davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
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. (IL)

Equifax is still reporting the following items inaccurately. Can someone please look into this. Thank You Accounts XXXX XXXX XXXX XXXX never late XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX inaccurate INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized EQUIFAX MTGE SER XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

I received my first contact by mail from Account Resolution Services ( ARS ) on XX/XX/XXXX alleging that I owed a debt and that it would be reported to my credit within 15 days of the letter which was dated for XX/XX/XXXX XXXXI immediately responded to this letter by sending a Validation letter by certified mail on the same date I received it XX/XX/XXXX. I asked for original copies, signed documents with my name admitting that I owe this alleged debt, among other documents. 
However, I did not receive any type of documents providing me with validation of the alleged debt. I then on XX/XX/XXXX sent a dispute letter by certified mail disputing the alleged debt and asking that all negative remarks be removed from my credit file that was reported to the three major bureaus ( XXXX XXXX, XXXX, and XXXX ) on XX/XX/XXXX affecting my credit negatively in a significant way. Not only did I not have the opportunity to respond or dispute this debt in a timely manner before it went on my credit file, my first contact by mail was to tell me it was being reported to my credit by the named company. To add to that I received no documents to validate that I owe ARS or any other company. 
On XX/XX/XXXX I received a letter in response to my validation request from ARS ( Account resolution services ) stating that the debt was verified by them, again this was just a letter from ARS stating this, which is not what I asked for. I asked for validation with proof in the form of documents with the name and address of the alleged creditor among other things that I have not received as of yet. I responded again to tis letter by certified mail stating that I did not ask for a statement of verification from ARS and that they failed to validate the debt and provide me with proof. I asked that because of their failure to do so that the debt be removed from my credit file and closed from their records for good. I also sent a copy of that validation request to the three major bureaus on XX/XX/XXXX and asked that they remove the negative remars from this company as well.
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (KY)

I am writing to dispute the following information that was supplied. These items are inaccurate. In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX via XXXXXXXX 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 XXXXXXXX XXXX XXXX, US SM BUS ADMIN ODA, have violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NM)

XXXX XXXX XXXX calls multiple times throughout the work day, from several different phone numbers, masked sometimes as local numbers and other times not. It is regarding a retail card debt. I have explained over and over to them that I did not make the charge or purchase leading to the debt or unpaid balance. Someone must have fraudulently obtained my card information and used the card. I've asked for them to mail an account statement to me or something showing what these charges are and something official, but have not received anything. They call throughout the work day, every day. I have asked them that if they call, to call towards the end of the work day and not multiple times as it disrupts my ability to work. However, they call several times during day. They threaten to sue me or take legal action and use scare tactics with the unknown consequences of that legal action, and they do not provide written proof of what the debt is specifically or what options I have since I did not make the charges.
Consumer complaint received 2021-02-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

I have a DISMISSED Bankruptcy that was filed in XXXX and is almost at the 10 year mark ; I have disputed it with the bureaus trying to get it removed prior to the 10 years, especially since it's dismissed and doesn't legally exist any longer and can only be verified through public record. My first dispute with the bureaus was on XX/XX/XXXX followed by a 2nd dispute on XX/XX/XXXX.
Consumer complaint received 2019-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (ID)

LVNV Funding, LLC aka Resurgent Capital Services and through their collector XXXX XXXX XXXX XXXX are and continue to use a letter which implies and purports to be from the original creditor, who is in fact NOT a participant to the collections activities, to collect a debt. 

They are also falsely/misrepresenting to all 3 CRA 's that I have an open account with them which I do not have. They have no authentic, certifiable data or account level documentation to support such a collection account. This false letter and documentation also apparently furnished to the CRA 's has held this consumer back from applying for credit as their open account falsely indicates the character and amount of an alleged debt. These companies can not and will never have certifiable, authentic and or a proper affidavit of account level documentation to pursue collections. Therefore they " parked '' said alleged unsupported debt on all 3 major credit reporting agencies to pressure me, a consumer, into paying them, in an extortionist like act, to make this go away. 

Numerous previous such violations have already been ordered to stop by the CFPB and others. Please also see the financial complaint I will file here or with the FTC as they are a financial institutions breaking the law.
Consumer complaint received 2021-02-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a DISMISSED Bankruptcy that was filed in XXXX and is almost at the 10 year mark ; I have disputed it with the bureaus trying to get it removed prior to the 10 years, especially since it's dismissed and doesn't legally exist any longer and can only be verified through public record. My first dispute with the bureaus was on XX/XX/XXXX followed by a 2nd dispute on XX/XX/XXXX.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK (GA)

I have reached out to Midland Mortgage to correct their reporting data to show my account was not past due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My account was approved to be in forebearance under the CARES ACT and Midland mortgage advised me that the payments will not be reported to the credit bureau as late payments while under this program. Midland Mortgage in turn did report my account as 90 days and 120 days late to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I disputed the items directly to the credit bureaus and as of XX/XX/XXXX Midland Mortgage continues to report as late payments for this timeframe. I reached out the Midland Mortgage around XXXX and XX/XX/XXXX. XXXX XXXX ( Supervisor ) advised they would correct the inaccurate reporting. XXXX ( Supervisor ) call me around XX/XX/XXXX or XX/XX/XXXX to advise she would correct the reporting by sending the correct information to the credit bureaus. She even emailed me a letter from Midland Mortgage stating the information was inaccurate and should be removed from my credit report. I have a copy of the letter. My chief concern is that even after Midland Mortgage assured me they would rectify the inaccurate reporting, the credit bureaus still to this day are receiving information back from Midland Mortgage that my account is 90 days and 120 days past due for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Midland Mortgage must immediately correct their system and update the credit bureaus. Due to this inaccurate reporting, I was denied for a mortgage. I am beyond frustrated with Midland Mortgage and wish that they correct their errors.
Consumer complaint received 2022-04-30
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: Santander Consumer USA Holdings Inc. (TX)

