davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
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: AMERICAN EXPRESS COMPANY (TX)

During XX/XX/XXXX, I contacted American Express to request a payment plan for the outstanding balance on my account. They accepted my request. However, they did not complete the setup of the payment plan correctly. They excluded almost 25 % of the balance in error, and it started aging as unpaid. I have paid the monthly installment every month and not been late. I have contacted American Express every month to request correcting the amount that was excluded. They tell me every month that it is under review and someone will call me back. No one ever calls me back. In XX/XX/XXXX, I started calling every week. In XX/XX/XXXX, I started calling every day. Finally in late XX/XX/XXXX, they called me back and stated that there was nothing they could do and the amount shown as unpaid and aged more than 120 days and negatively showing on my credit report was going to have to stay that way. I requested a manager and director call me so I could appeal, and now they will not call me back yet again. I feel disempowered and the victim of terrible customer service.
Consumer complaint received 2018-06-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

bank of America XX/XX/17 account opened in my name I was XXXX  I cant XXXX XXXX XXXX due to a XXXX  while I was XXXX XXXX. the company said I was lying and I must pay
Consumer complaint received 2022-09-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

in my credit report shows an address in TN that is not mine ( I never live at that address ) and also a collection that i have no idea who it belongs to. I disputed but the credit agencies won't remove it from my account. I never live at the address it shows in a state that i never lived in. they are charging me {$2900.00}
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had a checking account and I was robbed and reported it to the police and to the bank and there was some activity on the account that caused the bank to do an investigation and they replaced some of the money that was taken from the account and then closed the account and reported it as suspected fraud activity even after a police report was submitted to them and everything and they even have the persons name and everything that did the fraudulent activity on my account. I disputed this with the bank and they still refuse to take it off of my record. I don't see how they can accuse people of things like this and put derogatory marks on their record without proof that the person is guilty therefore hindering that person 's life.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

As of XX/XX/XXXX XXXX purchased my loan from XXXX I had a balance with XXXX of {$130000.00} and paid of {$7000.00} before they took over now I have a balance of XXXX. I also began a modification review with Shellpoint in XXXX of XXXX because I couldnt pay XXXX of mortgage and it went up again to XXXX so I requested a modification I fell behind but always paying. On XXXX I requested a modification and they continued to charge late fees, and other fees while under review. I then got an approval letter in XXXX XXXX, XXXX to immediately begin paying a trail payment of {$960.00} beginning XX/XX/XXXX not giving me a chance to recover what I was behind XXXX and XXXX. They have since reported me to all three credit bureaus at a highe mortgage payment owed XXXX instead of what I actually owed thats unclear {$130000.00} and Late payments for the months in which I was under review for the modification affecting my credit by aproximately 40 points from where I was hurting my credit. Covid 19 took a toll on everyone and Shellpoint didnt take this into consideration and continued to report my balances incorrectly and lateness while under review.
Consumer complaint received 2022-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

I received a notice from XX/XX/XXXX that Dovenmuelhe Mortgage inc is holding unclaimed property in the amounts of {$3300.00} and {$100.00} from a mortgage ( from XXXX XXXX XXXX  XXXX that was refinanced in XX/XX/XXXX. I sent the required response documents back on XX/XX/XXXX, and have since made follow up calls on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, but have to date been unable to obtain the return of these funds. 
I was told during several calls that the instructions to send a check were relayed to the appropriate group. On the XXXX call it was confirmed that a check request had been initiated on XXXX and that it could take up to 30 days for a check to be issued. On XXXX this was revised to XXXX business days, and on XXXX I was told that it has not been issued yet and there is no estimated completion date.
Consumer complaint received 2022-09-13
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

After repeated times calling into Equifax to Permanently Remove my Credit Freeze I need the CFPB 's support and resources in removing the " freeze '' on my report. After the third call with " XXXX '' in the XXXX they still will not remove the credit freeze ; my daughter needs XXXX and we need credit.
Consumer complaint received 2020-05-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please.
Consumer complaint received 2019-05-31
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (VA)

On XX/XX/2019 I viewed the website for New Day Mortgage XXXX XXXX XXXX  and in big, bold letters it states " Your VA Home Loan Benefit is worth more at NEW DAY '' XXXX XXXX   answered the phone and I asked him how it was worth more at New Day and he replied that " New Day will refinance to 100 % LTV while other lenders only go to 85 %. '' I replied that he was lying, that every lender will go to 100 % LTV, in fact more, because the funding fee is added. I told him I was sick of deceptive advertising and I was going to report the company. 

