davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This account was opened fraudulently. Under the FCRA and fdcpa, i have the right to request detailed information from the creditor proving the account is mine such as :! ) I am entitled to see the source of the information, which is the original contract that contains my signature.

2 ) An explanation of what the money owed is for.

3 ) An explanation of how the amount owed was calculated.

4 ) Copies of any agreements signed obligating you to pay for the debt.

5 ) Provide copies or other verification of any judgment ( if applicable ).

6 ) Prove that federal and state statute of limitations applicable to the debt have not expired.

If such information is not provided within 30 days, the account has to legally be removed. Only if such information was presented can experian reject my dispute as frivolous. In addition, extra documentation was provided on my end and they still rejected it as frivolous. Although I have no knowledge of said account, I paid it in full and documentation was provided to experian and they still rejected the dispute. Please remove immediately or I will be forced to take legal action.
Consumer complaint received 2021-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/21 I sent via mail to all 3 of the credit bureaus requesting ( 7 ) inaccurate information be deleted from my credit report. 

Please note supporting evidence has been produced under the doctrine of estoppel by silence Engel v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debts nor therefor any such debts in fact exists.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

This account was opened fraudulently. Under the FCRA and fdcpa, i have the right to request detailed information from the creditor proving the account is mine such as :! ) I am entitled to see the source of the information, which is the original contract that contains my signature.

2 ) An explanation of what the money owed is for.

3 ) An explanation of how the amount owed was calculated.

4 ) Copies of any agreements signed obligating you to pay for the debt.

5 ) Provide copies or other verification of any judgment ( if applicable ).

6 ) Prove that federal and state statute of limitations applicable to the debt have not expired.

If such information is not provided within 30 days, the account has to legally be removed. Only if such information was presented can experian reject my dispute as frivolous. In addition, extra documentation was provided on my end and they still rejected it as frivolous. Although I have no knowledge of said account, I paid it in full and documentation was provided to experian and they still rejected the dispute. Please remove immediately or I will be forced to take legal action.
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Consumer complaint received 2021-06-27
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: Experian Information Solutions Inc. (NJ)

I have requested for Method of Verification from Experian and I have not yet received proper documentation verifying or validating the debt/collections that are listed on my report.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is falsely reporting late and past due payments to credit bureaus. In addition to false reporting, as of XX/XX/2021, I am participating in XXXX 's payment program that reduced my monthly payment. The first payment due on XXXX 's program and as agreed to was XX/XX/2021 in the amount of {$250.00}. I made the {$250.00} payment. As of XX/XX/XXXX, I received harassing phone calls from XXXX stating they were attempting to collect a debt. During the call with XXXX, I asked why are they calling when I'm participating in their payment program and I made the first payment. The response was that I missed back payments on the program. I replied that is a lie because the first payment on the program was due XX/XX/XXXX. The XXXX staff acknowledged my payments and stated they are requesting an additional payment while on their payment program to bring the account current. What's the point of a payment program when the retailer does not honor the terms and condition of the program or the payments received? XXXX continues to falsely report past due and late payments in a malicious and unlawful manner. There are no missed payments so there is no past due amount or late payments. My payments are made on time every month.
Consumer complaint received 2020-08-20
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. (WA)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Consumer complaint received 2021-01-25
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: EQUIFAX, INC. (NC)

Submitted dispute on XX/XX/XXXX. Account still shows as disputed and no results. The disputed company has yet to respond after 30 days and the account still remains. I have submitted FTC complaint form and referenced my identity theft affidavit from XXXX where this account was previously disputed and removed by Equifax as a result of identity theft and fraud. This negative account should have been suppressed from re-appearing, equifax is negligent to allow this account to report after previously being disputed and removed. I am a financial victim of covid-19, and a victim of equifax data breach.
Consumer complaint received 2022-03-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC. (IL)

Received a call on XX/XX/2022 About a medical debt I asked him to send over any verification to me with my signature as medical bills are not okay to be sent to collections and may have violated my rights via HIPPA. They would not agree to send me anything told me I need to take accountability and pay my bills, over talked me and said they will keep calling about it until it is resolved. I told them they are no longer allowed to call me only contact will be via mail with whatever information they have on file
Consumer complaint received 2021-07-02
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

I am writing this due to non-compliance with the CRA AND Department of Education They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
Consumer complaint received 2020-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates XXXX XXXX XXXX, XXXX, VA XXXX XXXX bought charged off credit cards accounts from XXXX XXXX in my name. They have committed fraud in communication and fraund in actions. 

