davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX I need some help to remove some fraudulent addresses off my credit. The address above is my current and only address. All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX I have several numbers on my credit file that do not belong to me as well please delete/remove the following numbers : ( 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 2019-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This is a complaint from XXXX XXXX against Portfolio Recovery Associates for Portfolios failure to provide requested information for the debt alleged. Portfolio has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, Portfolio responded with a short paragraph of information on the debt ( attached below ), but none of the requested documentation, including a chain of title showing ownership of the debt by Portfolio. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to  act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2022-04-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I applied for a HELOC loan through Golden 1 in late XXXX. I was conditionally approved, and then was told that they were using 1 % of my XXXX  loan debt to calculate my income to debt ratio. They indicated that I needed to obtain a letter from my student loan company which explicitly states that I am on an income based repayment plan, and what my payment would be once the federal pause is over. I obtained this letter and they again denied the loan, stating that they do not accept income based repayments.
Consumer complaint received 2019-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

XX/XX/2017 I received a copy of my credit report and it had a account from XXXX XXXX listed on it with a balance of {$840.00} ; account # XXXX, I immediately disputed this charge as fraud and has had no success with it being removed from my XXXX credit report.
Consumer complaint received 2023-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (FL)

XXXX and Experian continue to furnish a negative item on my consumer report. I have sent a certified letter to both parties requesting my wet signature on the contract that states that I will pay the debt that's in question. It's well past 30 days, I haven't received requested items. I demand deletion IMMEDIATELY!!! In the letter I sent it clearly state if XXXX Continues to report negative item after receiving the cease and desist letter, that damages are owed. I continue to receive a email from Experian that XXXX promise that the account belongs to me, but haven't sent the requested items. My rights have been VIOLATED 15 USC 1692 and 15 USC 1611. Also if account has been charged off, that debt has been paid which means the account is canceled. 18 USC 8. With the help of the CFPB I With move forward with seeking damages. I continue to be ignored. I will use all complaints with the CFPB to hold everyone accountable. Please see the attached letter that was sent. Account that's in question is unsecured loan opened on XX/XX/20, account number XXXX. Account number used in the letter was from XXXX, but letter was certified sent to XXXX and was received.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to XXXX XXXX XXXX XXXX XXXX if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I refinanced back in XXXX with Home Point Financial at which time a deed of trust ( XXXX XXXX Courts, Maryland ) in Book XXXX Page XXXX with HUD in the amount of {$91000.00} was paid with the proceeds of that loan. When Bank of America , N.A . did a modification in XXXX they did not property file documentation with HUD so when HUD released the lien, they released the initial partial claim lien and not the lien for {$91000.00} that was filed on XX/XX/XXXX ; which originated on XX/XX/XXXX, signed on XX/XX/XXXX. We need a release in order to file secondary financing.
Consumer complaint received 2022-12-12
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. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 XXXXXX/XX/2022 ; XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This is week 2 and I am still asking Experian ( the Special Handling person XXXX XXXX has still to contact me ) concerning getting the information accurate on the Experian Report. 
I am attaching the correct info with balances from the companies. 

I am closing on a loan to pay off and lower intersest on these synchrony high interest rate cards/loans. 
please use this info to update. 

my credit scores dropped XXXX points in one day from XXXX to XXXX still good but why? 
i have not opened credit and i have paid down the cards etc. 
Let me know.
Consumer complaint received 2019-01-17
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. (FL)

s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC. (AR)

First of all, OLLO arbitrarily and capriciously placed a hold on my account, according to XXXX or similar name thereabouts when I called on XX/XX/2023 @ XXXX @ the security department, states in essence, they believed there was a possible fraudulent charge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, knowing how fraud works and was a part of the international credit card investigators association and knowing the master contract with XXXX XXXX, this entity needs to make necessary and proper notification, and failed to do so, and just arbitrarily and capriciously placed a hold without so much as sending an email to verify said transition which happens to be about {$520.00} or so to a wigs.com. This charge was in fact true and genuine. 

Since XXXX was a customer service rep and obviously not schooled in investigations, she was not professional in answering my questions, why a hold and what notifications did they in fact do in any " due diligence '' to ascertain if the charge was legitimate or not, so not I have sustained damages and emotional infliction of emotional distress when I tried to charge {$1.00} for a simple RX i needed and card was declined. Evidentially this charge evoked a hold for over two weeks now. 
Not even a letter or any official snail mail notification was sent out which is part of a " due diligence '' procedure to hold entities such as OLLO as per contract with XXXX XXXX international as they must adhere to certain rules and procedures to maintain a contact with XXXX XXXX to keep using their services and to issue cards in the first place. 

Thus I am alleging, negligence, in how OLLO conducts business and their record keeping and how they fail to adhere to XXXX XXXX XXXX XXXX when dealing with their customers. 

Thus, we will be filing a small claims case against above for negligence accordingly and IIED against their customer ( XXXX ). 

We suggest XXXX write paper and everyone involved in the paper chain, substantiate their role in this when I comes to justification in court. 

