davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (NY)

Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (FL)

GM FINANCIAL IS SHOWING AN INQUIRY ON REPORT DUE TO BE REMOVED IN XX/XX/year> ASKING for removal of inquiry, i honestly have no recollection of this inquiry. and considering its due for removal soon im asking for removal. 

SSN : XXXX
Consumer complaint received 2024-05-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Onity Group Inc. (GA)

I recently submitted a complaint about the process in which my mortgage modification was denied. The case was closed as a duplicate it is not a duplicate it is a totally different complaint. 

I provided documentation in which several pH mortgage Representatives inform me wrongly. I was advised by administrators customer service reps and the like that my XXXX XXXX XXXX was enforceable and that the second cold borrower signature was not required. 
This information was provided to me over and over and over again which caused the delay in obtaining the second cold signers signature. The second borrower XXXX XXXX XXXX does not live at the residence. She resides in the state of XXXX XXXX and had I been provided with the correct information I would have promptly collected the signature from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make sure that the first loan was approved. 
This negligence on the behalf of PHH Mortgage has put me in a financial Bond and am now facing XXXX because of this negligence. What is the responsibility of the company to the loan holder? This bait and switch where incorrect information was provided should be reprimanded. I am a consumer who knows nothing of the process and procedure of PHH Mortgage and depend on its customer service representatives and other employees to provide me with the correct process and procedure for my specific situation. I feel As though PHH hold a responsibility for this situation and should attempt to rectify it. A company wide XXXX of false information should never be tolerated by CFPB.
Consumer complaint received 2024-05-30
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. (TX)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Paradigm Assets, LLC (CA)

I have no clue what kind of account this even is. Its not a credit card of any kind and I certainly never opened up any account like this. I need this taken off my credit files. Debt factoring account or something like that I have no clue even what that is all I know is someone racked up a few XXXX dollars and never paid on this! Was turned down on a lease recently because of this XXXX on my credit!
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (FL)

I obtained a loan from Advance Financial on XX/XX/XXXX. The loan amount was {$2400.00}. The loan terms were highly unfavorable and included exorbitant interest rates and fees, making it nearly impossible to repay the loan without falling into a cycle of debt. 

Despite multiple attempts to negotiate a fair settlement or more manageable repayment terms, Advance Financial refused to offer any such options. On XX/XX/XXXX, I contacted their customer service by phone to request a settlement, but my request was denied. I followed up with emails on [ Dates of Emails ] and written correspondence on [ Date of Letter ], all of which were ignored or outright denied.

Before defaulting, I informed CC Flow that I was terminated from my job on XX/XX/XXXX Additionally, without attempting to resolve the issue with me, Advance Financial sold my loan to a collections agency on XXXX, further exacerbating my financial difficulties. This action has negatively impacted my credit report and caused significant financial and emotional distress. 

Desired Resolution : I seek the following resolutions : An investigation into Advance Financial 's lending practices Adjustment of my loan terms to fair and reasonable rates Implementation of better customer service and negotiation options for all borrowers Compensation for the financial and emotional distress caused by their practices Removal of all negative remarks from my credit report associated with this loan, as per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, which requires that credit reporting agencies ensure maximum possible accuracy of information.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA (SC)

I am in a divorce and my soon to be ex-wife has been changing all my personal information to her email and address on various credit cards using the below information. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX and various email addresses ending XXXX I have not autorized her to use any of my accounts and she is using the cards in my name.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

ACCOUNT NAME AFNI , INC ( Original Creditor : XXXX ) XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish anaccount without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an accountwith this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

The inconsistency in your reporting is not only inconvenient but also damaging to my financial standing and overall well-being. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. WHY DOES YOUR BUREAU TAKE AN INORDINATE AMOUNT OF TIME TO RECTIFY INACCURACIES WHEN OTHER CREDIT BUREAUS HAVE MANAGED TO COMPLETE THEIR REPORTS ACCURATELY AND PROMPTLY? THIS DELAY IS NOT ONLY UNACCEPTABLE BUT ALSO INDICATIVE OF A LACK OF COMMITMENT TO ENSURING THE INTEGRITY OF THE CREDIT REPORTING SYSTEM. 
XXXX XXXX  PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It has come to my attention that there are significant disparities in the reporting of fraud accounts across different credit bureaus. While some bureaus have successfully and promptly removed these fraudulent accounts from my credit report, your bureau seems to be lagging behind, causing unnecessary confusion and distress on my part. I insist that you prioritize the resolution of this matter urgently and provide me with a detailed explanation of the steps you are taking to rectify the inconsistencies in my credit report. The delayed removal of fraudulent accounts is not only a violation of my rights as a consumer but also a direct threat to my financial stability.
Consumer complaint received 2023-04-30
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. (AL)

I have submitted disputed both verbal, written and electronic disputes. 

