davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery Associates, LLC has been sending me notices in the mail for a few years now about a XXXX debt that is not mine. They keep saying they will be collecting {$76.00} from account ending in XXXX. The next payment is supposed to be XX/XX/XXXX of 2022 but the account is not mine because the debt is not mine. I filed a complaint already through this site years ago and I'm sick of getting the notices. I contacted them by phone and let them know I was not the holder of this debt but they are apparently too incompetent to actually collect the debt. Seems pretty important that a debt collection company would know how to actually collect the debt... .but that's just me.
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to first say this complaint is done by me and for me without the help of any additional party. I have been in contact with the credit reporting agencies XXXX, Transunion, and XXXX in regards to errors on my consumer report. I am requesting that they not only remove the listed accounts or inquiries but to permanently keep them removed. They have ignored my written instructions mailed to them on XXXX. Pursuant 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I require the following be removed and corrected... 
remove late payments from XXXXXXXX XXXX XXXX XXXXXXXX, remove invalid account XXXX XXXX and XXXX XXXX. Delete from my consumer report address listed as XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

Filed complaints about XXXX equifax and XXXX all 3 were asking for proof of who i am so i finaly sent all 3 a copy of my state id proof of address by social security mail from social security i happy to say XXXX finaly sent me my credit report but equifax an XXXX are still asking for more proof and refusing to send me what they have on my reports what i sent i sent to all 3 credit companies it was good enough for XXXX why not the other two agencies?
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been wrongfully denied a mortgage relief modification under HAMP by Bank of America on at least 2 occasions both in XX/XX/XXXX. The reason they stated for denial is because alleged Investor Owner to my mortgage is XXXX XXXX by way of a merger with XXXX Bank who allegedly received an assignment of the Deed of Trust in XXXX. Apparently XXXX XXXX DOES NOT participate in HAMP and thus BOA can not offer or grant my modification. My research on the XXXX online system shows that the mortgage is owned by XXXX not XXXX XXXX who received an assignment fraudulently executed by a person named XXXX XXXX who falsely claimed to be an employee of XXXX as a Assistant Secretary when in fact she is actually an employee of Bank of America in XXXX, XXXX. XXXX never held or possessed the legal capacity to sign the assignment that was recorded against my property. This assignment is based on FRAUD and False Statements. BOA is standing by its decision to deny my mortgage relief modification because XXXX XXXX does not allow it which is against HBOR in XXXX. 
Now they have a pending foreclosure sale date on XXXX XXXX, XXXX in an attempt to steal my family home.
Consumer complaint received 2022-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (MI)

I paid the final bill to XXXX XXXX XXXX, and apparently, as I was making that payment, they sent my owed balance to some caine & weiner collection agency who insists I still owe it. When I call progressive they act like the payment must not have been made because of the fact that it's with a collections agency.
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

Equifax, I just looked at my credit report and was shocked to see the numerous amounts of error you listed. I am writing to have you remove them immediately. 

The following accounts needs to be removed immediately. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX. Account XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX  Reason : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not.
Consumer complaint received 2022-04-12
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. (TX)

XX/XX/2022 In Accordance with Fair Credit Reporting act XXXX Account : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has Violated these laws : 15 U.S.C 1681 Section 602 ( A ). States I have the right to privacy.

15 U.S.C 1692 ( C ) ( A ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, 15 U.S.C 1692 ( B ) ( 5 ), not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S.C 1681 Section 506 ( A ). Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681a., report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please note by law that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I'm keeping a careful record of your actions, including your Method of verification. I do not consent to E-Oscar or any means of automated verification. If you can not verify within the 30 day time period, you must delete all accounts from my report.

-Please remove all accounts that are not METRO TO COMPLIANCE.

-Please add a professional Suppression to my credit file.

