davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
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. (OH)

This is the third time I have complained about this account on my credit Report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following ac-count they are not accurate : XXXX XXXX XXXX  USA NA # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I in-tend to pursue litigation in accordance with the FCRA to seek re-lief and recover all monetary damages that I may be entitled to un-der Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.
Consumer complaint received 2022-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX ( XXXX ) XXXX called and labeled as Portfolio Recovery. The number called a private line of mine that is only friends and family. Looking for someone, that I have no idea who this person is. Since this is a second very private number, the number above has repeatedly called me without permission to my phone number or even access. I am unsure of how would have my phone number and why would call me. It begs the question of how did Portfolio Recovery find a private number that is only given to family and friends? I believe something illegal is being done by Portfolio Recovery to obtain phone numbers and names, in their debt collection process. 

The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. Based on Portfolio Recovery calling my private number, they are engaging in criminal behavior, and attempting to falsely create debts by deceptive practices in obtaining names and information. Theses are deceptive practices, or engaging in deceptive, because private number only given to family and friends. Portfolio Recovery has no business calling me and unlawful way of obtaining my private number while harassing me. This number calls me often and I received a call today mid day on Saturday.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX mismanaged my short sale 3 times over a 2 year period ( XXXX ) & the day my condo in XXXX Idaho set to sell at the price they set, ( {$79000.00} XXXX they canceled & foreclosed XX/XX/2019 on it the next day so they wouldn't have to pay agent fees & in the process ruined my credit after telling me to not make payments to be eligible. I would like this account removed from all 3 credit bureaus & an investigation into the fraudulent practices XXXX XXXX is performing
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (OR)

Experience refuses to stop sending me emails I have unsubscribed 6 times they refuse saying This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian CreditWorks Basic, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book. 
This is a violation of my civil rights. I want these emails stopped and experience be fined for refusing to do so.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2022-06-28
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. (GA)

I wanted to try to get a personal loan and these inquiries were on my reports and it will affect my outcome of getting the loan. the inquiries are ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-04-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (AZ)

I have two collections on my credit report from CMRE for XXXX XXXX XXXX XXXX. I have attempted to contact this company three times to dispute these two accounts. First of all, they are duplicates. I reached out to the company to make them known of this error and to please delete one of the accounts as they were the same. They refused. I provided them with proof and they still denied that it was a duplicate. After the third attempt to have the account removed, I decided to try this route with the CFPB. XXXX XXXX XXXX had a total of two accounts that were outstanding and I thought they both had been paid with my HSA from my previous employer.
Consumer complaint received 2020-04-16
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. (MA)

XXXX  removed 3 accounts from my credit report, I would also like for transunion to do the same since the accounts were proven not to be mine. XXXX  did an investigation and the result came back with a removal of the accounts.

The three accounts are : XXXX/XXXX  INCLUDED IN CHAPTER XXXX BANKRUPTCY. 

XXXX XXXX XXXX INCLUDED IN CHAPTER XXXX BANKRUPTCY XXXX/XXXX  INCLUDED IN CHAPTER XXXX BANKRUPTCY All three of these accounts were removed by XXXX  from my credit report. Please investigate and remove the accounts.
Consumer complaint received 2021-07-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

XX/XX/XXXX - I received a delinquent letter in regards to XXXX CITY TAXES ; AMERIHOME MORTGAGE COMPANY was contacted to check on the status ; AMERIHOME MORTGAGE COMPANY notified me the taxes were paid in XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX - I was in contact multiple times with both AMERIHOME MORTGAGE COMPANY and the XXXX CITY TAXES ; they played " he said, she said '' ; the AMERIHOME MORTGAGE COMPANY said it was paid ; the XXXX CITY TAX DEPARTMENT said they didn't receive it ; AMERIHOME MORTGAGE sent me a receipt showing when it was paid ; XXXX CITY TAXES said that the receipt would not suffice because it did not show that it was paid by the clearing house and therefore was void XX/XX/XXXX - I emailed AMERIHOME MORTGAGE COMPANY with the delinquent tax notice saying it was still not paid ; they claimed they had resolved the issue XXXX XXXX I received a new tax bill for XXXX ; this still showed that the XXXX CITY TAXES had not been paid ; I called the XXXX CITY TAX OFFICE to confirm ; they said they still haven't received the payment ; I called AMERIHOME MORTGAGE this morning ; none of the representatives would let me speak with a supervisor ; one AMERIHOME MORTGAGE representative told me that there are three open " tickets '' or " work orders '' in regard to this ; she said I could call back tomorrow and speak to a supervisor when all the " work orders would be closed '' I am scared that my house will go into foreclosure because of unpaid taxes. I owe 82 % pf the remaining balance to AMERIHOME MORTHAGE COMPANY ; I have asked multiple times to speak with someone to get the escrow removed from my account and to pay the taxes myself to ensure payment on time ; AMERIHOME MORTAGEG will not let me speak to someone to do this So - my XXXX XXXX CITY TAXES are still delinquent ; I can't talk to anyone in charge at the mortgage company to resolve this ; I have somehow been paying these taxes in escrow yet the money is unaccountable.
Consumer complaint received 2020-04-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AFNI INC. (FL)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-04-16
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)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX  XXXX {$7600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX   XXXX {$300.00}
Consumer complaint received 2022-06-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMW Financial Services NA, LLC (MT)

