davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (OK)

Dissolution of marriage in XXXX of XXXX. Wife stayed in home. Divorce decree states she was to keep home and fulfill mortgage payments. She had me sign a Quit Claim Deed. XXXX XXXX XXXX informed me after I discovered my name is still listed as primary mortgage holder on loan that I could not have my name removed from the mortgage unless the mortgage was satisfied by either a refinance by my ex wife or by the home being sold or the mortgage being satisfied by being paid off. It is my understanding that since I am the primary on the mortgage and a veteran using the VA Loan benefit on said mortgage, my name must be released from the mortgage and my ex wife can not benefit from the VA Loan conditions since I am no longer living there and she has taken possession of the home as of XXXX XX/XX/XXXX. I have not lived there since early XX/XX/XXXX. The Divorce decree was issued on XXXX XX/XX/XXXX. XXXX XXXX XXXX customer service has refused to take into account that the mortgage was a VA backed loan and did not make any effort to rectify this situation when I called twice. They did not investigate nor did they seem to comprehend my position. I have waited 13+ years trying to get this taken care of. Meanwhile, the mortgage amount has counted against my income to debt ratio when trying to buy anything. I can not buy a home of my own nor anything else of substantial value. She immediately moved in her boyfriend in XXXX of XXXX and of course he is not on the mortgage but is enjoying the home I built and I have been homeless twice since XXXX. This situation has caused undue hardship on my creditworthiness, financial stability and living conditions. I ask that this be investigated so that I can move forward financially and be able to take advantage of my VA Loan Benefit and purchase a home. I can not obtain a mortgage while XXXX XXXX XXXX and my ex wife refuse to adhere to the provisions of the VA Home Loan Agreement.
Consumer complaint received 2016-11-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

We are asking for a loan modification from Nationstar. The information was submitted on XX/XX/2016. Upon calling ( they do not call you ) they are constantly asking for additional information, We are on our fifth transmission of request for information. Each time we call there is something new requested. Upon asking for a midigator or underwriting they can not forward the call. And when asked why this was not requested previously all they can say a different person must of looked at the file. We are now over 30 days and they are still requesting information. It appears as if they are stalling so that this goes into foreclosure.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (LA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is my second complaint against the unlawful acts of Portfolio Recovery Associates LLC. Please see CFPB Complaint XXXX XXXX. Portfolio Recovery Associates LLC provided false information to CFPB in its response stating that Portfolio Recovery Associates provided to me, all requested validation of the alleged debt. 
My first requested document was a copy of the original contract between XXXX XXXX and Synchrony Bank. Portfolio Recovery Associates LLC failed to provide the requested document but stated in its response that Portfolio Recovery Associates LLC had purchased an account AND contract. 
Portfolio Recovery was obligated to comply with the federal Fair Debt Collection Practices Act ( " FDCPA '' ) and the Texas Debt Collection Act ( " Texas Act '' ). The former makes it unlawful for a debt collector to " use any false, deceptive, or misleading representation or means in connection with the collection of any debt. '' 15 U.S.C. 1692e. That prohibition includes, among other things, communicating " credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. '' Id. 1692e ( 8 ). The Texas Act contains a parallel prohibition. See TEX. FIN. CODE 392.202 ( a ), 392.301 ( a ) ( Portfolio Recovery Associates LLC failed to communicate with consumer reporting credit agencies that this alleged debt was being disputed but instead, provided partial documentation which did not suffice what was requested from them. And as a result of Portfolio Recovery Associates violation of 15 USC 1692e ( 8 ), a credit application from myself to studentaid.gov for a Parent Plus Loan to help pay for my son 's college education, was denied solely based upon the Portfolio Recovery Associates collections account shown as a negative reporting on my consumer credit report. The FTC and FCRA encourages fair reporting to reporting agencies but Portfolio has denied me of any fairness through violations. 
Recently, Portfolio filed a lawsuit against me alleging that I, XXXX XXXX, owed a debt to them. Attached to the lawsuit is documentation which supposedly supports the alleged owed debt. Portfolio Recovery Associates LLC provided a Bill of Sale which does not include any alleged account information supposedly belonging to XXXX XXXX. 
As a consumer, I am fully aware of the courts most recent decision of the CFPB XX/XX/XXXX lawsuit filed against Portfolio Recovery Associates for their violations against the 2015 Order, the CFPA, FDCPA, and the Fair Credit Reporting Act ( FCRA ) and its implementing Regulation V. 
Portfolio Recovery Associates have continued with these violations in spite of the final judgement results of the lawsuit and I want to make sure CFPB is fully aware of it.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (WA)

