davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (LA)

Good Morning, I have being battle this issue since XXXX and this XXXX. This issues still haven't being resolved. I reached out to Experian multiple times to dissolve this issue. I sent this letter 30 days ago and NEVER received any information back. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX LA XXXX XXXX XX/XX/1991 Date:XXXX I see that you have reported inaccurate information on my credit report, and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Creditor : XXXX, XXXX Account : {$2500.00} Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions. 

I need some information asap. This getting very stressful and unbelief to handle Thanks, XXXX XXXX XXXX
Consumer complaint received 2023-04-07
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: ENCORE CAPITAL GROUP INC. (LA)

On XXXX/XXXX/2033 I received a collection notice from MIDLAND CREDIT MANAGEMEN in regards to doing business with XXXX XXXX in the amount of {$3500.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

THIS ACCOUNT WAS REINSTATED WITH XXXX IN XX/XX/XXXX ( SEE EXHIBIT " A ) THIS AMOUNT OF {$39000.00} INCLUDED ALL AREARS, COSTS & FEES IN THE UNIVERSE ) AND XXXX PAYMENT. SINCE THEN, I HAVE MADE TEN 10 ) PAYMENTS REFLECTING XXXX, XXXX - XX/XX/XXXX ( SEE ATTACHED ITEMS 1-10 ). ACCORDINGLY, I AM NOT REPEAT NOT BEHING IN ANY PAYMENTS. 
I BELIEVE XXXX IS CHARGGING ME FOR FEES THAT FROM THE PRE FORECLOUSURE THAT WERE ALREADY INCLUDED IN THE REINSTSTEMENT AMOUNT LISTED AT ( EX. ( " A '' ). HOWEVER, THESE FFES ARE NOT MORTGAGE PAYMENTS AND CAN NOT BE REPORTED AS PAST DUE.

FINALLY, THIS INCORRECT REPORT IS CAUSING ME LACK OF ACCESS TO CREDIT, CAUSING DUE HARM, MISSING FINANCIAL OPPORTUNITIES, EMOTIONAL DISTRESS.BE PUT ON NOTICE ACCORDINGLY.
Consumer complaint received 2024-02-22
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. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-11-12
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: Credit Karma (GA)

I am a victim of identity theft. My social security number is XXXX. I recently learned that my personal information was used to open an credit karma account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that credit karma me of all charges on the account, and that credit karma take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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 2017-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

This is an invalid debt and I am requesting help to resolve this matter. I have been receiving calls and have received 3 letters in the mail regarding this invalid debt, see attached documents. The dates of the letters were : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Portfolio Recovery is illegally calling me and sending me fraudulent paperwork regarding an invalid debt. They have violated the Fair Credit Report Act by attempting to collect an invalid debt that is past the statute of limitations. The original debtor is XXXX XXXX and the debt is from XX/XX/XXXX and was cleared from all three of my credit reports in XX/XX/XXXX. The amount owed is incorrect, I do not owe this debt. They are also breaking laws and calling and harassing me several times a week even though I clearly told them the debt was invalid and to place me on their do not call list. They repetitiously call and annoy me several times per week, see my list of numbers and dates below. Whenever they call they never identify themselves and I have to blatantly ask who is this? Calling from where? It is causing XXXX  XXXX and I suffer from XXXX as well. Here are some of the dates and numbers they have called from : XX/XX/XXXX ( Thursday ) XXXX Portfolio Recovery Assoc . ( XXXX ) XXXX XXXX XXXX, CA XX/XX/XXXX ( Tuesday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX , CA XX/XX/XXXX ( Thursday ) XXXX PRA ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XXXX, FL XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, XXXX XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Wednesday ) XXXX PRA , XXXX ( XXXX ) XXXX XXXX , TX XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX, MD XX/XX/XXXX ( Monday ) XXXX PRA ( XXXX ) XXXX XX/XX/XXXX ( Saturday ) XXXX PRA ( XXXX ) XXXX XXXX XXXX, MO XX/XX/XXXX ( Friday ) XXXX PRA, XXXX XXXX. ( XXXX ) XXXX XXXX, TX XX/XX/XXXX ( Saturday ) PRA XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( Thursday ) XXXX PRA , XXXX ( XXXX ) XXXX XXXX , IL XXXX/XXXX/XXXX ( Thursday ) PRA using some man 's number when I called back to verify ( XXXX ) XXXX he has been getting scam calls too and we have no idea how they used his number XX/XX/XXXX ( Friday ) XXXX PRA ( XXXX ) XXXX XXXX, OH XX/XX/XXXX ( Monday ) XXXX PRA using man 's number ( XXXX ) XXXX XX/XX/XXXX ( Friday ) PRA ( XXXX ) XXXX tried to call back but just busy signal I am requesting help resolving this matter as quickly as possible. I wish to no longer be contacted by Portfolio Recovery Associates, LLC regarding this invalid debt via phone or mail. Thank you for your help.
Consumer complaint received 2017-09-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (NV)

