davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

im a XXXX yr old XXXX woman collecting an ssdi check of {$780.00} a month i have an equity loan w/ green tree morgaging company ive applied several times to get a loan modification to lower my inerest rate from 8.89 % with 5 % interest on my insurance my taxes includuded are costing {$490.00} a month i have a balance over {$21.00} i also have a first morgage from a private morgage costing {$170.00} a month totaling {$670.00} a month with a balance of {$16.00}. ive tried several times to get a loan modification from green tree w/ them telling me the paperworwork wasnt sent in in time and once i got that notice before i even got the application last time was last month and i just recieved a denial letter reason being i dont make enough money.my ex husband pays the rest of the household bills for me and his paychecks were submitted.i dont understand if i dont make enough money why wont they notify me they are owned by XXXX and XXXX gave me a lot of problems placing forced ins. on me when i was already paying my own ins i complained about this issue and they covered it up after ruining my credit making it impossible for me to get a refinance i have XXXX and XXXX issues and other bills and privatate matters i cant pay due to this rediculous amount of interest i had less than {$3.00} taken of my balance in 10 yrs.i cant afford this each month ive been borrowing money to pay this every month and the XXXX is becoming unbearable is thier anything i can do about this? i need over $ XXXXin home repairs due to falling during XXXX like burned countertop, cracked floortiles and other appliences glasstop stove crack and no working oven i had to have a XXXX and XXXX XXXX and need assisence geting in the shower because my tub is too high i cant even sell my house because it needs to be tented the eaves need to be pained and the outside needs to be painted and the screen room is all ripped, the toilet keeps overflowing and thered mildew in the kitchen sink and the bathtub.and i have to pay co-pays on all my medications.
Consumer complaint received 2023-08-06
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. (TX)

On XXXX!, XXXX I pulled I viewed my credit report and seen quite a bit of unauthorized inquires along with some accounts I was unaware of. I spoke to the fraud department to remove the accounts. I never gave any written consent for the following accounts and they were opened without my knowledge. The information listed is coming directly from the most recent copy of my credit report. 
XXXX XXXX XXXX - Closed account on my credit report account type- charge card balance {$55.00} date opened- XXXX  XXXX, XXXX XXXX XXXX Closed account account type- auto loan balance {$32000.00} date opened XXXX XXXX XXXX XXXX  open account account type- auto loan balance {$37000.00} date opened XXXXXXXX XXXX XXXX XXXX  closed account account type- unsecured balance {$0.00} date opened XXXX XXXX XXXX XXXX XXXX closed account account type- lease balance {$2400.00} date opened XXXX XXXX XXXX XXXX account type- collection balance- {$3300.00} Date opened XXXX The following inquiries are also listed on my credit report which I did not give my consent to : XXXX XXXX XXXX, 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  This violates my rights as stated in the consumer laws and I demand that all of these discrepancies be removed off of my credit immediately.
Consumer complaint received 2023-08-30
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)

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

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX XXXX XXXX XXXX  XXXX , FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-06
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: Experian Information Solutions Inc. (GA)

The attached account is being reported inaccurately and does not belong on my credit report under 15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( i ). The evidence is shown in the screenshot of my credit report, which shows that this account has been removed from my XXXX credit report.
Consumer complaint received 2023-08-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This complaint involves two separate accounts, both accounts were purchased By Portfolio Recovery Associates and both account 's share the same Original Creditor ( XXXX XXXX XXXX 

The account for the amount of XXXX doesn't match the account placed by the original creditor which States the amount is XXXX also The account placed by XXXX XXXX States the account was closed XX/XX/2018 and the date of the last payment reported by XXXX XXXX is XX/XX/2018. It also states that the account was closed by me. so they are claiming I made a payment 8 months after I closed the account. 

I did close that account, because it was a secured credit card backed with a XXXX deposit. other wise they would never have closed a " delinquent '' upon request. why XXXX XXXX sold this account to a collection agency and why the collection agency added all these extra fees is difficult to understand. 

