davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (IL)

Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called TEK-COLLECT nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!
Consumer complaint received 2021-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (TX)

I logged into my Rushmore loan mortgage account to pay my bill, and Rushmore is blocking me access to pay on my loan. When I called customers services to ask why the website is blocking me from paying on my bill they told me because my last payment didn't go thru and now the only way I can pay on my mortgage loan is with a cashiers check or with XXXX XXXX. First of all the last payment bounce do to the fact that Rushmore tried to steal more money then they were required to take, and caused my bank to charge me with overdraft fees which I reported here in my previous complaint. And as for paying with a cashers check or with XXXX XXXX that is more money Rushmore is trying to make me spend because of processing charges, which I will be deducting from my payment to Rushmore instead of four hundred dollars my payment is {$370.00} because XXXX XXXX charges a {$30.00} process fee. Rushmore is debt collection company that needs to be investigated for fraud, and a class action suit brought against the company and it's affiliates.
Consumer complaint received 2021-08-20
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. (OH)

This account was reported collection/charge-off and is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after it was chargeoff. I urge your agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due to balance reporting while the report show as a chargeoff? I'm pretty sure you know that it is a violation.
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (KY)

This debt does not belong to me and is a result of identity theft. I do not know who this company is. This company is reporting on my credit report. I have submitted an identity theft report and they still have not removed the account from my credit report.
Consumer complaint received 2020-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Over a year ago I petition this company Mr. cooper mortgage to remove my PMI. As the entire world has experienced housing prices going up. It is my assertion that mr. Cooper is engaging in malicious business practices in the XXXX XXXX  community. Where I live is 80 % -90 % XXXX XXXX. They charged me {$100.00} for a brokers prices opinion and used comparable sales that catered to their narrative to ensure that I could not remove their PMI. They also have inflated my escrow every year since I have been with them. Please engage the CEO of the company. They have priced my home at the same amount it was on purpose to keep charging my account. I have paid every payment in good faith and am at an equity point that the PMI can and should be removed but they refused to do so. Even their website valuation too and every single site that help with evaluation shows my home is work XXXX. But they can back with a price of XXXX in an attempt to make sure myself and XXXX XXXX  male is locked into paying more than my XXXX XXXX. This is malicious and needs to be investigated. When people of another race call for this same evaluation they are given a different level of service and consideration. They always turned around and solicited my to refinance. I wonder if I went and applied to refinance my home would they come up with a different valuation. 

The result : I am asking that mr. Cooper mortgage remove my PMI immediately. They have not reasons to continue to change this account as I am under 80 % Ltv by every logical measure. 

Thank you
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to inform you of fraudulent accounts on my credit report that are severely impacting my financial standing. It has come to my attention that there are entries that do not belong to me, tarnishing my creditworthiness and financial reputation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NJ)

As of XX/XX/2019 the account was Charged Off. Since the company is in violation of 16 CFR 433.1, 433.2, and 433.3 and this should have been an open ended account, they are posting false and misleading information in the public, which is causing damage to my person. 

The account says closed, but they are still doing inquiries into the account without my express written permission to do so. 

These are in direct violation of : 15 USC 1692c ( a ), ( b ) 15 USC 1692b 15 USC 1681b 15 USC 1681s 15 USC 1692e ( 8 ) 15 USC 1681n Pursuant to the 15 USC titles above, this is evidence that I am being subjected to custom and usage practices of BARCLAYS BANK and injury has occurred.
Consumer complaint received 2021-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (VA)

