davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Its been years that I have been going back and forth with portfolio recovery over this account. They are damaging my credit file and its been hard for me to obtain credit because of this account. This time I am exercising my federal rights as a consumer. The documents enclosed will show proof that this company been in violation. 
1. They are violating my privacy according to 5 USC 552a.

2. I marked up where they state that I owed the debt, they are in violation of 15 USC 1692b ( 2 ) 3. They use their LOGO that I highlighted they are in violation of 15 USC1692 ( 5 ) 4. violated 15 USC 1692f ; Unfair practices attempting to collect an ALLEGED debt 5. violated 15 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 
6. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt )
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IN)

Comenity Bank called me 10 times within an hour span I spoke with the supervisor and she stated she only sees two calls those two calls were within 10 minutes apart. They are calling from an Ohio number as well as a private number. I spoke with XXXX ( XXXX ) who was rude and told me there was no one I could speak to and I had to send a letter to a XXXX XXXX XXXX I advised them I did not want to be contacted by an automated dialer. Yet I was still called on my cellphone by a dialer they stated they could not see how many times the dialer called me.
Consumer complaint received 2023-01-05
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. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX had 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 cannote furnish a 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 seven 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 inaccurate.
Consumer complaint received 2023-01-05
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. (AZ)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX Account XXXX : XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2022-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was taken advantage of, while several laws were being broken under the FCRA by your company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company
Consumer complaint received 2023-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

I am the representative assigned for the XXXX XXXX  XXXX XXXX. She purchased a condo on XX/XX/XXXX. She died XX/XX/XXXX without funds in the estate. 

Her mortgage was originally with XXXX XXXX. It was foreclosed on and sold at a XXXXXXXX XXXX  sale XX/XX/XXXX to XXXX XXXX XXXX. 

Some months after the foreclosure and sheriff sale, I started receiving calls and emails from Selene Finance concerning the property that had already been foreclosed on by XXXX XXXX. 

I informed them on several occasions that XXXX XXXX had already foreclosed and the property had been sold at the sheriff sale. I told this to more than XXXX person in more than XXXX department. 

I continued to receive notice of monies charged to the account ; taxes, insurance, attorney fees, inspection fees, etc. They could not possibly have inspected as the property had been sold months prior. 

I referred them to XXXX XXXX and their attorneys who had done the foreclosure and to the public records where the deeds were recorded. 

On XX/XX/XXXX, Selene Finance sold the property they didn't have a right to at a trustee 's sale to XXXX XXXX XXXX and XXXX XXXX XXXX. This was done on their behalf by attorneys XXXX XXXX XXXX and XXXX XXXX of the XXXX XXXX XXXX
Consumer complaint received 2020-03-03
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. (CA)

I am a XXXX  XXXX Veteran with a VA mortgage with XXXX XXXX. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by XXXX  insurance department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted XXXX  and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for temporary housing in the interim and replacing everything in the interim. We were approved for a special forbearance plan effective XX/XX/XXXX that suspended all payments for 7 months and were directed that if more time were needed to submit a letter with the request. Prior to and after the approval we were asking XXXX  staff how the loan would be reported if we were approved for a loss mitigation plan and were told that XXXX  would report that we were in a payment plan due to a disaster, but once the plan was in place XXXX  has only been reporting that we are in default and not that there is a approved payment plan in place and agreed to due to the disaster we experienced. As its being reported presently, it looks as if we are simple not paying our mortgage. 

Ive contacted XXXX  multiple times since XX/XX/XXXX to discuss how they are reporting to the bureaus, requested that they amend and/or correct the information and Im not getting answers or responses to my requests and questions.
Consumer complaint received 2020-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

Had XXXX  for my mortgage company for years, then all of a sudden XXXX of 2017 get a letter saying my new mortgage company was Nationstar, then come to find out they cancelled my insurance gave me a credit for the insurance, got insurance again on the home, then kept doing an analysis on my loan and kept upping my payments saying there was a shortage on escrow, this has been an on going issue, and now this time they cancel my insurance and put force insurance on my loan and only covers enough for my loan which doesnt even give me anything to rebuild, how can they cancel the insurance and put the other insurance on.
Consumer complaint received 2020-03-11
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. (AR)

