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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (HI)

My original lender WAMU declared bankruptcy and Chase bank took over the note.

They started to change the terms of the note and were also demanding I obtain Hurricane insurance and a very high price. ( My note with WAMU only required wind and storm insurance ) Therefore they were changing the terms of the note that they took over, which is illegal. So I joined a multi-plaintiff lawsuit, just asking to prove they own my note and weather or not they can make changes to it. When I joined the lawsuit, I was never behind in my payments, nor was I ever late on any payments. When I went to make my next payment, Chase turned of my web portal, where I paid from, and stopped sending me my statements. We demanded that they turn back on the web portal and send me statements so I can continue paying, but they ignored it and never sent me a statement again for a few years. I have certified and registered letters stating that I did not want to fall behind and that I was not behind and that this would cause me extreme undue harm. We even have emails from my attorney to theirs, telling them that this was illegal, but they ignored them. This is the definition predatory lending if there ever was one. Well now it has been 10 years and they have piled on all kinds of crazy late fee 's, bogus charges, etc,, I WAS NEVER LATE! Please help me. All of this is on record and in writing.
Consumer complaint received 2022-02-24
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXXXXXX " Child support Court '' has issued an late payment to my credit report for the total amount of {$420.00} without rendering me a fair chance of making the payment. My obligation of payments are $ XXXX  monthly which has been paid aggressively on time since 2007. Also! By law, late payments aren't allowed to be reported to the Bureaus unless amount owed are in the rears of an substantial amount or payments are neglected.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: MicroBilt / PRBC (formerly CL Verify) (CA)

To whom this may concern, XXXX XXXX Consumer Financial Protection Bureau I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureauXXXX XXXX XXXX XXXX ) credit report . My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize.
Consumer complaint received 2022-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

*THIS IS NOT A DUPLICATE COMPLAINT, THIS IS IN RESPONSE TO COMPLAINT # XXXX Hello, My name is XXXX XXXX, a federally protected consumer. I'm making this complaint against Portfolio Recovery Associates , LLC and XXXX XXXX for admitting to violating my federally protected rights on numerus occasions and admitting to participating in identity theft and security fraud as XXXX XXXX has FAILED to protect me from my personal identifying information from being shared in exchanged for money. I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. I've never given Portfolio Recovery Associates , LLC my identifying information or XXXX XXXX the permission to share my identifying information. Being that Portfolio Recovery Associates , LLC has my personal information that is in fact Identity theft. Portfolio Recovery Associates stated that they found no records supporting your allegations. As I mentioned before I am aware that in accordance with Article 9, the assignment of a defaulted note is IN FACT illegal. Both the assignee ( XXXX XXXX XXXX and the assigned ( Portfolio Recovery Associates , LLC ) are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Portfolio Recovery Associates prior to them attempting to extort me. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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 an account without my written instructions.
Consumer complaint received 2022-02-24
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. (CA)

I feel puzzled right now XXXX I have no idea what is going on over there at the CFPB. Ive submitted this same complaint twice already but you still claim Im not the one submitting it. This to me is just foolish. So Im submitting it again hopefully for the last time. Experian has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account and public records listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the account and public records without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account and public records blocked/removed from my credit file per FCRA. 

XXXX XXXX XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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  USDOE/XXXX XXXXXXXX XXXX XXXX USDOEXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-30
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: DISCOVER BANK (CA)

I have a credit inquiry from a fraud ( they applied for a credit card with my info ) and I reported this to XXXX XXXX and to Discover and XXXX XXXX did not remove thnis from every credit bureau. I still see this on some reports and it needs to be removed. I proved it was fraud and I have my credit frozen because it might be apoaring onn the dark web, this has happerned 2 times this past year in which I reported the fraud and I was also notified because I have warnimngs set. This 2 hard inquiries need to removed of all credit reports. please help me and take care of this, thank you, Sincerely XXXX XXXX
Consumer complaint received 2016-04-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Ocwen Loan Modification XXXX/XXXX/XXXX I have been trying to get a Loan Modification with Ocwen Loan Servicing since XX/XX/XXXX. Ocwen Loan Servicing bought a Fraudulent Loan Modification from AHMSI and it is designed for my payments to keep going up year after year until I ca n't afford to pay it anymore! Meanwhile Ocwen 's house ( the one I live in and pay for ) keeps going up in value. So after I can not pay the mortgage anymore ... Ocwen can foreclose and make money after I paid for this thing for all those years. 
They deny the Modification because I am current on loan payments and can afford to pay right now. I do have a few bucks in the bank, but I have also had a transplant, and if/when I have a problem and need specialty meds, I will need every dime I ca n't get my hands on! They do n't understand that! 
Secondly, I was forced to sell some income property that I owned, because I had to borrow against it when I was sick and on a transplant list. The loan was from a personal friend ( my realtor ) and no interest was charged, so nothing was documented. So, when the property was sold, I showed a huge capital gain tax and owe the IRS over XXXX! 
So, now I have no income off of property that was sold, I owe IRS $ $ , and my modified loan payments keep going up! I try to explain this to OCWEN and they just want me to spend every dime I have so they can foreclose! I have read Horror stories about Ocwen 's slimy history and I 'm worried. 
During the modification process, Ocwen assigns me a Relationship Manager! The RM has no direct phone # and only one number to the Loan Modification Department that you wait on hold forever, or talk to someone other than your personal RM! I have scheduled appointments with my Personal Relationship Manager and always end up talking to someone else instead! XXXX? 
What other options do I have? Ocwen Loan Servicing are major crooks! They go to court, get fined and just keep on doing their business as usual ... XXXX their customers!
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 2017-08-31
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: ALLY FINANCIAL INC. (FL)

on XXXX/XXXX/XXXX my credit was pulled by ally financial auto financing. I contacted ally financial on XXXX/XXXX/XXXX in regards to this inquiry representative was very unhelpful and advised me to dispute it thru my credit report this is a fraud inquiry and my authorization was not given to pull this report.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX have 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 an account without my written instructions.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-08-31
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: Aldous & Associates, PLLC (CT)