I bill was created by XXXX XXXXXXXX in XXXX. The hospital claims to have tried to contact via mail. However, I never received information on this. In XX/XX/XXXX I was contacted by a debt collector. I immediately called my insurance company and they said I was billed for a private room which I never requested. The insurance company contacted the hospital which was to remove the excessive cost and contact their debt collector to correct the information. On XXXX XXXX. Phoenix financial placed a collection on my account with the inaccurate information. Myself along with the hospital has contacted the company to make them aware of the error. XXXX XXXX went as far as to ask Phoenix financial to remove the negative mark on my report to give me time to pay the bill with the corrected amount. Myself and the hospital called the company on three way and they continue to stated they have not received anything even with the hospital representative on the phone. At this point I dont know what to do. I tried addressing this wrong information in XXXX before it was placed on my report. They hospital has tried correcting the mistakes however the company refused to receive the erroneous information. Please note this was an issue that was being discussed and attempted to be fixed in XXXX before it was placed on my report in XXXX of XXXX. The hospital admits to their mistakes of not getting the information updated before it was placed on my report and has sent many emails to have the company remove the information but continue to refuse.
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc. (AZ)

There is a collector by the name of Progressive Management Systems. I have no idea who they are however they are on my credit report with a account I have never heard of. I have never been contacted by the organization. I do not even know who the company is. What they have done is illegal by Federal Law. I would like them removed and reprimanded for breaking the law.

I have disputed the report with the company. I have had no response and in retaliation the balance went up.This organization listed above need 's an audit. They are not in compliance with any standard for XXXX or ethical business. 

Again, no idea who this company is. It looks like a XXXX  company.
Consumer complaint received 2021-04-29
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. (PA)

I have disputed inaccurate information on my credit report with all three credit reporting bureaus and the collection companies reporting and they will not remove. 
XXXX, XXXX, XXXX XXXX are not my accounts
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : 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 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (TX)

1 ) Purchased 2 items online from Nordstrom on XX/XX/XXXX XXXX Order # XXXX 2 ) Never received items and actually forgot I had made the purchase. 
3 ) Received a call from Nordstrom on XX/XX/XXXX  reminding me to make a payment on my credit card before I incurred a late fee. I could not remember making a purchase and told them I would research and call them back. 
4 ) I researched the purchase and found some emails about the purchase in my SPAM folder. I went online and tracked the package on the XXXX website and found the following : Your shipment XXXX Delivered On Saturday, XX/XX/XXXX at XXXX XXXX at Front Door 5 ) Called Nordstrom Card Services and told them I never rec 'd the package. They told me I would have to speak with XXXX as they could not assist me. 
6 ) I chatted with XXXX and basically was told I waited to long to report the missing items, which I didn't realize were missing until XX/XX/, and I would have to file a police report and try to get my insurance to reimburse me. 
7 ) I filed a dispute with XXXX on XX/XX/. 
8 ) I received another call from Nordstrom Card Services on XX/XX/XXXX  and explained the situation and was told they would do some additional research and see if they could help because I should not have to pay for something I did not receive. 
9 ) Nordstrom responded on XX/XX/ and stated their reporting was correct. 
10 ) I filed a claim with XXXX but have not heard from them. 
11 ) Nordstrom flagged my account as 30 days past due on XX/XX/ and my credit score dropped 93 points!
Consumer complaint received 2020-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (TN)