He called me back and tried to convince me her was right about the LTV. He also said they would refinance to 100 % with a XXXX credit score and no one else would do that.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX XXXX is reporting on my credit report as a factoring company and is not a factoring company, they are a debt buyer. This is a violation of FCRA .Also on the account the terms are listed as one month. I never made agreement with XXXX XXXX on terms for this account which is inaccurate and violation of FCRA.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (NJ)

I previously had an account with XXXX for two years from XXXX, I was a loyal paying customer and had my account under auto pay. A few months before I disconnected my services, I called to lower my bill as I was going through financial hardship due to COVID but was informed by a Representative that due to being on a contract that the Covid relief was not offered to me. 
I called back and spoke to a supervisor who said theyll work with me, but all that can be done was stop the XXXX XXXX XXXX XXXX XXXX only if I made the payment in full which was done, unfortunate for me It really made no difference, mind you at this time I just had internet. 
I was then billed as if I were receiving services that I honestly was not. I researched on XXXX how to submit a complain and claims in which I did back on XX/XX/XXXX, I have not heard back from them. However, I did have a collection agency reach out to me today via Mail ( Sequium Asset Solutions LLC ) to inform me that I am in collections for approximately {$690.00} which dates to XX/XX/XXXX, again keep in mind I disconnected this service back in early XXXX, and have a credit freeze. Can someone please advise what other protocol can be done to finally resolve this problem?
Consumer complaint received 2020-05-01
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. (AZ)

improper investigation methods used are resulting in extortion on debts beyond statute being pushed into files, XXXX is refusing to staff company and recieve reports. EXPERIAN is flat out refusing to comply with the law. BOTH NEED TO BE SERVED IMMEADIATELY, as does XXXX, XXXX, and several other ID verification landlord used systems. They buy and resell old and inaccurate data and refuse to remove any of it. This includes inaccurate public records.
Consumer complaint received 2022-09-13
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. (NV)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law 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
Consumer complaint received 2022-09-13
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or DELETE the following accounts : Bankruptcy XXXX  XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery is reporting a debt from XXXX  XXXX on my credit report and I have requested verification of the debt that they have failed to provide to me and XXXX XXXX and XXXX fail to delete this from my report. They dont care I sent them a certified letter recently with return receipt just because they have ignored all of the disputes they have ignored. If they ignore this letter I will consulting an attorney for them violating my FCRA rights as a consumer.
Consumer complaint received 2021-11-02
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: WELLS FARGO & COMPANY (MD)

This account is not mine and was established fraudulently. This information was provided to the original creditor. A police report was filed, and this matter was previously disputed. The account was previously removed, however for some reason, they keep reporting this inaccurately to the credit bureaus.
Consumer complaint received 2020-07-19
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 8. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (FL)

I received 17 called in four days. I have told the company, Receivables Performance Management multiple times that I did not owe the debt from XXXX. My account was closed with XXXX in 2017. I went on a payment plan with them to pay over a XXXX dollars. I paid the amount in full. I never received a letter or call from XXXX for three years. The last two months I started receiving numerous calls from XXXX XXXX XXXX stating I owed a balance to XXXX. When I tried to explain that I paid it in full, they ignored me and tried to get a settlement. I was even told I would not be able to buy a house if I did not pay this off. They originally stated that I owed {$170.00} and then came back and stated I owed {$200.00}. I called XXXX and they were not able to tell me what the charges are for. I called Receivables Performance Management and spoke to a very rude and short supervisor, XXXX, who stated he would sent out a breakdown of what I owe. My main complaint is the amount of calls I received with no explanation of what they where for, XXXX not able to explain the charges, and the amount that I owed doubling for no apparent reason. Also never receiving any inquiries from XXXX about an over due balance until XXXX years later through an collections agency threatening to put the amount on my credit report.
Consumer complaint received 2022-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIDELITY CAPITAL HOLDINGS, INC (MO)

On XX/XX/2022 Fidelity Information Corp placed a collection on my credit report in the amount of {$300.00}. The collection was placed for rent that was due in XX/XX/2022. The original creditor was XXXX XXXX XXXX. The company placed my account with a collection agency before it was ever 30 days past due. 

Rent at this apartment was due on the 1st of each month. I paid the rent before it was 30 days late. I had a signed payment arrangement with the leasing company with arrangements to pay in full by XXXX. I had all of the rent paid in full on XX/XX/2022. The collection was placed 2 months after the rent was paid in full. I have a XXXX balance with this company and my account should have NEVER been placed in collection. 

I contacted the leasing office about the collection and did not receive a response. I also sent a certified letter to Fidelity Information Corp asking for debt validation. I sent the letter to the address they listed on my credit report. The US postal service entered a note saying they attempted the delivery but the location where the company has listed to send mail is in a locked location that can not be accessed by the US Postal service. I never received any response to my request for debt validation. 

Additionally, Fidelity Information Corp never sent me a debt validation notice as required by Section 1006.34 ( a ) ( 1 ) generally requires a debt collector to provide the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collector 's initial communication. The company placed this debt under collection without giving me an opportunity to respond.