davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2024-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (CA)

My contract with XXXXXXXX XXXX was held for {$2600.00} for Equipment paid in full following negotiations with a third party and XXXX requirements ( paid XX/XX/year> ) to have equipment paid off in order to cancel service with my ( suspended until resolved or 12 months-end date XX/XX/year> ) XXXX account but account is still being charged and sent to a third party collections for non payment on an account that has been paid in full and requested to cancel for several months
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2022-08-11
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. (OR)

While XXXX in the Service of the United States XXXX as an XXXX XXXX my vehicle was in storage on XXXX XXXX in Florida. XXXXXXXX XXXX XXXX XXXX who at the time had a contract to perform wrecker services at XXXX XXXX went onto the base and stole my vehicle from the base 's storage lot. 

UNITED STATES XXXX XXXX XXXX XXXX OF FLORIDA XXXX DIVISION Case No. : XXXX XXXX XXXX, XXXX XXXX v. 
XXXX XXXX XXXX  XXXX, Defendant. 

This case was processed under the Service Members Civil Relief Act ( SCRA ) and the plaintiff ( myself ) won the case ( Vehicle was stolen in XXXX and amended final judgement entered on XX/XX/XXXX ). XXXX XXXX XXXX XXXX closed their business to avoid paying out the court ordered judgement and to avoid being held accountable to XXXX as it related to them acquiring the vehicle and hiding this from XXXX by requesting a new title for the vehicle. Both myself and my legal representation informed XXXX of the case as it progressed and XXXX made no reasonable effort to aid or to do their own due diligence to protect their investment and their vehicle, by their own laziness and ineptitude they pinned the loss of the vehicle on me and " washed their hands of it '' to avoid the effort that would have been required for them to protect their vehicle and their consumer. 

This case can be found with an online search of the case number.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

I got a chase credit card which had a promotional rate of XXXX united miles upon signup and spend of {$5000.00}. Two days after the card was issued, the promotional offer went to XXXX miles. I had called the company and they indicated that they would honor the new promotion and add the miles in the next statement period. That was over 5 months ago. I have been calling at the close of every statement period and I keep getting the same answer- it will be added in the next statement period. This is deceptive marketing and waste of customer 's time and effort. I am still missing the promised XXXX miles from my united account.
Consumer complaint received 2020-03-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Looked at my Experian report on XX/XX/2020 and the report dispute results show that the Bankruptcies were taken off. I log back on today, XX/XX/2020 only to see that the bankruptcies are put back on my credit report without no letter sent explaining why nor did experian send me a 5 day notice for reinsertion. Nor did experian respond to my letter regarding that I sent stating : Dear Credit Bureau ( Experian, XXXX or XXXX  ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report.

[ List account names and account numbers ] As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

As proof of my identity, I have included copies of my police report and utility bill. I am requesting an investigation not a verification regarding these erroneous bankruptcies and the accounts in dispute that are up under the bankruptcies that do not belong to me. I am a Nevadian and have been for almost 10 years. Remove immediately! 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX PER FCRA LAWS : FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY The FCRA states that your information may not be reinserted on your credit file by the credit reporting agency unless the furnisher of the information certified that the information is, in fact, true and accurate. Furthermore, the consumer reporting agency is required to send the consumer written notification within five business days that the information has been reinserted and prove the credit reporting agency sent in the proper documentation validating the accounts. if you successfully disputed and had a delinquent account on your credit report removed, the credit reporting agency could only put the account back on your report if it received information from the company that the account was accurate and if it provided you with notice that the account was placed back on your report along with the documentation.
Consumer complaint received 2022-08-11
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. 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. 
The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Consumer complaint received 2024-10-19
Product: Credit reporting 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. (GA)

I am filing this complaint to formally notify the CFPB of fraudulent accounts and an unauthorized inquiry appearing on my credit report as a result of identity theft. I have previously attempted to resolve this matter directly with Experian, but the issue remains unresolved. As such, I am requesting the CFPBs assistance to ensure my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ) are upheld.
Consumer complaint received 2020-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

So I filed a claim with wells fargo fraud department about a unauthorized XXXX transfer that was done in my account thats I was unaware of. I waited 10 business days to be only told that I was the one who sent the money when I have no relations to the person nor have I ever met them to be sending them {$440.00} and im a victim of fraud and need my funds returned back to me. They closed my account I have been banking with them for a long time and it frustrates me that they refuse to help me.
Consumer complaint received 2022-04-08
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. (FL)

I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX2022 This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.
Consumer complaint received 2020-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

Transworld Systems contacted me in XXXX regarding a collection account that was sold to them by XXXX XXXX XXXX. I sent them a certified letter requesting they validate the debt. In XX/XX/XXXX, Transworld sent me a bill in the amount of XXXX from a company by the name of XXXX XXXX. According the bill, XXXX XXXX ( not my name ) had electric service at XXXX XXXX XXXX in XXXX, TX XXXX. I have never lived in Texas nor I have I heard of XXXX XXXX. I filed a police report at the time. However, I can not find it and neither can the police department. I refiled the report today. I then learned that Transworld Systems placed a collection account on my credit report for a bill in the amount of XXXX with a company named XXXX XXXX. I have never had an account with XXXX XXXX.
Consumer complaint received 2019-05-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (FL)

