davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

To Whom it may concern, 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 a number of items on the report that are inaccurate. 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. 

1. Under the FCRA this account may not appear on my credit report if it can not be supported by any documents / evidence. 
XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. You sold this account to a COLLECTIONS AGENCY. This made me VULNERABLE to IDENTITY THEFT. 
XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 




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 dont 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 accounts must be promptly deleted. 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. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE 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. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA AN ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2023-03-28
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. (NJ)

A handful of accounts showing up on my credit report that are not mine on XXXX XXXX FICO score and Experian. 
XXXX credit card with {$700.00} balance XXXXXXXX XXXX XXXXXXXX card with {$0.00} balance XXXX car loan {$23000.00} balance XXXX XXXX XXXX  {$9600.00} balance XXXX XXXX  XXXX {$61000.00} balance XXXX XXXX {$260000.00} XXXX
Consumer complaint received 2023-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (NV)

XXXXXXXX XXXX XXXXXXXX has appeared on my credit report showing as of XX/XX/2023 states original creditor XXXX XXXX XXXX XXXX for the amount of {$3200.00}. I have requested for several months validation of this debt and the original debt the original creditor opened, closed and payment history for the account they are reporting and as of XX/XX/2023 I have received nothing in the mail, text or email. This is a violation of the FDCPA for a collector to refuse to send validation notice or fail to respond to my verification letter. This XXXXXXXX XXXX XXXXXXXX account needs removed from my credit reports as soon as possible.
Consumer complaint received 2021-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NC)

I have contacted XXXX XXXX XXXX XXXX XXXX XXXX. I no longer owe XXXX. They have received their equipment but still wanting to get {$970.00} from me. I am not responsible for this debt and it's stopping me from getting approved for my home. I have disputed with XXXX, XXXX, and Experian and there has been no response to verify that I owe them.
Consumer complaint received 2021-04-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My mom received, by mail, a Servicing Transfer Notice dated XX/XX/XXXX stating that XXXX loan was being moved to Select Portfolio Servicing, Inc. XXXX SPS ) on XX/XX/XXXX and that this transfer does not affect any of the terms of her thought to be 30-year mortgage loan. 




She later received a Notice of Maturity Date-Final Payment Due letter dated XX/XX/XXXX from Select Portfolio Servicing , Inc. Stating that if all due amounts on this account are not paid in full on or before the Maturity Date ( XX/XX/XXXX ), the property listed, XXXX XXXX XXXX XXXX XXXX NY XXXX, will be at risk of foreclosure. It was also stated that they will no longer accept monthly payments that are less than the full payoff amount on or after the Maturity Date. This is clearly a bait and switch tactic assuming that my mother who is elderly at XXXX XXXX XXXX would not review the fine print as they attempt to trick her out of her home. I was under the impression that XXXX was a reputable company and would assist but I am unclear who switched out the policy on my mother as they were never clear and transparent in their actions and never took the time to carefully explain anything to my mother which is unfair she is retired an would never be able to assume or pay the mortgage balance and given that fact should have never been unknowingly duped into this the terms of repayment were never explained to her limited understanding at her current capacity and was never agreed upon. I am hoping that someone can investigate this incident to ensure that other elderly citizens that we should be protecting aren't being stolen from for capital gain. 




My mother 's name, XXXX XXXX, her home was purchased on XX/XX/XXXX, XXXX she was unaware that this was a 15-year Balloon Disclosure, and i was unaware as well. I am not listed on any paperwork as authorized, but I now handle all mortgage business for my mother by phone after her verbal approval I wish I had noticed the game of three card monty the bank has been playing with my moms life sake, she has never refinanced or tried to sell she was just trying to live out her days in her actual home Un intruded I am hoping that someone there is able to help my mom from being thrown out on the street during Covid, she always pays her mortgage and planned to continue doing so until this sham took place. Please feel free to reach out to me for any more information I may be able to provide XXXX XXXX ( Daughter ) XXXX loan # XXXX
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I purchased my current home over two years ago at a guaranteed rate. Shortly after my load was sold to the 5-3rd bank. 

