davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Subj : Please Verify Debt Below Account Number : XXXX Original Creditor : XXXX XXXX XXXX. 
Balance : {$4900.00} Dear PORTFOLIO RECOVERY, This is to inform you that I've recently pulled my credit report and noticed that there's a collection from your agency on my credit report. I have never been notified of this collection. However, this letter does not imply that I refuse to pay this debt. Rather, I would like to dispute your claim. 

As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Consumer Financial Protection Bureau ( CFPB ) and other states/federal agencies. 

Please attach copies of the following documents : 1. Agreement with your client that authorizes you to collect on this alleged debt.

2. An agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.

3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2019-01-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

Reference loan # XXXX with Shellpoint/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  and XXXX XXXX XXXX  at XXXX XXXX XXXX  in XXXX, VA XXXX. Effective XX/XX/XXXX XXXX XXXX was granted his XXXX XXXX XXXX  rating which also relieved him of property taxes on the property noted above. We had to calculate our own new payment as XXXX XXXX refused to adjust our mortgage, did not send us a statement for the months of XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX I had to call to get those statements but had paid the mortgage. They are saying we have to continue paying taxes through XX/XX/XXXX. They were notified via fax on XX/XX/XXXX with the letter from the tax assessor 's office of this relief and although they acknowledge having this letter insist that we pay the taxes. This is far above scandalis and we absolutely want this matter resolved as quickly as possible. It appears that they are trying to defraud us. We received a statement for XX/XX/XXXX in the amount of XXXX. The Commissioner of revenue has returned the taxes we've paid to XXXX and Shell point is yet to return that money to us in the amount of XXXX. On XX/XX/XXXX our escrow balance was XXXX. We received a check from the surplus in the amount of XXXX. and change and now our escrow balance is minus XXXX. Please assist us in getting this matter corrected. Their numbers are monkey business not facts. If you wish to contact us we may be reached at XXXX. Thank you for your assistance.

Sincerely, XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Consumer complaint received 2019-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XXXX XXXX & XXXX & & XX/XX/XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.
Consumer complaint received 2019-03-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANCORPORATION (TX)

The mortgage company is holding funds for a homeowners insurance claim. The funds from that are being shown on the monthly statement. 

Received a statement showing a negative balance ( XX/XX/XXXX. XXXX {$6700.00} ). Called in ( XX/XX/XXXX ) and was instructed that since the balance was negative, I did not need to pay. Received a call a couple of weeks ( XX/XX/XXXX ) later looking for payment. Explained what had happened. They apologized, and I set up a payment. 

Was told on that call that it was an error in the way the statements are generated and it should be corrected. 

1 ) I was assessed a late fee of {$27.00}. This is after a ) they send statements that inaccurately show the amount due XXXX it is a negative number ), and b ) they told me not to worry about the payment since the statement showed a negative balance and c ) I paid within 48 hours after they called and explained THEIR mistake. 

2 ) The statements are still wrong. The statement dated XX/XX/XXXX shows a balance of - {$6100.00}, and an amount due of the same amount ( - {$6100.00} ). This should be corrected as it is misleading to the consumer, me, and misleading to the folks working at the bank since they told me not to worry about paying with such a large negative balance.
Consumer complaint received 2024-02-08
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. (TN)

I recently reviewed a copy of my consumer report. I was shocked to learn that I have been a victim of identity theft. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A and 15 USC 1681q. You have knowingly transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I found numerous accounts on my consumer report that were not open by me.

Addition to this I have not given any consumer reporting agency written permission to put anything on my consumer report. The law states per 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Therefore, these accounts should not be reported on my consumer report. 


This has also caused infringement of my right to privacy for advertising this alleged debt that I do not owe nor have an agreement and/or personal responsibility contract with on my consumer report. 

This has been hurting me and causing my mental health to be disturbed with severe harm and extreme anxiety, as I am in the process of buying a home for my family. It is also unlawful for the advertisement of any debt to coerce payment per XXXX XXXX XXXX XXXX Harassment or abuse. 

Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2019-07-12
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: EQUIFAX, INC. (WA)

I have sent several copies of my current FTC Identity Theft Report to Equifax, along with a personal statement that I did not authorize the accounts listed thereon to be opened or used, and proof of my identification in the form of copies of my valid drivers license. I have used several different methods to send them my ID Theft Report, including regular mail, fax, and their website 's upload feature. 
Per federal law ( FCRA 605B ), consumer reporting agencies are REQUIRED to BLOCK the reporting of any information identified as fraudulent within 4 business days after receiving the aforementioned documents. Equifax is ignoring federal law, believing it is their right to do so, according to one phone rep. 

I have called them several times, and each time they claim that they do not have to follow the requirements of FCRA 605B. This is despite the fact that they acknowledge that I have sent the proper documentation required under 605B ( a ) for blocking fraudulent accounts. This is clearly willful noncompliance as defined by FCRA 616, making Equifax liable for the damages described therein. 

They have cited none of the reasons for which FCRA 605B ( c ) would allow them to deny a block. Even if they were to cite any of these reasons, they have no evidence to invoke them. 

As a military veteran, I am shocked and disgusted that a large, supposedly trustworthy company, operating within the United States, would willfully ignore a federal law that applies directly to them. I would like to see an investigation led by a government agency look into this matter and force this rogue company to abide by the law.
Consumer complaint received 2019-01-02
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. (NY)

I sent letters to the 3 credit bureaus ( Experian, XXXX, & XXXX ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account.

Letter 1, 2, 3 & 4 was certified mailed to Experian, XXXX & XXXX respectively on XX/XX/2018 ( letters 1 ). 

XXXX : XX/XX/18, Experian : XX/XX/18, XXXX : XX/XX/18 ( letters 2 ). 

XXXX : XX/XX/18, XXXX : XX/XX/18 & Experian : XX/XX/18 ( letters 3 ). 

XXXX : XX/XX/18, XXXX XX/XX/18, Experian XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for XXXX, Experian, and XXXX to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX XXXX. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. Experian also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : Experian : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.
Consumer complaint received 2018-01-25
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. (FL)

I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXXXXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I had two credit cards with XXXX XXXX XXXXXXXX, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was  the person who filed bankruptcy. I have brought this matter to XXXX XXXX XXXX in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that XXXX XXXX XXXX reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the XXXX XXXX XXXXXXXX accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.
Consumer complaint received 2020-09-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect (IL)

This company is trying to collect an invalid debt to begin wit, also when she called me, she gave a brief statement about attempt to collect the debt and followed with you have {$5000.00} medical bill, would you like to pay that tonight? She did not verify my identity or anything to ensure I was me. She definite failed proper authentication and verification procedures. I told her the debt was not valid as I have told this company before and I am in process of disputing their removal from my credit report. Also the 2 accounts I have for them on my credit bureau are for {$0.00} and {$130.00}, not over {$5000.00}.
Consumer complaint received 2022-04-27
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. (NY)

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$6000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$2200.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$4500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$5000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$920.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$1000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I used to be a very loyal customer since XXXX, chase bank is the only bank I ve using and I referred chase bank to all my friends. I have always been a good customer, I never deposit cash into my account, never withdraw large amount cash from my account, and I made all my payments on time. I had a good experience with chase bank before XX/XX/XXXX, chase bank soundlessly closed my account even without notice me. There are lots of service require credit cards, car rentals, hotels, etc., and I dont even have another bank, as a person travel a lot, my life has been ruining by chase. 
Then I tried to called chase card service, the card service neither given me a reason nor reopen my account, I felt very upset, this action, this closure is very unprofessional and aggressive, the spirit of contract in the transaction was broken by chase for no reason. 
After that I received a letter telling me that all my credit cards, bank account and even my safe deposit box have all been closed by chase. So called the number on the letter XXXX and asked then to reactive my account or review my transaction, they rejected my opinion without even thinking about it.
Consumer complaint received 2019-01-02
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southwest Credit Systems, L.P. (FL)

Southwest Credit Systems contacted my wife at her place of employment about a {$100.00} debt that was owed. I sent a written request to SWC on XX/XX/XXXX and asked that the debt be validated and as of today ( XX/XX/XXXX ) no response has been received from the company. On XX/XX/XXXX my wife received a phone massage from the secretary at her job with the phone number for SWC but the person left no contact name. The secretary said that they told her to have my wife contact them ASAP about an outstanding debt or they would sue. I never gave this company permission to contact my wife much less contact her at her place of employment. SWC violated my privacy and now my wife 's coworkers are aware of my personal business.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (LA)

I tried to use my Chase Sapphire Visa card I've had for several years to buy some concert tickets multiple times without success. I spoke with the company at least four times about the problem, but it still didn't work. I spoke with managers and their fraud department. Initially, it seems like they had a charge level set below the purchase cost, but even after I identified the seller name & exact dollar amount, the charge was again declined. This was after I was specifically told by a manager in their fraud department the charge would now go through. They refuse to admit fault, claiming the billing address or security code entered was incorrect. I refuse to believe their claim as : 1 ) they later admitted they had set a low fraud limit, below the amount I tried to charge ( and well within my credit limits ) ; 2 ) : the charge was attempted at least 4 times by at least 2 different sales clerks ; 3 ) : I gave the sales clerk my billing address & security code ; ( 4 ) : in the last two charge attempts, the sales clerk had the card in his hand ; ( 5 ) I was well below my limit, have never missed any payments with years of credit history & have a pretty high credit score. 
I ended up using a different credit card with no problem at all. 
I believe they refused the charge because they didn't want me to get the reward points.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX : {$270.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-26
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. (GA)

Never owned said vehicle finance by XXXX XXXX XXXX XXXX. Have I told them to provide proof of this information and I have not received any proof of any loan documents with my signature?
Consumer complaint received 2018-01-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had two credit cards with bank of america, both of which have been coded as bankruptcy. Although my report does n't officially show a bankruptcy ( because i have never filed bankruptcy ) it does state under the notes that accounts were discharged in bankruptcy, and this information is inaccurate. My mother was the person who filed bankruptcy. I have brought this matter to Bank of America in various opportunities within the last 2 years, to no resolution. Nobody is willing to help me. I have been turned down for credit, and the only reason is because my report states that Bank of America reported an account in Bankruptcy. In the past, credit agencies have closed their inquiries because they state that I do not have a BK on record, however, when you did into the bank of america accounts, the notes they provided indicate that there was a bankruptcy, and this is picked up when i apply for credit. These accounts have also been closed for many years. Please have them remove these accounts from my credit altogether.