davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MD)

This letter is regarding account # XXXX, which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Consumer complaint received 2018-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ISIS SECURITY INFORMATION SYSTEMS INC. (PA)

Collection agency showed up on my credit report. I don't know who the physician 's office is, but I had medical insurance at the time and I've not lived in Maryland since XX/XX/2012. I disputed it with XXXX but my dispute was denied Have a question? 
XXXX XXXX XXXX XXXX are accounts that are seriously overdue and may have been turned over to a collection agency. 
Learn More Account Name XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Open Date XX/XX/2012 Balance {$380.00} Debt {$380.00} Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NC)

I inherited my home from my mother when she passed away in XXXX, XXXX. I am the sole owner and only heir of my home and have been living here since XXXX. The home has been in family since XXXX. I took over the payments after my mother passed away, and paid for several years. I was the executor of her estate. I lost my job because I contracted XXXX, and was hospitalized and unable to work for a time. I couldn't catch up the mortgage because of my illness. My mortgage was initially serviced by XXXX XXXX XXXX. Servicing was transferred to XXXX XXXX in XXXX, XXXX, where I submitted a request for a loan modification. After having to resubmit documents for the loan modification several times, servicing was transferred to Fay Servicing during the process. I applied for another loan modification with Fay Servicing and was approved a modification so long as I made the trial modification payments. The payments were due in XXXX, XXXX and XXXX of XXXX. 
I made my first two trial payments for XXXX and XXXX of XXXX. I tried to make my third and final trial payment in XXXX of XXXX, but the servicer 's system was not set up to take the last payment. Fay Servicing gave me the option of either paying the trial payments online or calling them in. I called in the previous two payments for XXXX and XXXX, XXXX without an issue. In XXXX, I tried to call in the payment, but no one answered the phone at Fay Servicing. I had called on XX/XX/XXXX and spoken with a representative to let them know that I would be making the last trial payment before the end of the month. The representative didn't indicate that they would be closed on the XXXX and unable to process my payment. On XX/XX/XXXX, I tried to call in my last trial payment of {$560.00}, but they were closed. I also tried to pay it online on Fay Servicing 's website, but was unable to make my payment because their system wasn't set up for online payments. I kept trying to make a payment, but was unsuccessful. I finally got through to Fay Servicing on Monday, XX/XX/XXXX and made my last payment over the phone and it was accepted. 
I didn't receive a final modification even after making all three trial payments, but was given a denial in XXXX, XXXX.
Consumer complaint received 2021-10-12
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: DISCOVER BANK (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Discover Financial. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$22000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I refinanced my house and have been waiting for my escrow account refund. The taxes were paid by my new loan company and Penny mac who is my old company also paid them The loan was paid off on XX/XX/21. XXXX XXXX sent the money back to XXXX on XX/XX/21 and Penny mac said they were going to send the money to us on XX/XX/21. I called today on XX/XX/21 and they still have not sent the money to us. I have called them 6 times and everytime they give me the run around.
Consumer complaint received 2023-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

A medical debt for {$80.00} from XXXX XXXX  XXXX. The original creditor was XXXX XXXX XXXX. I do not know of this creditor and the reason the debt is in my name.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION (CA)

Lobel Financial Corp knowingly financed a vehicle with motor problems, expressed during our interview. Subsequently, the XXXX XXXX XXXX failed SMOG. After communicating repeat SMOG failures, and unsuccessful repairs while making payments. I returned the XXXX XXXX to Lobel Financial Corp. 
Lobel sold the vehicle and charged off the balance of approx. {$4600.00}. 
Lobel refuses to update the incorrectly reported balance of approx {$4800.00} to all 3 credit bureaus.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NM)

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 2021-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

I have an old debt and the found I started working and started a garnishment. I am like " ok they taking an small monthly amount so is ok this will be paid and removed from my credit '' So now months later I check XXXX more closely and see they are $ XXXX over what my credit score reports... Now I go to the website of collection and the have reported I paid them {$400.00} over what is in my credit score but they say I still owe {$880.00} more and they can't do anything because a third company is handling my account and they closed the chat! 
I called the second collection agency XXXX XXXX XXXX XXXX and logged in my account with them but they refuse to talk just put me on hold for hours! 
Numbers : XXXX : {$1300.00} XXXX XXXX : already collected {$1600.00} say {$880.00} remind to be paid. 

