davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (FL)

On or about XX/XX/XXXX XXXX XXXX initiated a consumer credit transaction with this COMPANY. The COMPANY took a wet, blue ink signature on the agreement and sent the consumer a copy via email. When I reviewed the copy I noticed that the signature was completely and visibly altered. I signed the name in a very specific way, adding the words " w/out recourse. '' That signature acts as an acceptance on my part under certain conditions. The COMPANY accepted the agreement and then altered the agreement which is completely illegal. There is also no 2nd party signature anywhere on the document. Also, Please note also that I was never provided with any notices of my right to rescind per TILA regulations. On XXXX XXXX XXXX XXXX notified company that he wished to invoke his right to rescind his signature entirely on application number XXXX and the loan agreement and mailed in a Notice of rescission via certified mail number XXXX XXXX XXXX XXXX XXXX. No response was ever received by the COMPANY. I have since sent a Demand for Validation and Proof of Claim and asking for an explanation as to the alteration of my signature and also why my Notice of recession was dishonored and ignored. That letter was sent via certified mail number XXXX XXXX XXXX XXXX XXXX. Once again, no response. 
That Notice was sent a 2nd time today on XXXX via certified mail number XXXX XXXX XXXX XXXX XXXX XXXX and this time was sent to the Corporate office intended for the XXXX XXXX XXXX. The Notice Contains it's own Self Executing Contract should the COMPANY wish to continue to illegally report this information to the consumer reporting agencies. 
For the reasons stated above the account should 100 % be closed but if not I am also demanding validation of the debt pursuant to 15 U.S.C. 1692g. The law is clear and the company officials know what is meant by truly validating a debt and providing Proof of Claim. The docs were to large to attach to this file but I am happy to provide them to whoever requests a copy.
Consumer complaint received 2023-01-31
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: DISCOVER BANK (CA)

In accordance with the fair credit Reporting act this creditor, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ann open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-13
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. (FL)

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-05-23
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: Experian Information Solutions Inc. (AL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX,, # XXXX, # 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 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Seterus, Inc. (FL)

I called seterus to set up a repayment plan for my mortgage. When I called I wasnt even past due. I specifically asked them if this will affect my credit they said no. Apparently they set up a form or repayment that I did t agree too. 
I tried for them to listen to my conversation with the representatives I spoke to. They keep mailing me the agreement. They reported late payments on my credit, my credit score went down over 50 points. This is fraud, if I knew it will affect my credit I will have made a completely different decision.
Consumer complaint received 2023-04-18
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: FORD MOTOR CREDIT CO. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 USC 1681 by reporting information with actual knowledge of even the slightest chance of errors. 
15 USC 1681 Section 602a states that I have the right to privacy. Ford Motor Credit has violated my rights. 
15 USC 1681 sec. 604a sec.2 : says a Consumer Reporting Agency can not furnish my account without my written instruction. I never gave my permission for this to be made public. 
15 USC 1681 c, ( a ) ( 5 ) states : No Consumer Reporting Agency may make any Consumer Report containing any of the following items or information : Ford Motor Credit is showing that I have five late payments. None of this is true. 
15 USC 1681c 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. I have notified Ford Motor Credit and the three major trade bureaus that this account belonged to my father, XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-01-20
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

On XXXX, received yet another notice as well as many telephone calls over the past months, Portfolio continues to harass me via phone and mail and refuse to cease and desist. I am now going to file legal action against them as well as join a Class Action suit against them. 

Since XX/XX/XXXX to present, I have asked them when they call to stop calling and also returning their notices to them demanding they cease and desist. 

XXXX -Called the XXXX number and spoke with XXXX at Portfolio stating that I am receiving notices and harassing phone calls from them and I want it to stop. XXXX stated it would stop.
Consumer complaint received 2022-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX card- XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX credit coll XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXXXXXX
Consumer complaint received 2022-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (TX)

Hello, I took the time to contact IQ DATA INTERNATIONAL at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX on XX/XX/XXXX via a debt verification letter in the mail. It is XX/XX/XXXX, and I had not received correspondence. I called them today, XX/XX/XXXX to see if they had sent a letter in the mail with the debt verification. They indeed proved that they did not. The representative I spoke to was very rude and started screaming and talking over me about a letter in XXXX. I explained to her that whatever debt she is alleging happened in XXXX has nothing to do with when I asked for debt verification in XX/XX/XXXX. I then let them know that not responding to a debt verification letter will prompt me to contact the CFPB. She continued to talk over me, got extremely upset because I kept referring to the debt as " alleged '' until they prove it via verification letter, and eventually hung up. I have a recording of this call.
Consumer complaint received 2015-04-17
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Portfolio recovery calls multiple times a day for a debt that is well over 9 years old. I have asked that they not call me at my place of employment and they continue to do so with the most recent being XXXX/XXXX/15 at XXXX. I would like for them to stop calling my place of employment.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (FL)

