davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Aqua Finance, Inc. (TX)

This loan was originally obtained when I was married. During my divorce was an account that " fell through the cracks '' and wasn't paid. This account was later disputed through a company i hired after my divorce to help fix my credit. The debt had been removed and then re-reported under a collection agency which purchased the account. While trying to refinance my home, it came to my attention ( only until then ) that a lien had been placed on my home by Aqua Finance. I never received notification of such action and per Aqua Finance a notification had been mailed through regular mail. Mail where I live doesn't always get to me and I manage that by keeping track of bills and other items electronically through email notifications.

When I spoke with Aqua Finance at this time they claimed they didnt have to send anything certified or verify that i received a notification for the lien which i feel is very deceiving. A few days passed and they re-reported the debt from a XXXX balance collection account to a full balance ( {$3900.00} ) placed for collection account. 

I feel this is a violation of the Dodd Frank Act as it is an unfair practice of Aqua finance placing a lien on my home without properly advising me, and then taking it further re-reporting a debt to my credit days after I called them. In them re-reporting the debt with a balance as an open collection, it caused my credit to go down 86 points, which seemed to be done on purpose to aide them in collecting the debt by affecting my credit when I was trying to refinance XXXX which they knew was how I found out of the lien on a XXXX balance collection account days before )
Consumer complaint received 2019-06-07
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. (FL)

EQUIFAX HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EQUIFAX IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EQUIFAX CONSENT TO REPORT THESE INACCURATE ITEM ON MY  CREDIT REPORT. 
EQUIFAX DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXXXXXX XXXX XXXX-NOT MINE ADDRESSES : FL, FL XXXXNever lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FM XXXXNever lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX/XXXX XXXX  -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX   XXXX -- NOT MINE XXXX XXXX XXXXXXXX -- NOT MINE
Consumer complaint received 2019-05-12
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. (FL)

This is my official request to have the aforementioned item to be deleted off my credit report ; This letter to dispute a claim that is falsely listed on my credit report with your bureau. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Consumer complaint received 2019-05-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I sent notice to validate debt to portfolio recovery on XX/XX/2019. Portfolio received notice on XX/XX/2019. In return Portfolio sent bills and statements. They did not send documentation verifying the debt. They did not send contract containing my signature or that I was the individual who indeed opened account or owed said debt. I sent a follow-up letter on XX/XX/2019. Portfolio has yet to respond to my request. It is now XX/XX/2019. Well past the deadline of response. 

Portfolio has violated my rights under FCRA by not responding to my request.
Consumer complaint received 2019-09-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc. (TN)

I bought 2 televisions and a sofa and loveseat from Conns almost 2 years ago, and financed through Conns credit. 
The couch, which supposedly has a 2 year warranty is coming apart from the inside ... literally breaking apart. 
I followed Conns instructions for getting the sofa repaired, including sending pictures, and was informed that I needed to send copies of the original purchase agreement to process. Unfortunately, I dont have the original agreement any more. 
I am withholding payments on my account until this is rectified.
Consumer complaint received 2019-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (WV)

I contacted Phoenix financial services about inaccuracies on my credit report. I have two accounts one totaling {$830.00} and the other {$190.00}. XXXX found inaccuracies on both accounts and they were deleted. XXXX deleted the account totaling {$190.00} but Im currently under dispute with the account totaling {$830.00}. I disputed the accounts with XXXX and on or around XX/XX/19 the accounts was removed from XXXX  please see attached picture. On XX/XX/19 I checked my credit report and both accounts were back on XXXX. Its the law that a credit bureau has to give 5 days notice that theyre adding something back on my file and I didnt receive anything and have since redisputed these with XXXX  on XX/XX/19. The representative had no answer to why. I have asked phoenix financial to provide ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Under law phoenix financial is responsible to communicate to all credit bureaus of the inaccuracies and delete items. Its leaving me no option than to start the litigation process if this isnt corrected.
Consumer complaint received 2019-05-12
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: Colony Brands, Inc. (TX)