In accordance With the fair credit reporting act XXXX  Account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 : it also states A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and Purpose
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (RI)

HI ERC ; Im confused and stressed and 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 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I am a retired employee with Chase trying to refinance my current mortgage with Chase for the lower interest rate. I previously refinanced in 2017 with no problem closing in one month or six weeks. I now have {$17000.00} more in savings and less debt, one credit card of {$2700.00}. I have a mortgage payment of {$630.00} and pay {$150.00} extra each month. I applied to refinance which took a year, having been cancelled more than twice because of time restraints with Chase and having to start over. Chase hires an outside entity to oversee their applications and they declined me due to too many inquiries on my credit, all made by Chase 6 in XXXX, and 5 in XXXX that they told me of. Also this entity told me I have too many revolving accounts. I have one now and had a second with Chase of! XXXX now paid in full. They made so many mistakes, a XXXX Department head got involved, who now has left company. The loan documents had more than 12 errors, my name, the amount of the refinance, the number of years with my company down as 1, should be 21, {$50000.00} in savings not indicated, {$42000.00} loan to be paid off XXXX no loan error by Chase XXXX. I had a property in Texas sold but they wanted me to include it in my income but it was not in my name and legally could not be used, but I was able to show check copies for four years showing it all paid on time, sometimes double. My credit score is XXXX but went down some due to all the inquiries Chase made on my credit. I found the Chase employees very inept blaming it on the pandemic. My previous refinance was not a problem. They also requested {$500.00} as they said to quickly close in the next few days. They took the money and then declined
Consumer complaint received 2021-06-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Office of Michael J. Scott, PC (TX)

I AM BEING SUED BY SCOTT AND ASSOCIATES FOR A LOAN THAT WAS CLEAR IN BANKRUPTY IN XXXX THEY HAVE CHANGE THE DATE TO XXXX XXXX AND SAID I GOT THE MONEY IN XXXX WHEN I FILE I DIDNT BORROW ANY MORE MONEY FROM ANYONE. I DONT KNOW IF SOMEONE ELSE DID I KNOW I DIDNT.THE ONE WHO IS DOING THIS IS XXXX XXXX XXXX AS I SAID I HAVE NOT BORROW ANY MONEY SINCE MY BANKRUPTY
Consumer complaint received 2018-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (FL)

XXXX XXXX did not send a collection notice before reporting to the creidit bureaus.They reported to the crdit bureau on XXXX XXXX and then sent a notice on XXXX XXXX. 

Several attempts were made to have the information on my credit report validated and corrected but the agent at XXXX XXXX XXXX refused to provide validation of the account an refused to correct any erroneous or outdated information. The name of the agent was XXXX XXXX ( lead supervisor ). In addition, several messages were left with XXXX XXXX but she never returned the call. XXXX XXXX is a senior executive.
Consumer complaint received 2021-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

There was an account that was opened through pro collect from XXXX XXXX XXXX for the amount of XXXX on the date of XX/XX/2014. Pro collect contacted me multiple times about this account and let them know that i do not owe this account. Ive sent paperwork showing i do not owe these amounts i even tried disputing it. And they constantly deny me and never remove it.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was the co-signer on a loan student loan for my sister with XXXX XXXX and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence.

It was recently fixed on XXXX  due to the help of this service and I would like this removed from TransUnion and XXXX  as well immediately.
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Services Association (TX)

CBSA 's response to my attempts to get information about a debt being reported to credit agencies. CBSA 's response to compliant # XXXX, was not sufficient. The response was : DUPLICATE COMPLAINTS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DEBT VALIDATED XX/XX/XXXX WITH ITEMIZED STATEMENT SHOWING ALL PAYMENTS. 

CBSA has failed to provide answers to the following : 1. What is the total amount of said debt?

2. What payments have been applied to said debt? ( itemized invoice has changed after attempting to get answers ).

3. Why has the nature of the debt changed from services for appearances to cost of paperwork during dispute process?

4. Why is the itemized invoice provided to CFPB different than the invoice provided in XX/XX/XXXX? 
5. Why have the payments amounts changed and payment dates chaged? These do not match payments cleared through my bank?

6. Please provide a contract/agreement signed by me which validates this debt? 


Previous complaint numbers are as follows : XXXX XXXX XXXX It appears this debt has been altered on the invoice as a means to justify a debt not owed after attempts to understand how this debt is being invoiced. 

The invoice received by The Federal Trade Commission in XX/XX/XXXX, is not the same invoice I attempted to get answers to in XXXX XXXX. Again, XXXX XXXX has altered the invoice in an attempt to make it appear this debt is actually due by changing dates of payments, adding collections charges, as well as when payments were received which do not match my bank records and/or checks cleared.
Consumer complaint received 2023-02-01
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: Cascade CISS Holdings, LLC (FL)

I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2020-01-24
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: EQUIFAX, INC. (CA)

I was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car today XX/XX/2020 and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions, purchases or payments towards any of these accounts.