I entered into a predatory loan in XX/XX/2018. I walked into XXXX XXXX XXXX looking to purchase a vehicle. The salesman by the name of XXXX assured me he would assist me throughout the process. From the beginning of the process until the end my father and I was forced into an agreement without the proper information. The agreement was not explained in its entirety and everything the salesman told us was completely different from the contract. We expressed the concern to XXXX XXXX XXXX the very next day. They forced us out of the office and aggressively stated the right to rescind was not allowed. We had no knowledge of the federal law at the time. There were a multitude of malicious things that happened during our experience. My father was listed as the primary holder and me as the co-signer. We were never informed that during the process nor did we see that in the contract. The contract that was provided to us and the one received from XXXX XXXX was completely different. We were taking advantage of as consumers. XXXX  XXXX are contracted with a company that is doing bad business. As a consumer entering into a uniformed agreement. XXXX  XXXX had charged the account off without considering the violations that has taken place by the XXXX XXXX XXXX.
Consumer complaint received 2015-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen Loan servicing LLC took over our mortgage from IndyMac in XXXX of XXXX. IndyMac took our automated payment out on the XXXX of the month instead of the XXXX as scheduled causing an overdraft that snowballed. In the end we were {$980.00} overdrawn. 
We finally caught up 60 days later and began making our regular payments. We were assured that if we kept the account under 90 days late we would be fine. In XXXX of XXXX Ocwen put us on a modification plan without notice. I had turned down the modification earlier in the year as it added {$200.00} to our payment that we could not afford. In XXXX I sent the regular payment. It was returned at the end of the month for being less than the modification payment. This pushed us over the 90 day limit and Ocwen froze our account and would not accept any payment other than the full amount. 
In the interest of keeping our home we worked closely with Ocwen to bring the account current to no avail. In XXXX of this year we applied for a principal reduction through XXXX ( XXXX ) and were approved. In XXXX XXXX sent Ocwen {$27000.00} ( approx ) which Ocwen accepted and then sent us a notice that we were not eligible for their loan modification as we did not send all necessary documentation. We were then sent the monthly mortgage statement listing the XXXX payment and listing our new payment due on XXXX XXXX. We then received a new notice from Ocwen this month stating that our loan modification was approved and our payment was due on XXXX XXXX. 
I have made repeated calls to Ocwen and have gotten XXXX different quotes on which payment plan we have, the payment amount, and the due date. 
I also contacted Fannie Mae ( as Ocwen is their subsidiary ) for intervention and they have not returned my calls or made any move to correct the issues. 
Today ( XXXX/XXXX/XXXX ) Ocwen called requesting the documents to approve the modification plan! 
Their incompetence is beyond belief and is causing me undue stress and anxiety.
Consumer complaint received 2024-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  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, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-23
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. (FL)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX Balance {$940.00}
Consumer complaint received 2022-05-23
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. (FL)

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX  XXXX Balance {$100.00} XXXX XXXX XXXX Balance {$940.00}
Consumer complaint received 2022-05-23
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. (FL)

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX Balance {$0.00} MEDICAL XXXX Balance {$140.00} XXXX XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX XXXX {$940.00}
Consumer complaint received 2022-12-17
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'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXXXXXX Balance : {$230.00}
Consumer complaint received 2022-05-23
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: AES/PHEAA (KY)

Since viewing my credit report on XX/XX/22, I have noticed that the following credit reporting agencies have information listed on my consumer report not in accordance with the law : XXXX. 

XXXX has allowed multiple companies such as : FedLoan Servicing, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to all furnish late payments to my consumer report knowing it is a violation of federal law pursuant to 15 USC 1666b ( a ) and 15 USC 6821 ( a ) ( 2 ).
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

That on XXXX I receive a letter from Transunion showing XXXX Deleted accounts that I announced that was inaccurate. Also I informed Transunion to compensate me for each violation pursuant 15USC 1681a Accurate and Fairness of Credit Reporting. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Consumer complaint received 2022-12-17
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'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$230.00}
Consumer complaint received 2022-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act XXXX  act # XXXX has violated my rights. As have Capitol One Auto. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer getting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an open end cunsumer plan as late for purpose.
Consumer complaint received 2022-05-23
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: Jon Barry and Associates, Inc. (NC)

According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (SC)

This is my XXXX  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 an alleged fraud or extortion. 
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
Consumer complaint received 2022-05-23
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: AVANTE (NC)

According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt
Consumer complaint received 2023-02-07
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.