davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

This company is blatantly committing fraud. They are violating the FCRA, FDCPA and FACTA laws. 

Here are the numerous laws they broke and I've sustained actual damages : 1. Re-reporting a previously deleted account on my credit report without sending me the required 5 day notification.

2. Not notifying me in writing 30 days prior to this reporting on my credit and giving me a chance to dispute or validate.

3. When I call and send request for validation, they can't validate the debt.

4. They are re-aging the date of the last payment on this account so they can report it on my credit past the 7 year statute of limitations.

5. I was threatened with a lawsuit on a debt that is past the state statute of limitations.

I'm going to keep complaining about this company until this is picked up by the Attorney General and they are held accountable for their blatant fraud and breaking numerous consumer protection laws.
Consumer complaint received 2022-06-20
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)

n 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
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (PA)

On XX/XX/2021, I was on my way to Wisconsin for work and HSBC USA decided to freeze both my XXXX  Checking and XXXX  Savings accounts to verify a wire transfer that I subsequently canceled. Note this was the 3rd time in 3 weeks they did this to me. I informed them that I no longer needed the wire transfer and took care of my obligations via alternate means. However they insisted that I go to a branch to verify my ID even though I informed them that 1 ) I was almost out of gas and without access to my funds there was no way I could make it to any branch as 2 ) the nearest branch to XXXX, PA was 3 hours away. On XX/XX/2021 I contacted the bank again via phone and again requested my funds be released and they questioned where I got my funds from. I informed them that it was from the sale of my house in Florida and they demanded proof. XXXX wire transferred the funds to XXXX Bank back on XX/XX/XXXX and the remaining amount later in XXXX. No funds were ever wired to HSBC. I informed them that XXXX already verified my information and issued me a certified check when I closed my account with XXXX. The only verification they should need is to confirm with XXXX the validity of the certified check, which, if it wasn't valid, XXXX would not have cleared. They still insisted and I send them documentation of the sale of my home. So I forwarded the information to them and in the email I voiced my concern that I was being singled out and they should stop the racism in banking. Right after that email they subsequently 0pened my account. However within 24 hours they froze my account again. This time claiming that my account was pending an audit by the fraud department that they said could last indefinitely. 

Every time I call I'm informed that they do not have any information. Can't disclose the nature of the audit and the timeframe for the conclusion of the audit. I continuously feel like I'm being singled out because I voiced my concern about them operating like minorities can't sell a house and earn that much cash. I also informed them that thanks to their decision to illegally hold my funds, I was stranded XXXX  in XXXX, PA for 4 weeks and had to beg for assistance and food. I didn't make it to Wisconsin for my work and I have since lost my job, lost my health insurance, can't pay my bills, potentially will lose my car, don't have car insurance. I'm facing XXXX XXXX XXXX XXXX, as I can no longer afford my medication. Yet all I receive is callous, insincere, and in some instances misleading/outright lies as responses. 

As of today, they are still holding my funds without any legitimate reason. Even when I finally made it to a branch and was verified, they still refuse to give me my hard earned funds and are acting like the funds belong to them. I am planning legal action and I'm reporting this to the CFPB so that any regulatory actions necessary can be taken as well.
Consumer complaint received 2022-03-08
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/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have been working on repairing my credit for about six months now. I have been consistently sending letters to Experian during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from Experian is hindering my efforts. I am trying to better myself and get a better job but Experian will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to Experian below.
Consumer complaint received 2018-05-24
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: Sequium Asset Solutions, LLC (KS)

I have disputed this debt on several Occasions and the debt collectors XXXX has only provide a bill statement no other evidence I have submitted police reports and I was apart of XXXX breech and identify theft also XXXX has removed this account and then they put it back on my account and now XXXX is giving a hard removing this fraudulent account when all other credit reporting agencies have blocked this account also the dates of the account being opened are inaccuracies and the year and date The companys are XXXX XXXX and sequim please remove these account
Consumer complaint received 2022-06-20
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: Experian Information Solutions Inc. (CA)

I have submitted disputes to you and I don't get a response within 30 days and you all are required by law to do so. Please investigate my disputes. Thank you!
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (LA)

I HAVE INFORMED EQUIFAX AND XXXX THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT AND THAT I HAVE NOT AUTHORIZED THESE INQURIES ON MY CREDIT REPORT. I HAV ESUBMITTED MY POLICE REPORT AND FTC REPORT SEVERAL TIMES. I WOULD LIKE THESE UNAUTHORZED INQURIES REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2018-05-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I obtained an auto loan with Capital One Auto Finance in XX/XX/XXXX and I signed a contract for a four or five year loan. I am being told that my car will not be paid off until XX/XX/XXXX. That is a 10 year car loan. I never agreed to a 10 year car loan. I believe that Capital One is intentionally deceiving consumers with predatory lending and abusive car loan practices to include some or all of the following : 1. loan flipping 2. breach of contract 3. fraud 4. predatory lending 5. abusive car loan 6. bait and switch 7. equal credit opportunity act 8. truth in lending 9. discrimination 10. intentional deceptive practices
Consumer complaint received 2018-05-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (SC)

