davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This debt was incurred by XXXX  XXXX one the year XXXX  and it has then been more than 9 years since the debt was owed. USD ( {$400.00} ) XXXX XXXX is no longer expecting their money back because last time I spoke with their entitys representatives they told me that they had written it off. This this third party company is calling my number and has disclosed to me that they have systems in their power of utility to look up my personal familys phone number and call me no matter where Im after I have changed my phone number on more than five occasions. Every time I apply for a new XXXX on my credit they have found my dial on their directory and are contacting me with out any legal representation nor with out any consent of my own prerogative. According to the fourth of amendment of the the U.S. Constitution we as a people have the right to be protected in our persons assets and effects. My call dial number is my effects. ( IV ) They have call me on several occasions answer and I have asked them to take me social security number out of their DOS system and all they do is hang-up on me. They say I have to write a letter to them to disclose to them my current address. I have not and will not do that. They do NOT have my permission to utilize ( use ) my SSN #! They in fact, as far as Im concerned, stole my number from the SSA.
Consumer complaint received 2019-06-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

This complaint involves the collector, GRANT & WEBER and their ACCOUNTS, XXXX, AND XXXX appearing on both XXXX and XXXX  credit files of mine, POST-DISPUTE. 
The original creditors that sold these debts to GRANT & WEBER were medical service providers that treated me often under emergency conditions.Because at various points I became XXXX and XXXX XXXX, the providers had a duty to do their required part of EMERGENCY MEDI-CAL so that after sufficient recovery I would be able to meet the XXXX requirements of coverage by completing my part.This was not done by the care providing party whether we were in a hospital environment that had a staff social workers or in a clinic where staff that handle insurance could have made themselves available to handle this paperwork.This provider documentation is an everyday business problem of the original creditors ... .Instead the service provider ( s ) billed me personally without regard for my medical condition and even the ability to care for myself.The characters, Grant & Weber habitually verify or " certify '' in @ 24 hours have no regard for me or this system of complaint.ALL GRANT AND WEBER ACCOUNTS SHOULD BE DELETED IMMEDIATELY FROM MY CREDIT FILES.
Consumer complaint received 2019-06-22
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. (MS)

The following accounts ARE NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.XXXX XXXX   XXXX ( ORIG CREDITOR : 06 XXXX ), XXXXS ( ORIG CREDITOR : 11 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : 11 XXXX  ), XXXX XXXX XXXX ( ORIG CREDITOR : 07 XXXX XXXX ),
Consumer complaint received 2019-06-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have never been late on this account. I never made a late payment to this company ever please change this, i have a good relationship with this company Delete the late payments on XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-11-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Recovery Systems (CA)

To whom this may concern. I have been filtering calls from Midwest recovery systems. The call 's or from an automated system and the messages that there are leaving are trying to contact the individual add this number in relations to a debt. The problem I am having with these calls is that they're not asking for the person who incurred the debt. The other problem is they are not willing to tell me the original creditor in which the dep had occurred. The 3rd and most important problem with Midwest recovery systems is that they have been Reporting negatively on my credit report for no apparent reason. I understand that there are collection agency but they don't have their original creditor and I am not going to pay the same bill twice.
Consumer complaint received 2023-11-07
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. (LA)

XXXX XXXX XXXX Experian 15 U.S. Code 6803 states, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

And I was not provided a clear and conspicuous disclosure in no form under regulations prescribed under section 6804 of this title financial institutions, policies, and practices with respect to the consumer
Consumer complaint received 2023-11-07
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. (CA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-07
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. (CA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-07
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and included it again. Kindly correct the following items : 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 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
Consumer complaint received 2023-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2021-11-25
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 sent you a debt validation letter XXXX days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital Ones partnership with Walmart for their credit card is a disaster. I applied on XX/XX/19. It said it needed more information to complete my application. Ive called repeatedly and nobody knows what that information is. I was told Id receive a letter 7-10 days after I applied but today the representative told me a letter was never sent and could not give me any timeframe for review, only saying it is processing. This is unacceptable to just string customers along like this. Ive offered pay stubs, utilities bill, my drivers license. They tell me they dont know that they need yet. Capital One/Walmart need to process applications in a timely manner.
Consumer complaint received 2023-11-07
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-07
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. (OH)

Someone tried to open a credit card account in my name through XXXX XXXX on XX/XX/. I found this in my Identity Alert /Experian. I called XXXX in XXXX to inform them of this issue.
Consumer complaint received 2023-11-07
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