I wanted to start building my credit because I am getting close to the age were I am going to start wanting to purchase big things. I been applying for several different credit cards and I been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for much items and the one credit card I had paid for it and had the account closed. I decided to pull my credit and there are a couple of unknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.
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: Experian Information Solutions Inc. (FL)

I HAVE SEVERAL ACCOUNTS IN MY NAME THAT I DID NOT OPEN I CALLED XXXX, XXXX  and Experian s. On XX/XX/XXXX, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a XXXX XXXX Veteran with a VA mortgage with XXXX XXXX. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by XXXX XXXX   department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted XXXX and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for temporary housing in the interim and replacing everything in the interim. We were approved for a special forbearance plan effective XX/XX/XXXX that suspended all payments for 7 months and were directed that if more time were needed to submit a letter with the request. Prior to and after the approval we were asking XXXX  staff how the loan would be reported if we were approved for a loss mitigation plan and were told that XXXX would report that we were in a payment plan due to a disaster, but once the plan was in place XXXX has only been reporting that we are in default and not that there is a approved payment plan in place and agreed to due to the disaster we experienced. As its being reported presently, it looks as if we are simple not paying our mortgage.

Ive contacted XXXX multiple times since XX/XX/XXXX to discuss how they are reporting to the bureaus, requested that they amend and/or correct the information and Im not getting answers or responses to my requests and questions.
Consumer complaint received 2020-03-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Arapahoe Motors (CO)

We went to Schomp Honda at XXXX XXXX XXXX XXXX CO XXXX to look at a vehicle they had posted on there website a XXXX XXXX XXXX, we test drove said vehicle and then talked to the salesman about the vehicle having no warranty he assured us that they had done a 125 point inspection and found that the head gasket had to be replaced and that there was no warranty due to that repair, but everything else had checked out ok. Within 2or 3 weeks the engine light came on, we took it in to be checked out by an outside auto shop and found out the problem was a bad engine that could not be fixed internal engine failure. {$11000.00} to replace then while they were finishing the inspection they said the 4 wheel drive system which is the  vtm was also going out along with the front and rear brakes that were so bad that we could have been in a very bad car accident, we were lucky that we took it in, and on top of that the cv joints and the struts were also shot bringing the total to about {$15000.00} dollars we contacted the dealer on XX/XX/122020 and they stated it was not there problem, they stated the car was sold as is. But what kind of a reputable dealer would put peoples lives at risk just to make money, then not even care. So the more i thought about it the more upset i got because now that they choose not to do anything about it, if i take this XXXX XXXX XXXX in to trade for another vehicle i am going to have to do the honest thing and disclose everything wrong with the vehicle and probably being stuck with about {$8000.00} worth of negative equity towards purchasing another vehicle. I then contacted the dealership again on XX/XX/2020 to try and resolve this matter by bringing back the XXXX XXXX XXXX and get my trade in money for my vehicle and my down payment money so i could look at another vehicle, again they turned me down and said they might consider taking the truck back but well below what i paid them for it and not receive any of my trade in allowance or my cash down money, stated thats not happening. This is why i am reaching out to you because they dont give a XXXX about myself or my wife just the money. This dealership should be put out of business and fined for the way they take advantage of people.
Consumer complaint received 2023-01-05
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2021
Consumer complaint received 2023-01-05
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. (NY)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-04
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: SYNCHRONY FINANCIAL (MN)

In XXXX of 2018 I filled out forms for a credit card at TJ Maxx. I have never used the card however. ( I still have the card in the original envelope it was mailed ). I have been extremely cautious about my credit. Months later I saw I had a derogatory report on my credit score. I learned this was from TJ Maxx so I went to the store to resolve the matter. I was told they had no information on me and no records that I owed anything. Unfortunately I believed them. I filed a dispute. Months later I find out it is still on my credit report and the amount is {$270.00}!!! I have never used the card. I have never received a bill. I have never received an email regarding a bill or purchase. I did not charge any purchases at TJ Maxx!! I do not know how this bill came to be on MY report or supposedly charged to MY card but it is obviously in error. How do I resolve this??
Consumer complaint received 2023-01-05
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. (OH)