Recently moved and received new land line phone number approximately one month ago. Allied Interstate ( according to my Internet research, this is a debt collection agency ) calls almost every weekday for several weeks ( from one to four times a day ; my phone keeps a record of each call for the last 2-week period ; see attachments for screenshots ). I assume that they are seeking to speak with the prior owner of my new phone number. I picked up one call and asked for the name of the caller and purpose of the call. The caller identified himself as XXXX XXXX and refused to provide the purpose of the call indicating that it " was against the law '' to provide such information. He insisted on obtaining information from me. I refused. Calls continued to come, unabated. The company is calling from phone number : XXXX.
Consumer complaint received 2020-09-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

Some time in XX/XX/XXXX, XXXX XXXX sold my mortgage to XXXX. I did not authorize this, initiate or suggest this change. My mortgage was with XXXX XXXX since XXXX. When XXXX sold this mortgage, they closed my account. This caused my mortgage history to be eliminated with the credit bureaus, and showed up on XXXX XXXX, and Experian as a closed account. I did not authorize nor request the account be closed. 

This change also resulted in a 69 point drop on all my credit reports. When I called to dispute this, XXXX said there was nothing they could do about this, and to keep paying on time as I have been doing, and the score would rebound. 

This is absolutely absurd. I work hard on paying my bills on time in an effort to keep an outstanding credit report. 

Please address this situation. It's devastating to see your credit score is in the 700 's, but a business takes this action, dropping your score to 600 's, and the consumer has no say in the matter.
Consumer complaint received 2017-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Chase is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her loss mitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ).
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XX/XX/21 I requested a loan from XXXX XXXX and was approved. XXXX $ was deposited into my account. When I tried to access my account it had been like I recently got out of a messy relationship so when I tried my password several times my account was then locked previously I have been using my face recognition to open my account and it has worked for the last 7 to 8 months upon speaking with a representative at wisely on the phone I was instructed to send several documents proving who I was my account was open later the same day. I was cut a check for {$470.00} the amount of the loan I was able to cash it by luck that I had to blank check That was sent the very first day I got my card so I cashed it and the next day I got my unemployment check deposited. ( XXXX $ XXXX I called to expedite my card and was charged {$35.00} My card never got delivered so I called wisely to please give me a refund while doing so I was asked for a security freeze which I have never been asked for before I dont remember the security freeze even if I did put it. I still have access to my web application and in charge of everything passwords phone numbers emails and have all that I have given them all the documents that I can and they are still holding my money it has been three days I have yet to be an issue a refund and they will not let me access my account I have called over and over I told him that I need this money to pay my bills and they keep telling me to wait another 24 hours Ive been hung up repeatedly on by different supervisors and would like you to ask them for the records so you can see how rude they were to me I got upset a couple of times asking him if theres anyway that they can help me to get my money I told him I was willing to go to the police station to verify my account a bank anythingXX/XX/XXXX they did not offer any other solutions. I think it is funny how when I asked for a refund on there overnight delivery fail I was asked for the first time ever if I knew my security phrase for the account. I ordered the card replacement wed. And have yet to receive it here on the following Monday. And still no refund. Can you please advise these people to open my account and refund my money. Please investigate. I would call and they would tell me. I know who you are I cant help youthank you for your time and concern
Consumer complaint received 2021-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

On XX/XX/2021 I reviewed my credit reports and noticed a medical collection being reported to all three credit bureaus by ARS Account Resolution. I wrote them a " Certified Letter '' on XX/XX/2021 asking them to " Validate '' this collection account that they reported under my name and social security number. I was very specific in pointing out that this was not my debt and that I'm requesting that they provide me with documentation to validate this. On XX/XX/2021 I received a one ( 1 ) page letter from ARS telling me who they represent and that they verified the information with their client and confirmed it. I wrote them again on XX/XX/2021 via " Certified Mail '' letter two ( # 2 ) and indicated to them that the information that they provided was " Unidentifiable '' to me. I also indicated that they " Did Not '' provide me with any " Validation. '' I then received another letter from ARS dated XX/XX/2021, with the exact verbiage as their letter dated on XX/XX/2021. Finally, I sent a third letter ( 3 ) dated XX/XX/2021 via " Certified Mail '' letting them know that if they could not " Validate '' this collection in which they have placed on my credit files, they need to remove it immediately. As of this date, XX/XX/2021 they have not responded and this " Unvalidated '' collection is still reflecting on my credit file. 

