davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
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: ProCollect, Inc. (TX)

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by Credit Grantor and a 1099-C form should have been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
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: Credit Corp Solutions Inc. (TX)

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been reported as a Loss by Credit Grantor and a 1099-C form should have been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be legally verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to legally verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (AZ)

frequent harassing phone calls at all times with unknown number at inconvenient times and days. 

I have sent them a letter to cease and desist all communication to me and to any 3rd parties agencies not authorized by me in writing pursuant to FDCPA 15 U.S.C 1692c ( b ) ( c ).
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have never applied for credit with this company for anything, they some how got a hold of my information, took information from my credit personal credit file, and lied to get this information, i have no idea who they are. They keep harassing me by phone, i want them locked out of my personal information. They are fraudlant and crooks. I never even heard of this company, i am very angry about this company, what gives them the right to authorize a person personal file, and place it on a credit report, like they were a creditor, they are ditry, and i want them locked out of this file. 

thereis another company XXXX XXXX same situtation with them, I've never applied for credit or heard of them either.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have an account opened on my credit report that does not belong to me and is being reported as negative on XXXX, XXXX and Experian. 

The account is as follows : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX The account has been closed as of now, but it was never opened by me. 

I have tried to ask XXXX, XXXX and Experian to remove it from my Credit Report as it's affecting my credit history negatively. I have sent them XXXX letters asking them to remove the negative information from my Credit Reports. There is a completely illegitimate address also associated with that account, which furthermore shows I have not opened this account and the XXXX has not provided any proof of the card application or anything with my signature.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA (TX)

Dear CFPB, I am writing to file a formal complaint against Apple Card/ GS Bank Card USA for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809, which pertains to the validation of debts.

Details of the Complaint Debt Collector Information : Name of Debt Collector : APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account Information : XXXX Date of Initial Contact : XX/XX/year> Violation of FDCPA : On XX/XX/year>, I sent a written request to Apple Card/ GS Bank Card USA asking for validation of the debt, as permitted under Section 809 ( b ) of the FDCPA. I requested that they provide proof of the debt and cease all collection activities until verification was provided.

Despite my request, Apple Card/ GS Bank Card USA did not provide the requested validation of the debt. They continued their collection efforts without furnishing any evidence proving that I owe the debt or that they have the right to collect it. 
Supporting Documentation : Credit report remarks on account : Previously In Dispute - Now Resolved - Reported By Subscriber Requested Action I respectfully request that you investigate this matter and take appropriate action against Apple Card/ GS Bank Card USA for their failure to comply with the FDCPA. Additionally, I would appreciate assistance in ensuring that this illegal account is deleted from my credit report to prevent any additional catastrophic damages to my credit report.

Thank you for your prompt attention to this matter. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (NY)

This company is reporting an inaccurate date of first delinquency on a XXXX XXXX XXXX account and has falsely verified the inaccurate date after I disputed it with the CRAs. This is an attempt to re-age a debt and prolong the reporting period, which is a violation of my consumer rights under the FCRA. This inaccurate reporting negatively impacts my credit for XXXX years longer than necessary, prevents me from obtaining further credit, causes me to pay higher interest rates than necessary, etc. I have bills showing my last payment date to XXXX XXXX was in XXXX of XXXX. I have bills from XXXX XXXX after XXXX of XXXX showing that my first due date that I missed was XX/XX/XXXX. My final bill from XXXX XXXX was issued in XXXX of XXXX, which would be the chargeoff date. This company seems to think that it's ok to report the chargeoff date as the DOFD, rather than the correct date specified under FCRA reporting guidelines, which is the **first missed payment that led up to the eventual chargeoff of the account** ( XX/XX/XXXX ). Up until last month when I paid off this collection, Transworld Systems was reporting a " last payment date '' of XX/XX/XXXX - so even they admit that I hadn't made any payments on the account between XX/XX/XXXX, and the chargeoff date of XX/XX/XXXX. Yet somehow they continue to verify false information that contradicts their own reporting, by reporting XX/XX/XXXX as the date of first delinquency - rather than the true date of first delinquency, which is XX/XX/XXXX.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts 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/updated.