A collection agency called my wife multiple times asking for me. She thought they were spam calls and ignored. I finally pulled my credit reports on XXXX, XXXX, and XXXX on XX/XX/XXXX and saw collection alerts for the amount of {$2800.00} on XXXX and XXXX. No such alert on XXXX. The collection company was listed as XXXX XXXX XXXX on the XXXX report and Perfection Collection LLC on the XXXX  report. I telephoned the company on XX/XX/XXXX and spoke with an agent named XXXX. I was told the debt amount was for a XXXX XXXX XXXX XXXX  installed at an address in XXXX IL. I live in XXXX TN and have never lived in or been to XXXX IL. I was told the account was jointly owned with a woman named XXXX XXXX, who I do not know. I asked the agent to email me the contract. I never received it. I disputed the claim on XXXX on XX/XX/XXXX and on XXXX on XX/XX/XXXX. I received investigation results from both companies that the disputed information was verified as accurate. I have never purchased anything from XXXX and did not order this home security system. I have never received anything in the mail from them or the debt collection agency. I have contacted a lawyer and will pursue legal measures if I can't resolve this dispute through other means.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2021-04-09
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: Colony Brands, Inc. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2021-04-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Since XXXX, XXXX, I have been contacting TransUnion via phone and mail, logging into my online account and sending USPS Priority Mail with tracking no, XXXX. The mail was delivered at XXXX XXXX  on XX/XX/XXXX. I have called several times and the response is " we have no mail from you '' this is despite me providing over 20 pages of documents on at least 3 occasions. When I call, even speaking to " supervisors '', I am told there is nothing they can do without the mail or I can submit online which as I explain does not work. I log onto my account and go to submit a dispute, put in all the information and receive an error message saying they " are unable to process my dispute online ''. The items dispute are seriously adversely affecting my credit, include being denied credit. One of the accounts was never a collection account and I sent proof that the account was paid in full and in fact they ( XXXX  ) sent me a refund check for an overpayment Both XXXX and XXXX have removed this account and I sent copies of the dispute investigation to Transunion along with copies of the refund check and statement showing full payment. In addition, Transunion is reporting four ( 4 ) other accounts by duplicating them, they are reporting the original creditor as delinquent and then reporting as collections with another collection agency so it is reporting twice. My last call was today, XX/XX/XXXX and the " supervisor '' basically send she could do nothing. I have paid to send 20 pages of documents with a tracking number because they said they never got it the first two times it was mailed by regular mail. This is unfair and inaccurate credit reporting and these items should be removed : Date Reported XX/XX/XXXX - Payment Status - Collection/Chargeoff Account Status - Derogatory - Original Lender - XXXX XXXX XXXX - Highest Balance $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. ( XXXX ) XXXX. The other items are as follows : XXXX XXXX - listed two times, original was XXXX COLLECTION/CHARGEOFF - {$780.00} XXXX XXXX - listed two times with incorrect sum COLLECTION/CHARGEOFF - {$8600.00} XXXX XXXX - listed two times with incorrect sum COLLECTION/CHARGEOFF - {$1700.00} XXXX XXXX XXXX XXXX - listed two times with incorrect sum COLLECTION/CHARGEOFF - {$1700.00} I have worked diligently over the past two years to correct my report and fix my credit and this is severely damaging as it is incorrect. 

I have no recourse because my phone calls results in no help from the representatives.
Consumer complaint received 2021-10-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (CA)

XXXX  requested I pay for internet service for three out of four weeks when I no longer had service with them after moving out of my home on XX/XX/2020, after losing my job due to the pandemic. I returned their equipment at move-out. XXXX  said if I didn't pay the last monthly invoice they would take me to collections. They said they have a new policy where they do not prorate the bill. I didn't pay ( for service I never received ) and they sent the unpaid bill to collections. The collection agency filed with all three credit bureaus which have lowered my credit score and affected my ability to rent again now that I am re-employed. I sent a letter to Management appealing the bill but never received a response. Recently I filed a complaint with the FCC. XXXX  finally called me. They apologized and said there was nothing they could do. I owed the money despite vacating my apartment and not having internet service for the majority of the time for the last invoice. They told me their policy is no pro-rations period.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2020 I contacted Experian to dispute incorrect personal information. Particularly, a comment in the Notices section that says " the date of issue of your SSN can not be verified ''. At the beginning, Experian specialist did not want to dispute this item. But, I insisted. She agreed to dispute this item for me and told me we will get back to you with updates. 
Today on XX/XX/2020, I called Experian to ask about the result of my dispute and Experian specialist told me that they can not make any change to the comment in the Notices section. She explained that most US individuals have a similar comment placed in their report. 
I do not agree with the result of my dispute with Experian and I hereby complain against Experian because they are deceiving customers like myself and creditors by giving misleading personal information. I have my Social Security records up-to-date and Experian can definitely verify the date of issue of my SSN with the Social Security Administration that issued the number.
Consumer complaint received 2020-08-31
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. ()

All three credit report companies after disputes still show accounts ADVERSE even though all the accounts have been corrected and in the text show NEVER LATE. The reports need to correctly list these disputed accounts as no longer ADVERSE. please help to have all three reports to be correctly listed. 

Thank you