davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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: Paypal Holdings, Inc (NV)

After I noticed an alert from my reporting agencies saying there was an inquiry from Paypal on my report I immediately called their fraud department and spoke with an agent stating I didn't apply for credit with them and when I called all 3 times each agent said they would send me a letter stating it was fraud and I never received anything back with stating I gave them permissible purpose to pull my credit. I have disputed with the credit bureaus as well and submitted my identity theft report.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 an open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (GA)

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ENHANCED RECOVERY COMPANY plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$660.00}
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NM)

Billing Statement XXXX 2022 {$680.00} My Payments Money Order XXXX 2022 {$350.00} XXXX {$350.00} Total {$700.00} Total I Faxed these Money Orders to XXXX All faxes received Success. # 3 Payment {$350.00} XXXX, 2022 Instead I get Additional Billing Statement Total : {$1100.00} for XX/XX/2022 XXXX
Consumer complaint received 2017-09-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Feldman & Stern, LLC (IN)

The guy did not identify himself but as a legal issues. Started calling on XX/XX/XXXX.  Called several times and even called my minor son who is XXXX leaving harassing voice mails. When I had the chance to call back he was vary rude and used bad language for a professional and stated I waited to long to call back. I tried calling 3 days later and no recordings or answering system. Called next day and got him. He stated he could not accept me paying the bill in full in two weeks it had to be right this minute or he was turning me over to the courts and garnishing my wages or throwing me in jail. My husband called him and he did the same to him as well. Our bill was for XXXX and since I would not pay now then it would go to court and be over 1,500 with all of the fee 's involved. I mailed in a check for XXXX to the company they are getting the collections from and he said they would mail it back. He would not accept XXXX this week and the rest in 2 weeks. I contacted the company and they said they would cash it. Had to call XXXX XXXX to get the firms office to confirm the guy did work for them bc of how he went about it and how he threatens to do his collections. I have received no emails or mail just phone calls several times a day and rude voice mails.
Consumer complaint received 2022-08-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

My second mortgage loan is currently being serviced by Select Portfolio Servicing ( SPS ). The account is currently delinquent due to hardships relating to the Covid 19 pandemic. SPS is refusing to offer loss mitigation assistance or process a loan modification. They will not take in a standard loss mitigation package and process it accordingly. SPS is stating they will only offer cash for keys in order to avoid foreclosure proceedings. I am XXXX military veteran that has been offered loan modification assistance through my first mortgage with XXXX XXXX. SPS has stated that they will not offer the same loan modification assistance as XXXX XXXX, due to internal rules. SPS will not contact the VA regarding the Covid-19 refund modification, where the VA will pay back the alleged delinquency of {$11000.00}. SPS has also sent all delinquency and foreclosure information to XXXX XXXX XXXX, XXXX, OH XXXX, which is the wrong address. Therefore, I have not been notified per Virginia law 55.1-337. 
SPS is in violation of many CFPB laws relating to loss mitigation and loan modifications, primarily CFPB 1024.41. The rules listed below clarify the obligations of SPS ( see below ). 
1024.41 Loss mitigation procedures.

CFPB Rule 41 ( b ) ( 3 ) 1. Foreclosure sale not scheduled. If no foreclosure sale has been scheduled as of the date that a complete loss mitigation application is received, the application is considered to have been received more than 90 days before any foreclosure sale. 
2. Foreclosure sale re-scheduled. The protections under 1024.41 that have been determined to apply to a borrower pursuant to 1024.41 ( b ) ( 3 ) remain in effect thereafter, even if a foreclosure sale is later scheduled or rescheduled.
Consumer complaint received 2022-08-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX 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 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC. (NC)

I had secured a mortagage with my company of choice XXXX XXXX XXXX XXXX. As the time has come for closing XXXX XXXX want me to use their lender NVR mortgage company saying that i did not inform them in time If I used their mortgage they are going to charge me extra for going over the closing date.
Consumer complaint received 2022-08-30
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: CBC Companies, Inc. (PA)