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.

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!
Consumer complaint received 2015-12-07
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: Ikon Financial Group, LLC (CA)

I refinanced my VA home loan with Ikon Financial ( new name - XXXX XXXX XXXX ) last XXXX and have been trying to get my escrow refund for the past year. I have spoken to the owner, XXXX XXXX, on numerous occasions in reference to the owed escrow refund and have been receiving nothing but excuses. I have email correspondence from XXXX XXXX acknowledging the accounting error and that I am owed the refund, but I have yet to receive it. I also submitted a XXXX Complaint in South Carolina, where Ikon Financial ( XXXX XXXX XXXX ) is located, and still no results. Even though this is a Brokerage company, the refund that was sent to them and was cashed by their accounting department, should have been refunded to me, per XXXX XXXX response on XXXX/XXXX/2015.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/year>, I mailed a formal dispute letter to Experian via USPS certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to USPS tracking information, the letter was delivered and received by Experian on XX/XX/year>. 
In this dispute letter, I requested an investigation into an inaccurately reported bankruptcy and incorrect personal information listed on my credit report. I ensured that all necessary documents to verify my identity were included : a copy of my government-issued ID, my Social Security card , and proof of my current address. Despite complying with these legal requirements, I have yet to receive any response from Experian, and the 30-day timeframe mandated by the Fair Credit Reporting Act ( FCRA ) has long passed.

In particular, I pointed out that the bankruptcy reporting on my credit report is both inaccurate and incomplete. Key details, such as the correct court name and other vital information, are missing. The report only includes the filing date and a reference number, which is insufficient and misleading. Additionally, I disputed incorrect personal information entries that remain unaddressed by Experian.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (PA)

My personal information, such as my I.D, my debit card numbers, social security card and birth certificate, has been stolen and comprised. I reordered my debit card, social security card and I.D . I also went to the police and made a report. I did not authorize or sign for this loan.
Consumer complaint received 2024-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

In XXXX of XXXX, I requested XXXX  of {$68.00} to be removed on our conventional loan, from our servicer Lakeview Loan Servicing. 
The valuation of our home as part of our refinance was $ XXXX, and our principal balance had been reduced to under $ XXXX, which means we were eligible for removal of PMI. I put in the request, and received confirmation that it was removed and would be reflected on our billing in the next month. 

It has since stated that " Private mortgage insurance is not available on this loan '' in their online portal, when selecting the mortgage insurance tab, leading me to believe that it has been removed since i requested it and it was approved. 

Flash forward to today, XX/XX/XXXX, and we are still paying MI monthly, without an option to petition for its removal on the portal. 

We have since paid our loan balance down to $ XXXX, which is past the 78 % XXXX XXXXXXXX that would automatically remove MI, and the MI has still been in place and not removed. 

I spoke with a rep on the phone today, and they said they had no record of a request, and that would no put one in. No rectifying the old request, or the payments that have been made for the past year, that should have been removed or refunded.
Consumer complaint received 2024-08-08
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. (VA)

Upon checking my credit score I saw that I have been placed in collections for an account I have never had a contract with. A company called XXXX XXXX XXXX XXXX has illegally obtained my information and SSN and attached fee to my credit report. I do not have a debt with any company called XXXX XXXX XXXX and therefore have no signed legal contract whatsoever taking ownership of said account.
Consumer complaint received 2024-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TN)

XXXX XXXX XXXX XXXX XXXXXXXX Which is the number for comenity bank, if you have missed a payment, they will call four times a day every single day which exceeds the 7 times in 7 day limit.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

Wrong social security number, names, phones number. 

I disputed the account and per report number that was verified on XX/XX/XXXX, and XXXX XXXX Experian : Names are XXXX XXXX aslo known as XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

I recently attempted to pull money from my Truist personal checking account to an external ( other bank ) checking account. After 5 days I was notified by the external account that Truist informed them that the account was closed ( screenshot attached ). I called the Truist line and a customer service rep ( XXXX XXXX XXXX thoroughly investigated my account to mention that it was frozen and could only be reactivated by other pushing money into the account or through physically going to a Truist branch ( limited in number ). 