My grandmother got a letter in the mail stating I had tried to purchase a credit card for some company and called me immediately to ask me about this. My grandmother lives in XXXX, XXXX  and I live in XXXX, XXXX. I haven't lived in XXXX, XXXX for years. My grandmother then tells me that my Aunt has gotten a hold of my social security number from old school records my mom left behind, and has applied for a credit card in my name. I reported this online for fraud and never heard anything back. I'm young so I'm not 100 % sure how to go about this, and I work a lot so I haven't been able to get to a police station to file fraud on her. My wife and I are looking to buy a house soon, and need to correct these mistakes as soon as possible please. Thank you!
Consumer complaint received 2019-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Circle Internet Financial ()

Good day, Today, XX/XX/2019, US based virtual currency exchange XXXX announced it was proceeding to an haircut of 16.202 % on the balance of the Bitcoin liquidity providers on its platform. This is due apparently to margins cascade failure that happened on XX/XX/2019 : https : XXXX I had XXXX bitcoins on the XXXX exchange for providing loans and now I only have XXXX bitcoins left after what XXXX seized to cover their losses. This represents a loss of {$12000.00} for me. 

The problem is I had 0 bitcoins on their platform the day of the margin event ( XX/XX/XXXX ) as I deposited my funds only on XX/XX/XXXX. So I suffer an haircut for a date when I even wasn't a liquidity provider. 

Thank you, XXXX XXXX.
Consumer complaint received 2019-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I found inaccurate and outdated information on my Equifax report. I submitted a dispute. Multiple issues have resulted : 1. Equifax sent me an email saying that my dispute was resolved, with Confirmation Number XXXX, and a web link to see the results. The link did not work, so I could not see the results online. I tried repeatedly. Why doesn't their link work? 
2. I called Equifax to get the results of the dispute, and they connected me to their offshore call center. They asked me 20 questions to confirm my identity, even though I explained the situation and provided Confirmation Number XXXX. Finally they asked me two irrelevant questions : What is the minimum balance payment on my credit cards, and what date did I submit my Fraud Alert. I always pay my credit card balances in full, and have no idea what the minimum monthly payment is. Who cares what it is, as long as I pay it in full every month, which they can see on my credit report. I did submit a Fraud Alert, but I do not remember the date submitted. Who cares when I submitted the Fraud Alert, I did confirm that I submitted it but could not remember the date. So, because I could not answer these two irrelevant questions, they wanted to hang up on me. How about that? 
3. I asked to speak to a supervisor. I discussed the two issues that were on my dispute submission. One issue is that they are reporting credit accounts that were closed ( in good standing ) more than 20 years ago. I recall that one was closed in XXXX, but there were many more old accounts, all closed in good standing, that are still being reported. The supervisor could not correct this situation. Why Not??? The second issue is that their records show that I have a " XXXX '' suffix after my surname. This is totally false. I am the one and only, not the XXXX. Supervisor told me to send them a letter by US Mail with corrections. I asked them to provide me with a form to fill out so that I wouldn't inadvertently provide insufficient information on this issue. Supervisor said that no form was available, just mail a letter. Why don't they have a form to submit corrections? This seems very unprofessional to me. What do you think?
Consumer complaint received 2019-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2019 I went to Wells Fargo to find out why I had no money in the bank as I have twXXXX electronic deposits made at the beginning of the month. My VA XXXX Check and My SSA Check, Upon talking with Banker XXXX XXXX he provided me with a listing of transactions made to my account, On XX/XX/2019 a recurring transfer was made for {$70.00} and a XXXX transfer for {$500.00} and on XX/XX/2019 another XXXX transfer for {$500.00}, upon looking at these statements that XXXX printed out for me there were other transfers made earlier in XXXX, XXXX and XXXX all with overdraft charges. With the printed statements provided to me a total of {$220000.00} was transferred witch caused {$360.00} in overdraft charges being made. I contacted Wells Fargo in XX/XX/2019, that there were unauthorized transfers made to my account. The bank froze my account, my online banking was frozen, they issued me a new account and debit card I had no access to the information as my statements were not mailed to me due to online banking. I contacted the fraud department in XX/XX/2019 and filed a claim as well as XXXX filing a claim in XX/XX/2019. I asked my daughter on XX/XX/XXXX. 2019 to accompany me to the bank to assist me with this issue. She was put on my account to have access to get information from the bank as I am XXXX years old, I cant hear well, cant walk I'm in a wheel chair and it is very difficult to get around. I filed a police report and provided Wells Fargo ( XXXX ) with a copy, the only information I received from them is that since my daughter was added to my account this is when these transfers started which is not true I have been having issues since XXXX, they also claim that I compromised my account, they did not provide my with any other information. The bank sent a social worker out to my house from the adult protection agency to see if there was something happening at home. To date the only information I have received is the denial of any reimbursement from the bank for the above stated reasons.
Consumer complaint received 2019-09-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (AL)