In XX/XX/XXXX, I applied for the PLSF program and my student loan servicer switched from XXXX to MOHELA. In XX/XX/XXXX, I received a message that MOHELA was switching the service platform for my student loans. On XX/XX/XXXX, I pulled my credit report from XXXX and it showed that I owed essentially double the amount in student loans. In looking at the loan details, my student loans were being shown in duplicates with both XXXX and MOHELA. I contacted XXXX and asked if this was an issue on their end as reporting my accounts still open with them. XXXX assured me that my accounts were closed with them and that the issue was with MOHELA not correctly reporting to credit bureau that there was a " credit continuance '' with my student loans. When I tried to log onto my account with MOHELA, my profile was not showing as existing in their system because my accounts were being transferred to their new platform. They told me that there was nothing they could do on their end until the transfer was complete and to just call back at a different point in time. This is incredibly stressful because my credit report is showing as having nearly {$200000.00} in debt as opposed to ~ {$95000.00}. I was in the process of finding a mortgage broker to start the loan preapproval process ; however, I now have to halt this process until my credit report is corrected to show my actual loan amount.
Consumer complaint received 2024-05-09
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. ()

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-07-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

We initiated a transfer of funds from our Capital One 360 account ( formerly ING XXXX Checking ) to our Capital One checking account. There was an error during the online transfer, per the website. The money came out of the 360 account, but never made it over to the Capital One checking, i.e. now it is nowhere ( except in the Capital One Bank account for lending, of course ). The transfer was initiated on Thursday, XXXX XXXX. We have called the bank XXXX times through today, XXXX XXXX and still no resolution. We still have no access to our money, and the bank continues to tell us it will be fixed. 

Also today, Capital One Bank initiated another transfer of funds from our 360 account TO the Capital One Checking, they say in an attempt to fix the original problem. This transfer also did not hit the Capital One account and is now nowhere. This was NOT a correction since it was the wrong way, they took MORE money from the 360 account, not a reversal of the original. We did NOT give the bank permission to take this money from our account and now it is also gone. 

We consider this a matter of theft on the part of the bank, and fully expect a criminal investigation. We were told on Friday, during our XXXX call to the bank the the problem was wide-spread for all transfer on Thursday. This should be considered a class action suit along with the criminal suit and I encourage everyone involved to pursuit as we are.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I recently received a copy of my 3 bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX  XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$3900.00}
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-09
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. (NJ)

XX/XX/year> i sent a letter to the credit bureaus they stated that these accounts are verified but how can they verify an account if they never did a fair investigation according to the 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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 2024-05-09
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: Experian Information Solutions Inc. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-05-09
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. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-05-13
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. (VA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 2024-05-09
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. (NY)

I am writing to you with a sense of urgency and frustration that can not be overstated. It has come to my attention that despite repeated attempts to resolve the matter, fraudulent accounts continue to plague my credit report. This is an outrageous violation of my rights as a consumer and can not be tolerated any longer. 

Your persistent failure to rectify this situation is not only unacceptable but also deeply concerning. The presence of these fraudulent accounts is tarnishing my financial reputation and causing significant distress. I have been the victim of identity theft, and your bureau 's negligence is exacerbating the situation. 

The following accounts are need to be remove : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. 

I demand immediate action on your part to cease reporting these fraudulent accounts on my credit file. Your inability or unwillingness to do so reflects a gross dereliction of duty and a blatant disregard for the law. It is abundantly clear that your bureau 's practices are inadequate and must be rectified without delay.
Consumer complaint received 2024-05-09
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. (TX)

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they 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 I included it again. Kindly correct the following accounts : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have recently reviewed my credit report from XXXX XXXX XXXX ) and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers : XXXX  XXXX Account - Account Number XXXX XXXX Account - Account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there may have been a violation of my consumer rights. The law explicitly states : " ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly.

Additionally, according to the FCRA, 15 USC 1681 ( 2 ) ( a ) i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' In light of this, I kindly request the removal of the aforementioned late payments from my consumer report, as they may be in violation of 15 USC 1681. I look forward to your prompt attention to this matter and a timely resolution. 
XXXX XXXX Date Stated As Late XX/XX/year> XXXX Stated As Late XX/XX/year>