They have reported closed debts as OPEN to the credit agencies. 

They have sent false letters claiming communication that did not occur. Note the letter claiming communication from XXXX XXXX. It was never sent in 2017. 

They are claiming false amounts that do not reflect pass payments made to XXXX XXXX. 

Both Credit Cards accounts are more that XXXX ( XXXX ) years old.
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery calls me repetitively every single day, I've asked them to cease and desist all contact to that phone number, 4 times week alone, approximately 20 times total. They continue to call every day, all hours of the day and evening from.different phone numbers and area codes. I have call logs showing the frequency of the calls. I've gone as far as making the person on the phone look up the definition of the words Cease and Desist on more than one occasion and they continue to call repetitively. I've threaten legal recourse and they still continue to harrass me.
Consumer complaint received 2021-04-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have been disputing this account since XX/XX/2020 and asking for the account on my credit report to be verified according to federal law though physical verification of the original signed consumer contact. The investigation took well over 30 days and came back verified with NO proof of contact. This company continues to knowingly violate my rights to Fair Credit Reporting.
Consumer complaint received 2021-04-01
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (KY)

My original home loan was sold to Nationstar dba Mr. Cooper in XXXX. In XX/XX/XXXX I sent my county tax bill to Mr. Cooper within 24 hours of receiving it in the mail. Mr. Cooper confirmed it received my tax statement. I assumed they paid it from my escrow. 
On XXXX I received a past due tax bill from the county I live in. I immediately called Mr. Cooper and they assured me it would be taken care of in 7 business days, and that they would now pay the almost {$600.00} late penalty fee. Seven or eight phone calls later my taxes still have not been paid. 
On XX/XX/XXXX I was told the taxes had been sent priority mail on Saturday XX/XX/XXXX. When the taxes had not been received, I called Mr. Cooper on XX/XX/XXXX and they told me two different stories. First the lady named XXXX told me the taxes were wired two days earlier, then XXXX told me after speaking to XXXX XXXX in the tax department that the check would go out that day ... priority mail. As of XX/XX/XXXX the taxes still had not been received by my county. When we called on XX/XX/XXXX we were told the taxes actually had not been mailed until Monday XX/XX/XXXX. No one at Mr. Cooper can provide us with a priority mail tracking number to prove it has actually been mailed.
Consumer complaint received 2021-07-02
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (TX)

This company ( Professional Account Management Collections ) continues to email me saying I owe them for a debt to XXXX Texas Toll Authority. This is impossible because I have a toll tag with the authority that auto drafts from my bank account once I run out of funds. I have repeatedly tried to contact them by email and phone. Their emails bounce back to me as an invalid email address. Their phone line always says they are experiencing high call volumes and no on ever answers. Then when I put the invoice information in their online form in the emails they send me it says " invalid invoice number. '' I want the harassment to stop because I DO NOT OWE THESE PEOPLE ANYTHING!
Consumer complaint received 2019-11-08
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: ALLY FINANCIAL INC. (FL)

I did not authorize the following entities to check my credit, again! XXXX XXXX XXXX, XXXX XXXX XXXX, ALLY FINANCIAL and XXXX   XXXX. XXXX says their clients have to remove, their clients say XXXX has to remove. Be here done this, not up for the fight!
Consumer complaint received 2019-11-08
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. (CA)

I am writing to request your help. My name is XXXX XXXX. My SSN is XXXX XXXX XXXX, my date of birth is XX/XX/XXXX. There is an account with XXXX XXXX Opened Date : XX/XX/XXXX ; Closed Date : XX/XX/XXXX ; Limit {$3100.00} ; Highest Balance {$4000.00}. Equifax is reporting incorrect information on this account and I want to explain why they are committing multiple violations to the FCRA by doing this. 

I have never been late in my life. This is the first time that a late payment is reported in my credit history. Equifax is the only credit report in which this late payment is being reported. The other two major credit bureaus ( XXXX  and XXXX  are not reporting a single late payment on this account ). Equifax is being unreasonable. 

If this late payment was accurate, XXXX XXXX  should have sent me a notification by mail or a call, as required by law. The truth is that I never received nor a notification, nor a call because I have never been late on any of my accounts. 

I have a Pending mortgage for {$500000.00} because of this wrong information being reported. I didnt even know about this until my mortgage company denied me the loan. Equifax is committing UNFAIR BUSINESS PRACTICES, NEGLIGENCE, MISSREPORTING LATE PAYMENT, and the list of violations can go on once I sat down with my attorneys. 

