davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear PROPERTY RECEIVABLES, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY.

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING.

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL & FTC. 

THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY XXXX XXXX XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Consumer complaint received 2023-06-04
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. (CA)

THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

THIS COMPANY IS RESPONSIBLE FOR REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT HURTING MY ABILITY TO OBTAIN CREDIT. 

UNDER US CODE 1681C-2 THESE ACCOUNTS SHOULD BE REMOVED AND OR UPDATED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-17
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (IL)

Diversified Adjustments is a collection company that is steady harrowing me about a fraudulent account opened using my stolen identity the account was openedXX/XX/2023 in the amount of {$810.00} this is not my account I did not apply for any service or sign any contract with said company but they continue to send alerts to my the credit Bureaus impacting my credit score negatively and illegally on top of harrowing me calling me after I contacted them and reported the fraud..I also have police report as well
Consumer complaint received 2024-04-30
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NorAm Capital Holdings, Inc. (TX)

I received a voicemail on XX/XX/2024 stating that I needed to give a return call as I am a defendant on a complaint docket. Today ( XX/XX/XXXX ) I called the number provided and someone who stated they were from XXXX XXXX. I asked the gentleman over the phone to confirm what company held the debt. He first stated XXXX  XXXX, then changed it to XXXX XXXX. He stated the matter was in regard to a suit being filed against me. I called XXXX XXXX and was told this debt was being held by XXXX XXXX XXXX XXXX. The gentleman I spoke with at XXXX XXXX  stated the company who reached out goes by both XXXX XXXX  and XXXXXXXX XXXX XXXX I then called XXXX XXXX XXXX XXXX. The person who answered stated it was XXXX XXXX XXXX XXXXXXXX XXXX. I asked to confirm which business I was calling and she advised they are both XXXX XXXX and XXXX XXXX XXXX XXXX. She then advised another company, XXXX XXXX sold the debt to her company, who then sold it to XXXX XXXX XXXX. The original creditor is Emoney USA and when I called them today I was told the debt was sold to XXXXXXXX XXXX XXXX.
Consumer complaint received 2023-02-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WV)

XX/XX/XXXX, I filed a complaint with the consumer financial protection agency. I explained that not only were we the victims of predatory lenders, we also the victims of Wells Fargos illegal and fraudulent practices. I made numerous payments using XXXX XXXX from the very beginning of our loan. Because of failure to actually report our XXXX XXXX quick payments, we were forced to request a loan modification that wasnt needed because we made the payments. Our XXXX XXXX dollar original loan, went to basically XXXX!??? Fast forward to XXXX, Again my wife made the payments via XXXX XXXX. I began receiving calls and notifications from Wells Fargo. They are saying that no payments have been made for 5 months and they are going to start the foreclosure process. I called and was told no payments were made of any kind, and the only thing we could do is to file bankruptcy. My wife was adamant that she made these payments. With an accredited mortgage company telling me the whole time, no my wife hasnt made any payments. Literally my only option was to file bankruptcy. After 18-19 years of dealing with Wells Fargo mortgage companys fraudulent activity and lies and downright theft, it is unacceptable. 
A company that was just fined a record amount of XXXX XXXX dollars, for accepting customers payments via XXXX XXXX, and not actually applying it to the actual mortgage. Thats what they did to me. Now my question for you is. Does Wells Fargo know that you can only get records from them until XXXX. The only other way is to submit a request to XXXX XXXX, and hope they will respond and help. They do not have to if they choose not to. So according to Wells Fargo without proof, theres nothing they can do. According to Wells Fargo, I never made any payments through XXXX XXXXXXXX the entire time, until we were forced again into an unnecessary bankruptcy illegally by Wells Fargo. According to the courts verification, and largest fine ever at XXXX XXXX dollars. 
You ask what I want. I want XXXX XXXX dollars. The fact Im filling a second complaint, this time with actual proof of the said transactions. That doesnt and will never cover the hurt and mistrust and accusations, blame, anger, my wife suffered in silence. Her first XXXX was in the way back from the bankruptcy lawyers office. The mental and emotional anguish she had to go through. 
Im now XXXX XXXX XXXX retired from the XXXX XXXX. I have limited income, and my wife is now fully XXXX. The XXXX XXXX will never change what she has been through and had to endure due to entirely from Wells Fargos illegal business process. The fact that Wells Fargo is still using deceitful means not only to me but its in your records. 
I dont see why this even needs to go any further. What would be the point? Im attaching the documents proving for a fact I have used XXXX XXXX services to wire money to Wells Fargo. 
Im not asking for much considering what we have been through Im our dealings with Wells Fargo
Consumer complaint received 2023-06-04
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. (TN)

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 an 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 XXXX 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 inaccurately. 

