davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I requested to have my 21 federal student loans consolidated into one account. Navient is the new servicer and has not provided a correct accounting of the total amount due. I made a payment to the previous servicer that Navient charged me for as well as another fee that was not explained, I assume it is a processing charge. Finally there is a credit amount that does not equate to anything and has no explanation. I have requested on multiple times and even provided them with the account details provided to me by the previous servicer. However, Navient seems unable to explain these figures to me. How can they be a financial services company and provide no explanation of the financial accounting of their products?
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (NJ)

I contacted several attorneys to do the closing on my XXXX XXXX XXXX XXXX, XX/XX/XXXX. XXXX house and they all declined. I was told that the house was foreclosed on and couldn't be sold and I was also told that the house is in a pool of homes that can't be sold alone. I got a call back from XXXX XXXX who said that he could do the closing. Many closing documents show XXXX XXXX XXXX XXXX, XX/XX/XXXX and the seller 's section 1445 IRS tax information shows that they sold me XXXX XXXX XXXX and not XXXX XXXX. 

What it comes down to is that no one is producing the requested paper work and potential buyers are telling me that there is no title insurance. The DEED and the TITLE INSURANCE show very different locations. I need to verify is if Chicago TITLE actually issued a policy and not just a binder. The binder number XXXX is all I seem to get from Chicago when I request a copy of the TITLE POLICY. Can Chicago TITLE please verify if the commitment to title was ever issued? 

I have tried to get information about my original XXXX purchase mortgage with XXXX XXXX XXXX XX/XX/XXXX along my refinance information with XX/XX/XXXX Lenders in XXXX. So far XXXX XXXX XXXX XXXX who acquired XXXX has produced no records of the mortgage at all. XX/XX/XXXX Lenders has not produced anything to prove that the actually paid off the existing mortgage. I have requested XX/XX/XXXX Lenders to provide the lien release that should have been issued when the XX/XX/XXXX was paid off. There is no record of the mortgage being satisfied and there is no record of the mortgage being discharged. XX/XX/XXXXLenders has not produced anything to prove that they actually paid of the existing mortgage if there really was a mortgage to begin with.
Consumer complaint received 2020-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Well, I XXXX XXXX opened an account on the XX/XX/XXXX because of all the hacking going on with b of a. XXXX then proceeded to get a personal account with XXXX n set up an reoccurring transfer from b of a to XXXX so as I dont lose anymore money. 
Money was deposited into my account on XX/XX/XXXX ; on my b of a debit card thru XXXX, and I dont know if it actually takes 2 days to deposit into my personal account?, but I called this morning and my money isn't in my XXXX account as the transfer was made from b of a
Consumer complaint received 2022-04-26
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 {$550.00} balance has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX {$7800.00} has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX {$0.00}. has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX  XXXX {$130.00} has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-02-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION (CA)

I tried to get a home equity line of credit against my home at XXXX XXXX XXXX, XXXX XXXX, TX XXXX to assist in my down payment on my new home at XXXX XXXX XXXX, XXXX, CA. This method was one that was approved by my soon to be mortgage company. I went through my credit union and was approved for the funds. They got ready to process the paperwork, and found that BBVA compass was still on my loan documents in the 2nd position. My credit union contacted BBVA to ask that they remove this from my account. They refused. I contacted them and they wanted me to state that I still owed this amount. I told them that I did not owe them anything, and that they were supposed to complete paperwork within 30 or 60 days of receiving information from the bankruptcy courts and my bankruptcy attorneys ( I completed the bankruptcy process, and it has been cleared for over 6 years or so, I believe ). Because they did not do so, I no longer had a debt that was owed to BBVA. BBVA also tried to sue me in XXXX, XXXX, and I forwarded those documents to my bankruptcy attorneys, and they contacted BBVA 's attorneys to let them know that they did not complete the required paperwork, and therefore I did not owe them a debt. 

After that, the debt was removed from my credit and it is not shown anywhere. But, they are not removing their names from my mortgage. I almost lost my home in California because I was not able to secure the loan with my credit union. Below,  please find the email that I sent to XXXX Bankruptcy to try to get their assistance again. They no longer have my paperwork, it was turned over to the bankruptcy courts. 



