davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX, account number XXXX ; 3. ) XXXX, account number XXXX 4. ) XXXX, account number XXXX 5. ) XXXX XXXX, account number XXXX 6. ) XXXX XXXX XXXX XXXX XXXX, account number XXXX ; 7. ) XXXX   XXXX, account number XXXX ; 8. )  XXXX XXXX XXXX, account number XXXX ; 9. ) XXXX, account number XXXX ; 10. ) Bankruptcy, case number XXXX ; 11. ) Bankruptcy, case number XXXX ; 12. ) Bankruptcy, case number XXXX ; 13. ) Bankruptcy, case number XXXX 14. ) Federal Tax Lien, {$170000.00} Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2017-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX   and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX, account number XXXX ; 3. ) XXXX, account number XXXX 4. ) CMRE, account number XXXX 5. ) XXXX XXXX, account number XXXX 6. ) XXXX XXXX XXXX XXXX XXXX, account number XXXX ; 7. ) XXXX   XXXX, account number XXXX ; 8. ) XXXX XXXX XXXX, account number XXXX ; 9. ) XXXX, account number XXXX ; 10. ) Bankruptcy, case number XXXX ; 11. ) Bankruptcy, case number XXXX ; 12. ) Bankruptcy, case number XXXX ; 13. ) Bankruptcy, case number XXXX 14. ) Federal Tax Lien, {$170000.00} Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2017-09-26
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Grant & Weber (CA)

I noticed XXXX XXXX on my credit report for medical bill that was paid by XXXX XXXX XXXX XXXX when I called they said I had two options pay or will go to credit report.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX  XXXX, account number XXXX ; 2. ) XXXX  XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Chase/XXXX XXXX, account number XXXX ; 2. ) Chase/XXXX  XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2017-09-26
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Directors Financial Group (CA)

OnXX/XX/XXXX we started process of a reverse mortgage. This was to be a ZERO ... .NO COST LOAN. NO PMI, NO APPRISAL, NOTHING. Only amt. borrowed. {$270000.00} We were XXXX around, apprisal was ordered on XX/XX/XXXX. On XX/XX/XXXX appraisal was done. Apprisal was completed & signed off on XX/XX/XXXX.  Loan approval XX/XX/XXXX. We signed loan docs on XX/XX/XXXX. With disbursement of our closing, settlement payment on XX/XX/XXXX. Today is 3 months, 1 week later. We have benn fighting to get our money back. The loan officer says the owner would call us, claiming HUD was double payed the PMI. We had to be patient, I kept calling, kept emailing, same old story. Mortgage co.ower never called until XX/XX/XXXX. 2 months after our settlement date payment passed. He actedXXXX, like he had no clue what was going on. Like I was XXXX, or lying, or or loan office was XXXX, lying or did something wrong. Promiseing to email me all his info for our attorey as call ended. NEVER HAPPENED. Had to again dog our loan officer. The owner calls, lies says he called, emailed me. That he was now not sure if there was a legal way to do this. He now needed my attorneyes number. I said I want my money, only want my money, no more lies, no more XXXX. I DO NOT TRUST YOU, YOU ARE A LIAR. DO NOT CALL ME AGAIN. ONLY CORRESPONDENCE BY EMAIL. Everything in we ] riting only. I filed a complaint with Calif. Business Office. I still keep hearing I need time. Then the loan officer said the owner wants you to sign a letter of finincal hardship to get our refund, the he wrote up. And we will sign a release on my state complaint. I said we wanted any additional costs, intrest on our money todate of payment. Total on XX/XX/XXXX. For a refund to us of {$15000.00} YUP .... WELL NOTHING SINCE. I TOLD them today this was FRAUD. I had signed contracts. I have multiple emails. The loan officer spoke to my finincal planner who thought were were mistaken. I gave them until XX/XX/XXXX by XXXX. Them I was hiring an attorney and they would have those bills too. I am a XXXX Sr. Citizen. My husband was laid off last winter. Which is why we did this Reverse Mortgage to BE ABLE TO HAVE NO PAYYMENT. MONEY TO LIVE ON. I suffer from XXXX XXXX XXXX XXXX. The XXXX of this is causing a huge amount of XXXX on me, my husband & my marrige right now. My husband did NOT WANT TO DO THIS BUT WAS GUARANTEED WE WOULD HAVE NO COSTS. He is on me daily. I am at my witts end. Please can you help us get our Settlement costs refund?
Consumer complaint received 2017-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

It seems that Portfolio recovery refuses to send me proper documentation of my alleged debts even though I have disputed with them multiple times over the past XXXX years over these accounts and they continue to report these accounts inaccurately on my credit report. This has caused me multitude of grief from denied jobs, applications, high interest rates, the list goes on how this has personally affected me. 