XXXX XXXX XXXX in accurate
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$9500.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX Balance : {$310.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( XXXX Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (GA)

Incident Description Upon checking my credit report and receiving multiple letters concerning auto loans and credit cards, I learned that I had been a victim of identity theft. 
XX/XX/XXXX a XXXX XXXX Credit card was opened with a credit limit of {$XXXX}. Partial account number : XXXX XX/XX/XXXX a XXXX XXXX was opened with a limit of {$XXXX. Partial account number : XXXX XX/XX/XXXX a XXXX Credit Card was opened with a credit limit of {$XXXX}. Partial account number : XXXX XX/XX/XXXX XXXX XXXX  financed a car. The dealer is unknown. The loan amount was {$XXXX}. The remaining balance is {$XXXX0}. XX/XX/XXXX XXXX financed a car. The dealer is unknown. The loan amount was {$XXXX}. The remaining balance is {$XXXX}. XX/XX/XXXX a XXXX XXXX XXXXredit card {$XXXX}, XXXX XXXX XXXX XX/XX/XXXX {$XXXX}, XXXX XXXX Finance date unknown {$XXXX}. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$XXXX} and {$XXXX0}, XXXX XXXX Bank XXXX XXXX XXXX {$XXXX}, XXXX XXXX XXXX {$XXXX0}, and XXXX XXXX XXXX {$XXXX0}
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/24 I attempt to make a transaction for {$3300.00} via XXXX XXXX while on vacation in XXXX XXXX at the XXXX store. Card was declined. Call the XXXX XXXX merchant after going through verification I was told I would receive a call back to verify phone number, no one ever called me back as Im in the middle of transaction at the XXXX store. I called back again was referred to call the fraud department. Identification was verified by acct #, social Security number, address and date of birth. I have not yet received my physical XXXX XXXX card since I just applied for it on XX/XX/24 currently waiting for it in the mail, I was not able to verify the full card only last XXXX digit of the card, however I do have a chase checking, saving and credit card so my checking acct was given. All chase agents ask for my number but never called back. I called again numerous times after speaking to several agents being rude and not willing to hear my concern. Finally, XXXX lady was more helpful than others and reassured me she would expedited my call to be return today due to me being on vacation and not being able to utilize my card. When a call was return the chase agent would say the same thing that the previous lady said, which is someone would call me today. No one called Im currently stuck in XXXX XXXX with no access to my chase acct that has my checking, saving and credit card linked. Ive express how imperative this situation needs to be handled due to me being away from my residence without any other means. I cant not express the disappointment I have been through today I have made a total of XXXX calls without success.
Consumer complaint received 2023-06-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report as it violates the FDCPA and FCRA regulations. It is imperative that you promptly delete and remove these accounts and information from my consumer report, as their inclusion violates multiple laws. Please take immediate action to remove these accounts and information.
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I have been incarcerated for the last 8 years. A lot of this stuff on the credit reports are all identity theft. I can not seem to get a credit card now that iM free & living a normal life. I feel I have been targeted & a lot of fraud under my name. Thank you.
Consumer complaint received 2023-01-03
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. (MO)

XXXX Home Dates : 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 Amount : {$1400.00} Action taken : Contacted XXXX for resolution Fie a dispute with credit bureaus ( Experian, XXXX and XXXX )
Consumer complaint received 2023-01-25
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-07-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Identity Theft account opened under my name with Portfolio Recovery. I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for Portfolio Recovery,  XXXX ,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all  XXXX  credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors   XXXX   1. Portfolio Recovery   XXXX    accounts 2.   XXXX   XXXX   3.   XXXX   4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.    XXXX   XXXX    XXXX  1 .   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4. Portfolio Recovery  XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Timely payments have consistently been upheld on this account, preventing any occurrence of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be applied.
Consumer complaint received 2024-04-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Recently I submitted an application to Fifth Third Bank for a home equity line of credit I received a preliminary notice in the mail thanking me for applying and informing me of my credit score as well as their process for this particular mortgage loan product. I was asked to give demographic identifying information as part of the application process so fifth third could comply with fair lending regulations. A few days after submitting all required documents I received a call from a loan specialist and was taken aback by the extremely offensive counter offer they presented. Despite my credit score being well above their requirements and the credit line request being well below the 90 % LTV. Fifth thirds underwriters had the audacity to offer me a {$36000.00} line of credit against a property that holds more than {$200000.00} in equity. I find this offer extremely offensive because I have no doubt that an applicant of another demographic group with an identical financial position would have been offered four times this amount. Fifth third insulted my intelligence with this unreasonably low offer. Furthermore, I believe this to be an act of discrimination based on my race and the purpose I disclosed for the line of credit request.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I was approved for the chase credit card with a balance transfer offer. I received the card. My balances have transferred over. 2 months later, I received an email that my account is going to be closed with no explanation And that I would receive a letter shortly. I contacted chase and spoke with a representative. They were unable to provide me with an explanation.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2024 I was charged XXXX when it should have been XXXX. I disputed this with Capital One but I only have a receipt for what I was charged not what I should have been. This is insane as this amount in XXXX is more than my entire trip cost.
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (GA)

Experian has shown blatant disregard for the FCRA. I have sent numerous correspondence requesting that two fraudulent entries on my credit report be blocked under FCRA Section 605B. My first try the credit bureau listed the fraudulent entries as verified. Upon my second notice, I was notified that the dispute did not come from me and it did. I tried to reach out to Experian to confirm I was in fact the person who sent the correspondence but I was rudely hung up on. I would like to add I include my identification documents each time I send letters to a consumer reporting agency.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-04-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

I don't recall having a contractual relationship with this collection company SUNRISECRED. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.