davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (MD)

XX/XX/XXXX XXXX XXXX XXXX : The Money Source Loan number : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Good morning, We're submitting this complaint for the purpose of asking your assistance in dealings with XXXX, surrounding our loan Modification request. 

We began our conversations with XXXX on XX/XX/XXXX and submitted all requested documentation shortly thereafter. Documentation was received, by them, on XX/XX/XXXX. 

Since that time, we've been dealing with XXXX XXXX - who informed us that SHE was our single point of contact ( untrue ). Her extension is XXXX. Over the course of the last 30 days, XXXX has told us that Underwriting had questions regarding our XXXX XXXX XXXX and supplemental Letters of Explanation. 

On four separate occasions, we were asked to resubmit the same documentation. ( at XXXX 's request, her saying that it was Underwriting asking for the updates/with no clear explanation ) It wasn't until last week, when we had an opportunity to speak with a different individual, that we were told exactly what the issues of those documents war. We took immediate corrective action and submitted those documents 24 hours later. 

Our next follow-up call, with XXXX, brought us the same results as the previous for conversations. Again, she insisted that Underwriting needed an explanation on the documents that we had repeatedly explained to her, over the phone and in the detailed Letters of Explanation. 

Yesterday we had a conversation with XXXX, extension XXXX, and again, we were told that there was a request for an explanation of our XXXX XXXX XXXX, our most recent bank deposits, and the Letters of Explanation, surrounding our lease agreement. ( We currently do not have a lease agreements with any subletters ) After explaining everything to her and her actually taking the time to look at the documents, she agreed that what we've provided is satisfactory for the individual who is - SETTING UP THE FILE TO COMPLETE IT AND THEN SEND IT TO UNDERWRITING. 

This means that our file has been pending set up approval for 30 days and Underwriting has yet to see it. 

It's painfully clear to us that XXXX is actively working to willfully mislead us and break our spirits. This is a very sizable loan and the value of our home has gone up, since we purchased it. 

We are requesting that you step in and demand that they take corrective action and move our Modification request through the process in a timely manner. Our mortgage payments are in excess of {$5000.00} per month and every month that goes by, the fees and penalties add up in a tremendous manner. I've attached copies of the notes from every conversation that we've had with them to this Thank you for your help with this! 

You can speak with my wife XXXX XXXX XXXX. She is also on the loan.
Consumer complaint received 2019-03-07
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. (TX)

On XX/XX/2019 I submitted a request to Transunion for them to update and investigate inaccurate information from XXXX XXXX that is reporting an account on my file that is from an account that I never opened with XXXX XXXX XXXX. They have been unable to send a contract from the original creditor showing the account is accurate and valid, while Transunion is completing their investigation after only 7 days. This shows that Transunion is violating the 30 day rule and are siding with the debt collector without doing the proper investigation to verify the accuracy of this account on my credit report, due to this fallacy I ask that this account be removed from my credit report and for my information to be updated. If not then I have no problem with taking my case to an attorney for advice on this matter
Consumer complaint received 2021-09-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Alleged Debt {$500.00} - Account XXXX BONNEVILLW COLLECTIONS INC XXXX XXXX XXXX XXXX UT XXXX Explanation, Counter offer Dear Sir/Madam I disputed this alleged debt on XX/XX/XXXX, so I reached out XXXX XXXX XXXX Regarding this alleged debt is not accurate and not even exist in first place so long story short I started visit medical center for treat my XXXX XXXX XXXX with XXXX  and XXXX  XXXX XXXX and XXXX XXXX  XXXX we agreed I pay only {$50.00} for visit instead of {$150.00} Because I wasnt insured and I been visited 8 ( Eight ) times and I have recorded and receipt for every visit so the agreement we made of {$50.00} pay for visit, so I purchase insurance on XX/XX/XXXX then I went 2 time visit on XX/XX/XXXX, XX/XX/XXXX and here is transactions from my bank statement, Which I can send copy - XX/XX/XXXX DEBIT CARD PURCHASE, XXXX, XXXX  XXXX VISA XXXX XXXX XXXX XXXX XXXXXXXX XXXX * PA {$50.00} XXXX XX/XX/XXXX DEBIT CARD PURCHASE, XXXX, AUT XXXX VISA XXXX XXXX XXXX XXXX XXXX XXXXXXXX * PA {$50.00} So when I checkout on XX/XX/XXXX, XX/XX/XXXX I did asked the receptionist I got insurance, but i already paid {$50.00} today but it seem like you guys out of network on my policy, she said we can try so based on that the agreement pay per visit {$50.00} which I paid and I can send proof its variable contract, so the alleged debt is not even excist in first place, but morally because XXXX XXXX and XXXX XXXX XXXX were very nice to me I can offer rest of this two visit which is {$150.00} counter offer of original amount after paid already {$100.00} for this 2 visit Please let me know whether you are to accept counter offer for on time payment to settle this account. If so, please tell me in writing my offer to accept it, so I can issue Cashier check once I received a settlement letter amount of {$150.00} on time payment lum sum of ( XXXX XXXX XXXX Dollars only ). 

Note : i'm offer this amount morally based on my manners not because i owe you Thank you for your corporation
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (CA)

I would like to formally request the removal of all hard inquiries, collections, installments, closed accounts, debts, inaccurate addresses, and any other inaccuracies from my credit report. 