XXXX 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
Consumer complaint received 2022-04-23
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. (GA)

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX -XXXX XXXX : account number XXXX -XXXX XXXX : account XXXX XXXX XXXX XXXX XXXX XXXX : XXXX -XXXX XXXX XXXX : XXXX -XXXX XXXX XXXX : XXXX 15 U.S. Code 1681 section 602 ( a XXXX states that I have to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions,
Consumer complaint received 2019-01-17
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)

On XXXX I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My husband and I settled on a XXXX XXXX new construction on XX/XX/XXXX. During settlement we were told our mortgage will be sold within 30 days. On XX/XX/XXXX we received a letter from XXXX XXXX that our mortgage was sold to XXXX XXXX   company. On XX/XX/XXXX XXXX reported our mortgage loan to the credit bureaus. Even though our loan had already been sold, and payments were supposed to go to XXXX XXXX. XXXX XXXX   reported the loan as Open and current status. Again our loan had already been sold. on XX/XX/XXXX. XXXX XXXX Mortgage report the loan to the credit bureaus as an open account and current status with them. on XX/XX/XXXX XXXX XXXX  reported the loan to the credit bureaus again. When my husband and i pulled our credit reports, we now have two open mortgage loans on our credit report ( one loan {$470000.00} and {$470000.00}. This is totaling a loan debt of {$950000.00} ). Both of our credit scores have dropped a combined 59 points. I have contacted our loan processor and settlement processor via email and voice message, and they have not responded. I have one mortgage loan, not two. My mortgage loan is with XXXX XXXX XXXX not XXXX XXXX XXXX. I have requested for XXXX to report to the credit bureaus that my loan account with them is closed and they no longer have my loan. Nothing has been done.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX, I sent XXXX package via XXXX XXXX {$130.00} Please send me copy of receipt the adressee signed for package
Consumer complaint received 2019-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

Behind on Loan 3 months. My Father has a hardship of health problems. He had XXXX XXXX XXXX this past XX/XX/2019. Was in the Hospital for 1 month he could no longer work. My Parents receive XXXX dlls in SS income my Brother that is a XXXX. in XXXX Idaho helps with XXXX dlls per month. The Loan is with Planet Home lending. Called Bank asked them to help with the late payments of the loan to make them current. They have denied help and wont take to consideration my Brothers XXXX dlls help each month. The reason he dose not live at the property. He dose visit them every weekend. Please help this is the first time my perants are asking for help. They do not want to loos there home.
Consumer complaint received 2019-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (FL)

I have an Apple Card issued by Goldman Sachs. On Friday XX/XX/2019 I disputed a transaction that was pending from XXXX. I did not approve this transaction, and XXXX couldn't give me any information on the order. Immediately after I disputed the transaction my card was restricted. meaning I can not use the card. When asked about this restriction I was told that it is restricted, no further information is available ' and i'll have to wait for a phone call and they don't know when it will occur. 

It is now 2 weeks later on XX/XX/2019 and the account is still restricted with no end in sight. Customer service is still unable to assist in any way. 

Additionally, they refuse to close the account despite repeated requests.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

IN ACCORADNCE IN THE FAIR CREDIT REPORTING ACT. THE LIST OF THE ACCOUNTS BELOW HAS VOLIDATE MY FEDREALLY PROCTECTED CONSUMER RIGHT PIRVACY AND CONFIDENTAILY 15 U.S 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C1681 SECTION 602 A 15 U.S.C 1681SECTION 602 SECTION 2 15 U.S.C 1681C. ( A ) ( 5 ) SECTION 15 U.S.C.1681S-2 ( A ) ( 1 )
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (FL)

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX TD/XXXX XXXX To Whom It May Concern : Please be advised that I have received your correspondence dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

After carefully looking over my credit report I ran across several items that are reporting incorrectly on my credit report. I then called Experian and they refused to remove the items because they claim a creditor is reporting it that way. But I told them it is incorrect and they refused. I even went online and disputed this with Experian as well and it will not give you the option to dispute on their website because they are claiming these items are reported. they are reporting inaccurate, unverified, untrue information on my credit report. Causing severe damage, stress, and mentally draining me. I am attaching my letter to this claim that I have submitted to Experian as well.
Consumer complaint received 2023-05-11
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. (CA)

Hi there, I have had issues with Trans Union not accurately reporting positive activity on my account. 

My score dropped XXXX for 1 late payment and when I made a payment to catch up on the payment it was immediately not shown positively on my account. I also noticed this for XXXX too. I should have gotten points for paying down my credit cards which still shows that the cards were not paid down. And I should be given positive points added to my credit score reflecting this because I am working on building better credit so I can have fair housing. 

I also noticed that XXXX did the same thing I paid down 3 different credit cards and positive activity was only given for one card. And for Transunion no positive activity was given. Not having my positive paying reflecting on my credit does not allow me to have fair housing opportunities because of a low score when I hardly have credit and is making efforts in paying down debt to receive positive score.