XXXX XXXX XXXX To : XXXX Email, XXXX XX/XX/XXXX at XXXX XXXX  Hello XXXX Bankruptcy, This vendor is resurfacing . They were contacted by your office around the date of the prior email. When my account was dismissed, I was told by XXXX that they did not submit the paperwork needed to show that I still had an outstanding balance and that I owed them the difference. There was a form, but i can not recall what he said it was. He did contact Compass, and I had not heard anything else from them until recently. They are not even showing on any of my credit bureaus. 

I have applied for a loan, and they are on my title, and they are refusing to remove themselves. I feel that this is a violation, and against the law. I would like to have someone send information to them to show that they can not hold my property XXXX for a debt that I do not owe. I am on a tight timeline, and are really needing someone to assist me or direct me. 

They need something sent to XXXX. Or they can be reached at XXXX. 

My case # XXXX I really appreciate your time. 

XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

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. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} This follow-up is to make sure that the listed accounts are validated.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I recently viewed my credit report and noticed a XXXX XXXXXXXX account that was not mine. I contacted the creditors explaining that I am a victim of identity theft. I am for certain that the alleged debt did not belong me. They responded via mail stating that they had completed the investigation and the items were not deleted, as requested. I reached back out to them requesting the following ; copies of the original contract with my signature, copies of any papers that I agreed to pay what you say I owe, and explain what bounds me to them.Also, what kind of business dealing have I done with them? By law, everything on my credit report must be accurate, verifiable, and reporting a timely. If not, information must be removed from my credit report. Unfortunately, the problem was not resolved and they have yet to to provide signed documents with my signature.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XX/XX/2020 SENT DISPUTE LETTERS TO TRANSUNION, XXXX, XXXX  XX/XX/2020 RECEIVED RESPONSE FROM TRANSUNION LLC XX/XX/2020 RECEIVED RESPONSE FROM XXXX XX/XX/2020 RECEIVED RESPONSE FROM XXXX  XX/XX/2020 SENT DISPUTE LETTERS TO TRANSUNION, XXXX, XXXX XX/XX/2020 RECEIVED RESPONSE FROM TRANSUNION LLC XX/XX/2020 RECEIVED RESPONSE FROM XXXX XX/XX/2020 RECEIVED RESPONSE FROM XXXX I have sent requests to all 3 credit reporting agencies to correct a public record on my credit file as well as multiple inquiries for credit requests. A bankruptcy that is incorrectly showing on my credit report in which I have included a letter from the U.S. Bankruptcy court stating that they do not report to or furnish debtor/creditor information to the credit bureaus. The responses from all 3 bureaus state that the furnisher of the information is accurate and correct. The corporation reporting this information is XXXX, a company in which I have no dealings, business or contracts with. Furthermore, any and all information acquired and/or provided by XXXX pertaining to myself or my person has been done so without my express consent or by identity theft and should be removed as well.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sentry Credit, Inc. (VA)

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, XXXX  XXXX ] [ XXXX ] [ XX/XX/2024 ] Debt Collection name : [ XXXX XXXX XXXX ] Debt Collection address : [ XXXX XXXXXXXX XXXX XXXX XXXX ] Account number : XXXX Subject : Dispute of Debt and Request for Deletion from Consumer Report Dear Sir/Madam, I am writing to dispute the validity of a debt that has recently appeared on my consumer report, as well as to assert my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my consumer report, I was surprised to find an entry regarding a debt that I have no knowledge of. I have not received any prior notification or communication regarding this alleged debt, nor did I have the opportunity to dispute it before it appeared on my consumer report. 

I want to emphasize that if you believe that proper notification was indeed provided to me, I kindly request that you furnish me with the CERTIFIED mail receipt that includes my signature, demonstrating that I received notification of this debt at least five days prior to its appearance on my consumer report. As a consumer, I am aware of my rights under the FDCPA and FCRA, which include the right to be notified of any debt collection activity and the right to dispute any inaccuracies on my consumer report. 

If you are unable to provide a certified copy of my signature confirming receipt of proper notification within the specified timeframe, I demand the immediate deletion of this collection/charged off account from my consumer report. Failure to comply with this request will prompt me to take further action to rectify this matter. 

