davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
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. (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. 

Bankruptcy : # XXXX, Bankruptcy : # XXXX, Bankruptcy : # XXXX, Bankruptcy : # XXXX, Bankruptcy XXXX, Bankruptcy XXXX XXXX, XXXX XXXX # XXXX, XXXX  XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX US DEPT ED # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, XXXX  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 2019-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (AL)

I RECEIVED AN ALERT THAT THIS COMPANY HAD ADDED THEMSELVES TO Y CREDIT REPORTS. I DON'T HAVE A CLUE AS TO WHO THEY ARE OR WHY THEY ARE TRYING TO SCAM ME OUT OF OVER A THOUSAND DOLLARS. I HAVE NEVER RECEIVED ANY INFORMATION FROM THEM. I DISPUTED WITH THE CREDIT COMPANY THINKING THAT WOULD FORCE THEM TO SEND ME SOMETHING IN THE MAIL TO EXPLAIN THIS DEBT AND THEY HAVE NOT. I CONTACTED THIS COMPANY AND GAVE THEM MY INFORMATION ( SOCIAL SECURITY NUMBER ) AND THEY COULD NOT PULL ANYTHING UP. NOT EVEN THE AUTOMATED SYSTEM COULD PULL UP ANYTHING VIA MY SOCIAL SECURITY NUMBER. THESE FOLKS TRANSFERRED MY 3 TIMES AND WAS GOING TO TRANSFER ME A FOURTH TIME UNTIL I REFUSED TO. THEM XXXX OR WHATEVER HIS NAME WAS TOLD ME THAT IT WAS POSSIBLE THAT XXXX WOULD NOT KNOW ANYTHING ABOUT THIS ACCOUNT. BUT IT IS SUPPOSE TO BE A XXXX XXXX THAT THE ARE COLLECTING FOR I DON'T KNOW WHAT KIND OF OVERSEAS SCAM ARTIST THESE PEOPLE ARE BUT IT'S DISGUSTING.THIS COPANY NEEDS TO BE INVESTIGATED. ASAP.
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I took out a loan in XX/XX/XXXXwith XXXX XXXX XXXX XXXX XXXX XXXX for {$310000.00} and the balance today is {$330000.00}. The loan was sold to XXXX XXXX ( XXXX ) in XX/XX/XXXX and they were showing a much lower balance. Caliber Home Loans now claims to be servicing the loan for some XXXX Master Participation Trust which is just an Agent allegedly pertaining to XXXX XXXX. They securitized my loan and did not send me a copy of the IRS filing documents as requested in the following letter to them. 

CALIBER HOME LOANS XXXX XXXX XXXX MASTER PARTICIPATION TRUST ( AGENT ) XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, ET AL Dear Sirs : We attach a copy of a Court Order and this Qualified Written Request ( QWR ) for an accounting of the loan you are alleging to be servicing on behalf of Fannie Mae. We would like a complete accounting and a copy of the cancellation of debt when the note was securitized filed with the IRS form per 26 USC ss. 108i from the Trustee, Trustee Corps for our Attorneys as stated below : This is an IRS form that servicer trustees must file who put your mortgage into a stock pool. 

Please use my cusip number ( s ), to prove that I didn't sign a mortgage but an investment contract that I was made an accommodation party to but not a participant. 

Did you sell these unregistered securities and are in possession of contraband. 

Also there should be Cancellation Of Debt ( COD ) when the mortgage Security was converted to a stock ( 26 USC ss. 108i ) ; Did it make it into the REMIC?

Thank you and we wait your reply. 

Mr. & Mrs . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Cell : XXXX ( XXXX ) XXXX Encl./ Court Order from Federal Bankruptcy Court
Consumer complaint received 2018-10-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Go Capital Holdings, LLC (IN)

In XXXX, I opened an account with Go Financial which is now XXXX. In XXXX, I went to trade in that vehicle while being promised by XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, OH that the remaining balance from my other carwould be taken care of. XXXX  XXXX paid the balance off, 45+ days late. Now my credit report shows 2 late payments in XXXX and XXXX XXXX from Go Financial because the account was still in my name somehow even after I traded the vehicle in. I have contacted both XXXX and XXXX XXXX dealership to fix this but nothing has come of it.
Consumer complaint received 2023-06-13
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

In accordance with the fair credit reporting act XXXX Account, Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1692g - Validation of debt law This account with Capital One has been Charged off but is still reporting derogatory and balance to my credit report. I have requested a 1099c form so I can audit them to make sure they are in compliance but have yet to receive one. This is account is not reporting accurately to 2 to the bureaus.

