davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Multiple requests have been sent to this company as well as Identity Theft Report What I requested again and did NOT receive : Please send me copies of the documents that you have in your files as of date that 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 accounts have been verified. Send me copies of the documents that you have in your files that you used to verify them. 

In accordance with section 609 ( e ) of the Fair Credit Reporting Act, please send me copies of business records relating to the the above referenced account number. The law directs you provide me with these documents for free and without requiring a subpoena within 30 days of getting my request. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that 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 that your office provide me with competent evidence that I have a legal obligation to pay you 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 verifiable proof within 30 days of receipt of this letter, you must remove these accounts from my credit report. 



What I received : Statements mailed A default judgment The documents received from Portfolio Recovery for the account opened in my name included statements and a judgment rendered without my knowledge. The date of this court document is in XXXX of 2019. I did not live at the address on the statement during that time period. This case was opened without my knowledge and consent as well as the account. I take identity theft very seriously and ask that again after multiple requests the original contract be provided or delete from my credit immediately. 


Attached : What was sent to me by Portfolio Recovery What I sent to XXXX Bank
Consumer complaint received 2023-08-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-29
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. (AL)

My credit report was improperly targeted due to government corruption.They had a deceased person that was married to another man on my report on person.This person stole my identity and was using it in another state Virginia.This person was affiliated with the Military also and was involved in criminal activity being arrested all over the state of Virginia.I want to know why was it on my Report.Secondly they had the State of Texas Child Support for years when a XXXX  crime was committed on a military base involving this alleged XXXX.I got all the proof that I was targeted to cover up a crime a civil claim will be coming forth .I dont agree with any adjustments that were supposedly made the damage has been done over several years.You sent XXXX XXXXy Sheriffs to my address to harass me because I know the truth.My score has not changed no way no how its still the same.I reject this wholeheartedly and legal action is going to be taken, my Life was ruined to hide. Criminal offense XXXX will be hearing about what happened to me.Im not satisfied and have suffered living in substandard housing due to lies .There was not correction to anything expect hiding this deceased person it was also hidden in my military record and this person was legally married to a man laying in bed with him.Dont send me anything else regarding credit I wont be participating in anything I will be suing everybody that has been identified. 
Sincerely Yours XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (DC)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2023-08-29
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2015-07-22
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CASHCALL, INC. (OK)

I get daily calls from a creditor, regardless of the fact I have told them that I have no money at this time, and when I 'm able to go back to work, I will pay the debt. The tell me the same things, and ask the same questions every time they call and say they are 'making a note of my circumstances ' to try and get the calls stopped. They are generally abrupt, and sometimes rude, and tell me they will keep calling every day until I make an arrangement.
Consumer complaint received 2016-03-23
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

Invested for retirement in a Wells Fargo time account CD XX/XX/2008. I have attached original documentation. Branch manager as well as corporate office have no information/record on this account or where money went. No details about this account other then rolled over XXXX/XXXX/2008. No other record of account.
Consumer complaint received 2016-03-21
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Gurstel Law Firm, P.C. (MN)

I have been divorced for over 15 years, and a judgement was obtained in my married name ( I changed my name to my maiden name when I divorced ) and communication was going to an address that I no longer lived at. Needless to say I did not contest the debt prior to the judgement due to not being aware. 
The debt was from prior to XXXX, and on XXXX/XXXX/XXXX a third party collection firm filed a judgement against me. They obtained an order to garnish in XXXX of XXXX. 
The garnishment over collected in the amount of XXXX, and I was issued a partial reimbursement in the amount of XXXX. The third party collector remitted the reimbursement to my former name, which I have not used in 15 years, and additionally I have not been issued a reimbursement for the remaining XXXX to date. Even depostiing the check will present as an issue as I do not have any accounts or ID in that past name. It was changed by court order, which I told the third party collection agency and law firm over and over. 
When I attempted to obtain a verification of debt, the only thing provided to me was the judgement, not anything from the original creditor. I attempted to confirm that this was in fact my debt, and all I ever received was a copy of the judgement.
Consumer complaint received 2023-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (OH)

Hello I wanted to report a federal violation regarding PHH Mortgage services /XXXX. PHH has stolen {$23000.00} from XXXX XXXX XXXX XXXX  claiming they never received it. They also incurred charges onto the account illegally after the homeowners passing, not knowing the son lived ( s ) in the home. In XX/XX/XXXX, XXXX illegally charged account # XXXX a {$10000.00} fee and numerous hefty charges every month thereafter. XX/XX/XXXX, XXXX started double billing the account, when learned of the sons deed of transfer on the house. The account was not even negative in XX/XX/XXXX, and they have illegally sent the account into foreclosure proceedings against numerous federal statutes and violations. 

Thank you.
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (CA)

I'm writing to impart my nervousness with respect to the challenged records on my credit report. On various events, I have raised the issue of missteps in these records, and have dependably referenced that they be completely investigated. Despite my undertakings, I by and by apparently can't get any objective or helpful action. These wrong records are genuinely hurting my credit archive and disturbing my ability to continue with a customary life. The unfriendly outcomes of these mix-ups have caused colossal troubles for me, and I'm left with no choice aside from to contend for your assistance with correcting what's going on rapidly. I kindly interest that you direct a thorough assessment concerning the noteworthy of all of these challenged records. It is fundamental that the fundamental advances are taken to revive and address my credit report right away. With your help, I want to restore the accuracy and uprightness of my credit record so I could recuperate control over my financial thriving. I really urge you to offer this matter your most outrageous thought and take a fast action. Your coordinated effort and moving in settling this issue expediently would be very significant. Thankful to you early on for your appreciation and help.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (NY)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Target Card Services, servicer to TD Bank USA, N.A. 
XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX My name is XXXX XXXX XXXX have a active investigation going on regarding an account that was opened while I was incarcerated in XXXX XXXX for XXXX XXXX I got a letter stating about you guys looked into the file about I requested late payments be removed, the card got sent to my address on file, I made payments & about something about my number, I literally wasnt on the streets at the time of this alleged account being opened Im getting frustrated at this point because I keep going back and forth with your establishment regarding this account I literally submitted every documentation verifying my side of the story and you guys basically keep telling me oh well you made this account its impossible for me to make this account while I was incarcerated in a state penitentiary jail. Im not sure if my family members made this account while I was incarceration because all my information was left back at home I had no control over that but this allege debt was not made by me. At this point Im just so fed up and so damaged by this allege theft that has taken on my behalf Im willing to pay the whole debt 100 % if you guys can just please remove this from my credit report I am urgently begging because this allege debt wasnt not made by me. Im tired of suffering do to this allege debt holding me back which was not made with my consent. Can you guy please give me a different option or another chance because Im really being held back In life because of this debt that was made without my consent. I get get no house nor apartment because of this tragic situation basically homeless I also sent a letter a couple days before this letter with my police report, I had contacted the deputy commissioner office for the proving fact that I was incarcerated & an identity theft report. I will also be attaching it with this letter also. 

Please contact me back ASAP my information will be below to identify me XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Email- XXXX XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 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.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

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 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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-08-29
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 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.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 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.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2023-08-29
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: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXXXXX 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