davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Caliber Home Loans, Inc. (CA)

I was marketed by Caliber Home Loans via a letter. I applied for the refinance of my home with Caliber Home Loans, only after they assured me that a prior Chapter & BK and included foreclosure would not be an issue. I was charged for an appraisal an we supplied all of the requested documentation to process the loan. 
We are then told that they could not approve the loan based on the BK and Foreclosure. When I mentioned the statement from the loan officer XXXX that she had received written permission regarding this, then the issue of disputes on our credit report were brought up. I requested that information so we could correct those inaccuracies on our credit report. I was told that it would be sent and it was not. 
Now I am told the the Fanny Mae DU system did not accept our loan file. I believe this to not be true and also feel this process of obtaining a XXXX DU finding would have be done in advance of ordering an appraisal. 
I feel that our loan file was not processed in a manner to protect us from un-necessary charges of the appraisal fee and I do request an immediate refund of this expense. 
Thank you.
Consumer complaint received 2017-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Recovery Services, Inc. (AZ)

ACCOUNT RCVY SERVICE  XXXX  ACCOUNT RCVY SERVICE Address :  XXXX   XXXX   XXXX   XXXX , AZ  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Original Creditor :  XXXX   XXXX    XXXX   XXXX   Collection account. {$1400.00} there is also an amount of {$3500.00} that belongs to another family member who is  XXXX  and never authorized those   XXXX   prescribed by a Doctor.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Atlanticus Services Corporation (OH)

In XXXX, I opened an account with Fortiva through XXXX to pay for a big ticket appliance. The terms of the account were satisfied in XXXX and I never used the card again. I received in the mail a credit card from Fortiva, with terms and conditions I never requested nor agreed to. I was notified of this through another lender of mine who advised of new accounts on my credit report. My credit score also had decreased.

I contacted Fortiva on Monday 8/21/2023 to advise I never requested nor authorized a credit card to be issued in my name. The agent I spoke with XXXX, offered an apology and advised he would close my account. 

On XX/XX/XXXX I received an email stating that I was notified via email a few months back that I didn't opt out of the offer, and therefore they issued me a card. It appears I closed the account, however I take issue with this as I never gave express permission for an account to be opened. I understood that it was illegal for a company to open a credit card account without permission of an account holder. 

I request that Fortiva do what ever necessary to undo the actions they have taken and report that they opened a credit account in my name without my permission to all three credit reporting agencies. 

A financial institution should not be permitted to reserve the right to open accounts in a consumers name, just because that consumer previously did business with them! 

In my original terms with fortival, it was an installment-type of loan in excess of two thousand dollars, to cover the costs associated with the purchase of a kitchen appliance. The interest on that initial loan was high- XXXX XXXX. The interest on this credit card they opened without my permission is is XXXX XXXX. The credit limit issued was {$1000.00}. Fortiva claims this was an upgrade from my account through XXXX. How is this an upgrade? 

I have faced penalties and consequences from my authorized credit card companies who have since reduced my available credit by thousands of dollars citing that "... too many new credit accounts have been opened in my name. ". 
I am very disappointed in the actions by Fortiva in taking steps I did not authorize that led to a drop in my credit score and my available credit.
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (FL)

The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency. With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report. Furthermore, the Metro 2 standard is a common format for reporting credit information. Banks and other lending institutions use the Metro 2 standard to report information to the CRAs. The goal of the Metro 2 standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights. The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you!
Consumer complaint received 2023-08-22
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: TRUIST FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  Inquiry : XX/XX/XXXX I do not recognize these companies nor did I apply, I am guessing someone who stole my wallet at that time had my identity and applied for all these things. This is incorrect Credit reporting on my end, and I am suffering loss due to these hard inquiries I have not applied for The Fair Credit Billing Act ( FCBA ) is a 1974 amendment to the Truth in Lending Act that puts in place consumer protections against inaccurate or fraudulent credit card charges and other billing errors.

If unheard please refer toSection 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute
Consumer complaint received 2023-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (FL)

This complaint is filed against FRONTLINE ASSET STRATEGIES. This company has not provided me with ANY documentation such contract or application signed by me reflecting my social security number. I have tried to have them provide me with such documents for the past six months and nothing. I need CFPB to request to FRONTLINE any documentation that proofs that I own the acct showing my signature and social security number. Other than that ANY ANSWER filed by FRONTLINE is not valid without supporting documents.
Consumer complaint received 2016-12-02
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ROC Asset Solutions, LLC (NJ)

They have been calling threatening me with lawsuit and that if I dont contact them I could be sent to jail. They have called 3 people that I dont keep in contact with much, but they were worried and called me to say they were woken up with a man named XXXX XXXX calling them asking them about me. 
XXXX
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CA)

Your Bank is a third class bank, it is very hard to reach customer service and once you reach it, they keep on transferring you from one department to another, and each department wants to verify your account, US Bank used to be a very good bank, but lately its customer service has become horrendous. 

