davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
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: ALLY FINANCIAL INC. (NV)

hello, I have 3 investment accounts with Ally XXXX XXXXl ( Ally bank online ) for about 2 months. XXXX IRA and 2 rob investment accounts for a total of about 9000 dollars. about 2 weeks ago they inactivated the text code verification for security purposes because I forgot my PIN number and they went ahead with asking me multiple choice questions as a method of verification. since then I have failed their verification answers, they keep asking me about a different person that lives in XXXX Arizona and that has my same age and same maiden name. also they have been asking me about " other people that I am supposed to know that live in Arizona. I keep telling them that I have never lived in Arizona, I have lived in XXXX XXXX for over 30 years and California before that. they would not hear of it and have attached my accounts to fraud and have lock them, I can not see them on my online banking side of it like I used to or have access to it or transfer them out. one time I did happened to speak with one representative that tried to help me and asked me to submit/fax my driver 's license and social security card to the number the representative gave me, I did on the XXXX and email them to XXXX the following day also. XXXX, the representative said that in about 2-3 days they would contact me, I have never hear from them or no body has email me. I keep sending them an email asking what other information I can submit to verify that is me. I keep calling and asking them the same thing and they keep asking me the same questions about someone that lives in a different state and other people that I have no idea who they are. they wound not get me to a manager or supervisor because I have not been properly " verified ''. they would just not help further and I have no body that could help me. the banking part of it I have access to fully but they say they can not help me with the investment part of it at all. like if they separate entities. my phone number is XXXX and XXXX, my email address is XXXX, I have no paperwork to submit because I have not receive a email back or call back, there is no back and forth just me begging to what else I can submit to prove that it is me.
Consumer complaint received 2019-07-29
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc. (DC)

* In a letter dated XX/XX/2019 requesting Debt Validation and Proof of Claim. Consumer Portfolio XXXX responded with a letter dated XX/XX/2019 with a document as proof of Dept. 
* I responded in a letter dated XX/XX/2019 with the following errors on that document : ( 1 ) There are two ( 2 ) different mailing addresses associated with the document. 

( 2 ) Based on the amortization of the loan on page one ( 1 ) of the Sale Contract, the balance owed is not in accordance with the interest rate stated and the terms laid out in the Sale Contract. 

( 3 ) The document provided was substantially different from the one we were able to obtain from Originator of the debt. In essence, a fraudulent document. 

* Consumer Portfolio Solutions, Inc letter dated XX/XX/2019, stated that " Your letter is substantially the same as a dispute that was previously submitted by you or on your behalf, either directly to us or through a consumer reporting agency, without additional or different information needed to investigate the dispute, and which we have already provided a satisfactory response. ''
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

Congress " said I have a right to privacy, title 15 section 1681 ,602 A,15 section 1681 604 A, C.R.A. can not furnish account without my written instruction,15 section 1692 c, not allowed communcation with the consumer, form ssa-89 valid for 90 days, students loan on my report for to long, I don't want any derogatory information on my report, I don't want XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, off of my report, Experian validate my report right, if they did they would had seen all debts belong to United Stated title 18 section 8 , when validating, they was suppose to remove everything, they didnt contact me in 30 to 45 days,
Consumer complaint received 2019-07-29
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. (TX)

Equifax and XXXX are reporting incorrectly ( 30 ) days past due on the XXXX XXXX partial account number XXXX. This account has been paid. There is no outstanding balance and therefore there is no past due balance to be late on. XXXX  is reporting ( 30 ) days late on this account showing a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account where there is a {$0.00} balance {$0.00} past due. The Fair Credit Reporting Act guidelines say that an item must be removed if it has not been updated within ( 6 ) months. This incorrect reporting is harming my credit score and these line items need to be deleted from my credit report.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX   XXXX  is not reporting the correct payment amounts that are being made monthly. I 'm currently making over {$600.00} a month payments and only receiving {$35.00} a month and credit on all  XXXX  credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit bureaus a nd   XXXX   XXXX   XXXX   wo uld not do anything to correct this issue.
Consumer complaint received 2017-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (OH)

I have an unverified account from PINNACLE LLC. I had previously disputed this account. I have never done business with PINNACLE LLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PINNACLE LLC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PINNACLE LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2022-01-25
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: MARINER FINANCE, LLC (GA)

YOU ARE BREAKING THE LAW UNDER THE FEDERAL CREDIT REPORTING ACT! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 



To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. 
Mariner Finance {$2200.00} xxxxxxxx XXXX You are furnishing inaccurate and incorrect information on my consumer report. The reporting of such information has caused severe damage to my reputation, general mode of living and my ability to obtain credit for personal or household uses. You and your inaccurate reporting have damaged my livelihood. 



I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( Mariner Finance ) did not disclose this information to me that is required by federal law.

( Mariner Finance ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties.

( Mariner Finance ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.

You are in violation of federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. LEGAL ACTION WILL BE TAKEN IF THE ACCOUNT IS NOT REMOVED AS MARINER FINANCE HAS BEEN PUT ON NOTICE FOR VIOLATING FEDERAL LAW.
Consumer complaint received 2019-09-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Dear Chase, thanks for your response and co-operation. In your XXXX response, you explained the information of this loan since XX/XX/XXXX. 
However, I have two questions for you. 
Firstly, this loan has been used back in XX/XX/XXXX by this XXXX XXXX XXXX when Chase issued this loan under my name. 
So please provide the information that pertains from XX/XX/XXXX and after that, like how long did it continue, loan originator, HUD 1 settlement etc. 
Secondly, is there any reason for which you are not following FCRA regulation of posting this to the credit bureau?

