davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Portfolio recovery has kept calling and calling me without any reservations at all. I dont know who they are or why they are harassing me. I came across their information within XXXX XXXX and it shows they are reporting two accounts that should not be accounted for. It is hurting my credit opportunities and I would like for them to remove it since I do not owe them anything. They need to provide me with a signed contract between me and portfolio recovery if not they must immediately remove this negative remark and update all credit reporting agencies. Notice is below to them : This will notice will serve as a validation 609 letter. This letter is a formal complaint that youre reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, section 609 section A1A. You are required by federal law to verify through physical verification of the original sign contract, any and all the accounts that you post on the credit report.
Consumer complaint received 2022-06-18
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. (MI)

In accordance with the Fair Credit Reportina act XXXX Account #. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportina agency can not furnish a account without mv written instructions
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has XXXX my rights. 
XXXX XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has XXXX my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX LA XXXX has violated my rights. 
XXXX XXXX XXXX Missouri XXXX has violated my rights. 
XXXX / XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-24
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. (TX)

XXXX XXXX is still reporting on my credit report, this account is XXXX XXXX XXXX. I have settled this account and its over 7 years old. I am trying to purchase a home and I need this deleted off all my credit reports. 

Thank you
Consumer complaint received 2024-02-07
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-05
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RSI Enterprises, Inc. (AZ)

This company was persistently calling me. I contacted RSI XX/XX/24 to ask them to remove my number from their system. I got push back from the representative saying this will impact my credit I continued to say yes please remove my number. I received another call today XX/XX/24.
Consumer complaint received 2022-07-24
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: WELLS FARGO & COMPANY (FL)

RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXX. XXXX Wells Fargo Account XXXX XXXX Reason for Deletion : Omitting information, such as Original creditor, company sold, balance, monthly payment, past due amount, highest balance, terms, and your statement. Status should be Paid in Full and account deleted from credit profile.
Consumer complaint received 2022-06-15
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. (GA)

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2.. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately 4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately
Consumer complaint received 2019-08-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (GA)

We were going through XXXX to complete our modification, we turned in all necessary paperwork only to be called from our XXXX XXXX in the beginning of XXXX saying that we were being denied due to not having enough employment because when we first submitted the file I was on unemployment and during the process began working but with a decrease in pay. All of my pay stubs were submitted since XXXX of this year. Our XXXX representative had to submit the documentation all over again. In XXXX, we received a escrow refund check and was able to pay our XXXX mortgage with those funds not knowing that if the account was current, the modification could not be done. I received a call from our XXXX representative on XX/XX/XXXX with the bad news that since we paid our XXXX mortgage, we couldn't receive a modification. I explained to her that this is unacceptable, if the modification was completed correctly the first time before we ever received an escrow refund, our modification would have been approved and that it wasn't our fault that the documentation was there but the rep at Shell point neglected to double check the pay stubs or even ask. The reason I received was that she thought the pay stubs from XXXX until XXXX was unemployment when the pay stubs clearly state my employers name XXXX XXXX XXXX. So now we have to continue trying to pay the mortgage due to someone else 's mistake and in addition we never received the documentation of not being approved the 2nd time so that we could appeal the decision. Shell point doesn't want to work with their borrowers when they are experiencing hardship and it's a shame!!!!!!
Consumer complaint received 2020-06-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Home Point Financial Corporation (VA)

The company involved is Home Point Financial, which purchased my mortgage about two years ago. By law and as listed on the loan I have from the XXXX to the XXXX to pay my mortgage without any problem or issues. In or around XX/XX/XXXX and XX/XX/XXXX due to illness and operations I end up paying my mortgage a couple of days after 15. For which I was assessed late payment penalties and paid them. Since XXXX and until this morning ( XX/XX/XXXX ) they have taken upon calling me to ask for the debt payment. Even that I am not late. The caller today identified himself as a " Debt Collector. '' I have told them repetitively in all prior months ( XXXX, XXXX and XXXX ) that this is becoming a harassing situation. Today and after this call this morning is definitely a harassing situation and the reason that I now choose to report them. They promised me each time they will stop and they continue. 

I believe to be an unfair practice by this lender and I am in the process of selecting another lender for refinancing.
Consumer complaint received 2020-02-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harpeth Financial Services, LLC (TN)

I received a called from advanced financial 24/7 on a sunday which is my religious day off trying to collect a debt i told the caller it was sunday and she still continued to try to collect completely disregarding my peace. And disturbing me on the Lord 's day so i hung up. The call was completely disrespectful. Not to mention this situation has already been addressed and has a case already with The CFPB in regards to my payments i have digital reciepts attached establishing that my payment went through ( see attachments ).  This is not the first time they have called me and each time it was from a different number. Which is deceptive because i received the loan in the area code of XXXX but im getting calls from SC and CA.
Consumer complaint received 2021-11-04
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. (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-18
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. (MI)

In accordance with the Fair Credit Reportina act XXXX Account #. XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacv 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reportina agency can not furnish a account without mv written instructions
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rhode Island Housing and Mortgage Finance Corporation (RI)

I can prove that XXXX XXXX lied about my intentions in getting out of my Chapter XXXX bankruptcy so that I could sell my rental house and catch up with what I owed them. I have a copy of an email correspondence with their attorney. 