I have PMI as I put less than 20 % down. I have made substantial improvements to my home, like the kitchen, bathroom, all new flooring, baseboards, crown molding, interior paint and new lawn and irrigation. 

My home has appreciated over the two-plus years as well as I have spent considerable money on upgrades. I contacted the bank on XX/XX/2022 to see about getting the PMI removed. 

I have contacted the bank over 20 times online through chat or on the telephone directly, trying to get an appraisal on my home to get a true value for the home and eliminate the PMI charge based on more than 25 % equity. 

They continue to say I need to fill out a paper again, or we didn't receive that paper and we received the paper on the 30th, even though I have an email from the bank saying it was received on the 30th. I have sent the same paperwork in to them 3 separate times. 

I have been at this for 6 months!!!!!!!!!!!!! 

I need help. 

Can you help me, please?
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (OH)

I have been on the covid-19 forbearacne for the last 18 months. Before 18 months, I applied to reinstate payments and was told my loan would go to underwriting. 

Over the 18 months I kept asking to speak with people knowledgeable about my options as opposed to the receptionists I kept speaking to. I was always told I couldn't. I also asked if modification is likely and they always told me yes as they didn't see issues as to why I would not qualify for a modification. 

Now, two months after filling out a loss mitigation application, I am being told ( 1 ) my modification was denied, ( 2 ) I need to fill out an application, which I already did and ( 3 ) were on the brink of foreclosure. 

Flagstar lied to me and mislead me for the previous 18 months as it relates to my mortgage forbearance. Had I known this was going to happen, I would have re-evaluated my options.
Consumer complaint received 2021-04-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (VT)

I had a fire in XX/XX/XXXX. My insurance company sent me the check to fix the damage in XX/XX/XXXX. I mailed the check to the mortgage company Lakeview Loancare in XX/XX/XXXX. 

It is XX/XX/XXXX and the mortgage company refuses to release my funds to my contractors. 

They also refuse to put in writing what is necessary for me to do to have those funds released. They refuse to email me what needs to be done to release the funds. When I call them they place me on hold and then hang up the phone. I have asked to speak to a manager and the person says no and hangs up the phone.
Consumer complaint received 2022-11-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-03-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GVA Holdings, LLC (AL)

Starting receiving calls from out of the blue from this company, XXXX XXXX XXXX, from a guy named XXXX XXXX in XX/XX/XXXX, regarding a payday loan that was supposedly taken out in the amount of {$300.00}, from Riverbend Cash in XXXX, which is now out of business. I asked for written proof of this debt and was sent an email from a XXXX XXXX through XXXX sign, stating that the loan was sold to several different companies, none of which appear to be real companies as I did searches to locate. They want me to sign this. The only way I could get anything in writing was to tell them I would possibly pay them if I got proof. This company also does not appear to be a legitimate company and I have found many spam alerts regarding them. They have threatened to take me to court for fraud and told me I would be charged with a felony. They have called family members harassing them as well. I have told them to take me to court if they feel that it is necessary and to stop calling. Still receiving calls from them, but now from a blocked number.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NJ)

A check ( # XXXX ) which was issued one year ago on XX/XX/XXXX to a vendor company, was processed and paid by the Wells Fargo Bank, when that check got deposited on XX/XX/XXXX. 