Your response to these two inquiries will be highly appreciated. 
Thanks.
Consumer complaint received 2022-12-02
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Consumer complaint received 2021-07-23
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (AZ)

I received a garnishment email from my employer on XX/XX/XXXX, never knew about this. Apparently this loan was taken out in XXXX, with no attempt to contact me after XXXX debt collector states they attempted to send me docs, but all were " sent '' to an address i have not been at since XXXX. My concern is that my addresses have been kept up to date with the state, and why after XXXX no attempt to contact me or collect, i then get a 4 day notice and have XXXX dollars garnished from my check. i never had a chance to dispute this case or even come up with payment arraignments. i then contacted the attorneys office that was handling this case and they said they would reduce the cost to 15 %, that never happened. I am now in a position where I dont have enough income to pay my rent,
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This is an ongoing continued complaint for a CLOSED Business due to the COVID 19 Shutdown that Capital One Continues to Ignore while still sending harrassing emails to pay the past due balance.

This is a Business Credit Card in which the business has been CLOSED DOWN due to the COVID 19 PANDEMIC. I have raised this issue with Capital One since the pandemic forced my company out of Business in 2020. Capital One has not assisted ( only reset payments for a few months ) which I preferred not to do. I preferred working out the situation. But Capital One continues to ignore that matter. The last letter I received not only did not answer my complaint but was jammed with " filler '' generic statements. The business is CLOSED. There is NO income. 

Does Capital One want to work it out or prefer to ruin my Credit due to a pandemic, then after 90-120 days of late payments offer a settlement? Is that the plan for a business customer with Capital One for more than 10 years?

This is a predatory act on the part of Capital One that needs to be resolved ASAP. Why was I even sent such a ridiculous response from the associate named " XXXX ''? It was poorly researched and did not attend to the matter at hand. 

This matter has also been referred to our XXXX FL District Congress woman, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, since it is clearly being handled without good faith and in a predatory manner as Capital continues to ruin my personal credit, post late fees and interest on a CLOSED COVID 19 Business. 

We also ask Capital One to please keep an orderly file off every complaint we have submitted to prove our responsibility and good faith in trying to rectify this situation while Capital One has acted in a shameful manner month to month from Day 1.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX my spouse and I requested our annual free credit reports from all three credit bureaus. 

XXXX provided both credit reports as requested. 

XXXX provided a credit report for my spouse, but other than my name the credit report was blank and, and when I tried to refresh the information the site said that I had already received my free report. 

Equifax denied provided both credit reports due to an inability to verify our identities, using the exact same information XXXX and XXXX accepted. 

When I call their support numbers to request mailed reports, both XXXX and Equifax mailed letters stating that a free copy of your credit file alreadt has been sent to you within this past 12 months. This is untrue, and in any case as we understand it, we were entitled to free WEEKLY credit reports during the pandemic. 

Equifax has continually denied my free annual credit report requests in XXXX, XXXX and XXXX, and denied requests from my spouse in XXXX, XXXX, and XXXX. This appears to be a systematized denial of legally mandated credit reports, considering the same identity information provided to the XXXX website was accepted by the other two credit bureaus. 

We know our credit bureau files are up to date, because we unfreeze and refreeze them when we perform the annual credit report requests.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (OH)

I received a debit card from Chime today even though I did not open an account. The debit card wants me to activate the card in order to contact their customer service which I am not going to do given this appears to be fraud. 

The letter also has a bank account associated with it but that bank is in Delaware and I have never heard of the bank XXXX XXXX XXXX XXXX XXXX XXXX 

I have put a freeze on all of my credit reports but Chime should do more to protect people.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}.
Consumer complaint received 2019-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY ASSOCIATES Account number XXXX .... 
Recent balance {$1600.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1600.00} past due as of XX/XX/XXXX. IS very AGGRESSIVELY ATTEMPTING TO COLLECT ON THE DEBT THAT IS 9 YEARS OLD.. I contacted capital one bank the original creditor on this account who stated 1099c was issued 5 years ago, and confirmed that first date of default/last date of activity on this account was back in XXXX thus this account is too old to report on my credit and has passed a statutory allowed amount of 7 years. I supplied this info to porfolio on numerous occasions who ignored and still refuses to remove this erroneous collection. Every time we call they just collect and update information on me and now they called my work and parents house, AND changed the " on record until '' date on XXXX  report from XXXX year to XXXX how is it even legal ... why can't we stop them from harassment and violation of federal laws on collection FDCPA???
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My XXXX  account, XXXX XXXX account, and XXXX account with XXXX XXXX  have all been closed by XXXX XXXX  on or about XX/XX/XXXX and XX/XX/XXXX. All of these three accounts were always paid on time and show good status. However, all three accounts were closed by XXXX XXXX  for no reason. I believe the reason they were closed was due to a error on the XXXX XXXX account, which I tried fixing for over a year with XXXX XXXX. This error was correct on XX/XX/XXXX. However, my XXXX XXXX, XXXX XXXX, and XXXX account are still close which continues to affect my credit.