davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.

XXXX XXXX XXXX XXXX XXXX XXXX defines Verify as, 1 ) & quot ; To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. & quot ; 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. & quot ; and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this XXXX Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (PA)

Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. See, 15 U.S.C. 6802 ( b ) In reference to the account ending in XXXX, I was never provided with the option to opt out of the furnishing of my private information to Credit Bureaus. I did not under any circumstance, subscribe or agree to the sharing of my information & I have incurred damages due to the tarnishing of my Financial Reputation without my permission. 

There was also an issue of the mischaracterization of charges, which I challenged by requesting the itemization of the finance charge. The company has failed to provide me with the itemization of the finance charge, thus failing to provide true & accurate validation of debt. The importance of understanding the content of the finance charge is paramount to validating the validity of the contract under Federal Regulation. 

The purpose of this consumer purchase was to acquire a vehicle for personal use & it clearly states that the holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant thereof or with the proceeds thereof, on the back of the contract.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

On XX/XX/XXXX I received my monthly credit score from XXXX XXXX but didn't check it until XX/XX/XXXX. It said my credit score had gone down over XXXX points. There was an indication that I had a new negative mark from a company named XXXX XXXX. I called XXXX XXXX, which was a company I never heard of and hadn't done business with. They informed me they bought the debt from a lender called Affirm, which is not a company I've ever done business with or received any communication from. XXXX XXXX said I had two choices to either dispute the debt or inquire about Affirm, but I couldn't do both, so I disputed the debt and called Affirm myself. I also learned that Affirm issued the loan under my account without ever having my full name. They awarded the loan under XXXX XXXX by in XXXX. 

When I called Affirm, the rep couldn't find me in her system, because they never had my full name, only my first initial and last name. She told me she could easily tell that someone fraudulently created the account, and she submitted a report on the account. Following that, I also submitted a dispute with XXXX, XXXX, and XXXX. XXXX made no effort and responded back within XXXXwo days that the debt was mine, when it isn't. XXXX and XXXX are still processing my dispute. To reiterate, all of my debts are paid on time, and more than the minimum balance is paid. I never applied for a loan or any other financial request through Affirm. I didn't even know that they existed, and I've never been contacted by them regarding any debt or money.
Consumer complaint received 2023-06-01
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: Convergent Resources, Inc. (NV)

I have reported identity thief due to lost of ID and Social security card and rerouting of mail. I reported it to the FTC more than once and my credit is not being protected. XXXX until XXXX I still have someone applying and paying credit in my name. I have attempted several times to inform the credit reporting agencies, of this issue in which in return they have told me my social name and address was to to create the profile. I also provided the FTC report in return they told me was not vaild, now i have several debts on my credit report that does not belong to myself. In return I only own 2 credit cards which belongs to the company XXXX XXXX. The credit freezes on my credit report is not being use as the attempts are still being made to apply for credit by the unknown persons.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Ability Recovery Services, LLC (IN)

What I follow your line from suggesting that there is information that is incorrect in my credit reports to the fact that I find that it is not correct first the 3 office that gives fact information concerning the credit repair even when I keep them informed this one is not doing its job properly. He continues to put information that is fair in my credit report for which I am not guilty is that I see what any service at as if the right to put information that is unfair to the fact in my credit report and which means that my credit can not advance and that my score is really stupid or else a credible one who will not be able to allow me to take credit or want to work on my credit so that it can advance and that I was waiting for the level I am wishing for.
Consumer complaint received 2022-11-30
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. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Concerning loan servicing transfer. On XX/XX/2023, I received a letter from Flagstar Bank notifying me that they were taking over my mortgage as of XX/XX/2023 -- the very next day. The letter is dated XX/XX/2023. Under either date, this plainly violates the requirement that I receive 15 days notice. I received absolutely XXXX notice from my actual service, XXXX XXXX XXXX. 

Why is this an issue? Because I have an autopayment scheduled to my old servicer set for XX/XX/2023, and it's too late to cancel that payment. I can not set up autopayment with the new servicer until XX/XX/XXXX. Per Flagstar 's letter, my old servicer stops receiving payments as of today. I tried to contact both servicers but did not receive the letter until the close of business. As of right now, it appears that I am both simultaneously going to pay my mortgage to an old servicer and, in the same month, fall behind on my mortgage with a new servicer. Even if the money is ultimately refunded and I am not charged late fees under the 60 day statutory protection period, this is causing immediate financial ( and emotional ) harm. Also -- how can I trust these companies to adhere to the 60 day safe harbor when they already violated the 15 day notice period?