I leased a new BMW from BMW of XXXX. My lease was assigned to BMW Financial Services. My lease allows me to pay off my car early. I exercised this right. BMW Financial Services is now refusing the payoff of my lease because it has placed a litigation hold on my account. This violates the terms of my lease. I attempted to contact BMW Financial Services to discuss this problem. They would not speak to me and referred me to BMW of XXXX XXXX. I filed a previous complaint about this issue. BMW Financial Services responded to that complaint by saying they could not talk to me about the car. I have never contacted BMW Financial Services about my car or its mechanics or warranty. I had attempted to contact BMW Financial Services about the payoff on my lease, to which BMW of XXXX XXXX is not a party. So, maybe, instead of BMW Financial Services lying and misrepresenting this problem to cover up the unlawful violation of my rights under my lease, they could FIX this problem and let me pay of the lease. Then I will go away. 

Until then, I will file this complaint every single day until they fix it or the government takes some action. Thanks
Consumer complaint received 2022-07-28
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. (GA)

With the consumer laws 15 USC 1666B states that a creditor may not treat a payment on mortgage loan account under an open end consumer credit plan as late for any purpose. 

Account # XXXX
Consumer complaint received 2020-04-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Myself and several other Bank of America customers that bank with a XXXX XXXX XXXX XXXX in XXXX XXXX are having a very difficult time transferring funds between Bank of America and XXXX XXXX  ( XXXX # XXXX ). Anytime we try and put in the routing number of XXXX XXXX  we get the message that it is " not in our directory ''. XXXX XXXX  is an FDIC regulated, American financial institution and has been in business since XX/XX/2019. We have been trying since XXXX to get Bank of America to update their ABA directory to include the newest ABA numbers issued. Because they feel the need to not update this database, several mutual customers are inconvenienced and unable to transfer funds between the two banks.

All I want is someone from the correct department to handle this request and get the ABA added to their directory so mutual customers are able to transfer funds between banks.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian, XXXX, and XXXX  is publishing incorrect and inaccurate information on a closed account on my consumer report the account name is XXXX  XXXX  and or XXXX XXXX XXXX it has inaccurate and incorrect information according to the balance, credit limit, payment history, older derogatory events, closed date, last activity, terms, scheduled payment, company name and according to the FCRA they are violating the FCRA 15 usc 1681
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-20
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. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX , GA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX for 8 years and I have never lived in these addresses reported on my FICO report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( 8 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 641.1 Duties of users of consumer reports regarding address discrepancies. The following addresses listed below : XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Ga XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2023-11-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (AL)

I asked specifically that I hear the calls that were supposed to be recorded when I was trying to get a modification on my mortgage. This was during the time that the government was bailing out the banks. They said that they would take care of that themselves. If any incriminating information was on the recordings, I often thought, why would the company tell on themselves? Furthermore, when I first sent in the complaint, one vice president sent me a letter and said that Wells Fargo " are unable to complete your request to share the recorded phone calls as it has been more than seven years since the last account activity. Documentation is retained for seven years ... ..such information could not be remitted to you without a subpoena from the courts. '' Then afterwards when I talked to another vice-president, she said she would hear them. She then gave me a summation of what the calls were for about two months. So I got two different responses talking to two different people. I would like a third party to be involved when listening to the tapes. I would also like to know if any of the recordings have been erased. I would have requested this long ago when I had an attorney, but I was unaware of the regulations and responsibilities that an organization like the CFPB could provide. Wells Fargo has shown a CONSISTENT PATTERN OF FRAUD, FINANCIAL ABUSE, AND EGREGIOUS CORPORATE BUSINESS DECISIONS TO TAKE ADVANTAGE OF WHOMEVER THEY COULD TO REAP PROFITS. I have been trying to get this matter handled since XXXX. When I filed complaint last year, I did not know about the lawsuit from the CFPB, I was told that something was going to be done on my behalf and nothing was! Even the CEO of Wells Fargo said after the fine was done that more money may be given for the mortgages. They do not want to pay me for the harm they have allowed me to suffer these past 13 years.