davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-11
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Volunteer Mortgage Loan Servicing (TN)

My property address is XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I closed on this property in XX/XX/2019. I went through XXXX ( XXXX XXXX XXXX XXXX ) for my mortgage. XXXX uses a regular bank ( XXXX XXXX ) to process the paperwork and approve the mortgage. My first mortgage payment of {$1100.00} was paid by phone on XX/XX/2019 to XXXX XXXX, phone number # XXXX, confirmation number # XXXX for Account number # XXXX. I received correspondence that all my subsequent mortgage payments for XXXX should be paid to Volunteer Mortgage Loan Servicing ( VMLS ), phone number # XXXX and my new account number will be Account # XXXX. On XX/XX/2019 my next payment of {$1100.00} was paid by phone to VMLS, confirmation # XXXX ( I spoke to XXXX XXXX and XXXX at VMLS in the processing of this payment ). My current credit report reflects that I was 30 days late in making my XX/XX/2019 payment. This is ABSOLUTELY erroneous! Therefore I am asking that you PLEASE contact XXXX  via Volunteer Mortgage Loan Servicing at phone number # XXXX to verify that account # XXXX was paid on time in the amount of {$1100.00} and that the 30 day past due reflected on my credit report for XX/XX/2019 be deleted and/or corrected. ( Please note that I have also paid VMLS on time for my XX/XX/2019 payment and am scheduled to pay my upcoming XXXX payment on time ). I have never missed or been late on any of my mortgage payments. I truly appreciate your assistance in this matter. If you need additional information regarding this dispute please contact XXXX XXXX at XXXX or XXXX. 
Thanks in advance, XXXX XXXX XXXX
Consumer complaint received 2020-11-24
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: JPMORGAN CHASE & CO. (FL)

On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX 
On XXXX XXXX, XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX 
On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (MS)

XXXX is in direct violation of 15 USC 1692 ( d ) ( 4 ) : The advertisement for sale of any debt to coerce payment of the debt.

According to the FDCA, this is a direct violation of my rights and I am entitled to collect damages, minimum {$1000.00} for every violation that XXXX has committed against me. 
Synchrony Bank has equally violated my rights specifically as it relates to the aforementioned law code. 
I request that the alleged XXXX account ending in XXXX is immediately removed from my credit report. Should a XXXX representative choose to deny this request, you hereby understand and agree that XXXX is liable for the damages that have occurred due to any and all violations committed by XXXX which shall be restored with monetary relief.
Consumer complaint received 2021-09-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (CO)

XX/XX/2021 - was contacted twice, once at XXXX and again at XXXX. Answered second call and asked agent what company she was with, she refused to provide that information until I verified my information with her. This company calls me multiple times a day, 7 days a week as early and as late as they are legally allowed to do. I've asked for the calls to cease, the company has my mailing address, and they continue to call despite this. Agent also refused to give an address to send a cease and desist letter to upon calling back.
Consumer complaint received 2021-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio recovery is constantly pursuing me for a debt I dont owe. I reviewed my report and have informed there company ( XXXX XXXX XXXX ) who alleges this debt originated with them. More baffling is why is portfolio recovery pursuing me for this allege debt when my report indicates this debt was sold to XXXX  XXXX XXXX XXXX NOT PORTFOLIO RECOVERY ACCOUNT. Please delete this account from report there is no validation of debt
Consumer complaint received 2020-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

This account had been deleted by experian and it has the wrong ssn on this account and the wrong balance. 
Also this account has never been verified the bureau has only sent me a copy of a bill this is not validated that the debt belongs to me or that they own this debt. 
This account keeps coming back which is violation since I never get notified
Consumer complaint received 2023-01-11
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX  15 U.S.C 1681c. section 602 A. States I have the right to privacy.

15 U.S.C 168 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 ) 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 2021-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (AR)

I have been purchasing crypto on Coinbase pro since around XX/XX/2021. My investment total should be well over {$8000.00}. My portfolio is not showing the right balance.. I reached out to there support and they have not tried to rectify the situation.
Consumer complaint received 2023-01-11
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. (VA)

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that Experian is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. Virginia XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX Bank XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( XXXX ) guidelines as XXXX states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. Thank you for your time and help in this matter.
Consumer complaint received 2022-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

For my XX/XX/2022 payment, I paid the previous due amount of {$1800.00} by XX/XX/XXXX. However, my bill amount had increased due to a change in ESCROW and the amount due was {$1900.00}. The company " held in suspence '' the money I sent in, then waited until the XXXX ( confirmed by their customer service ) to generate a letter to notify me of the issue, which was then mailed. They did not attempt to email me which is my preferred method on contact. I believe this was in an attempt to push me past the XXXX so that they could 1 ) charge me a late fee ( waived because I called ) and 2 ) increase the daily balance of my loan, therefore increase their interest collected. Fortunately for me, I believe I did receive the letter in time to bring the account current before any damage may be done to my credit report. However, given the intentional slow nature of their notifications. I believe there was intent to push my account late and possibly past due 30 days. This apparently happens regularly per my conversation with their customer support agent. They are also using the customers partial payments to earn interest and charging customers additional interest on payments made but not applied to their loans.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

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 has violated my rights. Or a list of inquiries : 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 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

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
Consumer complaint received 2021-09-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have repeatedly reported that there are FRAUDULENT items on my credit report and that they are in violation of FCRA regulations. 

