davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I recently reviewed a copy of my consumer report and noticed Portfolio Recovery Associates ( PRA ) is furnishing negative and derogatory information. 

I have communicated to PRA multiple times to cease and desist use of my identifying information and any other personal information PRA may have on file or record about me PRA has failed to comply. 

I did not give PRA written and direct authorization to possess, use, transfer or sale my identifying information and upon becoming aware PRA obtained my personal information I advised PRA to immediately cease and desist use of my identifying and any other personal information.

I also advised PRA to cease and desist infringing on my right to privacy and that any further attempts to invade my privacy will not be tolerated and PRA has failed to comply. 

I have no contractual obligation or agreement to pay any money or its equivalent to PRA. PRA is attempting to unlawfully collect a debt from me and violating my rights as a consumer. 

PRA 's conduct is causing direct harm to my character, credit worthiness and general reputation. 

Any further attempts by PRA to violate my rights as a consumer will not be tolerated and by sending this notice, I do not waive any rights to take action against PRA for past or future violations of the law. 

Any computer generated or unsigned responses will not be tolerated. 

A third party, legal counsel and/or attorney in fact was not used in the making of this complaint. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true. Executed 6-2-2022 B : C-E All inalienable rights reserved. Without Recourse
Consumer complaint received 2021-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

The credit score is based on outdated and incorrect data and drops drastically instead of increasing as it should based on facts. The credit limits they show is wrong, the balances they show is incorrect and the usage is incorrect. When you attempt to dispute the facts they do not offer direct means. I have documentation showing they are wrong and have unfairly treated me.
Consumer complaint received 2022-06-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (AZ)

During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new 2022 vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit le. I pulled my XXXX, XXXX, and XXXX credit les and found that someone has been using my identity to obtain credit from several creditors. These creditors include Goldman Sachs Bank ( {$20000.00} ). I have filed an Identity Theft Affidavit.
Consumer complaint received 2022-06-02
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: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing in XXXX XXXX XXXX, UT illegally accessed my XXXX credit report ( see details below ) at least 7 times in at least violation of ( i ) Federal Bankruptcy, ( ii ) Federal FCRA ( XXXX ) California Consumer and ( iv ) California Privacy laws. 

SELECT PORTFOLIO SERVICING XX/XX/XXXX SELECT PORTFOLIO SERVICING XX/XX/XXXX SELECT PORTFOLIO SERVICING XX/XX/XXXX SELECT PORTFOLIO SERVICING XX/XX/XXXX SELECT PORTFOLIO SERVICING XX/XX/XXXX SELECT PORTFOLIO SERVICING XX/XX/XXXX SELECT PORTFOLIO SERVICING XX/XX/XXXX
Consumer complaint received 2022-06-02
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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
Consumer complaint received 2021-09-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

I applied for a mortgage loan with Amerisave Mortgage Company ; they ran my credit report, using XXXX  for this purpose. They rejected my application for items that DO NOT APPEAR on my XXXX  credit report including : * Serious delinquency * Amount past due to accounts * Level of Delinquency on accounts * Number of accounts with delinquency. 

None of these exist on my credit report, though these were the basis for their decision. I take fraud seriously and I would like them review my application with my ACTUAL Credit report. There is only one negative item on the report, which I am disputing - a {$69.00} XXXX bill that was opened by someone else ( identity theft ). I reported the identity theft to XXXX and the Virginia Attorney General and XXXX accepted it. However a year later they resumed collections anyway. Again, a dispute has been filed with XXXX. However this does not fall into any of the categories listed above that Amerisaves listed as the " key factors that adversely affected your credit score ''.
Consumer complaint received 2022-10-03
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. (PA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-02
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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
Consumer complaint received 2021-09-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (FL)

My husband died in XXXX lawyers and Trustees left debt and in XXXX doubled that debt using a company call Fiserv Lending Solutions that changed the account numbers on XXXX account that was already fraudulently transferred to me as debt instead of paying it off. XXXX with XXXX XXXX XXXX XXXX used this service to produce documents, new debt of XXXX dollars with rights to sale my home out from under me. Fiserv Lending Solution reproduces new documents, debts and rights against homeowners for banks and lawyers. XXXX XXXX XXXX has a criminal record working in Nursing Homes till a death occurred but is still in good standing with the Florida Bar. He was my attorney writing my wills, XXXX XXXX and business attorney for XXXX. 
One day after death Mr. XXXX took all of our personal information worked with 25 % share holders to appoint personal representative and Trustee XXXX XXXX to open a fraudulent docket with a fraudulent power of attorney under his Mr. XXXX as the deceased before Probate Opened, as the deceased. He used these fraudulent documents to take over all of our personal, business accounts, credit lines and collected 3 life insurance policies and all investment accounts and property. 
Using four dockets and rotating judges Mr. XXXX and XXXX XXXX whom I hired to protect me and my children was able to hide a criminal paperwork with many orders not signed off by a Judge, I will send docket to show this Racketeering. They produced more fraudulent documents and accounting split the estate and named themselves as Trustees and beneficiaries excluding me entirely and cheating my children of their inheritance as well. I am including documents that XXXX wrote of homestead protected and exempt in the hands of XXXX XXXX. Also included is a investigation by XXXX formerly XXXX that the loan I have been paying on does not exist. Also Fraudulent accounting that the credit line was a credit not a debt to me. Also the letter Mr. XXXX wrote to XXXX and Fraudulent debt and account transfers starting in XX/XX/XXXX to XXXX. Also all supporting documents that XXXX has been reopened. There are two civil cases one where Mr. XXXX was awarded legal fees. That case remains open because of procedural mistakes, due process and fraud. The Probate has been reopened for the same reasons and a Civil case in XXXX XXXX for Civil Theft and Fraud.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