I am a first time homeowner. I purchased my home with Freedom Mortgage back in XX/XX/XXXX. I was on-time with my payments until I got a notice in the mail in XX/XX/XXXX stating that I had an escrow shortage and that my payments would almost double if I did not send a check in for the shortage. My taxes were wrongly assessed, as I did not file for legal residence in my county before XX/XX/XXXX. This put me in the 6 % tax bracket for my home instead of the 4 % that I was originally placed in when purchasing my home. On XX/XX/XXXX, I filed the necessary paperwork to claim legal residence and get my property taxes reassessed. I let Freedom Mortgage know that this was the case and stayed in contact with both them and the tax assessment office. On XX/XX/XXXX, I received paperwork from the tax assessor 's office, which contained my updated/corrected taxes for this year. I sent this to Freedom Mortgage and contacted them regarding this issue. 

I contacted Freedom Mortgage this week to check on the status of my escrow and tax issue. The representative let me know that they have an estimated finish date of XX/XX/XXXX to get my escrow account corrected in order to bring my mortgage payment back to its original amount. Freedom Mortgage will not escalate this ongoing issue unless they do not have it corrected by XX/XX/XXXX. I have not been able to make payments since this all started back in XX/XX/XXXX. This, of course, has been an ongoing issue for almost three months with my mortgage company, which is absolutely astronomical. I will NOT go into foreclosure or file bankruptcy because of a mistake that my mortgage lender refuses to fix in a timely manner.
Consumer complaint received 2023-06-13
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-05-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

I have disputed this debt on several Occasions and the debt collectors portfolio has only provide a bill statement no other evidence I have submitted police reports and I was apart of XXXX breech and identify theft also XXXX has removed this account and then they put it back on my account and now XXXX is giving a hard removing this fraudulent account when all other credit reporting agencies have blocked this account also the dates of the account being opened are inaccuracies and the year and date The companys are portfolio recovery and XXXX please remove these account
Consumer complaint received 2018-05-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (CA)

I am submitting a complaint against the collection company " XXXX XXXX XXXX , XXXX '' Since XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been incorrectly trying to collect a fictious business tax that I do not owe via Allianceone Receivables. Despite my CPA following up with Allianceone with a dispute package detailing the circumstances in great length, going so far as to get the documents notarized, I am still receiving letters saying that I owe this tax with increasing interest, when in fact, I never owed the tax to begin with. 
The last letter I received regarding this tax was XX/XX/XXXX.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Selene Holdings LLC (FL)

This letter is regarding credit report entries which are not being reported as required by Federal and State laws on my personal credit report account under SELENE FINANCE for account # XXXX on XXXX, XXXX, and XXXX credit bureaus. 
On or around XX/XX/XXXX, the credit report scores belonging to my husband and I, dropped XXXX points because previous servicer, XXXX, closed our home loan account with the credit bureaus. We were notified by the previous servicer, XXXX, that Selene Finance would be the new servicer on our loan. We have made payments to Selene Finance since XX/XX/XXXX, and they have not reported any activity on our credit report. 
In addition, we have contacted Selene Finance for the following three other issues regarding the servicing of our loan : 1. The loan amount since XX/XX/XXXX is incorrect according to a letter from the previous servicer. 
2. Selene Finance is collecting money for home insurance in the monthly escrow payments but has refused to pay the company who we selected for our homeowners insurance. We received an email that the company is going to cancel the insurance if they do not receive payment. 
3. We have not received an escrow disclosure form from Selene Finance. 
As a direct result of the closing of the loan from the previous servicer and Selene Finance not reporting our current payments for the last 3 months, we have been financially harmed with a higher insurance premium on our auto and homeowners insurance policies. In addition, we have been unable to refinance our home loan with another bank because the payments are not reflected accurately on our credit reports.
Consumer complaint received 2019-03-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

- Equifax and XXXX are reporting incorrectly that I am 30 90 days past due on the XXXX XXXX XXXX partial account numbers XXXX. ( Please see pages 12 and 13 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-12-23
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. (FL)

I was a victim of Fraud someone was using my name and personal information to open up an account in Ohio I have never done any business with the following companies : XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX please remove these account from my credit report and sent me an updated credit report. This is the 2nd time I have filed a complaint on this issue. I would also like the fraudulent addresses removed from my credit file as well. My current and only address is XXXX XXXX XXXX XXXX FL  XXXX, My SSXXXX My DOB is XXXX, please delete/remove any other address from my credit report Never lived at XXXX XXXX XXXX, OH  XXXX XXXX XXXX XXXX XXXX , OH XXXX, XXXX XXXX XXXX TX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX OH  XXXX.
Consumer complaint received 2020-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (PA)

I have received phone calls from GC Services about a debt that is not mine but is a family member 's attempting to have me contact that family member regarding the debt. They acknowledged in the first call that the debt they are seeking to discuss is not my own.

