davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (NC)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-01-08
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. (NY)

I previously notified you that I am a victim of identity theft, and Equifax responded that they verified that fraudulent items belong to me. How is this possible? I would like to know how a fraudulent account can be verified, and when and how was it verified?
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NV)

Dear Consumer Financial Protection Bureau, I am writing to submit a formal dispute regarding inaccurate address information on my XXXX  consumer file, as allowed under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have identified several inaccuracies in the address, phone, and email details, which are adversely affecting my ability to ensure the correct and timely delivery of important correspondence. I have attached my original letter as well as the XXXX drafted today.
Consumer complaint received 2020-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

on XX/XX/XXXX I received a letter from the Superior Court of New Jersey stating that Portfolio Recovery Associates LLC from was suing me for {$2000.00}. I have no clue who this company is. 

On XX/XX/XXXX I sent via certified mail with return receipt to Portfolio Recovery Associates and The Superior Court of NJ : I included my answer in response to the law suit, along with a request for the debt to be validated pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ) I asked for them to provide me a copy of my  signature on a contract or document that holds me responsible for the alleged debt. As well as asked them to send me proof that they are licensed to collect a debt in my state. 

In response to a previous request for validation, I received a letter dated XX/XX/XXXX In which Portfolio Recovery sent a letter from XXXX XXXX saying the above debt had been sold to Portfolio Recovery Associates on XX/XX/XXXX. I then received a letter dated XX/XX/XXXX which was a bill. Most recently on XX/XX/XXXX I received the same letter from Portfolio Recovery which included the letter from XXXX XXXX saying that the debt had been sold to Portfolio Recovery AssociateXXXX on XX/XX/XXXX. They did not provide a contract with my signature or anything else requested above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts that they are trying to collect on or post on a credit report. They have not shown any proof and this is why I am filing a complaint against them for failing to follow the law.
Consumer complaint received 2019-02-14
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. (OR)

credit Bureaus are inaccurately reporting my bankruptcy as dismissed. Bankruptcy was Discharged in XX/XX/2012, Credit Bureaus have said that the Bankruptcy court told them my case was dismissed. Bankruptcy Court told me they did not talk to the Credit Bureaus
Consumer complaint received 2020-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

Shellpoint is my mortgage company and in XXXX I received a letter advising that they needed an updated HOA insurance policy from my Condo Association Board. I contacted the Assoication and that same day ( XX/XX/2020 ) they faxed the HOA insurance page to Shellpoint and emailed me a copy of the successful fax cover sheet. On XXXX XXXX I received a letter from Shellpoint advising me they did not received the HOA info. I called Shellpoint and spoke to a representative who advised me they did not receive the fax and to resubmit which I did via email. The end of XXXX I received another letter from Shellpoint stating they still did not receive the document. I called again and was advised to upload the docment directly into the Insurance dept. website, which I did. Today I received a letter from Shellpoint advising that effective immediately I was being charged {$1400.00} for the month of XXXX for lack of insurance coverage! I went onto the Shellpoint site to stop my auto payments until this is resolved & Shellpoint would not allow me to remove my bank information! I called Shellpoint Insur. Dept. and was asked to leave my phone number and  they would return my call, I never received a call back.
Consumer complaint received 2018-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXX Bank to the major creditor reporting agencies in the amount of {$660.00}. 

Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested. 

Although the debt was removed from my credit file after the seven year derogatory reporting period in XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period. 

The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.
Consumer complaint received 2020-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OR)

XXXX XXXX has failed to respond to my previous letter requesting proper validation of an alleged debt the company claims that I owe. Not only has XXXX XXXX ignored my letter, but they continue to report this erroneous item as correct on my XXXX, XXXX  and XXXX  report. To make matters worse, on XX/XX/2020 I received a letter from Convergent Outsourcing , Inc. in regards to the same deceitful XXXX XXXX debt. Not only does XXXX XXXX continue to falsely report this item as an active collection on my XXXX, XXXX  and XXXX  reports, but now a collection agency is attempting to collect from me on the same debt. Per the FDCPA, this nonsense is highly illegal, and Im now entitled to pursue litigation with both XXXX XXXX and Convergent Outsourcing, Inc. if this false XXXX XXXX debt is not removed from my XXXX, XXXX  and XXXX report immediately.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

I recently discovered that I can have a freeze placed on my credit for free. I have gone to the major credit reporting agencies to do that. On Equifax 's website, I have to create an account before I can place a freeze electronically ( there's no way I'm giving my social security number over the phone and I'm definitely not printing it off and sending it through the mail service ). In order to create an account with Equifax, I have to agree to their terms of service, which, besides potentially changing at any time, require that I agree to Equifax selling my personal information ( see here : https : //www.equifax.com/terms/myequifaxterms/ ). This is not acceptable. Legally, Equifax is required to allow my to place a freeze electronically without charging me, correct? While not asking explicitly for legal tender, requiring me to allow them to sell my personal information is a cost to me and I believe violates my right to a free credit freeze. What can I do?
Consumer complaint received 2022-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with The Fair Credit Reportung Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602A states I have the right to privacy 15 U.S.C. Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

13 U.S.C. 1681c ( 5 ) Section states : no consumer reporting agency ma y make any consumer report containing any of the following items of information, other than records of crimes which antedates the report by more than seven ( 7 ) 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 the information is accurate.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc. (IL)

I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (IL)

I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
Consumer complaint received 2020-01-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (LA)

