davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

Dear RESURGENT CAPITAL SERV ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2017-12-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I 've tried to get this item remove, but this company keep giving me the go around. Since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-04-02
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: EQUIFAX, INC. (FL)

For one account ( XXXX XXXX ) it is reporting that my last payment was made on XX/XX/XXXX and that the account was closed on XX/XX/XXXX. The card was closed XX/XX/XXXX. I asked for verification that this account is indeed mine and I asked for the method of verification. I have received no response from them. I reached out on XX/XX/XXXX. No response and nothing change. 

Next account ( XXXX  ) I asked for validation and received no response. Acct is not mine
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The credit reporting is reporting the wrong address on my credit file. I have lived at XXXX XXXX XXXX XXXX, XXXX, GA XXXX for over 16 years and they recently updated my address to an address I have never lived at. I contacted them with copies of my driver 's license and utility bill and it is still reporting the wrong address. They are also reporting the wrong social security number even though I have sent them a copy of my correct social security number and driver 's license.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

As you are aware, the Fair Credit Reporting Act states that I have a right to challenge all inaccurate information listed within my consumer reports. In addition, Code 15 U.S.C. Section 1681 states that I have a right to privacy and all inaccurate information must be removed from reporting. I want these collection accounts removed due to inaccuracies and the time allowed for reporting collections has exceeded seven years. 15 U.S.C. 1681 Section 604A states that a consumer reporting agency can not furnish an account without my written permission. Thus, I want the collection accounts listed below removed from my consumer reporting with all bureaus.

1. Collection account name : XXXX  XXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed.

2. Collection account name : XXXX  XXXX XXXX Account # XXXX Ive previously requested that the bureaus investigate this information and remove accounts. Im requesting that this account be immediately removed. 


XXXX XXXX
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (OH)

I went to school at XXXX XXXX and was attending after XX/XX/08 and did not complete my program, I am eligible for this to be forgiven and I have not received any information from the Department of Education or Navient, nor have they responded to my inquiries.
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Exodus Movement, Inc. (OH)

On XX/XX/XXXX, I initiated a {$220.00} withdrawal from my bank account in order to deposit onto a platform called " Exodus XXXX. '' This withdrawal posted to my bank on XX/XX/XXXX. 

Immediately after making the deposit into Exodus, I watched my {$220.00} balance disappear, right before my eyes. I then saw my account reflecting a {$0.00} balance, despite that deposit. As such, I made contact with Exodus ' support team, who informed me that my account was hacked/compromised, as someone had immediately sent the funds to a different crypto wallet. They explained they were opening an " investigation, '' but that they could not refund me my money. To best help myself, the Exodus support team told me to file an Internet Crime Complaint with the Federal Bureau of Investigation, which I have done. The Exodus support team, when advising as to how I can obtain my funds back, instructed me to file a dispute against the payment processor that they work with ( XXXX ) through my own bank ( XXXX XXXXXXXX XXXX. ) I have a copy of the FBI report and a copy of my conversation with the Exodus support team. 

I filed the dispute against the XXXX charge through my bank, as instructed by XXXX ' support team. Today, I heard back from my bank via mail. To my dismay, my bank informed me that they received a response from XXXX, being that XXXX is not interested in honoring my dispute or refunding me the money which was stolen from me. The supervisor I spoke with at XXXX is named XXXX XXXX. XXXX explained to me that because XXXX is not in agreement/cooperating with my side of the dispute, that I will be out of the money and it will be taken from my bank account on XX/XX/XXXX. 

I explained to XXXX that I don't even have the money in my account to cover this as of today ( XX/XX/XXXX ), and he explained that there was nothing he could do. XXXX suggested that I file a complaint with a government body, so that is why I am filing my complaint here with you, CFPB. My experinence has beyond disappotining and frankly, scary. I feel very unprotected and unvalued by Exodus and XXXX XXXX Bank. 