They have called several times now, even after I have asked them not to and are leaving ominous messages which include things like my full legal name and asking me to call back individuals who I can not get a hold of. When I called back at the number they left and asked to speak to the person who called I got transferred to silence until I finally hung up. I called back a second time to request one of the three individuals who called to ask again to not be contacted and, although I could hear a sound as though my call was answered, no one responded to me as I spoke.
Consumer complaint received 2021-10-24
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. (NJ)

On XX/XX/, I sent a letter regarding inaccurate and unknown items on my credit report. I have also continually called them via phone. But p until today, I have not received a response yet. I feel like I am being take advantage of and my dispute is being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress and embarrassment it has caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person. Additionally, I have asked all the credit bureaus to verify this Bankruptcy and they sent back a letter stating it was verified with the courts. I then asked the courts if they verified information and they sent me a letter stating that they in fact DO NOT verify information. I have asked all of the bureaus how did they verify the bankruptcy and they have failed to send me proof.
Consumer complaint received 2018-05-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JH Portfolio Debt Equities, LLC (NC)

Motorcycle was purchased in XX/XX/XXXX with a credit card. Payments were made for about a year. Things went bad and I lost everything I owned. Motorcycle was never repossessed. I moved away from North Carolina in XX/XX/XXXX. A judgment was filed and I was not aware of this as my mother signed the paperwork. I did not return to North Carolina until XX/XX/XXXX and then I was a XXXX XXXX until XX/XX/XXXX, so I knew nothing. On XX/XX/XXXX, paperwork was served and my mother signed again without my knowledge. Fast forward to now, I am clean, working and wanting to buy a house. When the mortgage company ( XXXX XXXX ) pulled a fraud report, they found I had a judgment against me. I contacted JH Portfolio Debt Equities ( understanding they purchased this debt from XXXX XXXX ) and for 2 months JH Portfolio would not give me ANY information. They would not even tell me who to contact. A friend told me I should contact the attorney who is XXXX XXXX XXXX, of XXXX XXXX   XXXX, XXXX, who was handling this judgment. I made an offer of {$2500.00} and it took three weeks for the attorney to get back in touch with me. I was told they would take {$25000.00}. I offered them {$3000.00} four weeks ago and I still have heard nothing from XXXX XXXX. I was told NOT to contact them, they would contact me. I am unable to purchase a home until this judgment is handled. I don't know what else to do to get this resolved.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

There are several concerns noted in your report 1. Time is missing after XX/XX/XXXX. I only had IP address. 
2. When you reviewed the transactions, it doesn't make any sense. On XX/XX/XXXX, I was in XXXX  in the morning, then XXXX  during lunch, then XXXX  in the afternoon. I came back to XXXX  in the evening..Another example, I was XXXX XXXX ( XXXX  XXXX at XXXX on XX/XX/XXXX. Then I went to XXXX ( XXXX  ) at XXXX. Even with flights, I won't be able to fly between XXXX in 20 min. Another example, I was XXXX ( XXXX  ) at XXXX AM on XX/XX/XXXX. Then I went to XXXX ( XXXX  ) at XXXX on the same day. Even with rockets, I I won't be able to fly between XXXX in XXXX min. 
3. Based on those log in information, it looks like a main fraudster ( my fraudster boyfriend ) control the account. While others reviewing and monitoring the account. The account is comprised for sure and multiple people can log into it. Otherwise it can not provide any reasonable explanations the movement of the log in locations varies in such a short time. 
4. One more piece. I have witness ( my landlord and my co-worker ) to show where I am during your claimed location ( IP address ). I never traveled in 5 locations in 20 days in XXXX. 

Also I was a Wachovia customer before and my account was merged into WF in XXXX. So I want you to provide me a history of my account log in activities in the past couple of years. Since I wasn't sure how long your record can last for. So if you can find any history, I'm really appreciated. Also I want to review the log in after I reported the fraud. Do I log into the account in such high frequency? 

I've provided a copy of the arbitration claims. Please consider your evidence and the circumstance.
Consumer complaint received 2018-12-19
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: AMERICAN HONDA FINANCE CORP (FL)

XXXX  and XXXX  has been non-compliant with removing the unverified account AM HONDA FIN Opened Date XX/XX/2018 which has been deleted by XXXX. XXXX were completed their research and determined that AM HONDA FIN was not established by myself but XXXX and XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  and XXXX did not send them all of the verifying evidence to confirm each account is unverified.