I held one particular XXXX XXXX account since XXXX, that has a {$30000.00} credit limit. In approximately XXXX__ I guaranteed a credit card for a corporation that could eventually had difficulty making payments on time and during the merger in XXXX/XXXX. for XXXX XXXX, XXXX could not find that account at all. At that time, XXXX XXXX cancelled my personal credit card that was in good standing and had been in place for almost 17 years. In addition, XXXX XXXX began to charge a penalty interest rate of 29.99 % making the interest payments on this debt almost impossible, let alone payments to the principal. Many attempts were made to contact XXXX XXXX but to no avail. Multiple collectors from XXXX call my work several times a day, using aggressive language and tactics with me, my assistant and the receptionist. They have called my son. Attempts continue to be made directly to XXXX XXXX to resolve the issue and get on a reasonable principle and interest payment amount, but nothing gets resolved. They continue to harass me, destroy my credit rating and refuse a resolution.
Consumer complaint received 2019-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Higher Level Processing (PA)

I used a 3rd party company, Higher Level Processing to refinance my student loan. This happened through XXXX. Higher Level processing has been deducting fees from my account and failed to pay XXXX causing my account to go delinquent and has now effected my credit to the point that I am not getting approved for my house that I am scheduled to close in in less than a month. XXXX was never able to contact me directly to discuss any late payments as Higher Level set up my information as there office. All emails, postal letters and phone calls went to Higher Level from XXXX and the payments were never made. I have brought my account with XXXX current directly with them, but the credit reporting has not been addressed. I need both Higher Level and XXXX to be responsible for the hit to my credit report and request it be removed from my credit report as Higher Level worked fraudulently to solicit funds from me for a service they failed to provide. Causing my credit report to show inaccurate information. In addition, having the account set up under Higher Levels contact information, address, and emails is an act of identity theft.
Consumer complaint received 2019-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX I got an email stating my account was overdraft {$100.00}, I instantly went check my mobile app to see what was going on. When I logged in the screen said account closed and had an XXXX number for me to call, I called the number and spoke with a gentleman that said Bank of America has decided not to do business with me and my account is closed. I didnt get a notice, I used my card the morning of XX/XX/XXXX I just picked up a temporary atm card on XX/XX/XXXX no one said anything. This messed up my direct deposit I have to wait until next week to get my paycheck and I couldnt get my money out the account, they send it back in a check and that takes a week. I have a rental car that I couldnt pay for with the rest of my weekly bills not to mention the autopay I had set up I cant even eat all because my funds are tied up due to Bank of America deciding to close my account with no explanation. This is HORRIBLE ... I will never trust a bank again and definitely will never have all my money in one spot. I have 2 bank accounts now with no money in them thanks to Bank of America. I want to take further action.
Consumer complaint received 2020-11-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am incredibly upset! My underlying reaction to the erroneous thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Ordinarily by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been well over the expansion period given. I have exhorted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. On the off chance that you don't eliminate this wrong data promptly I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my records and types of correspondence with you on this issue just if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to collaborate. In XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ( XXXX.XX/XX/XXXX ), you will be considered answerable for your choice not to not agree. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy essential necessities to get by during this troublesome monetary period. In the event that your next reaction to me isn't a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Fair Credit Reporting Act isn't erased I will proceed with my FTC grievance. As shown by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see clear proof ( i.e. : a unique purchaser contract with my mark on it XXXX that you have on the report for the record recorded underneath. 

Your failure to quite check these records has hurt my ability to obtain credit. Under the FCRA, wrong and mysterious data must be erased from a consumer 's credit report.
Consumer complaint received 2019-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

My hardship began on XX/XX/2008, due to a very violent robbery on my business, I was shot and badly injured. I could not manage my business and I had a business failure. I had no income and our interest on our mortgage changed and the monthly payments increased. 

We were left in a very bad financial situation. Our household expenses also began to be too high, It was hard to keep up with all our financial obligations. 

Today I live off my social security benefits and my daughter is working and helping with our expenses. 

I have made several attemps asking the several servicing companies and investors to which my loan has been transferred, to review our situation and approve us for the best loan modification program that we are eligible. I would like to maintain my loan at 2 percent interest rate, reduce the amount of money owe, and have an affordable monthly payment. 


I would to request that Shellpoint mortgage to provide me with this information : 1. Proof of Chain of custody of title.

2. Proof of The amount of monies exchange for all of this transferring of ownership transaction. 
3. Proof the account has never been charged off ; where by an internal book entry credit has been applied, bringing the balance to zero ; and then without my consent a creation of a new account, was formulated, where the previous unapplied credit remained outstanding balance after the internal credit application. 
4. Proof that the a claim for mortgage default insurance was submitted as it is customary after the 3 months of mortgage default, and it was denied.
Consumer complaint received 2019-05-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

I received a letter dated XX/XX/2019 that stated that there was an escrow shortage and that I needed to pay a shortage amount of {$2300.00} or my monthly payment would be raised to {$5600.00}. I immediately send a check for {$2500.00} with escrow written on the check along with the escrow coupon stating {$2500.00} deposit and made copies. I then logged into the mortgage account online to routinely check the status of my mortgage account and noticed that although I had paid the {$2500.00} to escrow my account had not been credited even though the check was cashed on XX/XX/2019. I called into the bank on XX/XX/2019 at approximately XXXX to question why my escrow payment was not credited and they made up a story about how it must have been an " oversight '' and that they would " try '' to fix it immediately. I was then told that it was escalated and that they would call me once it was fixed. PennyMac has defrauded me and are trying to raise my mortgage payment even though I quickly paid the escrow shortage. Who knows how many other people they have done this to in order to manipulate payments and cause financial harm to consumers.