The second account seems to have similar discrepancies. between the amount reported and the amount being collected by Portfolio Recovery services. though the difference is less then XXXX dollars, but they clearly state on their letter I uploaded that they did not add any additional charges. I also Believe, but am not definitively certain as the first account, that this was also a secured credit card as well.
Consumer complaint received 2024-10-30
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)

I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. Please see attachments for police report case number, ID for identification verification, and copy of credit card bank statement for additional identification verification. There is 2 ID Theft reports listed due to not having enough space.
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am rewriting to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account XXXX XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter. Attached here is the Identity Theft report filled.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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.

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 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 ( Original Creditor : XXXX XXXX  ) : # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights.

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 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.

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 informationisinaccurate.
Consumer complaint received 2023-07-19
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. (NV)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2016-09-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

For the past two years I have been requesting copies of the services that was rendered by their client. All I can get is a letter showing account numbers, balance due, name of creditor. Neither creditor or debt collector can show or give a statement of what services that was rendered. ARS keeps on tell me that I owe the so I have to pay it. Please see the attached copies. This information was reported to all three credit agencies.
Consumer complaint received 2023-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one is still committing scams against me, and is in effect intentionally ruining my credit score.

A few months ago, with zero warning, notice, zero phone calls, zero emails, zero communication, they cancelled all three of my credit cards with them which I had kept in good standing for years, and then claimed it was simply a business decision and nothing to do with my credit worthiness. 

Except they didnt close it to late fees and interest, theyve intentionally kept the cards ACTIVE on their end, just not usable on my end. Im still paying for these cards as though they are ACTIVE CARDS. Therefore, they report such things as over the credit limit knocking more points off my score- I HAVE NO CREDIT LIMIT. YOU TOOK IT AWAY. At this point It he abundantly clear you are just trying to get more and more money out of me someone who had been a good and loyal customer for YEARS, while destroying my credit- which was very very good until this happened! You are evil people and I am requesting you CLOSE MY CARDS AND STOP MAKING MY LIFE XXXX. I am also taking steps to move my checking account away from capital one and I will never ever do business with you awful people again. CLOSE THE ACCOUNTS.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AL)

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.

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 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Innovis (NY)

Today when I went to see a real state agency I found out that in my credit report is a credit card for {$6700.00} which belong to my ex-husband. When he was my husband we had a joined account, but I am not part of his account anymore. 
How can I get that matter to be corrected? 
I called his bank but unfortunately they say I must contact the credit bureau. 
Thanks for your help. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-11-01
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC (OH)

Arrange a XXXX part payment on the mortgage, An uncontrollable emergency expense came uo and I had to cancel the XXXX payment. Repeated told to pay this and to borrow it any way possible so the company could get it 's high mortgage payment. I told them I was modifying the mortgage and told okay but need to pay us now. Threats to do legal action continued daily.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BMO Bank, N.A. (WI)

I had a M and I credit card stolen XX/XX/2007. They are reporting inaccurate information to XXXX credit bureaus. XXXX and XXXX. I have made numerous attempts with both M & I which is now BMO and the credit bureaus. XXXX is the only one reporting accurate information. I have asked BMO to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I trust this letter finds you well. I am writing in continuation of our previous correspondence regarding my dispute of the collection account associated with the auto loan and account number XXXX, reported under the account name XXXX XXXX XXXX. 

I appreciate your prompt response and the efforts taken to verify the accuracy of the reported account on XX/XX/2023. However, I am still seeking clarity regarding the verification process undertaken, as well as the evidence that was used to confirm the accuracy of the information. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide me with a detailed explanation of the method used to verify the account 's accuracy. This explanation should include a step-by-step account of the verification process, highlighting any communications or actions taken with the creditor or data furnisher in question. 

Furthermore, I request that you include any supporting documentation that you received from the creditor during your investigation. This documentation would allow me to thoroughly review the proof provided and assess whether it aligns with my own records and understanding of the account 's history. 

As a consumer, I believe it is my right to fully comprehend the verification process and the evidence that supports the reported accuracy of the account. This information is crucial for me to make informed decisions about the resolution of this matter. 

I kindly request that you provide the aforementioned explanation and documentation within the stipulated timeframe as outlined in the FCRA. Your cooperation and transparency in this regard will greatly assist me in reaching a fair and accurate resolution. 

Once again, I appreciate your attention to this matter and your dedication to ensuring accurate credit reporting. Please provide written confirmation of your response and the documentation enclosed. 

Thank you for your prompt attention. I look forward to receiving the requested information and documentation at your earliest convenience.