All of this could have been avoided had these two servicers simply complied with the law, given me 15 days notice, and scheduled the transfer for XX/XX/XXXX.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilles with fairness, impartiality, and a RESPECT for the consumer 's RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system I never gave my expressed, written consent fle these consumer reporting agencies to report my information, which violated IS U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 Us. Code 1631c-2. These accounts are notrelatedtoany
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I kindly request an update to my credit report, specifically the removal of the hard inquiry that are not initiated by me. I've already attached below the necessary documents to support this request. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA (PA)

Dear Sir/Madam, I am writing to lodge a formal complaint against Goldman Sachs Bank USA concerning my Apple Card account, which was opened on XX/XX/XXXX. 

Following the opening of this account, I did not receive any copy of the Apple Card Customer Agreement, which is required to contain key information about my account such as the terms of interest on new purchases, details regarding the prime rate, the arbitration provision, and other important terms and conditions. 

To my understanding, this may constitute a violation of the Truth in Lending Act ( TILA ) and the Credit CARD Act of 2009. These Acts mandate that credit card issuers provide clear and conspicuous disclosures of the account 's terms and costs to the consumer. I believe the non-disclosure of such important information has deprived me of my right to be fully informed about the financial product I have purchased. 

The lack of disclosure has resulted in an unfair and deceptive practice that hampers my ability to make informed decisions regarding my finances. I hereby request the CFPB to investigate this matter, enforce necessary actions against Goldman Sachs Bank USA for any potential violations, and ensure my rights as a consumer are upheld. 

I am prepared to provide all necessary documents and records in my possession to support this complaint. 

I appreciate your time and consideration of this matter and anticipate your prompt response and resolution. 

Sincerely,
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

On  XXXX  I went through the various screens and specified, first Experian, then  XXXX , but in each case at the last screen where it said it was getting the report it said that I could n't get it online and would need to mail to an address they provided. This is misleading when it was advertised as providing an online report!
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (MD)

Hello, My name is XXXX XXXX. 

I am trying to sell my home - XXXX XXXX XXXX XXXX, XXXX MD XXXX I made payment on time and my mortgage is current- but SN Servicing incorrectly applied the amount I paid and didnt count it against what I owed. 

XXXX XXXX - also makes things difficult in regards to doing the work needed to sell my home- because I can not keep it. 

My agent has a client who can take over the loan - do a loan assumption but they refuse to take the written letter I made for my agent to speak to them and then they dont call me back. 

Its absolutely horrible experience and I have to let go of my home.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I checked my credit record, I discovered a lot billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX & XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$460.00}. I previously requested that you remove send me with copies of proof of verification or the results of your investigation to support your claims that the disputed accounts are indeed investigated or verified. Without these documents, immediate correction of the disputed accounts are expected.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (MI)

I received an email on XXXX/XXXX/XXXX  that an account and secured credit card was opened with Chime. I called immediately and spoke with a representative that stated i needed to make a complaint to proceed. Ive already made a police report back in XXXX regarding fraud with another Bank. I am a very secure person. I dont shop online. Ive done everything that is required to protect yet more things keep happening.
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (NC)

After my husband was tragically killed, I canceled our XXXX credit card issued by U.S. Bank, submitting the required death certificate. When I sold a car some months later, XXXX XXXX sent a partial premium refund of XXXX to the last card used, which was this credit card. Even though the account had been closed, US Bank accepted the refund! Now they are requiring me to jump though hoops and submit testamentary letters to get the refund, which they promise within 90 days. I am moving in two months, and the post office will not forward mail from my XXXX XXXX because it is part of a larger entity and considered a business address. because I have no control over when US Bank will send this check, I have no assurance of receiving it after I move to California. 
1 ) Credit card company should be prohibited from allowing any activity on an account that has been closed! 
2 ) On active accounts, they should be required to pay interest at the same interest rate they are charging that particular customer on any credit balance in their possession, with an additional late fee of {$35.00} if the refund check has not been mailed in 60-days. 
I am sick of their predatory practices.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (SC)

XX/XX/2023 I order a sofa that was supposed to be delivered to the door. It was left on the side of the home and marked delivered to door. I have a hand injury and can not move the item up the step and it has been on the side of the home and rained on for over 15 days now. I have called the company three times and nothing was resolved. I need the item removed and my account credited.
Consumer complaint received 2023-06-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (KY)

Pennymac refuses to release the insurance claim funds without monitoring. The process they are forcing has cause 1 month of additional damage to my home as I can not get a contractor to start the work on the home without the funds for materials. 

I have expressed the pennymac my difficulties with the online portal, also my financial difficulties with the extent of damage to my home. They will not release the funds, and the funds required to repair my home will far exceed the current estimate due to the delay and the fact that tarps are laying across my home. 

They are the mortgagee but I have to live in this home, mold is starting to form. My insurance says it's my fault, since they have paid. Contractors that have already performed work have not been paid. 

This feels like retaliation for my previous complaint.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Round Up Ventures, L.P. (FL)

I have called and they stated that they report on the XXXX every month. And that they are not responsible for the credit bureau not reporting correctly and that it would be on them. I did inform them they have not reported any payments since XX/XX/XXXX. They did not have much to say after that.