I recently reviewed my consumer report and noticed some unauthorized accounts on my consumer report. INNOVIS ASSUMED a vital role in assembling and evaluating consumer credit and other information on me pursuant to 15 U.S. Code 1681 ( a ) ( 3 ). INNOVIS assumed the role WITHOUT my written permission nor consent. INNOVIS did not respect my right to privacy pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). There is a need to insure that INNOVIS exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. INNOVIS did not exercise their grave responsibilities. INNOVIS is unfair, partial, and disrespecting my right to privacy by reporting the current information INNOVIS have on file about me. INNOVIS NEVER HAD PERMISIIBLE PURPOSE TO REPORT ANYTHING ABOUT ME IN THE FIRST PLACE!! Pursuant to 15 U.S. Code 1681b ( 2 ) INNOVIS may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. INNOVIS HAS NO WRITTEN INSTRUCTIONS FROM ME TO FURNISH A CONSUMER REPORT ABOUT ME!! NOT ONLY DID INNOVIS HAVE NO PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT ABOUT ME, INNOVIS DID NOT HAVE MY CONSENT TO SHARE ANY NONPUBLIC PERSONAL INFORMATION ABOUT ME TO ANYONE. THE CREDITORS/DATA FURNISHERS THAT INNOVIS RECEIVED NONPUBLIC PERSONAL INFORMATION ABOUT ME DO NOT HAVE MY CONSENT TO SHARE ANY OF MY NONPUBLIC PERSONAL INFORMATION TO ANYONE ( REGARDLESS OF ACCURACY ) WHICH IS AN INVASION OF MY PRIVACY AND A VIOLATION OF THE GLB ACT AND CRIME UNDER 18 USC. 1 ) INNOVIS should not even have any information about me in the first place because I never gave consent to any information about me being shared to INNOVIS nor was I given the option to opt out of my nonpublic personal information to be shared with any nonaffiliated third party which is required by law. 2 ) INNOVIS NEVER communicated with me about any information that INNOVIS reported about me on my consumer report in their initial investigation. 
INNOVIS IS UNLAWFULLY FURNISHING REPORTS ABOUT ME THAT DAMAGES MY REPUTATION. INNOVIS IS USING MY NONPUBLIC PERSONAL INFORMATION WITHOUT MY CONSENT, IN AN ADVERSE MANNER TO ME, THAT DAMAGES ME MENTALLY, FINANCIALLY, EMOTIONALLY, DOES NOT BENEFIT ME BUT BENEFITS INNOVIS FINANCIALLY, which is fraud and aggravated identity theft which is crime under 18 USC!! I DEMAND THAT ALL INFORMATION ( INCLUDING PROMOTIONAL INQUIRIES ) THAT INNOVIS REPORTS ABOUT ME BE DELETED IMMIDIATELY!!!!!!!!!!!!! Peace, love, and prosperity to the reader of this complaint. I DEMAND A RESPONSE FROM YOU WITHIN 15 DAYS UPON RECEIPT OF THIS COMPLAINT!! 

ATTACHED IS A RECENT COPY OF MY CONSUMER REPORT AND PROPER IDENTIFICATION
Consumer complaint received 2022-04-14
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. (NC)

Ive submitted multiple request supporting my reason for removing these inaccurate entries on my credit profile. The Fair Credit Reporting Act States that XXXX XXXX and Transunion has to report 100 % accurate meaning that all three credit reporting agencies must report identical information and if one credit reporting agencies removes the account then the others should as well. I will be attaching all supporting documents even my credit report showing those accounts that are not reporting to all three credit reporting agencies. I request that you validate this inaccurate information and remove the negative accounts. This is my last request. Pursuant to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. If you don't have proof that I've sent written instructions then remove these accounts. Pursuant to 15 USC 1681a detention and rules ( d ) consumer Report ; The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
Consumer complaint received 2024-02-14
Product: Credit reporting 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Colony Brands, Inc. (NY)

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, WI-XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. 

I want this removed off my credit report on all three agencies immediately and also a letter from montgomery ward saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this.
Consumer complaint received 2015-12-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Years ago, I think XXXX, I saw on a credit report that and old credit card debt from MBNA was charged off. Did not check again until I was informed by XXXX XXXX this month XXXX 2015, that there was a Judgment Lien on my credit report. XXXX Portfolio had obtained a default judgment against me without any notice to dispute. I had no knowledge of the lien for almost seven years. I believe this debt was charged off and the sold to XXXX who then tried to collect on an expired debt. I looked up XXXX on your sight and found out I am not alone, that thousands of consumers are being punished for fraudulent and illegal practices committed by XXXX. Now I found out XXXX sold the same time-barred account to XXXX XXXX and they are continuing to try and collect the same account that was charged off by the original creditor. Looking at Consent Order XXXX I think I am XXXX of the Eligible Consumers who should have the judgment vacated and removed from my credit report. Thanks in advance for any information or help your organization can provide. I did learn that now I will check my credit report at least once a year.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (NC)

I am writing this letter due to the actions that XXXX XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXXXXXX XXXX  is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with XXXX XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX
Consumer complaint received 2017-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Persolve, LLC - Legal - Series 2 (CA)

On the morning of X/X/2017, I was informed by my mother via text at XXXX, that a man came to my residence looking for me. He represented himself as a debt collector from Persolve LLC. This seems to be a direct violation of the FDCPA. I attempted to contact this company directly for more information, but was not able to speak to a live person.
Consumer complaint received 2017-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC. (VA)

This is not my loan and I did not take this loan out. 
This is a fraudulent loan and this is not my signature or my date of birth nor my ssn I have sent in proof to the collection agency who is trying to garnish me as well as the servicer/lender of this loan. 
I have submitted multiple documentation explaining and proving that this was not my loan, not my address, not my ssn, not my date of birth and not my loan. 
Please help me resolve this as I am having difficulty with the collection agency and servicer about getting this resolved and discharged. 
This loan was taken out the same time I was enrolled in a different school in a different state. I can not be a two places at one time. 

THIS IS NOT MY LOAN!
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear EXPERIAN, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent and appear to be results of identity theft. Please delete immediately. 

XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXXXXXX XXXX Inquired on XX/XX/XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 

Thank you, XXXX XXXX
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

i am XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ID Analytics, Inc. (TN)

Received a denial for a loan I never applied for from a company called SageSteam LLC. A personal loan offer popped up on my XXXX for a company called XXXX XXXX with a ridiculous 98 % interest. Apparently this company thinks that simple looking at their offer is the same as accepting it. Both SageStream and XXXX XXXX companies are questionable, I would even say fraudulent. I'm just thankful that they declined it and I did have to start some kind of drawn out legal battle.
Consumer complaint received 2022-08-30
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 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 2022-08-30
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. (PA)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX XX/XX/2022 ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. Also, Please do not add any fraud alerts on my credit profile.