They also adjusted my statement after my first complaint and applied the two payments from XXXX but never wrote adjusted or corrected or anything of that sort on the mortgage. ( They do this all the time, the numbers just move around ) XXXX XXXX 's narrative may sound good, but it is not true. He lies. He say 's he never talked to my attorney and I did not tell them what was going on but that is not true and I can prove it. I told them I was getting out of the Chapter XXXX so that I could sell the house and catch up with what I owed them. I had to explain that to the judge in order to have the case dismissed and then file chapter XXXX on the other bills. 
I had to go to court and explain in a court of law why I kept filing chapter XXXX so I could save the houses until I could sell the rental and catch up with the house I live in. I have been sick. I have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX What is his excuse? 
He doesn't mention that when I ended the Chapter XXXX I paid them nearly {$40.00}, XXXX to catch up on the mortgage, I fixed up this house and started a business from home so I could continue to pay my mortgage. He is purposely trying to make it so I do not qualify for the help available to people who were effected by the Corona Virus. But I have all the email correspondence with his attorneys, including the one where I told them I wanted to reinstate the Mortgage. XXXX XXXX claims he never spoke to my attorney, but my attorney has notes on the phone call and has NEVER lied to me or spoken harshly to me, while XXXX XXXX has been speaking harshly to me since my partner who happens to be women, was diagnosed with XXXX XXXX XXXX. Perhaps I should be retaining a civil attorney in this matter! He has made this personal and has colored the truth to make his narrative look good.
Consumer complaint received 2024-02-07
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. (CA)

This is my 4th request that I am a victim of identity theft and I write to dispute certain Accounts in my file resulting from the crime. The Accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (OH)

I have worked for XXXX and XXXX in the past years and have passed background as I have no criminal record whatsoever nor have, I had a moving violation in roughly 15 years so there hasn't been a problem. A year ago, Checkr flagged me as ineligible to work and provided this information to XXXX and XXXX. I requested a copy of this report roughly 10 times and gave up. I'm now trying to work for these companies again and have not been able to due to the background report provided by Checkr. I have again requested a copy of this report multiple times in the past couple weeks only to be ignored.
Consumer complaint received 2022-06-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I was trying to get a loan from a company in XX/XX/XXXX but after they did an investigation on my credit information, they found that I had significant debt and could not offer me a loan. The main companies were bank of America and XXXX. 
The loan company said that I had debt with Bank of America of {$18000.00}. And that I had 2 XXXX cards for amounts of {$9400.00} and {$2700.00}. 
I called Bank of America and asked them to send me a letter showing my charges. But they said they couldnt that because Banks only hold 7 years worth of information and since the account was opened in XXXX, they did not have that information to give me. 
In emailing with my bankruptcy attorney, this is what he wrote back to me : Bank of America was listed in the schedules, and they were served with notice of the bankruptcy filing. Bank of America did file a proof of claim for other debt but not for the $ XXXX debt we listed in the schedules. It is probably a situation where Bank of America did not have documentation showing the debt was owed and chose not to file a proof of claim. 
I believe that the same problem occurred with XXXX. 
I submitted a complaint to XXXX, and they completed their investigation. However, the Bank of America {$18000.00} debt still showed. 
I called XXXX today, XX/XX/XXXX and I asked them if they could call Bank of America and XXXX and ask them to give XXXX proof of the debt. XXXX told me they couldnt do that. Because of a law that says that you cant ask credits of documentation for the debt. 
So, I am left out in left field and I have nowhere to turn. This is so frustrating. It appears that these debt item will be on my credit forever and I will never be able to get a loan. I really hope the Consumer Financial Protection Bureau can help me in some way. 

Thank you.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (TX)

There are a number of inquires on my credit report that I did not authorize or sign for. I need these inquires removed immediately as it is negatively impacting my credit score. 

XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX FACTUAL DATA Finance Reseller Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, and Experian you are both in violation! Because I disputed this account, and XXXX XXXX said that this is valid on XX/XX/2022, and Experian you are in violation for furnishing without my consent ( the audacity of you Experian. ) Experian, I am reporting you for aggravated identity theft 18USC 1028a. 
You did not contact me in writing form to verify my account before furnishing my private information. YOU ARE IN VIOLATION! 

XXXX XXXX, I am reporting you pursuant to 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information.

My consumer credit report should have been listed as PAID ON TIME and the balance needs to be 0, as of XX/XX/2022 XXXX XXXX, you have my balance {$100.00} you are in violation 12 CFR 226.11 - Treatment of credit balances ; account termination. 

Billing errors. 15 U.S. Code 1666 - Correction of billing errors You are both in violation, I tried to correct the errors and you both XXXX XXXX, and Experian failed to fixed them. I HAVE THE PROOF!!!
Consumer complaint received 2022-03-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 's 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-05-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WA)

XXXX XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.