I have disputed the account ( portfolio recovery ) multiple times with XXXX, XXXX, and XXXX multiple times. I have also disputed directly with the creditor asking for XXXX of the right for portfolio recovery to collect this debt and proof that the debt even belongs to me and portfolio continue to ignore my requests. 

I requested documentation from their files used to verify these accounts. Under the XXXX XXXX XXXX XXXX, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of request concerning the account reported on my credit report. Simply sending back a letter saying verified does not fulfill that obligation. 

Who verified these accounts? How did they verify them and with what documentation? Were any of these documents signed? Where did these agreements come from? 

They absolutely refuse to answer any of those questions and therefore should remove this account from my report immediately. 

The only documentation I received was a {$0.00} balance letter and notification that the account was updated, verified, or that there was new information. A balance letter or statement does not qualify as verification per XXXX. This company is in violation for continuing to verify accounts without providing proper evidence and documentation as requested. It is my contention that Portfolio recovery can not properly tie me to these alleged accounts otherwise they would have done so when I made the initial request. XXXX is blatantly disregarding the law and with everything going on with these breaches I dont trust anything from them. Please delete this from my report.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; XXXX. ) XXXX XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX, account number XXXX ; 6. ) XXXX, consumer number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Consumer complaint received 2017-09-26
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. (TX)

I filed an Identity theft report with the FTC after I discovered a couple of accounts, an addrersse and several inqueries on my report due to fraud. I have alerted the credit bureau however they did not investigate or remove all of the fraudulent inqueries.
Consumer complaint received 2017-09-26
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: EQUIFAX, INC. (TX)

I filed an Identity theft report with the FTC after I discovered a couple of accounts, an addrersse and several inqueries on my report due to fraud. I have alerted the credit bureau however they did not investigate or remove all of the fraudulent inqueries.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have an additional account listed on my credit report that causes me concern. I would like the below accounts reinvestigated and removed for inaccuracies. These accounts continue to severely affect my credit rating ( XXXX XXXX XXXX XXXX ) Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Please see referenced accounts below : XXXX. XXXX XXXX XXXX XXXX Account reporting inaccurately Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report
Consumer complaint received 2017-09-26
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: EQUIFAX, INC. (KY)

Equifax has posted several credit inquiries under my credit report that I do not recognize. 
- XXXX -XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I am filing this complaint because all of these have negatively impacted my score.
Consumer complaint received 2024-08-28
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. (MD)

I have never validated or correctly reported my credit history or the following information. Therefore, I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be permanently rectified immediately. I also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 

Your agency is in violation! 
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 2017-09-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Trust Management LLC (CA)

To whom it may concern this is a ongoing problem with the practice of this business after I was being told there be no more further collection and their statement was forwarded to Department of Business Oversight of California I still continue to receive different types of collection agency attached is the documents trying to have a mutual agreement they had ( 4 ) different licenses and ( 2 ) different addresses neither from California also 4 enforcement actions. I was unaware of their practice.
Consumer complaint received 2017-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hello, I Received one letter from XXXX XXXX XXXX at the end of XX/XX/XXXX states the Mortgage is transferred a month ago, to XXXX XXXX XXXX from previous lenders : XXXX XXXX XXXX In the letter sent by XXXX XXXX XXXX the principal Balance of the loan is : {$340.00} of which is not matched. On XX/XX/XXXX, my principal home loan was XXXX as recorded by XXXX XXXX XXXX lenders. 
Also, one payment dated XX/XX/XXXX for XXXX is posted for a loan payment, Since XXXX XXXX XXXX [ ownership ] assign to XXXX XXXX XXXX as a new servicer supposedly is posted in their account number : XXXX. 
In advance I am attaching a document from my exiting modification on XX/XX/XXXX from XXXX XXXX XXXX Also, a history of the recently Payment made to the previous servicers including statements from them [ XXXX XXXX XXXX and XXXX XXXX XXXX