This is regarding an adverse account item logged to my XXXX credit report on XXXX/XXXX/XXXX in the amount of {$190.00} filed by Aldous and Associates on behalf of XXXX XXXX XXXX XXXX, and the resulting recalculation of my FICO score from XXXX to XXXX. The derogatory credit item is invalid and I disputed it with XXXX in XXXX as soon as I was alerted by my bank. They responded back that the item was verified as accurate. When I called to get the particulars about the investigation, as disclosed as an entitlement in the letter, the associate responded that the investigation is purely electronic. They simply contact the collection agency electronically for verification without any independent evaluation of the accuracy of the disputed charge. Whatever is reported is assumed to be accurate and as a consumer I have no ability to refute the claim. 

The circumstance of the disputed charge is as follows : I signed up with XXXX XXXX for month to month membership at a cost of $ XXXX/month. After an unexplained XXXX on the treadmill on XXXX XXXX, XXXX, resulting in a visit to the Emergency Room, I was advised by my doctor to discontinue my workouts until a full XXXX exam and XXXX test could be scheduled. Upon receiving that advice, I immediately called XXXX XXXX to terminate my membership. I had paid in advance for the month and had no outstanding balance. They urged me to come in to speak with an associate regarding the termination but after explaining the circumstance of my situation, the associate agreed to terminate my membership on the phone. Approximately 7 months later, I received a collection letter from Aldous and Associates on behalf of XXXX XXXX claiming a delinquent balance and collection fee in the amount of {$250.00}. I made multiple calls to XXXX XXXX and to Aldous Associates in attempt to resolve the dispute. They were unable to explain the charge and were extremely rude to me, talking over me, threatening to destroy my credit, and even hanging up on me. They did not respond to my letters. 

Attached is a copy of the Explanation of Benefits from my health insurance company documenting the emergency room visit and XXXX testing from XXXX XXXX, XXXX. An examination of the XXXX XXXX records will show that I have not visited the XXXX since that day. Also enclosed is my credit card statement showing two payments to XXXX XXXX for {$10.00} covering the months of XXXX and XXXX, XXXX. 

I request that this false item be removed from my credit report immediately, and that my credit score be restored to its prior-calculated value. I have had over 40 years of perfect credit, and it is inconceivable to me that an unsupported claim by a disreputable collection agency and local fitness studio for an erroneous {$190.00} charge should be allowed to diminish my credit score which has been consistently over XXXX for many years.
Consumer complaint received 2017-08-31
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: Aldous & Associates, PLLC (CT)

This is regarding an adverse account item logged to my XXXX credit report on XX/XX/XXXX in the amount of {$190.00} filed by Aldous and Associates on behalf of XXXX XXXX XXXX XXXX, and the resulting recalculation of my FICO score from XXXX to XXXX. The derogatory credit item is invalid and I disputed it with XXXX in XXXX as soon as I was alerted by my bank. They responded back that the item was verified as accurate. When I called to get the particulars about the investigation, as disclosed as an entitlement in the letter, the associate responded that the investigation is purely electronic. They simply contact the collection agency electronically for verification without any independent evaluation of the accuracy of the disputed charge. Whatever is reported is assumed to be accurate and as a consumer I have no ability to refute the claim. 

The circumstance of the disputed charge is as follows : I signed up with XXXX XXXX for month to month membership at a cost of $ XXXX/month. After an unexplained XXXX on the treadmill on XX/XX/XXXX, resulting in a visit to the Emergency Room, I was advised by my doctor to discontinue my workouts until a full XXXX XXXX and XXXX XXXX could be scheduled. Upon receiving that advice, I immediately called XXXX XXXX to terminate my membership. I had paid in advance for the month and had no outstanding balance. They urged me to come in to speak with an associate regarding the termination but after explaining the circumstance of my situation, the associate agreed to terminate my membership on the phone. Approximately 7 months later, I received a collection letter from Aldous and Associates on behalf of XXXX XXXX claiming a delinquent balance and collection fee in the amount of {$250.00}. I made multiple calls to XXXX XXXX and to Aldous Associates in attempt to resolve the dispute. They were unable to explain the charge and were extremely rude to me, talking over me, threatening to destroy my credit, and even hanging up on me. They did not respond to my letters. 

Attached is a copy of the Explanation of Benefits from my health insurance company documenting the emergency room visit and XXXX testing from XX/XX/XXXX. An examination of the XXXX XXXX records will show that I have not visited the XXXX since that day. Also enclosed is my credit card statement showing two payments to XXXX XXXX for {$10.00} covering the months of XXXX and XXXX, XXXX. 

I request that this false item be removed from my credit report immediately, and that my credit score be restored to its prior-calculated value. I have had over 40 years of perfect credit, and it is inconceivable to me that an unsupported claim by a disreputable collection agency and local fitness studio for an erroneous {$190.00} charge should be allowed to diminish my credit score which has been consistently over XXXX for many years.