They are violating 15 USC 1681 e ( b ) for reporting information that is not 100 % accurate.
Consumer complaint received 2023-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (FL)

Our loan was transfered from XXXX XXXX XXXX XXXX to SN Servicing Corporation officially XX/XX/23. We received notice from XXXX on XX/XX/23. However we didn't receive notice from SN Servicing until XX/XX/23, almost a full month past the official transfer date. I had to call them XX/XX/23 to find out the loan number and the mortgage amount to be payed. As of now they still haven't sent a mortgage statement. This loan was transfered at the end of a XXXX XXXX bankruptcy and we'd like to make sure all the financial data is correct. But we are unable to do so.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

TD BANK NA XXXX IS ILLEGALLY REPORTING late payments on an account that NEVER belonged to me. 

This has been repeatedly requested to be removed by the vendor BUT they have not complied
Consumer complaint received 2023-06-13
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: SECURITY FINANCE CORP (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2016-10-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CO)

On Saturday, XX/XX/2016, my son deposited a cashiers check for {$2400.00} into his Chase checking account. On Monday, XX/XX/XXXX the funds showed up in his account as available for his use. On Tuesday, XX/XX/XXXX he transferred {$1600.00} into my Chase checking account. On Wednesday XX/XX/XXXX I was notified by Chase that the funds were in my available balance, and I removed those funds in order to pay for something. Later that same day, the Chase Bank notified my son that the check had actually bounced, and so they deducted the amount of {$1600.00} from my account and his account. The issue is that the bank had a cashiers check for 4 days, had 4 days to check the validity of the check, made the funds available to each us, which in our minds meant that the bank had thoroughly checked it through, and then after all of that did not take accountability when they discovered that the check was not valid. Our issue is that we did not ask them to loan us money based on that check, we trusted them to be able to tell us if the check was good or not. This is really what we pay them for, and they should be accountable and liable for giving us money when they told us the check was valid.
Consumer complaint received 2022-11-28
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. (TX)

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

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 XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Credit Card Issued : XX/XX/XXXX Credit Card # : XXXX Seller : XXXXXXXX XXXX XXXX  Creditor to whom debt is owed : Portfolio Recovery Associates , LLC XXXX : {$1700.00} I was first contacted by Portfolio Recovery Associates , LLC in XXXX and they indicated they would take me to court or garnish my credit as i owed them money. I went ahead and made a {$300.00} payment and never heard back from them, they stated the amount at that time was a little over $ XXXX. 

On XX/XX/XXXX they sent me a letter stating I still owed them monies in the amount of {$1700.00} for a XXXX XXXX XXXX credit card ( XXXX ) issued in XX/XX/XXXX. I contacted their offices and reminded them they statue of limitations for the state of California is 4 years, and they had contacted me 8 years later in XXXX demanding payment with an ability to garnish my credit or sue me. 

My debts were also XXXX by the court in XXXX, CA in XXXX via XXXX XXXX XXXX 

I would like them to stop harassing me with calls and correspondence as this was already resolved via XXXX and also the state limitations for California. 