I expect a prompt response to this dispute and request within XXXX days, as stipulated by the FCRA. Please provide all correspondence in writing to the address listed above. Also attached XXXX registration of states where company can collect alleged debt. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2021-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC over accounts ARS ACCOUNT RESOLUTION # XXXX, # XXXX, # XXXX, # XXXX, Third-Party Collection Agency unable to validate the debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another who allegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partial portfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have not received any documentation from any of the above company and I request again that proof of Claim and verification. I am filing a complaint over XXXX XXXX violation as well. I am not sure how my personal information ened up at the office of ARS ACCOUNT RESOLUTION
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcadia Holdings, LLC (PA)

Received a call on my answering machine from Arcadia Debt Resolution claiming I owed money On Thursday XX/XX/2021 I returned their call at XXXX XXXX  and asked how they obtained my unlisted number and what was this call was about as I have never had an unpaid bill The representative was XXXX would not provide a last name or employee number and he insisted I provide personal information before he could tell me what this was all about. I stated he should have all my info furthermore I have an XXXX credit score and monitor my credit reports I informed him if he could not discuss the issue without disclosure of my detailed info ( ssn etc ) I would terminate the call which I did I feel this was a scam and research into this firm I noticed there were numerous complaints against them
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXXXXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$58000.00} ; XXXXXXXX XXXX  XXXX Balance : {$16000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXXXXXX Balance : {$2200.00} .
Consumer complaint received 2023-03-28
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. (TX)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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
Consumer complaint received 2021-01-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (CA)

XXXX : We entered into a refinance for our primary home with XXXX with Mr. XXXX XXXX after a great sales pitch. Mr. XXXX promised to close the refinance in 45 to 60 days. We have done a refinance previously on our home so we understood the process and documentation needed. 

XXXX : 60 days passed with no processed loan. The lender charged us {$750.00} in pre-paids, {$150.00} in application fees, and {$600.00} in appraisal fees. We requested updates weekly but the loan processor and the mortgage broker provided no details or status of our refinance. Every few weeks the loan processor would sporadically request new documents and we would respond quickly. 

XXXX : We received an email from the Mortgage Rep stating that he was leaving the company because he did not receive sufficient support for processing the loans he was originating. We asked to get our prepaids back because it was close to 90 days since the process started, but he did not respond. 

XXXX : We then reached out to another person ( XXXX XXXX ) that we were working with at XXXX to get our prepaids back and to terminate the loan. XXXX included 2 more people, Mr. XXXX XXXX & Mr. XXXX XXXX, who requested that we terminate our loan in writing without confirming whether they would refund get our prepaids. We confirmed termination of the loan on XX/XX/2021, almost 115 days since the process started. Upon receiving the Notice of Adverse Action on XX/XX/2021, we were told that they would not refund our prepaids. 

We were extremely frustrated with 1 ) the lack of transparency of the status of our refinance 2 ) no progress after over 90 days and 3 ) no refund of our prepaids after terminating. We wasted time and money with this company.
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On XXXX XX/XX/2023, I living woman XXXX XXXX XXXX was denied a consumer personal loan at Truist Bank XXXX Scenic highway XXXX XXXX, Ga XXXX. XXXX XXXX XXXX XXXX # XXXX. I requested/submitted an application for {$7000.00} to purchase a dwelling unit for my safety and a automobile for traveling and was denied. I seen an advertisement online for personal consumer loans and it does not state that a credit score of XXXX is required before applying nor did it say anything about my creditworthiness! Its False advertisement, Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of Fraudulent activity ( unauthorized use of credit card ) on behalf of Truist I am aware that according to FEDERAL LAW, banks are not allowed to loan credit and are also not allowed to loan their own or their depositor 's money Public Law 73-10 Hjr 192 Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is confided in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Truist Bank due to the response I received. Truist reported to all 3 CRAs witch has lowered my credit score and states its high RISK I am also requesting for that hard inquiry to be removed from my credit report! As its damaging my life. I am requesting that I receive the full amount of {$7000.00} for my personal use, its my right to have a safe place to live and safe travels! 
Sincerely, Without Prejudice, All Natural Inalienable Rights Reserved UCC1-308 By : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

this account is on my credit report 3 times its with XXXX XXXX an XXXX which is a third party debt collector, nither company has given me in proof that is my debt pls be advise i am formally asking you to provide me with a full an proper documentation substantiate this claim