I've already sued you in the court, and I've already transferred my money to another account, right now my account balance is XXXX
Consumer complaint received 2016-08-30
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration (TX)

Received numerous phones call regarding a possible debt that someone else possibly did. I have had my identity stolen and filed all proper paperwork with the FTC, the Police department, Social Security administration and the FBI. They have called my parents home, my unlisted cell phone and made a number of threats. I have called and explained to them that this is not my debt and my attorney will be contacting them.
Consumer complaint received 2017-05-10
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Santander Consumer USA Holdings Inc. (AZ)

XXXX / XXXX /   17  - Called several members of my organization 's management team on their personal cell phones giving them his name, company and asking to speak to me or a member of my legal representation.     This led to multiple calls and emails to my HR department whi ch may result in my termination. He led them to believe that I was in serious legal trouble and needed legal rep resentation.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Paypal Holdings, Inc (MN)

I had paid off and closed my Pay Pal account XX/XX/XXXX. In XXXX then I saw my good credit score go down XXXX points, due to Pay Pal saying I didnt pay my account for 60 days, I then contacted the company complaining that I closed my account in XXXX. The man then said he closed my account with a XXXX balance, I also complained that your company had told XXXX I didnt pay this closed account and took XXXX points that I worked hard to get and please contact XXXX to reverse this that I didnt owe {$18.00}. He said he would. I want that XXXX points given back to me since I pay all my credit on time including my Mortgage & HOA solely with my XXXX XXXX check. That {$18.00} that Pay Pal said I owed was fraud and if I hadnt taken care of this then it would have gone so high with late fees. Total Scam!
Consumer complaint received 2023-02-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XXXX I asked TransUnion to investigate and verify the accuracy of the incorrect six XXXX XXXX XXXX accounts. TransUnion did not do a proper investigation per the Fair Credit Reporting Act, nor responded to the CFPB complaint request made on XXXX with the complaint number XXXX. I am including multiple screen shots of proof showing TransUnion violating my rights. Delete the six XXXX XXXX XXXX accounts on my TransUnion credit report IMMEDIATELY. It has been 60 days since the initial request was made.
Consumer complaint received 2023-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc. (LA)

I have been a victim of identity theft, Im assuming it was due to the data breach XXXX had recently.. Now my information is being used. I Have a collection from Synerprise Consulting ( XXXX XXXX XXXX ), and a hard inquiry from XXXX XXXX had given me the run around for months now. I am preparing to take them to court if this does not get resolved soon..
Consumer complaint received 2023-05-13
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: Experian Information Solutions Inc. (MO)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to correct or removed immediately : XXXX XXXX XXXX XXXX XXXX : {$28000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} -Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXX XXXX : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} - I believe this account is reporting inaccurately. I do not recall ever
Consumer complaint received 2023-08-22
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: AMERICAN HONDA FINANCE CORP (NY)

In with Fair Credit Report Act, Thus creditor DIVISION Of CHILD SUPPORT has violated my rights under 15 USC 1681 section 602, states I have the right to privacy.

15 USC 1681 section 604A section 2, also states that comsumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under and open and comsumer plan as late for any purpose.
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lyons, Doughty & Veldhuis, PC (OH)

This creditor says I owe them {$1200.00}. The original debt was {$2300.00}. I have paid {$1400.00} since XXXX. My balance should only be {$920.00}.
Consumer complaint received 2023-07-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CLGF Holdco 1, LLC (PA)

I received an email from who I thought was Milestone Mastercard ( whom Ive had a card with before ) and it was for an offer of {$700.00} credit limit so I applied with personal info. After applying I realized the website was redirected to two other sketchy websites and after inspecting the original email closer, I realized the email was indeed fraudulent. So now I am worried about my social security number being used for fraud.
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IN)

I have submitted a Request for Mortgage Assistance ( XXXX ) along with every document requested to bring this mortgage up to date. I was waiting for XXXX years for the mortgage company 's underwriters to accept the legal documentation submitted by my attorney for the deed to my home. 

My home has been put on the Sheriffs sale list 3 times now. This mortgage company 's attorneys have not done any research on my account. If they had they would see that I am waiting on their underwriters to do their job. 

I can not sleep or eat. This whole situation has given me severe XXXX. I have done EVERYTHING possible to take care of this problem. The mortgage company 's attorneys just keep on filing. This whole situation is due to the lack of knowledge, professionalism and legality of the mortgage company and their underwriters and attorneys.
Consumer complaint received 2024-03-21
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. (IL)

In accordance with the Fair Credit Reporting and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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't furnish a account without my written instructions.
Consumer complaint received 2023-08-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lyons, Doughty & Veldhuis, PC (OH)

Creditor filed for garnishment on XX/XX/23, per court records, without sending me a required 15 day notice to pay to avoid garnishment. This is not legal. 

I only found out about the garnishment because I checked court records.
Consumer complaint received 2022-11-25
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. (SC)

On XX/XX/2022, I sent a letter to the courthouse with tracking number # XXXX, asking do they report bankruptcies to the credit bureaus, and I received a letter stating that they do not report any bankruptcies to anybody. So, if thats the case, how did the credit buraus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

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 consumers 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 consumers 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 an 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 2023-05-13
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: Experian Information Solutions Inc. (FL)

I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately.
Consumer complaint received 2017-03-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica (PA)

I have had some fraudulent issues on my direct express card. I have filed disputes and they claim no error am has occurred. For orders returned and not refunded they still claim no error has occurred. They have claimed I did n't send paper work. But a dispute rep has read off what I put on the the dispute forms. They are refusing helping me get my money back. It is n't a few dollars. This is over XXXX