There was a STOP Payment on that Check but as per the Bank Policy the STOP Payment is Valid only for Six months.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (NE)

On XX/XX/year>, I opened a new Standard Savings account with US Bank. They advertised a {$200.00} bonus offer ( promo code XXXX ) for new accounts opened through XX/XX/XXXX that deposited at least {$15000.00} in new money by XX/XX/XXXX and maintained a minimum account balance of {$15000.00} until XXXXXXXX XXXX XXXX. I met all the requirements for the bonus, but did not receive the funds after XX/XX/XXXX. ( I have attached a document with the terms and conditions. ) On XXXX XXXX, I contacted US Bank via live chat and was told I met the requirements and should receive my bonus on XXXX XXXX. XXXX XXXX came and went with no bonus. On XXXX XXXX, I called US Bank via their customer service phone number and was told they were submitting a research request to determine why my bonus had not been paid. They said I should get an email response in XXXX business days. I have not received a response. 

Please assist me insetting the {$200.00} bonus I was promised.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Subject : Incorrect Information Reported by Credit Bureau : XXXX I am writing to file a new complaint against XXXX for the following items that were reported negatively and should be removed because it can not be validated. The accounts are XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. XXXX  account # XXXX, date opened XX/XX/XXXX. And XXXX XXXX account # XXXX date opened XX/XX/XXXX. 
There is not enough creditor information being reported by XXXX and it does not even match with the other reporting agencies either. I have attached the correspondence letters that I sent to them originally, and they havent responded accordingly and also WITHHELD information that I requested previously. 
These items listed above are inaccurate, unfair and unverifiable derogatory, an according to 15 USC CHAPTER 41, SUBCHAPTER III : CREDIT REPORTING AGENCIES, XXXX as violated the law and ignore the procedures and did not release any information to me on how they verified these accounts and reported them on my credit report.
Consumer complaint received 2022-06-17
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. (WI)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2023-01-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX/XXXX/XXXX
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to validate this account. It is not acceptable to treat this reporting account as unverified information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-10-28
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. (GA)

Reported errors for over 2yrs using dispute process, came back " verified '' each time, agency failed to report only accurate information for over 2years and even allowed creditor to re-date payment history to appear as recent causing severe damage to my creditworthiness in the eyes of lenders.. i submitted multiple disputes to fix this and nothing happened, i asked for the accounts to be dele/ted but they simply updated some items and left the entries on my report..as of this date/ they are still not accurate * the credit bureaus are required to report only 100 % accurate information and they have violated FCRA and the creditor has supplied incorrect information for years and verified it as accurate each time it was disputed, everything for dates to balance to payment history has been different in each reporting to the bureaus but came back verified each time it was disputed
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery Associates , LLC have been collecting payments as a collection from me. They were awarded this unlawful agreement through court. I have paid the unlawful debt agreement in full and instead of Portfolio updating the amount on my credit report, the company stated that I have being making inaccurate payments on the account after the accurate was paid in full. The company verified through several XXXX disputes that my account was accurate on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XX/XX/XXXX. These verification were all a misrepresentation of my ability to make the unlawful payments. Therefore continued to damage my credit worthiness. I received a certificate of service in the mail that states that this unlawful debt was satisfied in full on XX/XX/XXXX, in XXXX of XXXX by mail. This is also a fabrications, the bill was paid in full in XXXX. Even with all the misrepresentation of this account on my credit report as of today, XX/XX/XXXX, Portfolio Recovery Associates , LLC is still showing that I owe XXXX on my credit report even though they sent me a letter stating that the debt is PAID IN FULL in XXXX.
Consumer complaint received 2023-01-22
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. (NJ)

I am writing to dispute the improper use of my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. 

Section 607 ( a ) of the FCRA states that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I have reason to believe that the information contained in my credit report is inaccurate, and I request that it be investigated and corrected immediately.

Furthermore, Section 611 of the FCRA requires that " any person who knowingly and wilfully obtains a consumer report under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. '' I believe that my credit report was obtained without my consent or authorization, and I request that the individual or entity responsible be held accountable for their actions. Additionally, I had identity theft due to XXXX XXXX XXXX I request that you take immediate action to investigate this matter and provide me with a copy of my credit report as soon as possible. Thank you for your attention to this matter.
Consumer complaint received 2023-06-28
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. (NY)

This is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}.