This is affecting me in a huge way ; emotionally and physically. Equifax must take the following actions in response to this complaint : conduct a reasonable investigation and correct this inaccurate information. 

If Equifax refuses to do what I am demanding, I will not think twice to take this issue and be decided by a judge in a Court of Law for all the violations committed. Believe me, I dont want to go to court, but if this complaint does not make any effect, I will not hesitate. Thanks to whomever reads my complaint. 

Please see ATTACHED BANK STATEMENT as proof of funds at the time the payment with XXXX XXXX  was due. Proving this was not a money factor or even worst that I wouldnt want pay.
Consumer complaint received 2019-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NV)

My mortgage has PMI and I now have over 80 % equity and therefore am not required to pay PMI any longer. I sent a new appraisal to Freedom Mortgage and was ignored for three weeks except to email me with the refinance departments phone number, who told me if I paid {$6000.00} in closing costs I could refinance my mortgage and the PMI would go away. After several more emails and 7 phone calls, I was finally told that they dont accept outside appraisals and I would have to use theirs. I told them to start the process and was told they wont do it until I have 80 % equity on the original appraisal that was done when I purchased the home and not on the new appraisal that clearly shows much more equity. 
The complete lack of customer service was deplorable.
Consumer complaint received 2021-07-02
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. (SC)

I am XXXX XXXX and this is not an unauthorized third party! Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX XXXX never gave credit reporting agencies any written consent to report anything on my consumer report. No consent is identity Theft. This is a direct violation of Federal Law! These credit reporting agencies are reporting unauthorized collection accounts and never produced a written consent from me the consumer! pursuant to15 UNITED STATES CODE 1681n collection agencies are civilly liable for noncompliance. I have took my time to study federal law and i'm now aware of the laws collection agencies violate the consumers on daily! I'm a federally protected consumer and i demand my right to privacy 15 UNITED STATES CODE 1681a
Consumer complaint received 2021-07-02
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 — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (AL)

I have attempted to contact this collection agency on numerous of occasions asking them to verify information relating to a debt that they say I owe. I ask for validation within 15 dates of my request to only have Midland Credit to send an email saying the account has been updated but none of the information I requested has been verified. I need validation of date of service and original owner of per said debt.
Consumer complaint received 2021-08-14
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: Experian Information Solutions Inc. (CA)

I disputed a 30-day late payment to my credit report during Covid 19 Unfortunately with the stay-at-home orders, my business was shut down most of 2020. When I called and spoke to the XXXX customer service person regarding my payment for XX/XX/2020 being paid late, I was told that as soon as I could bring my account up current that they would remove any late payment history from my account, as long as it was within the time frame we set, which was no more than 30 days. My account was paid late for the month of XX/XX/2020 however, was brought current by XX/XX/2020, within the XXXX time frame we had agreed upon. Now after the fact, XXXX is reporting a late payment still for XX/XX/2020. I have tried contacting them to have this removed as well as filed a CFPB previously since I could not get a response back by mail. The response that I received from the cfpb complaint from XXXX was that they will not remove the late pay : '' XXXX did not cause the error of reporting status '' There was no acknowledgement of anything that should have been taken into consideration with my account. This is not a normal practice for me, I am a business owner and pride myself on paying my debts on time with a good history. With the nation trying to get back on track financially, one would think that a large corporation would be much more willing to help a consumer with removing one late payment off of the credit history especially when the consumer has a XXXX balance and made the account current as stated within 30 days. Very disappointed
Consumer complaint received 2020-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST HERITAGE CREDIT LLC (LA)

I received a letter from XXXX XXXX XX/XX/XXXX stating that owed an original creditor an amount. The letter stated that I needed to contact the firm. That the amount stated is delinquent & owed. That there have been no indications that I have made any payment arrangements to resolve the matter. The letter stated I had 30 days to dispute the validity of the debt. On XX/XX/XXXX reiterating the same rhetoric and language. I responded to the letter with my own letter on XX/XX/XXXX in which I disputed the validity of the debt. I requested that they provide me with validation of the debt as well as other remedies required of them by law. On XX/XX/XXXX they responded with no validations and further threatened to sue or litigate matter if I did not provide full payment within ( 10 ) days, together with any court costs, attorneys fees, and other fees which may be incurred. They requested that I call them immediately to theyre office or face legal actions after I requested in writing to communicate only thru writing.This law firm is unprofessional in its conduct concerning this collection matter. I have consulted an attorney and was advised to file this complaint to aide in our defense should litigation occur. I will be responding to theyre most recent letter of XX/XX/XXXX. I will include the all the correspondence between us for your preview. Thank you