time of crisis, CITI is holding my funds for multiple months now, they don't pay me any interest on it and I can't invest it. And XXXX seems to have already indicated that they will not respond, they officially posted it on their website and will not answer the phone.