Even going as far as submitting disputes via regular mail on XX/XX/2023 and then again XX/XX/2023 after they claimed that they were able to verify certain items in my report. 

In both written requests, I requested documents confirming that these were my account as I believe they are fraudulent. TransUnion has never been able to provide me with any and only verifies them. I am seeking documentation from the creditors as requested in the attached disputes. 

I have also asked them update my information as my name, date of birth and address all seem to be incorrect on their report and could be adding to the many inaccuracies they are reporting. This request was submitted with both my current drivers license as form of ID & social security card.
Consumer complaint received 2024-11-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: STELLAR BANCORP INC. (TX)

Stellar Bank that used to be Allegiance Bank have reported wrongly to credit bureaus, As you can see on attachment their webpage always show my Due Date is been the XXXX of each month, for example as of today that my next payment due date is XX/XX/XXXX that mean that if I pay more than 30 days late ( as they reported on credit report agency ) these will be after XX/XX/XXXX and these should repeat consequently, as I can probe on all these attachment all my payment have never past these 30 days window, actually on XXXX ( see attachment ) they have reported XXXX to be 30 days late ( when is not ), also they put NO DATA FOR THESE PERIOD? in XXXX but they also Put XXXX payment to be paid on time? when my payment for XXXX have not even been Due until XX/XX/XXXX, to make these even worst in XXXX they have reported as I am 60 days late in XXXX and XXXX, ALSO ANOTHER HORRIBLE MISTAKE
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (NJ)

I previously filed a complaint about inaccurate credit report on my XXXX report. The account should show included in bankruptcy and balance should be XXXX. Thats not how its reported on report. XXXX XXXX and XXXX has it correct. Please fix or I will sue.
Consumer complaint received 2023-12-21
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)

CONSUMER REPORTING AGENCIES HAVE BEEN PLACED ON NOTICE THEY ARE IN CLEAR VIOLATION OF THE LAW PURSUANT TO 15 USC 1681a IN REGARDS TO FURNISHING CONSUMER REPORTS FOR MY PERSON. THEY REFUSE TO REMOVE UNLAWFUL VIOLATIONS AND CONTINUE TO UPDATE INFRACTIONS WITH CURRENT DATES IN BLATANT WILLFUL NONCOMPLIANCE OF THE LAW,
Consumer complaint received 2023-12-21
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. (DE)

I am writing to address a matter of utmost importance regarding the accuracy and completeness of the information currently being reported by your company. Following a meticulous review of my updated report, it has come to my attention that there are discrepancies and incomplete details that require immediate rectification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-06
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. (IN)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

There are multiple mistakes between the 3 credit bureau reports. 

Last payment dates are wrong Closed account dates are wrong The Collection Agency name is wrong XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-04-30
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: The Receivable Management Services LLC (CA)

I am sending this comnplaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent themover 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation!!.,
Consumer complaint received 2023-04-30
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX card states I have two lates XX/XX/XXXX and XX/XX/XXXX. This direct violation of FCRA US code 15 1666 ( b ) timing of 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 ''
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

My account with XXXX XXXX XXXX never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in XXXX to be removed. 

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

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

XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2023-04-30
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. (VA)

XXXX XXXX XXXX card states I have two lates XX/XX/XXXX and XX/XX/XXXX. This direct violation of FCRA US code 15 1666 ( b ) timing of 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 ''
Consumer complaint received 2023-07-26
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. (NC)

XXXX, XXXX and Experian are reporting inaccurate information on my credit report and is causing a lot of hardship. I contacted them via certified mail to dispute inaccuracies and they continuously send me letters that the accounts are verified when I request proof, but they refuse to remove based on some nonfactual information.
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (VA)

I am writing to formally dispute certain information on my credit report. After reviewing the report, I have identified multiple inaccuracies. In accordance with the Fair Credit Reporting Act ( FCRA ), Title 15, Section 1681i, I am requesting a thorough investigation of the items listed, if they are found to be inaccurate or unverifiable. I am not liable for this debt, I was a victim of identity fraud/ theft this company created a two separate account, failed to provide me with documentation as requested and continues to report negative information to the credit bureau
Consumer complaint received 2024-05-30
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Credit card appeared in my name. My personal information was fraudulent used to open an unauthorized credit account in my name without my permission. I have contacted the attorney general after speaking with customer service rep XXXX XXXX who advisd that I do so.