Money garnished already in my statements : {$1800.00} XXXX XXXX XXXX XXXX XXXX website : no payment is recorded in their website!
Consumer complaint received 2024-03-05
Product: Credit 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: JPMORGAN CHASE & CO. (FL)

I booked a trip for my family XX/XX/XXXX to XXXX through Chase travel. I used them so I can utilize my points however I called XXXX  XXXX  to confirm my flight and they made me aware that my trip has not been confirmed by Chase and is not booked. 
I contacted Chase 3 weeks ago and have been calling them almost daily. 
They charged my card, they havent refunded it. They took my points {$1200.00} dollars and have not booked my flight. 

We are scheduled to leave on XX/XX/XXXX ( 2 weeks away and still no response, we have a lot of accommodations in place and need to finalize others. We need them to secure our flight asap. 

Thank you for your help, Sincerely, XXXX XXXX
Consumer complaint received 2023-01-30
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. (NY)

I was reviewing my credit report with the three credit agencies, XXXX, XXXX, & Equifax with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted more explanation on. 

I am not 100 % sure if the following accounts are accurate or indeed even mine. I received the disputes back and they did not provide any documentation stating these were indeed my accounts. 

I also noticed there are inconsistencies with what is listed per agency ( see attached documentation ). 

Per the Fair Credit Reporting Act whereby law, I have the right to challenge anything I am not sure is accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15. U.S.C. Sec 1681i ( a ) States if the credit agencies can not provide proof, the accounts must be deleted. I did not receive any proof or verification showing that the accounts were indeed mine.

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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act my rights were violated. 

Thank you so much for your assistance with this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-02
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: Experian Information Solutions Inc. (TX)

This complaint is a followup on previous Experian complaint # XXXX. Experian said the data furnisher verified that the disputed information was accurate as reported.???? How could anyone verify after reviewing the documents? Experian needs to review the following since XXXX XXXX XXXX XXXX refuses. XXXX  XXXX XXXX XXXX withholds information and drags any investigation 3 1/2 years later. Experian needs to be advised XXXX XXXX XXXX XXXX quickly calls everything a duplicate complaint as they will probably do with this complaint. EVIDENCE - Attached is two applications for two cars purchased in my name. Same day and same dealership. Both applications are incomplete. The phone number and email address is not mine. One is dated XXXX and the other is not dated. One list salary as {$25000.00} and the other list salary as {$300000.00}. One reflects self employed ; the other reflects employed. Credit report is dated XXXX ; one day prior of authorization. Neither was to be processed as reflected on the application and neither had permissible purpose to pull my credit. Then two fraudulent contracts were executed in my name.
Consumer complaint received 2020-12-02
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)

Ive disputed items on my credit report with Experian after contacting the collection company. The collection company never sent documents to me proving that I owed them anything. There is not a signed agreement or contract between me and the collection company. There is no cancelled checks. They dont have a copy of my state ID or anything proving that I owed a debt they are demanding that I pay. By law, contracts and or agreements with valid signatures are required to show that someone owes a debt. Bylaw, credit bureaus are required to furnish what they used to validate accounts on our report. Experian never sent me anything showing how items on my credit report were validated not verified or certified. Their actions and the collection company actions violates the FCRA. I will pursue legal actions against both companies if those items arent deleted from my report immediately. They will be required to pay {$2000.00} for each item incorrectly reported on my account. FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b )
Consumer complaint received 2023-04-04
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. (IL)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I have had an extended fraud alert on all three credit bureau reports for about 20 years. But in XXXX, Experian changed the alert and forgot to put a phone number in the alert. So, the fraud alert on my Experian report says to call me before granting credit, but provides no number. As a result, potential creditors can not grant credit to me because there is no number ; their only recourse is to get a report from one of the other bureaus. But, I have been denied credit because some creditors use only Experian. 

I wrote to Experian to ask them to update the alert and add my phone number on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have again sent a letter today. I spoke to a representative at Experian today ( finally ), and he said they are backed up, have " bugs '' in their system, and he has numerous complaints just like this, and they just can't get to it. That is not an acceptable response. 