On XX/XX/XXXX USAA entered into an agreement to pay affected customers a restitution of {$180.00}. We are now 6 weeks past this initial notification date and no attempt to render payment has been made. This is continued abuse by USAA and I believe renders them non-compliant in their agreement. I am asking CFPB to issue additional relief and advocate on my behalf to enforce the settlement in a far more reasonable and timely manner.
Consumer complaint received 2021-07-20
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft 01 CAPITAL ONE N A Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Statebridge Company (AZ)

I have made every effort to contact and work with Statebridge Company , LLC to no avail. I fully complied with their demands to reinstate my loan, loan no. XXXX, by sending certified funds for the full amount due, {$6100.00}, in the form of a Cashier 's check. 
Unfortunately, Statebridge is non-responsive ; please refer to uploaded documents.
Consumer complaint received 2021-07-20
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: Santander Consumer USA Holdings Inc. (NY)

After multiple of disputes no information provided by the company ( Santander Bank ) is matching any of 3 Credit Bureaus .Enclosed is a reply from Santander . 
Date account opened : Santander XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XX/XX/XXXX1 XXXX XXXXXX/XX/XXXX # of Month of terms : Santander XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Balance : Santander {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
Santander XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
Santander XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX It means Santander have never conducted investigation and have never responded to XXXX and XXXX. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that Santander Bank refers to!!!!! How do I even know who this account number belongs to??????? 
Immediately delete this account from my credit report according to
Consumer complaint received 2021-07-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have two homes being serviced by SP Servicing for receiving my monthly payments. 

SP Servicing took over my file in XXXX and I have never missed a payment, however, this company insist that I've been behind, when they sent a statement to me showing that they misapplied the monthly payment for XXXX to my principle instead of applying the payment for the month of XXXX, 2021. 

There is a prepayment penalty on my mortgage with the original lender XXXX XXXX, restricting me from making principle payment additional to my monthly payments. 
I bought the property the end of XX/XX/2021, so I'm aware that early payments have to be approved to be accepted. 
The month of XXXX would be an acceptable time to make additional payments and over the 6 months restricted timeframe. 

I uploaded an SP Servicing statement showing the Unapplied Payment and states that I owed the balance of over {$1100.00} dollars. 
I paid the entire payment of {$850.00} again this month by calling SP Servicing and they withdrew the funds from my checking account early XXXX this month and applied it to the XXXX payment they refuse to give credit for already being paid. I need to know what is going to happen to my remaining payment of over {$1100.00} that the statement shows, as Unapplied Payments? 

SP Servicing has not given me credit for the double payment for the month they applied the 2nd payment. 
Since this has been paid twice this month of XXXX, I continue to receive harrassing letters of collection, home retention and foreclosure prevention threats. 
I have received 5 letters in one day several days and over 40 letters since the month of XX/XX/2021. 

When I go online to confirm credit for the payments being made and acknowledged, the SP Servicing website shows that all payments are paid and I owe for the upcoming month of XXXX, but still receiving harrassing and multiple threatening letters, regardless of a perfect payment history. 

Today, I received 6 letters from SP Servicing 's Collection Department and after requesting a Cease And Desist action from receiving inappropriate and forceful letters two weeks ago and still receiving inappropriate and threatening letters.

I'm trying to sell this property that has the most equity and very concerned that there could be a holdup and monies added to my balance, instead of applying it for my monthly payment for another month.

please intervene and restrict SP Servicing from harrassing me. 

It has been very stressful, especially since I had XXXX on Monday the XXXX and really need to rest up for getting moved out of this property this month! 
No matter what the communication between SP Servicing, the harrassing and freighten letters continue to multiple like clockwork, as thought I'm a criminal, regardless of having had over XXXX credit scores up to this last month in XXXX and XXXX with SP Servicing, Inc.. 

Please stop this preditory lender from trying to take both of my properties!
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (NJ)

Loancare put us in a forbearance and promised us we would be able to do a modification when the period ended but know the story has changed and whats a full payment.. they are saying no to a modification while for months promised we could????? Please Help this company is very bad Im sure Im not the only one if you can do anything my family and I would be greatly appreciate.. we are all ready to resume payments we are both back to work now that virus is better now.. this is not what we were told all along.. its a shame
Consumer complaint received 2021-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

ACCOUNT REPORTING TO MY CREDIT REPORT DOESNT BELONG TO ME FOR VERY LOANG TIME I WAS GETTING DENIED FOR CREDIT WAS NOT SURE WHAT WAS GOING ON UNTIL RECENTLY I REVIEW MY REPORT TO FIND NUMBERS OF UNKNOWN DEBT I HAD NO KNOWLEDGE OF AND I AM WORKING TO FIX IT ALL