I confirmed with the CS XXXX  that Truist made no effort to notify me of said account inactivity or provide me a chance to prevent the account from being frozen. All other banking instutions that I've worked with have provided a heads up on dormancy and it's deceptive that Truist can choose when to declare an account dormant without providing any information to the customer. For the record, the last transaction with the account was dated XXXX months prior.
Consumer complaint received 2016-02-24
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: D2 Management LLC (AZ)

I 'm receiving calls from D2 management at XXXX out of South Carolina. I have asked for them to send a verification of debt and they refuse. They have threatened to sue me and they wont stop calling me after I gave them a verbal cease and deist. They also hang up on me immediately after my request.
Consumer complaint received 2015-12-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I receive multiple daily phone calls, which either hang up or do not leave a message. I have no idea what this would be about, as to my knowledge I have no outstanding debt, with no problems listed on my credit report.
Consumer complaint received 2024-09-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (NJ)

XX/XX/year> PHH mortgage company denied me for a loan modification and are demanding {$19000.00} Cash to reinstate my mortgage and I do not have {$19000.00} cash I offered to give them three month payments. They told me no they need to fall XXXX cash. 

I dont have that kind of money. I dont know what Im doing because I cant lose my home. My husband is totally XXXX and the only XXXX working. We have enough money to pay mortgage we XXXX mortgage company and take the XXXX and put it on the end of the loan because we do have equity at our home and they said no, so we can keep her home. 

I sent them copies that I can afford my monthly mortgage payments and they denied me for a loan modification. 

I am not having financial difficulty and I/we can pay our mortgage. 

The State of XXXX XXXX denied my mortgage assistance help and I immediately informed PHH mortgage of this and on XX/XX/year>, we received a letter from PHH mortgage stating that they can not offer us a modification. 

I have been trying to work with PHH mortgage company and I provided PHH Mortgage Company with information from the State of XXXX XXXX  homeowners assistance programs, that consisted of my husband being affected by XXXX. They would pay the rears of our mortgage payment up to {$75000.00}. 

However, my husband had prior XXXX  issues of XXXX XXXX XXXX XXXX XXXX XXXX XXXX compromise his my husband XXXX  XXXX XXXX that caused him to have to forfeit his job of the State of XXXX XXXX  as a XXXX XXXX for XXXX  years because he could no longer XXXX XXXX  anymore because of his, XXXX  issues and his XXXX  issues that stand from XXXX. 

The State of XXXX XXXX homeowners assistance program stated that my husband medical issues were XXXX  related but because he had prior medical issues thats wasnt caused by XXXX XXXX, that they would not be able to assist us with paying the {$19000.00} arrears of mortgage and it took them a entire year to tell us this and we have been working with them and we got the denial letter from the State of XXXX XXXX homeowners assistance program on XX/XX/year> and we were immediately forward this information to PHH mortgage company.e My husband forfeited his job of XXXX  years as a XXXX XXXX for the state in XXXX XXXX because he is diagnosed with XXXX  XXXX XXXX and mortgage company doesnt care and wont help us and we got a letter stating that the home is in pre-foreclosure. 

Please assist us as we have nowhere to go. We can not be homeless. We have a granddaughter. My husband has XXXX XXXX. I have medical issues but I continue to fight them every day and work and we can pay our mortgage. Thank you phone number is XXXX. Have a good day.
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rochester Home Equity, Inc (NY)

We contacted Rochester Home Mortgage regarding a refinance after viewing an advertisement they placed. It turns out that the company purely induces people to submit documents and charges a " nonrefundable '' charge. There is no one at the company, they all " disappear '' when trying to further the process. They scam people buy charging the credit cards without intention of doing anything further with an application. They lie repeatedly and there is no actual business conducted.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 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 XXXX XXXX