They are in direct violation of the FDCPA Sec 809 ( a ) ( b ) and the FCRA Sec 623.
Consumer complaint received 2020-11-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NV)

XX/XX/2020 @ XXXX ct, I noticed an email stating I made a transaction of {$2000.00} to an unknown person named XXXX XXXX through my Chime Account @ XXXX ct. The money was taken from my savings, to my checking, then transferred my {$2000.00} into their account. I dont know a XXXX XXXX, nor did I make any transactions. I couldnt log into my account easily either, I had to re-enter my email & password 3 times instead of my 4 digit pin. I called Chime and told them, I asked them to place a hold on the account for stealing {$2000.00} from me without me knowing. They told me to change my password, lock my card, & file a dispute but wouldnt temporarily place a hold on the thefts account. I filed the dispute but cant wait 2 weeks for a decision when it can be settled in mins. All Chime has to do is place a hold on this XXXX XXXX XXXX XXXX account, investigate the theft, but they choose not too. It feels like my account was hacked or an inside job too be honest!
Consumer complaint received 2017-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Law Offices of Robert A. Schuerger Co., LPA (AZ)

I have been receiving student aid to attend classes full time since the XXXX of 2012. There is an old XXXX loan that showed up on my account and has been included in the total of outstanding loans. A law firm has taken the loan and put it into default status which has put a hold on my student aid for this Fall semester. I am on the XXXX XXXX XXXX at XXXX XXXX University with a XXXX GPA. I have XXXX classes remaining to graduate. If I do n't get my student aid, I can not take my classes which I 'm registered for and ultimately wo n't be able to graduate. There is currently grant money sitting on my student financial aid which can not be released because of this. I 've contacted the original loan servicer which is XXXX XXXX University, they told me to contact the Ohio Attorney General 's office and they directed me to the law firm. The law firm is Law Offices of Robert A. Schuerger Co. , LPA, at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ohio XXXX. XXXX. They told me there was nothing they could do and that I had to repay the entire loan plus extra fees and interest. The total amount is impossible to pay and I explained that I 've been enrolled in school full time for 5 years. In addition to that, the loan shows up on my list of loans two times with one showing default and the other as deferred. This also increases the total of my outstanding debt. If this is n't resolved so I can graduate, I 'll have wasted 5 years and gone into deep debt with no hope of getting a better paying job which would also enable me to pay off all of my student loans.
Consumer complaint received 2023-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

I open a mortgage with XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX XXXX, CO. The house I bought was appraised for {$580000.00} on XX/XX/22 and I purchased this home on XX/XX/22 for {$400000.00}. My parents owned the home before me and gave me {$170000.00} equity in the house. This resulted in 69 % equity. The mortgage was then sold to Dovenmuehle who uses a 3rd party company for their customer service, XXXX XXXX, and they will not let me talk to anyone at Dovenmuehle. I'm trying to get them to drop my MIP or mortgage insurance premium. I am well below 80 % of the loan value on my principal I owe and I came to the table with over 20 % equity. I have even hired an attorney and they haven't responded to the letter he sent. The mortgage company knows I won't refinance because the interest rates have gone up so much and now they can control my payment when I shouldn't have to pay mortgage insurance. The reason for mortgage insurance is to protect the mortgage company in case of default and there is no risk to them when I'm at the equity position I'm in. I have even paid Devnmuehle to do another appraisal and they haven't done anything. That money is sitting in escrow. I am desperate for someone to answer me and help me remove mortgage insurance. I pay my payments on time and I fell like I'm being taken advantage of since the mortgage amount and the appraisal are where they are. I have talked to them probably 10+ times and get no where but to email someone and I have received one response saying something like I would receive a letter. I never talk to the same person and I'm not even talking to Dovenmuehle. Is there a way to talk to someone at that company to help me? Anything you can do would be very much appreciated and I can supply all emails and the attorney letter. Thank you, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX
Consumer complaint received 2021-08-10
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: CCS Financial Services, Inc. (TX)

My credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly being violated.
Consumer complaint received 2020-09-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Some time in XX/XX/XXXX, XXXX XXXX sold my mortgage to XXXX. I did not authorize this, initiate or suggest this change. My mortgage was with XXXX XXXX since XXXX. When XXXX sold this mortgage, they closed my account. This caused my mortgage history to be eliminated with the credit bureaus, and showed up on XXXX, Transunion, and XXXX  as a closed account. I did not authorize nor request the account be closed. 

This change also resulted in a 69 point drop on all my credit reports. When I called to dispute this, Transunion said there was nothing they could do about this, and to keep paying on time as I have been doing, and the score would rebound. 

This is absolutely absurd. I work hard on paying my bills on time in an effort to keep an outstanding credit report. 

Please address this situation. It's devastating to see your credit score is in the 700 's, but a business takes this action, dropping your score to 600 's, and the consumer has no say in the matter.