Failure to respond satifactorly within ( 30 ) days of receipt of this letter may result in small claims action against your company.

seeking {$5000.00} per violation for : 1. ) Defamination 2. ) Negligent Enablement of idenity fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury
Consumer complaint received 2021-05-16
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. (LA)

My credit score went from XXXX to XXXX, with no cause. Now I am seeing XXXX XXXX with old bills dated as far back as 2009, I have repeatedly tried to speak with them. Because they think I don't know what I am talking about they refuse to take me serious. Those negative accounts should be taken off my credit report because there is no validity in them. I have yet to receive anything in writing about the reporting agency and the credit bureaus are ignoring my letters and keep sending me credit report that has a lot of jumble nonsense to go through with no intentions of removing the negative reporting agency.
Consumer complaint received 2022-01-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I had money in my tether account bought from US dollars that was stolen from a scam. The website is XXXX and I have seen a lot of other people were scammed also by them. They took {$120000.00} out of my coinbase wallet and now are demanding that I pay capital gains taxes upfront of {$56000.00} to get my money back. I have everything paper trailed, filed a police report, a complaint to the fbi, notified tether and coinbase asking them to freeze the wallet addresses of those who stole from me. I haven't gotten anywhere. Please help there are many more of us.
Consumer complaint received 2023-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST PORTFOLIO SERVICING INC (FL)

I disputed this on my credit a few times. The first time I made email contact was on XX/XX/2023 requesting an itemized bill, validation of debt with my signature and a fraud packet. They responded on XX/XX/XXXX by XXXX XXXX telling me I would receive a separate email with the fraud information on it. I responded back on XX/XX/2023 letting them know I have still not received it and my credit has been opened the are still reporting. I sent another email today letting them know I still haven't received anything that I requested and they are still reporting to my credit. I've requested and requested and have not receive any information and they are having a negative impact on my credit. I'm trying to clean up my debt that is reporting but I refuse to pay for something that isn't mine. 

Please help me. Thank you.
Consumer complaint received 2018-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (GA)

My mortgage was purchased by Arvest Central Mortgage Company, after purchasing my loan they ordered gap flood insurance on my behalf at a significant annual cost to me. The company never reached out about this situation. 

My flood insurance is paid for by my HOA and is an NFIP flood policy for 100 % of replacement cost. 

I have called 3+ times about this issue and each time they have told me that it is the companies practice to require flood insurance at the minimum of $ XXXX or the loan amount. 

Per the FDIC An institution must ensure that the minimum amount of flood insurance covering the condominium unit is the lesser of : the maximum amount of insurance available under the NFIP which is the lesser of o the maximum limit available for the residential condominium unit, or o the insurable value allocated to the residential condominium unit which is the replacement cost value of the condominium building divided by the number of units. 

I am lucky to have a background that has exposed me to mortgage requirements but it is scary that no one at this company can refer to national lending requirements. 

Your help is greatly appreciated.
Consumer complaint received 2017-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

There is a public records on my credit report with XXXX stating that I had bankruptcy that is being reported in error. I 've contacted the furnisher listed on my report using the address that they have reported to verify my account, but the letter returned to me as " not deliverable ''. 
I then contacted XXXX and informed them that they are reporting erroneous information on my file. They 've responded as " verified '' and information remains. XXXX continues to report false information. 
I 've also contacted the organization that XXXX claimed they verified the information from and they have not responded to me. 
This is very damaging to my credit and I I demand this furnisher be removed from my file that they are reporting. It is hurting my credit. I get no verification authenticating that this account belongs to me. 
I 've attached my initial letter I 've sent XXXX along with the response they 've given me of my dispute. It does not makes sense to me to keep information in my file that do not belong to me nor if I ca n't verify with the furnisher of validation that this account does indeed belong to me.
Consumer complaint received 2022-01-28
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: CARD Corporation (VA)

on XX/XX/XXXX, I made a purchase for {$280.00} to XXXX online. I found out that this company was a scam when I did not receive items that I had paid to delivered in 2 days, unable to contact the merchant and no merchandise received. I started a dispute with Card.com on XX/XX/XXXX. I called Card.com on XX/XX/XXXX and was told that they found no error, and closed the case not in my favor. I asked for proof of investigation into the merchant, as I could not reach the merchant. The phone number and email addresses on the website are not valid. Were they able to reach the merchant? Were they able to obtain any sort of tracking for my merchandise? I do not feel they investigated into my claim because they would have acknowledged that I was a victim of a scam.
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