Throughout my experience, I have only followed the instruction of the Exodus support team, the instruction of the FBI 's ICC guidelines, and the instruction of the disputes team at XXXX Bank. Exodus and XXXX seem not to be interested in making things right by advocating for the consumer ( me ). I have never filed a CFPB complaint - I felt I needed to do so this time because I am at my wit 's end trying to advocate for myself. 

I am extremely hopeful for your help in recovering my funds and therefore keeping consumers protected from situations like this. 

Thank you.
Consumer complaint received 2020-09-22
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: WELLS FARGO & COMPANY (IL)

On XX/XX/2020 a bank by the name of Wells Fargo did a hard pull inquiry without my permission. I have reported it to the XXXX  XXXX  XXXX XXXX   XXXX  as well as to all three credit bureaus. As a result of this unauthorized hard inquiry, my score dropped by 9 points. This inquiry into my personal credit file was I repeat never authorized by me. I have been careful not to request or authorize hard inquires of my credit for the very reason that I am trying to refinance a loan. This now puts me into a lower catagory and higher interest which is counterproductive. I wrote all three credit bureaus and asked for the immediate removal of the hard credit pull by Wells Fargo. I also called a number on the credit report of a Wells Fargo Bank but no one picks up at the opposite end.
Consumer complaint received 2020-09-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (AZ)

Disputing this account and FCRA VIOLATIONS on this account several times. 

( Arizona Law ) haven't received any notices to Prior to selling the car, the lender must notify you of the date, time and location of the auction. which never been offered to me. which I requested numerous times & please enforce the fcra law I demand the documents or please remove. 

The original creditors and Credit bureaus reporting two different open dates. 

Last Payment is inaccurate that is a violation
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

JPMCB CARD

Contact
XXXX XXXX XXXX XXXX DE  XXXXXXXX XXXX XXXX  

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2020-09-22
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. (MA)

GOOD AFTERNOON XXXX XXXX XXXX XXXX! - Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For one account ( XXXX XXXX ) it is reporting that my last payment was made on XX/XX/XXXX and that the account was closed on XX/XX/XXXX. The card was closed XX/XX/XXXX. I asked for verification that this account is indeed mine and I asked for the method of verification. I have received no response from them. I reached out on XX/XX/XXXX. No response and nothing change. 

Next account ( XXXXXXXX ) I asked for validation and received no response. Acct is not mine
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

I have a loan with Amerihome Mortgage Company with escrow for insurance and taxes. My insurance was expiring on XXXX XX/XX/2021 and the mortage company did not make the payment on time. After repeated follwups from the company i have not been able to trace the payment to the insurance company but the escrow statement shows that the amount was deducted from my account. I have since changed my insurance company to continue my coverage but the mortgager is still not able to track the payment. I have tried to reach them by phone as well as online messages but to no avail. 
I recieved a mail from the company about forcing me to buy a force place insurance at a exceptionally high cost. 
I dont understand if i am signed up for escrow account and they failed to make payment on time then how are they forcing me for force plan insurance. 
I feel at a loss for this poor management. I have since read about several complaints about the mortgagor in onilne forums about them being negligant towards escrow payment. 
I have also requested the mortagor to cancel my escrow account so that i can manage it going forward.
Consumer complaint received 2020-09-22
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. (FL)

THIS AUTO LOAN LISTED IS A FRAUDULENT LOAN THAT SOMEONE USED MY PERSONAL INFORAMTION TO OBTAIN THIS LOAN THE THEFT USED MY INFORMATION I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (NC)

The credit bureaus XXXX, XXXX XXXX and XXXX are receiving correspondence for the below actions from KLS Financial Services to reported on my credit file illegally and in violation of Section 809 ( b ) FDCPA and section 609 FCRA. The below collection agency has failed to provide a copy of any alleged contract or other instrument bearing my signature after being requested to validate. They have an incorrect address and also have fell to comply by sending such document to prove validation then KLS Financial Services continued collection activities on my accounts in violation of section 809 ( b ) FDCPA. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT obtains verification of the debt and mails it to the consumer. Debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.