On XX/XX/2019 my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Consumer complaint received 2019-06-07
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: Lending Club Corp (GA)

After sending many letters Lending Club has failed to validate this debt in accordance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

Letter dated XX/XX/18 Certified Mail Signed for XX/XX/18 The initial request, requesting Validation of this debt The law states that I'm entitled to competent evidence bearing my signature showing that I have ( or ever had ) contractual obligation to pay you the law also states you must respond within 30 Days of receipt of my original correspondence. 

Letter dated XX/XX/18 Certified Mail Signed for XX/XX/18 Response to their reply to my initial letter. 
This letter notified Lending Club that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. Also was a formal request of the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, requested that they provide the name, address, and telephone number of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof, bearing my signature. 
Another formal request, requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Several disputes were initiated with XXXX, XXXX, XXXX each time Lending Club sent verification stating that this is a validate debt and not providing any additional documents. 

I have maintained a careful record of my communications with Lending Club for the purpose of filing a complaint with the CFPB, should you continue in your Non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws I will move forward with the Attorney General 's Office and if that leads to a dead end I will have no choice but to have this issue placed under litigations. 



Based on my paper trail of clear oversight and neglect by Lending Club the following violations could allow me to seek compensation for damages a minimum of {$1000.00} per violation -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) -Defamation -Negligent Enablement of Identity Fraud
Consumer complaint received 2019-05-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TX)

XX/XX/2019 XXXX XXXX XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX , TX XXXX Good morning, My husband and I are reaching out to you, in the hopes that you will assist us with our dealings with mr. Cooper. 

Currently, mr. Cooper is making NO effort whatsoever to engage us in meaningful and substantial dialogue, which will lead to resolving our foreclosure situation. 

To begin - our loan was transferred to mr. Cooper, from Seterus Loan Servicing, in XX/XX/XXXX. At the time our loan was transferred, we were in default, however, Seterus had modified it, 2 years prior - to roughly 150 % loan to value. This is an important piece of information, as I'll explain in a moment. 

We initially hired an attorney to assist us with our negotiations - XXXX XXXX XXXX. Mr. XXXX did little more than cash our checks, in his efforts to resolve this situation for us, so after disengaging with him, we retained a company who claimed they performed loan modifications - XXXX XXXX XXXX. This company did almost as much work as attorney XXXX.. NONE. 

Since disengaging with XXXX at the end of XX/XX/XXXX, we have been repeatedly told by mr. Cooper that our file/account is STILL labeled as In Default Litigation and that they're unable to discuss our account with us. 

This, in spite of the fact that we sent our confirmation letter of disengagement with XXXX, as well as a complete explanation of our relationship with mr. XXXX - along with a request to correct the current account status, as we're looking at a Summary Judgment hearing on XX/XX/XXXX. 

This process has been incredibly frustrating and, we we're told buy mr. Cooper before hiring XXXX, that no modification could be done - due to the fact that the loan was beyond the legal guidelines to modify. I'm referencing the 150 % loan-to-value modification that was done by Seterus. 

It's clear that mr. Cooper acquired this loan, knowing full well of what their intentions would be, with a very nefarious intent - either Force us to come to the table with cash ( which they've done. Demanding {$38000.00} ) or, take our home by way of sale, cash in the insurance on the loan and then sell our property for pure profit. 

Mr. Cooper has been accused and convicted of this type of activity thousands of times. We need your assistance to call them to the table and demand that they resolve this issue. 

Thank you in advance for your help with this!!
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

Experian has listed on my credit report as my home pertaining to a business. On several occasions I have asked then to remove that as I have never has a business at my home. They have told me that it has to stay.