We are behind by 1 day on our personal loan from Onemain Financial in XXXX Pennsylvania. They call myself, my wife, and my mother ( whom does not live with us ) normally 20 times or more per day each. They have been doing this for four months now. They use multiple numbers, we have asked for them to stop harassing us they always get their money it 's never more then 21 days late ( 1 time ) mostly 7 days late, because they do n't allow us to change our due date. We make our payment which is supposed to be {$240.00} but we pay {$250.00} to allo {$4.00} to go towards the principal. He keeps telling us we are two months behind, however we are not. The calls start the day the payment is due and continue until the payment is made. We have had legal action threatened against us for being 1 day late! He told me that there was a {$7.00} charge that causes their system to assume we are 2 months behind but since we pay {$4.00} more every month that charge should n't exist. It 's more then a " system '' thing they physically dial the numbers and intentionally harass us because we do n't answer their numerous calls after we tell them when we will make our payment A date and time is given but the calls keep coming 20 or more times per day each.
Consumer complaint received 2022-04-12
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. (TX)

XX/XX/2022 In Accordance with Fair Credit Reporting act XXXX  Account : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has Violated these laws : 15 U.S.C 1681 Section 602 ( A ). States I have the right to privacy.

15 U.S.C 1692 ( C ) ( A ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, 15 U.S.C 1692 ( B ) ( 5 ), not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S.C 1681 Section 506 ( A ). Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681a., report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please note by law that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I'm keeping a careful record of your actions, including your Method of verification. I do not consent to E-Oscar or any means of automated verification. If you can not verify within the 30 day time period, you must delete all accounts from my report.

-Please remove all accounts that are not METRO TO COMPLIANCE.

-Please add a professional Suppression to my credit file.

Failure to respond satifactorly within ( 30 ) days of receipt of this letter may result in small claims action against your company.

seeking {$5000.00} per violation for : 1. ) Defamination 2. ) Negligent Enablement of idenity fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury
Consumer complaint received 2024-02-14
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. (OH)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On XX/XX/2021 I sent a letter regarding inaccurate n suspicious things on my report to this day it has been over 45 days without any response received I am being ignored of my rights and is under complete stress caused by this failure to comply section 611 ( a ) clearly states failure to investigate these erroneous items on my credit report within 30 days leads to these items being removed immediately or I will file for litigation due to the emotional scrutiny and discomfort my information was also impacted by the XXXX data breach and TransUnion data breach and may have reached the hands of a fraudulent person
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On or around XX/XX/2022 I submitted a dispute to TransUnion about incorrect information on my credit report. Instead of processing my dispute as ordered by the FCRA, they threw my dispute away. They sent me a letter stating that it looked like a third party or credit repair company sent it. SO WHAT!!!! It is NOT illegal to have someone assist you are fighting the credit agencies and errors they report. It is NOT illegal to hire a credit repair company. They needed to process the dispute I sent in, I'm sure they see it was mailed from my zip code!!!
Consumer complaint received 2022-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY (IL)

I received an automated call on XX/XX/22 from XXXX. The recording said that if I didnt press 1 to speak with someone to take care of the matter, they would contact my employer to garnish my wages and would contact the local sheriff. 

I pressed 1 to speak with an agent as the recording had requested. 

I was connected to someone named XXXX, who identified himself as being from the Legal Department at XXXX. He stated that he was looking for XXXX XXXX. I informed him that there was no one here by that name, and that they have been informed of this before when they called looking for XXXX XXXX. He then asked me what my name was, so told him that I had no legal obligation to provide him with my name. 

He then told me that if I didnt provide my name, the calls would not stop.
Consumer complaint received 2022-01-28
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE