davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MS)

The law clearly state A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless they send the information in section 1637b which they never do and they must mail it 21 days before the payment due date. I want proof that this information was mailed or delivered 21 days before the due date. Thank you!
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

The transaction was a bank to bank transfer that happened XX/XX/XXXX if XXXXI did not have that money in myaccount and I did not authorize it. I did dispute in XX/XX/XXXX 1 week total after it happened. After sending the police report of fraud and identity theft to them i did not hear anything else until i received a bill fir XXXX from the Huntington bank XX/XX/XXXX. 
I contacted XXXX XXXX to help. We have sent more paperwork in XX/XX/XXXX and still getting the run around we have been calling about every other week. Now today they said they have been disputing wrong. But it has been almost 2 years now and nothing done. Since then the account has been closed.
Consumer complaint received 2019-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

A suspicious debt was listed on my report back in XXXX stating it was defaulted & that it was opened in XXXX of XXXX, claiming that I owed money on a XXXX/XXXX account, that I am positive that I had never opened. A year later, this company referred to as Midland Funding Llc, appeared on my credit report, claiming to be the collection agency for XXXX/XXXX. In the past, I had tried to dispute both of these supposed debt reports through the credit agencies with no success. It has been almost 7 yrs. since the 1st listing on my report, & I have NEVER received any notifications from neither the " original '' creditor, nor Midland Funding Llc. If this collection account through this agency Midland Funding Llc was supposedly real, then wouldn't you think that I would have received phone calls, mail, or emails about it already from both the original creditor & this agency, considering it has been 6 yrs. & 8 months since the original creditor stated that suspicious account had officially been opened? To make this even more questionable, this company Midland Funding Llc has violated the law by re-aging this so-called debt on my credit report, thus stating that it was opened in XXXX of XXXX, to keep being able to illegally report this collection account to the credit bureaus for almost 2 yrs. longer than the original supposed account opening date. This isn't right that there are agencies out there, that will go out of their way to purposely break the law in several different ways just to con people into paying a debt that isn't theirs just because they listed it on these individual 's credit reports, & they don't even attempt to validate the accounts at all to make sure they are legit first.
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

I bought the house at XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX for {$290.00}. 

By summer XXXX there were XXXX mortgages on the property, XXXX held by XXXX, a 30 year loan with balance of approximately {$100000.00} and the other by XXXX XXXX XXXX, a HEQ line with an amount of {$120000.00}. In XXXX XXXX, when I rented out the property and moved to XXXX XXXX. The house was rented until XXXX XXXX, XXXX. The XXXX mortgage was assumed by Bof A for many years, and in XXXX they sold it to Green tree Servicing. The Home Equity line is still with XXXX XXXX. 

XX/XX/XXXX I began to investigate the possibility of selling the house, and perhaps on a short sale basis, in case my liability on the XXXX loans turned out to be greater than the value of the house. 

On XXXX, XXXX date I was informed during a call to Green Tree that the house had been foreclosed on by Green Tree, the holder of the XXXX mortgage. I have no documentation to to support this. 

At that time, the balance due on the first mortgage was approximately {$100000.00} and the balance due on the XXXX mortgage was approximately {$120000.00}. The fair market value of the house at that time was more than {$200000.00}. 

I have repeatedly asked Green Tree for an accounting of the proceeds of the sale, but have been unable to obtain any information about how much the house was sold for, to whom, or on what date. No transfer deed has ever been recorded in the public records. 

On or about XXXX XXXX, I was contacted by XXXX XXXX XXXX who represented that he had bought the house at the foreclosure sale, and asked me to sign a quitclaim deed in exchange for ( {$1000.00}? ). I do n't know if he is the actual buyer or a fraudster. 

At this stage, I do not know if I am still the owner of the property, or whether it has been sold. If it was sold, I do n't know whether is was sold for anything like the fair market value. I fear that the XXXX mortgage holder may have sold the property for far less than its actual value - enough to cover some or all of their loan, but not the XXXX mortgage, for which I would still be on the hook. 

I am writing because I have been unable to get answers to my questions from ( Greentree ) and its representatives, and I do n't know what to do next. At a minimum, I would like to know whether the house was sold, when, and for how much. 

If the house is still mine, then I would like to arrange a sale, possibly a short sale, that would take care of both loans. If I have no further ownership, I would like to know.
Consumer complaint received 2019-05-26
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )
Consumer complaint received 2019-05-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC (OH)

On XX/XX/XXXX this year I got a credit report that Greensky opened a line of credit in my name. I contacted Greensky on XX/XX/2019 XXXX   XXXX/GREENSKY Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and they said that some construction company opened the account in my name. I said I did not give anyone permission to open an account in my name. And furthermore .I did not give a company permission to conduct business electronically with me. Greensky said they could care a less about that.
Consumer complaint received 2019-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal receives funds to my account from my ebay sales. XXXX has cleared and rated my account as an above standard seller.No complaints from any buyers. However paypal gets my funds and holds on to them. They take my funds and not allow me to have access to these funds. Until 21 days.
Consumer complaint received 2019-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts  listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-05-26
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-08-16
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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.

Its been more than 30 days and the credit reporting agencies are in violation of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Voss & Klein, LLC (CA)

On or about XX/XX/2019 a collection company Voss and Klein went on my credit report regarding an Ad with XXXX. And charged me approximately {$4300.00} plus a {$1000.00} collection fee. I want this to be removed from my credit immediately. I have attached a letter and documentation supporting my request. Thanks XXXX
Consumer complaint received 2019-05-26
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. (HI)

There is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me ... XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Made several attempts to inquire about hard inquiry via certified mail. Company failed to comply according FCRA guidelines. Company failed to reply within 30 days.
Consumer complaint received 2019-05-26
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. (HI)

There is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me ... XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX   XXXX, XXXX XXXX-XXXX, XXXX/XXXX   XXXX
Consumer complaint received 2019-05-26
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed .. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CB1, Inc. (LA)

XXXX  sent me several letters on my account stating that it is closed because of money that I owed them. I contacted them and requested to dispute the transactions, but they were unable to assist me further and proceeded to mail me more letters. I mailed a letter back stating that I will not pay them what I owe because I did not authorize it and they sent more letters to me, this time to my different address.     This is leading to harassment because I asked them nicely to stop the first few times
Consumer complaint received 2016-01-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

I have been applying for Mortgage Loan modification on my property since last year without any positive response and has been turned down XXXX times without giving any reason. My property or Loan number is XXXX I have been behind and struggle to catch up with my mortgage payment since the middle of last year due to medical reasons that has affected the family finances coupled with medical bill incurred during my son 's having a procedure on a XXXX XXXX at his school playing ground last year. 
The loan modification application was completed and all the necessary documents including the medical bills were sent to them. I have not even been able to pay the medical bills due to lack fund and some of them have gone to collection. My wife has exhausted her XXXX at her job in the payment of the mortgage with the statement sent to PennyMac. 
My wife and myself are both presently in school and work to ensure better financial status and we are not making enough to meet the family financial needs. 
The major reason for PennyMac denial is that the family is not making enough money compare to what is going out hence the modification is denied which is the reason for asking for modification and I think should be a reason why the modification should approved.
Consumer complaint received 2022-08-16
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of 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. 
Its been more than 30 days and the credit reporting agencies are in violation of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2019-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TN)

called fake paypal number listed on XXXX XXXX they had all my paypal acc info. they were in my paypal account they knew my notifications email phone numbers and they locked me out of my act ssid my account had been hacked and had me spend XXXX on XXXX XXXX  XXXX. called number back and they told me XXXX XXXX
Consumer complaint received 2019-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IA)

company repeatedly updates credit report claiming I opened an account with XXXX 2 years ago which I've not done. The only account I had with XXXX was in XXXX. This company has falsely claimed the account was accurate for credit disputes purpose. XX/XX/XXXX last payment was made for XXXX to XXXX. Bill amount at time of payment was XXXX. collection company has repeatedly claimed the bill total is XXXX and on Thursday XX/XX/XXXX the claimed the excess amount was for collection fees due to the period of time however company has always claimed this is the amount due of the deliquent phone bill.Collection company using spoofing numbers from local cities. company has begun calling my cell phone and work number using this practice. company should be fined for use of illegal practices. number they are currently using is XXXX XX/XX/XXXX XXXX wednesday XXXX XXXX
Consumer complaint received 2018-09-14
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: CAVALRY INVESTMENTS, LLC (FL)

On XX/XX/XXXX a settlement was agreed upon to settle an old account with an agreement to remove lawsuit and delete from all credit bureaus upon cashing of check. Check sent with agreement via certified mail. Signed for and then cashed on XX/XX/18.  Lawsuit dropped and account changed to {$0.00} bal on reports but failed to delete from reports as agreed upon. Clearly stated in letter and on check ( documents attached ) CASH to delete. Company refuses to delete which is a violation of agreed contract.
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MO)

Disputing the fact that Experian investigated properly, they claim they verified the reports, well great, I sent a demand letter wanting the proof of all verification supported with proof of documentation sporting my signature on each verified account. XXXX is a medical collection, they at no time ever got my consent in writing to share or obtain my medical records. accounts were not marked disputed, and Experian actually sent me a letter stating they had no intention of re-investigating my dispute, they also failed to remove old addresses in accordance to my written letter to them.