Every day for the past two months this company calls me at least six times a day day or night different numbers same company the amount overdue is {$60.00} Ive talk to these people Ive even told them to stop calling now I just block the numbers and dont answer nothing works they just called me from a new number
Consumer complaint received 2021-09-06
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. (CT)

TRANSUNION IN ITS CONTINUOS VIOLATION OF MY GUARANTEED RIGHTS UNDER THE FCRA GUIDELINES HAS REFUSED TO REMOVE A STATEMENT FROM MY CREDIT REPORT WHICH IS UNAUTHORIZED BY ME EVEN AFTER SEVERAL REQUESTS BY MYSELF FOR THIS UNAUTHORIZED STATEMENT TO BE REMOVED BY TRANSUNION. THE STATE IS STATE AS FOLLOWS " Promotional opt-out This file has been opted out of promotional lists supplied by TransUnion. 
( Note : This opt-out is set to expire in XXXX ) The opt out on your file will remain in effect until the expiration date specified above, unless you request it to be made permanent. To permanently opt out of promotional lists provided by TransUnion, you must send us a signed " Notice of Election '' form, which can be obtained by writing us or calling us at XXXX and speaking with a representative. '' I DEMAND THIS STATEMENT BE IMMEDIATELY REMOVED FROM MY CONSUMER CREDIT PROFILE IMMEDIATELY. 
attached is a copy of my credit report and a screen short of the part in question
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX is reporting lates on accounts # XXXX & # XXXX that I should not have. My accounts were in forbearance and I should not have gotten any lates on them during that time. I would like them removed off of my credit file.
Consumer complaint received 2020-03-04
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. (CA)

please remove fraudulent accounts department of education/ XXXX opened XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX transunion is only company with this error ill submit XXXX  screenshot showing nothing from dept of education
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX is reporting lates on accounts # XXXX & # XXXX that I should not have. My accounts were in forbearance and I should not have gotten any lates on them during that time. I would like them removed off of my credit file.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2022-01-28
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: EQUIFAX, INC. (NY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-03-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NH)

My mortgage was sold from ocwen to phh one year ago at this time my mortgage was 1.5 months behind but I had a payment agreement. Due to graduating nurse practitioner school and a job transfer. The mortgage sold they were unable to locate it for 2 months. I paid 2 payments and it was applied to my escrow then called back to make third and was told they would only accept 3 months In full .. forced me to do a modification. Completed trial payments had to call ever week to get status now a year later they have my payments in holding my act reflects nothing paid my credit is shot and it takes four weeks calling every three days to be told they will put another task for someone to call me back. In turn no calls me calling numerous times to be told now they denied my forms cause they are not notarized. Confirmed my forms are In deed notarized they put in another task four more tasks later now they say my forms are not accepted cause notary used my middle initial. I just get run around and want to pay and fix this but cant insure my house is safe or where my money is going. Never mind get a straight answer from anyone on there staff after hours of hold times
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (WA)

I signed up for this Citi AAdvantage card on XX/XX/2019 with a promotional bonus offer of earning XXXX XXXX XXXX miles if I spend {$2500.00} within 3 months. 

I fulfilled the terms of the signup offer and Citibank issued the miles. 

Can Citibank please confirm that the miles were issued correctly, because XXXX XXXX is alleging that the bonus miles are not issued correctly and have therefore suspended my account. 

So I would like confirmation from Citibank on the bonus miles being correctly and accurately issued on their end so I can then get XXXX XXXX to lift the account suspension.
Consumer complaint received 2020-03-04
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: Nelnet, Inc. (CA)

please remove fraudulent accounts XXXX  XXXX opened : XX/XX/XXXX dept of education/nelnet  opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  is only company reporting this error
Consumer complaint received 2022-01-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (OH)

THIS IS NOT A DUPLICATE COMPLAINT THIS IS A HUGE ISSUE AT HAND. 

I have contacted AFFIRM numerous times to get assistance, once again Im hard of hearing. I cant understand whats being said on the phone, which I have stated and its well known. 
I have 8 loans left in Charge Off and by their own rules they should have gone to a collections partner by now. Their collections partners have had no issues with communicating through email which has helped me greatly and have been able to pay those off.

The charge offs are almost 1 to 2 months old. And they have yet to send them to their collections partners. Which has made it impossible for me to pay it because theyre demanding I call in, which would take complete advantage of my hearing issue and not understand whats being said. And having an agent demand I have a family member help is not acceptable. I am a XXXX veteran on top of this, so some help would be nice for a change. 
When I ask for help in messaging or emailing Im just told to call, it doesnt matter how many times I say I cant understand whats being said on the phone due to my XXXX.
Consumer complaint received 2020-03-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I sent a letter to each of the three credit bureaus ( Experian, XXXX, and XXXX  ) via certified letter my concern that inaccurate information was being reported on my credit report and that I would like it changed. Each bureau has failed to change the information so that it is correctly reflected on my credit report as you will see ( attached credit report ). This inaccurate reporting of information is against the law according to the Fair Credit Reporting Act and should be changed or removed immediately from my credit report. Also, this inaccurate reporting of information is hindering by ability to get the appropriate credit for housing for myself, my wife, and our XXXX children! Further, this lack of accurate reporting is limiting my ability to seek and obtain employment in my chosen field. I hope at the end of your investigation we are able to get these ongoing inaccuracies remediated.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Dave Operating, LLC (CA)

Card appeared in the mail in my name without my request or knowledge. Contacted company and can not get a live agent on the phone. Refuse to activate card in order tot talk to an agent. Want account closed due to fraud. Unsure how account would be opened as i have an active freeze on all credit agencies.