There is an abundance of inaccuracies in my report. The attached accounts are reporting inaccurately and or erroneously. I have reported these in XXXX and XXXX of XXXX  with no rectification for the accounts. 

I have attached all three reporting agencies to show inconsistencies and FRAUDULENT negative accounts.
Consumer complaint received 2021-03-26
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. (FL)

I recently pull my credit and i noticed a few collections on my credit with banks that i have never did business with. I did not authorized any of these accounts on my credit report.i called transunion, XXXX and XXXX to inform them and i was told to send a identity theft report. None of these accounts listed are related to any transaction done by myself.
Consumer complaint received 2019-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2023-02-08
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)

I sent a letter on XX/XX/XXXX to remove the items that are UNKOWN to me. 
Here are the items that needed to be investigated : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

Hi, I have reached out to National Credit Adjustors on numerous occassions and requesting validation of my debt but they fail to produce any documents for the same but keep reporting it on my Credit report. They are highly unprofessional and extremly unhelpful. 
Below are the key details for this debt : 1. Amount owe : {$300.00} 2. Dates reached to NCA : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
3. XXXX  # XXXX. 

They keep saying they requested the document but its almost an year and they are not able to provide any documents. This need to fall off my credit report ASAP. Also, i am not sure but even if this debt is true which i highly doubt this is beyond the statue of limitation and can't be persued for by this collection agency.
Consumer complaint received 2017-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against LVNV FUNDING LLC
Consumer complaint received 2023-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX WAS REMOVED FROM MY CREDIT REPORT BY THE COMPANY ON XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, AND AFTER I SUBMITTED A COPY OF THE POLICE REPORT FOR THIS ACCOUNT TO ALL 3 CREDIT BUREAUS. THEY ALLOWED THE COMPANY TO PUT THE INFORMATION BACK ON MY CREDIT REPORT. THEY FILED A LAWSUIT AND THE JUDGE DISMISSED THE CASE DUE TO THE POLICE REPORT.
Consumer complaint received 2022-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (MS)

On Thursday XX/XX/XXXX I received my bank statements from Regions, XXXX XXXX Mississippi. I had already told them that I have no other bank cards check cards opened in my name but one, and they have not explained to me why the cards are opened. They hung up on me twice because they were stuck and could not answer the questions that I was asking them, so I will dispute them charges tonight is XX/XX/2022 my name is XXXX XXXX. I could be reached at XXXX Thank You
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

Back in XXXX of this year I applied to Quicken Loans to refinance my current mortgage with XXXX XXXXXXXX XXXX I gave Quicken Loans all the documentation including proof that XXXX XXXXXXXX XXXX  had erroneously listed a forbearance with the credit agencies when if fact it was a deferment. I even provided proof with a letter from XXXX XXXXXXXX XXXX indicating that they made a mistake and were in the process of correcting the listing with the credit agencies. Quicken Loans said they had to disqualify the loan based on the the forbearance, but I provided proof it was not. This is against the law.
Consumer complaint received 2023-01-11
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 — Investigation took more than 30 days
Company: R J Baucum Enterprises, Inc. (TX)

I am filing this complaint on XXXX because this agency has ignored my dispute I sent to them on two different occasions in regards to XXXX accounts from the same creditor that are violating my privacy and hipaa laws without my authorized hipaa release form consent. XXXX was the only other agency reporting XXXX of the accounts and XXXX has deleted the items. I dont know why XXXX refuses to delete the disputed items when they have been put on notice twice. 

XX/XX/XXXX i sent XXXX a dispute expressing that a hipaa release form was never signed or authorized for Edward Sloan and Associates to acquire my private medical information. 

XX/XX/XXXX i also sent Edward Sloan and Associates a letter in regards to the XXXX accounts they are reporting. Tracking XXXX XX/XX/XXXX Edward Sloan recieved my letter. 

XX/XX/XXXX XXXX  Deleted XXXX accounts. 

XX/XX/XXXX XXXX  Deleted XXXX of the account. 

XX/XX/XXXX XXXX Deleted the last remaining account on my XXXX file. 


I have yet to receive any results from XXXX or a response from Edward sloan till this day.

To my understanding once a modification has been made with one reporting agency, they are required to send the results to not only the furnisher of information but also to notify all other consumer reporting agencies on a nationwide basis. Why hasnt XXXX complied by deleting the same items being reported after receiving notice from XXXX  of the carbon copies. 

XX/XX/XXXX I got a updated report from XXXX  website and to my surprise these items are still reporting. I have given XXXX the respectfully time to conduct and investigation properly. If they conducted a investigation properly then they would know that these items should have been deleted a long time. And if they didnt conduct a investigation then XXXX is in violation for failing to investigate and reinvestigate items I brought to there attention on two different occasions. if you take a look at my recent XX/XX/XXXX report you will also notice that XXXX is not even reporting account numbers on some of the items. if the account numbers are reporting then its very clear that the accounts could not be verified. XXXX knows there policy but refuses to comply to federal and state regulations. 
I can not get XXXX attention and now I am asking for your help to settle this on going matter.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.