Experian is in violation of the FACT Act ( Fair and Accurate Credit Transactions Act of XXXX, and I simply want them to comply in a reasonable time.
Consumer complaint received 2020-12-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (MI)

Our car was financed through Chase Bank. The final payment of {$360.00} was due on XX/XX/2020. On XX/XX/XXXX, Chase Bank withdrew {$360.00} from our credit union account instead. Additionally, after the final payment was debited, Chase Bank withdrew another {$360.00} from our credit union account on XX/XX/XXXX. This has left my husband and me with insufficient funds in our checking account to pay for other bills including our mortgage payment. 

In an attempt to rectify this, my husband contacted Chase Bank at ( XXXX ) XXXX on XX/XX/XXXX and again on XX/XX/2020. Both customer service representatives acknowledged the error was Chase 's and indicated the overpayments would be reimbursed in the form of a check, rather than a direct credit to our checking account. Additionally, neither would convey the time frame for reimbursement or acknowledge the urgency of reimbursing us. One of the representatives indicated that Chase would reimburse us for any credit union fees incurred, however would not say when such reimbursement could occur.
Consumer complaint received 2021-04-09
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: AES/PHEAA (MA)

Hello The fraud I experienced involves involves my student loans with the U.S Department of Education and Fed Loan Servicing. In 2018 ( I was recovering from XXXX XXXX ) and I was contacted by an agency that said their name was " XXXX XXXX XXXX. '' They also went by the name " XXXX XXXX XXXX. '' I am a licensed social worker in MA and this agency informed me that I was allegeable for a public service or loan forgiveness program, as I worked and continue to work for a non-profit. They had me complete some paperwork and then told me I was accepted for loan forgiveness and instructed me to stop making loan payments. I later learned that I had been scammed. They took money from me and I missed 4 loan payments that are now on my credit report. I did submit a " Direct Credit Dispute Form '' with Fed Loan Servicing and provided evidence of the fraud. Fed Loan servicing agrees that I was scammed but stated that I must contact FTC to make a report. I did submit a report with FTC - but it says clearly that its just for reporting but can not solve the issue. The FTC voice mail instructed me to contact Consumer finance to submit a report and provide evidence of the fraud.
Consumer complaint received 2018-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I have reached out to chase to apply for mortgage assistance numerous times since XXXX of XXXX XXXX. I have had multiple offers given to me for my house and every time we get close to closing on the home, something pops up on Chase 's part. One of the offers I received for my home was to go-ahead and do a short sale. I waited weeks for chase to respond and give us the go-ahead to move on with the short sale. As the closing date approached, I then find out my request was denied because HUD stated that chase failed to do their due dilligence. I could have sold my home months ago and avoided the hit the credit but because they seem to want to keep me looped into this foreclosure process, they are not approving any of my requests. 

Recently, I re-applied for mortgage assistance to see if I could apply for another short sale now that my foreclosure date had been removed. I sent in the documents on XX/XX/XXXX - I am working with an investor who has been calling chase on my behalf to see if they had assigned a manager to open up my case yet. The told me I needed to send in an offer for them to review anything. I sent in an offer with a contractors bid and an explanation of all the fixes the home would need. This was sent over and stated it was received in XX/XX/XXXX. We called today ( XX/XX/XXXX ) to see what the status was of getting a manager assigned and they said they are not going to assign a manager because there was a foreclosure date set for XX/XX/XXXX again after it had been removed on XX/XX/XXXX and told to me during a conversation on XX/XX/XXXX that there was no foreclosure date set. Chase seems to be playing a game in that they don't have their information straight and every time I call in, I get a different answer. I wouldnt be in this predicament if chase had completed what they needed to do and approved the offers I had received the first time around. I have received 4 offers on my home since XXXX of XXXX that meet what the principal balance is for my mortgage but they dont seem to care and are not taking my account seriously. My life is going to be severely impacted because of their lack of attention and their lack of caring for the customers they service. My son is a XXXX veteran and wants nothing more than to see his mother get out of this situation but I cant seem to get help from the company that says they are going to help me - they simple dangle a carrot in front of me offering to help and once there looks to be light at the end of the tunnel, they come up with some sort of excuse as to why I cant be helped. Their practices are very inconsistent and very unethical in the way they are managing their clients accounts. My loan number is XXXX. Please help me with the issue I am having with my servicer.