KLS FINANCIAL SERVICES, Last reported XXXX XXXX, XXXX {$480.00} Open balance XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual KLS Financial Services has put a Medical Collection on my credit report which is also A HIPA violation. I have never signed a release for this creditor ( KLS Financial Services ) or any creditor. Therefore, this is an inaccurate HIPA violation and I want these removed immediately. HIPA laws protect my personal information without my consent and KLS Financial Services have been aware of these HIPA violations and has been asked to delete immediately. They are many XXXX violations of up to XXXX per violation and I will pursue recovery if these violations if these collections are not met with a satisfactory resolution. Delete Immediately
Consumer complaint received 2019-03-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

I sent in a principal payment and they received it on the XX/XX/XXXX. They refuse to apply to principal until payment that is not due until XX/XX/XXXX is received. That's 3 days of extra interest on loan I am paying because they won't apply my payment.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I worked for XXXX supermarket, had my check direct deposited into a chase banking account, chase then closed my account and held my check from my job and wont give me my money, Ive met with them multiple times and they will not give me a straight answer on how to get my money.
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

XXXX XX/XX/2020 we contacted Sun Trust now Truist that we would like to terminate our private mortgage insurance under the Home Owners Protection Act. We received a letter from SunTrust that our request had been denied because we did not meet the requirements because our payment history did not qualify, stating that we had a payment that was 60 days or more past due within the first 12 months of the last 2 years prior to the cancellation date. I replied back to the letter via email and explained to there must be something in error because we had never been late on our mortgage payment. The only time we did not pay as scheduled was when we were given the option by the lender to participate in a forbearance program during the height of the pandemic. We were never told that if we participate in the forbearance program that was authorized and backed by the federal government that we would not be eligible to participate in the Home Owners Protection Act even though our home meets the 80 % of the original value of our property. After sending an email to the person listed on the denial letter as our home owner client representative asking for an explanation, there has been no reply or calls from SunTrust now Truist.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was assessed a late fee by Bank of America on a personal credit card. The late fee was assessed onXX/XX/2021. Automatic payments for this account were set up, weeks prior to the payment due date, to be withdrawn from my personal checking account. At the time of the late fee being assessed, my personal checking account had XXXX XXXXn funds availability. The scheduled automatic payment amount was XXXX, to be drafted on the due date of XX/XX/2021 (and all subsequent months, on the XXXX). The bank's own website shows the auto payment service as "ON" and confirms the amount and date of the withdrawal monthly. When I called and spoke with customer service on XX/XX/XXXX, and subsequently a customer service supervisor during the same call, I was told that the bank's system often makes these sorts of errors and that this can occur for up to two billing cycles. Even after acknowledging this fact, the bank informed me that the fee was "properly assessed" and would not be refunded. In my mind, the bank knows that this is a common problem, yet refuses to implement a solution and resolve my issue by indemnifying me of the XXXX  late fee. When I asked for the reason why the fee wouldn't be refunded, I was told by the supervisor XXXX  that she could not tell me and referred me to a "Credit Analyst" at the credit reporting bureaus for further information. This issue has nothing to do with the credit bureaus, and everything to do with the bank's operations, yet Bank of America has skirted this responsibility and won't even provide me a reason as to why they won't correct their own error. I can only assume this is a pervasive issue in their systems and can only imagine how many millions of customers they have done this to, all the while refusing to correct the problem. I am not sure what the rationale for declining to refund their own error was, but at this time I cant rule out discrimination or any other reason.
Consumer complaint received 2022-04-02
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (NC)

On XX/XX/2022 I submitted a complaint to the CFPB ( XXXX ) in regard to Paragon Revenue Group violating my consumer rights. I received a response from the company that did not address the full extent of the fair resolution I provided. Paragon Revenue Group did agree to remove the account from consumer reporting agencies as well as XXXX out the alleged debt. Legally this company is responsible for payment for the federal violations committed under the FDCPA. I have not received my entitled compensation for being violated as a federally protected consumer pursuant to 15 usc 1692k. I will attach the original documents provided in the first complaint