I tried to apply for credit in XXXX of 2022 and was denied. I checked my report and saw 2 accounts that i have not done any business with. I have a card with XXXXXXXX XXXX XXXX For the amount of XXXX, i also have a account with XXXX XXXXXXXX on my profile for the amount of XXXX. I have not done business with either company and These 3 companies needs to be deleted off of my credit. THIS IS FRAUD
Consumer complaint received 2023-01-05
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: EQUIFAX, INC. (OH)

I tried to apply for credit in XXXX of XXXX  and was denied. I checked my report and saw 2 accounts that i have not done any business with. I have a card with XXXX OF XXXX For the amount of XXXX, i also have a account with XXXX  XXXX on my profile for the amount of XXXX. I have not done business with either company and These XXXX companies needs to be deleted off of my credit. THIS IS FRAUD
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I HAVE A BANKRUPTCY THAT IS INACCURATE. THE CREDIT BUREAUS SENT ME PAPERWORK THAT THEY VERIFIED THE BANKRUPTCY THROUGH A THIRD PARTY. 
TRANSUNION XXXX  XXXX  I HAVE PAPERWORK SHOWING I HAVE A SECURITY FREEZE ON ALL OUTSIDE PARTIES THAT REPORT TO THE CREDIT BUREAUS. THEY ALSO SAY THE BANKRUPTCY WAS VERIFIED BY THE COURTS. I HAVE PROOF FROM THE COURTS THAT THEY DONT REPORT TO THE CREDIT BUREAUS. ONE THIRD  PARTY IN PARTICULAR WAS XXXX AND MY FILE IS SUPPRESSED AND HOLD A SECURITY FREEZE. 



XX/XX/2020 XXXX ( OBTAINED FROM LOCAL, STATE, AND FEDERAL COURTS AS VERIFIED THROUGH A THIRD PARTY VENDOR, XXXX ) XX/XX/2020 TRANSUNION ( VERIFIED AS ACCURATE THROUGH THE COURTS ) XX/XX/2020 XXXX ( VERIFIED ACCURATE THROUGH COURTS FROM A THIRD PARTY ) XX/XX/2020 LETTER FROM COURTS ( DO NOT REPORT TO ANY AGENCY )
Consumer complaint received 2020-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dalty Acquisitions, Inc. (TX)

I received notification that my credit score dropped. Upon further review, there was a collections account listed on my report that I had no knowledge of. I called the XXXX XXXX XXXX and was advised that the account was sold to another creditor, who had no information for the alleged debt. This account was placed on my report with no validation of the debt and without any notification from this company I owed the debt.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (PA)

TRUIST BANK IS VIOLATING 15 USC 1692c attempting to collect of a debt owed or due or asserted to be owed or due to another to extent activity, I, XXXX XXXX XXXX XXXX have a signed contract or any agreement with Truist bank for XXXX also 15 USC 1692e False or misleading represntatives of any claims against XXXX XXXX XXXX XXXX any debt to Truist Bank
Consumer complaint received 2023-01-05
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 XXXXXXXX
Consumer complaint received 2020-03-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. ()

Dear sir, Reference my complaint no.XXXX dated XXXX against Chase Bank XXXX The bank had then submitted their reply which was vague and unsatisfactory. The bank used wrong account number to deceive and misguide so they can not be held responsible for releasing my inherited fund. They made it spiral and the report they had submitted was not accurate but flimsy. I had a time period of 30 days to submit my feedback but I did not submit any feed back and waited in the hope that the bank perhaps resubmit their clear report on my fund complaint. Eventually the time period of 30 days was passed but I did not see any changed report from them in the account. Some seven or eight months ago the Chase bank contacted me on my email saying that they could not come up with accurate and genuine position of my fund account because the bank had not get the fund register with the Federal Reserve so they wanted to send me my fund through a diplomatic means. I objected on this option and reiterated to let me have access my inherited fund account after activating which would have become dormant but they did not agree and again said to send XXXX dollar for a new account in my name to operate my inherited fund. 

I have all the documents and Chase Bank account statement when you will ask I will produce before you. My fund account statement bearing the account number was not mentioned in the report they had submitted to you. I have been since making request to the bank and to their CEO and Executive office. I am sorry to say that their Executive office have so far been negative and uncooperative and very active harassing me by far. 

I would very humbly request you to kindly intervene the matter again helping me to get access to my fund {$9.00} XXXX. 

Thank you very much in anticipation. 

Best regards, XXXX XXXX