On XX/XX/XXXX while trying to make a small purchase at XXXX, my debit card could not be used,,, i tried to use a second time and same issue. showed denied funds. i just thought it was the new price checkout.. got home after midnight on XX/XX/XXXX and tried to login to online banking at bmo harris, was denied entry many times... was never able to get it.. then a number appeared stating i needed to call, when i called the number, that recorded message said closed and gave hours available ... early the same morning i received a call from a XXXX at XXXX XXXX XXXX XXXX stating she was with fraud division at bmo harris bank , after numerous attempts to contact her and leave voice messages Inever heard from her.. contacted my local branch her in XXXX illinos and they also tried to contact her, they did mention a deposit made around 3 weeks ago for XXXX seemed suspicious and froze my money in both accounts .... the time the money was deposited, the money showed it was on hold and after many days was released to my banking account ... .why are they going after something 3 weeks ago and approved by bmo harris and now messing with me paying my mortgage and all my bills, i need my money as i have direct deposit thru my work there is no reason why I have to live without my funds
Consumer complaint received 2021-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Trans union continues to send in a email that has nothing to do with the investigation and removing the unauthorized inquiries they continue to give me the runaround. They also deducted 8 points from my credit report because I contacted cfpb even though I havent opened any new credit, closed any credit and has 100 % payment.
Consumer complaint received 2022-12-29
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. (UT)

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 updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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. (UT)

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 updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-04-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (AR)

My name is XXXX XXXX XXXX and in XX/XX/2019 I was interested in a property and I contacted by the realtor who could help through the process obtaining this property. I was directed to the XXXX XXXX XXXX in XXXX XXXX Arkansas to assist me in the process of financial assistance of getting this property. She asked me turned all the documentation and in hope that I would qualify a loan through this lender. As XXXX was approaching I made it my business to turn in all the documentation for this property so an offer can be made. Since the property had been vacant little over a year and no other persons had made any movement toward the property I was sure that I would have no issues in finalizing me getting into this property. This would not be the case several week turned into what is now XXXX and heard nothing from any party about the home or was there movement from the Mortgage Company about any request that was in getting the property in question. On XX/XX/2019 with no real concern in a group text just casual stated an offer has been made on the property who you like me to help you get into another home. I never thought this would be the issue, but here I am faced with the real situation why did you not help me obtain this home? Several months passed and not a single person contacted me to help me in the home buy process. The Same owner has another property near each other and the family moved in within a XXXX weeks and I am or was still waiting for assistance. I simply do not want to believe the pigment of my skin was the bias for this company not assisting me in the process of getting in this home. I would hate for that to the issue in 2019
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following 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 My only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (AZ)

During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new XXXX vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit le. I pulled my XXXX, XXXX, and XXXX credit les and found that someone has been using my identity to obtain credit from several creditors. These creditors include Barclay Bank Delaware ( {$5200.00} ).
Consumer complaint received 2022-06-02
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account number XXXX, XXXX XXXX account XXXX and 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
Consumer complaint received 2022-06-02
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. (AZ)

During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new XXXX vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit le. I pulled my credit les from XXXX, Experian, and XXXX and found that someone has been using my identity to obtain credit from several creditors. These creditors include the US Department of Education ( {$110000.00} for was looks like student loans ), XXXX XXXX XXXX ( {$20000.00} ), XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXXXXXX XXXX XXXX ( {$30000.00} ), XXXX XXXX XXXX ( {$5200.00} ), and XXXX XXXX and XXXX XXXX ( {$490.00} ). Also within my credit les, I found furnished information ( names, addresses, phone numbers ) that do not belong to me.
Consumer complaint received 2022-06-02
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX account XXXX and 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
Consumer complaint received 2022-06-02
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. (AZ)

During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new XXXX  vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit XXXX. I pulled my credit les from XXXX, XXXX, and Equifax and found that someone has been using my identity to obtain credit from several creditors. These creditors include the US Department of Education ( {$110000.00} for was looks like student loans ), XXXX XXXX XXXX  ( {$20000.00} ), XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXX XXXX XXXX ( {$30000.00} ), XXXX XXXX XXXX ( {$5200.00} ), and XXXX XXXX and XXXX XXXX ( {$490.00} ). Also within my credit les, I found furnished information ( names, addresses, phone numbers ) that do not belong to me.
Consumer complaint received 2022-06-02
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. (CA)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-02
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)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

My mortgage was recently transferred from XXXX to LOANCARE. Since the transfer I have not been able to access my online account and calls to them just get discounted. 
They continue to route me to various departments and I am placed on hold and then the call gets disconnected. 
Also, I had requested information on a forbearance and was immediately placed into one despite only asking for information about the terms. I did not agree to be placed in forbearance.
Consumer complaint received 2020-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of the Hudson Valley, Inc. (UT)

Collection Bureau of Hudson Valley is double reporting on my credit file with XXXX XXXX. This is erroneous and needs to be removed off my credit. This is a violation of the FCRA