Thank you
Consumer complaint received 2023-06-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

Great Lakes sold my student loans to Nelnet. I have asked Nelnet to validate my debt with a validation of debt letter that was mailed around XX/XX/23. They responded email on XX/XX/23 that they would validate the debt within 30 days threw the mail. No letter was received 30 days later and have since not validated my debt.
Consumer complaint received 2020-02-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc. (TN)

information below is creditor I'd like to file complaint, my credit score dropped 131 points from XX/XX/XXXX - XX/XX/XXXX because of the false information they'd reported to credit bureau and I've filed a disputed which is completed and deleted ( see below ) but need to request how to get my credit score back up? please advise thank you XXXX XXXX CENTRAL PORTFOLIO CONT Account XXXX This item was removed from your credit report. Please review your report for the details. 
XXXX icon Deleted You can contact CENTRAL PORTFOLIO CONT at XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX, MN XXXX or ( XXXX ) XXXX-XXXX  After your dispute : This item was removed from your Credit Report. 
Before your dispute : Account NameCENTRAL PORTFOLIO CONTRO Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. 
Status UpdatedXX/XX/XXXX Balance {$150.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Original Balance {$150.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX Payment History XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX Historical Information First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (FL)

Although I appreciate you spending the effort to FIX some of the data on my credit report, there are still several accounts that require UPDATING. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I wish these disputed accounts could be updated or repaired immediately : XXXX XXXX XXXX XXXX XXXX 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 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

Citibank put a fraud alert on my card new Citi Bank American Airlines Platinum Advantage Card when I tried to use it. When I called Citibank to verify my purchase and my identity they had no response as to why they had set a fraud alert, and further said that because my phone number had changed, we could only verify my identity if I gave them one of my other bank account numbers. I was hesitant to do so, but they said that was the only way. Together we called my XXXX XXXX in the U.S. to verify my identity using my social security number, bank account number, and address. After my identity was verified by XXXX at XXXX XXXX, Citibank told me that they still would not remove the fraud alert because of my changed phone number. I told them that I could not " unchange '' my phone number and had complied with their every request in verifying my bank account and social security number. Several managers and a supervisor repeated that although I had verified everything, that my " phone number had changed '' and said an alternative would be to send a letter from the United States to XXXX XXXX where I am currently located trying to use my card to pay for a flight to the XXXX ( and where I have a XXXX XXXX phone number that Citibank was still refusing to call ). As I told them I was in the midst of trying to book a flight and traveling and could not receive any letter from the U.S, I wanted to immediately cancel the card. They told me I could not cancel my card since I had changed my phone number. They said I could neither use my card nor cancel the card. This is the worst experience I have ever had with a credit card, and one that not only prevented me from purchasing a needed air ticket, but may lead to late charges since they won't allow any access to my account, or even allow me to cancel my account. Let me reiterate that I did nothing wrong in trying to use my credit card -- it was Citibank who put the Fraud Alert on t he card and has no made it impossible for it to be removed although I complied with their every request to call my bank using my bank account, social security number, and address for their false fraud alert. There is no way for me to " unchange '' my phone number so this problem is unresolved. Also, according to legal ways of verifying identity- a phone number is not one of them. I need immediate assistance please as every phone call with CitiBank has not resolved this issue.
Consumer complaint received 2022-11-28
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. (OH)

I am contacting you because the following items have been deleted from only one credit reporting agency but still appear on others and from my understanding if a account is deleted from one CPA the others shall follow suit and remove as well XXXX. XXXX # XXXX XXXX XXXX  # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CA)

I am writing regarding the transaction of {$10000.00} with the transaction ID XXXX, which was sent to my WISE account associated with the email XXXX on XXXX XX/XX/2022. This account was deactivated by WISE. This transaction was made by mistake to my WISE account by one of my clients. The amount of {$10000.00} must return to the sender 's account, but it never happened. We already have filed a complaint to the bank from where this transaction was made, it's been almost over a month this amount was never sent back to the sender 's account. As we were paid for our services, my client is not willing to repay our services because He didn't get the prior transaction amount back in his account. We need this matter to be fixed ASAP. Thank You
Consumer complaint received 2023-03-04
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. XXXX ACCOUNT NUMBER : XXXX Account is not mine please remove from my credit report XXXX. XXXX XXXX XXXX XXXX  ACCOUNT XXXX : XXXX Account is not mine please remove it from my credit report XXXX. XXXX ACCOUNT NUMBER : XXXX This account is not mine please remove from my credit report XXXX. XXXX XXXX  ACCOUNT NUMBER : XXXX This account is not mine please remove it from my credit report However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.