FCRA Section 611 FCRA Section 605B
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Credit Network Inc (CA)

Financial Credit Network updated my credit report negatively and reported as an open collection on XXXX/XXXX/2021 when I had a Chapter XXXX discharged approved and reported on XX/XX/2021. 
This agency was included in the notice to creditors. Once I was alerted the discharged debt was updated as open collections I used their website requesting immediate correction and attached the notice to creditors which listed the agency and debt along with the order for discharge. Financial Credit Network did not respond to me or correct my credit report. 
I had to file a dispute with XXXX to have the account removed. 
I again had to provide proof to get this corrected. This is harassment, collection is court ordered to stop. Updating consumer files incorrectly should have consequences for the agency. 
Consumers should be given more control or negotiation powers before affecting their credit. 
This agency acted in an inappropriate and dishonest manner, I have proof of service regarding bankruptcy filling. Consumers are not given any information before information is added to their credit files. My daughter 's name is listed on my credit file as an alias along with many misspellings of my name. Neither myself nor my daughter have ever used each other name. I have also never misspelled my own name, it is not appropriate to list alias when the people using different versions of my name are companies who pay for consumer lists creating unsolicited junk mail delivered to my home and soon after I have a new alias listed on my credit file.

Filling bankruptcy significantly harms my credit profile, having an open collection post days after a discharge is devastating. 
Thank you
Consumer complaint received 2021-09-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (AZ)

I received an initial communications letter from XXXX XXXX XXXX XXXX on Monday XX/XX/2021 stating they are trying to collect a debt that I do NOT recognize. On XX/XX/2021, well within 30 days after receiving their letter, I sent them a letter to the stated correspondence address disputing the validity of the debt and requested validation of the debt. The letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. On XX/XX/2021 I sent them a follow-up letter notifying that they have failed to validate the referenced debt and that they are still reporting the account as valid in violation of the FDCPA. Again the letter was sent via USPS Certified Mail with Return Receipt and was signed for on XX/XX/2021. The collections account has been continuously reported and is still currently, credit report shows the account was updated XX/XX/2021, being reported on my credit reports as a valid collection account.
Consumer complaint received 2017-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Regional Management Corporation (TX)

I received a copy of my credit reports and see that Credit Recovery Associates is reporting that {$1200.00} is owed to them. After multiple attempts to get debt validation, I have not received a response from Credit Recovery Associates. I asked for them to validate the following : 1. Who was the original creditor on this account and what was the account number.? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.
3. Please provide me documentation that indicates that I agreed to pay them this sum of money.
4. What was the original date of delinquency for this account?
5. Agreement that grants Credit Recovery Associates the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did Credit Recovery Associates pay for this account, and how did you calculate the current amount owed?
I required compliance with the terms and conditions of my letter within 30 days of their receipt or a complete removal from my credit reports.
Consumer complaint received 2021-08-12
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. (AL)

I previously explained that my car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine. You removed everything except the inquiry for XXXX XXXX XX/XX/21.
Consumer complaint received 2020-12-08
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. (OH)

I have disputed items on my credit report due to they are inaccurate and unverifiable. The credit companies TransUnion, XXXX, and XXXX  has not fixed the problem despite the evidence that has been sent via certified mail. According to the FCRA they are required under to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations and reinvestigations they stated in writing that they verified that these items are being reported correctly. Who verified these accounts? How did they verify these accounts? FCRA states that information has to be 100 % accurate which clearly it is not! They have NOT provided me a copy of ANY original documentation aka contract with my signature on it after asking them several times now! FCRA states under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that they have to provide me with it if I request it which they haven't. Next they have failed to provide the method of verification they used as required under Section 611 ( a ) ( 7 ). These are the FCRA rules not mine so why aren't they following them? Lastly, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Which they have not done either, again why aren't they following the rules? Why do we have these rules if they aren't enforced or followed?
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2022-10-08
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. (NV)

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 
I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX - Unverified Account XXXXXXXX XXXX XXXX XXXX Unverified Account XXXX. XXXXXXXX XXXX XXXX  Unverified Account XXXX. XXXX XXXX XXXX - XXXX XXXX Unverified Account
Consumer complaint received 2021-08-12
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc. (CA)

Attending XXXX XXXX XXXX as a VA student receiving the post XXXX GI bill. Tuition and fees were to be covered by the VA department yet during my time at XXXX I noticed charges against my federal loans. After investigating there were several courses in which I was charged but never attended. I attempted to talk to the school. Nelnet and I dead  never able to resolve. I felt XXXX was using unethical financial service practices almost seemingly attempting to double dip VA students at a school known for being among the most expensive tuition and yet a 2nd rate education. I was completely misled by XXXX from the start and lost over a year of VA benefits and over 15000 dollars in charges to my federal student loans.
Consumer complaint received 2020-12-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2023-01-20
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-09-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

I went to a wells fargo in XXXX, pa. I have 2 accounts there with substantial money in both accounts. I gave manager my valid license and she refused to cash a XXXX wells fargo check, my check. I had credit cards, medicare card, XXXX XXXX XXXX with me and she said no cash. She said the only way to cash my check is only with wells fargo debit card, which I do not have or want. I was a long term customer of wells fargo for decades. I filed 3 complaints with this psycho woman and they took her side. I need help with this matter.
Consumer complaint received 2021-09-21
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. (WV)

Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit profile.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TN)

I applied for a credit card with Barclays bank via XXXX XXXX. I was not aware that I was approved since I never received a card, activated anything, or make any purchases. I then was charged for maintaining the credit card that I never used, I disputed it with barclays bank, corrected it, and make the account up to date. I requested the late payment history be removed from the account since it was on an account that I was unaware was active until I noticed the detriments to my credit score but have not heard back from credit bureau. I'm requesting the negative history for this account by removed from my credit history.
Consumer complaint received 2018-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio is not willing to resolve my mortgage issue by correcting the principle balance of my mortgage loan that was transferred by XXXX XXXX XX/XX/XXXX ( {$84000.00} ). I never agreed to a Sub Prime Mortgage of {$240000.00} with XXXX XXXX. I have lived in my home since XX/XX/XXXX in fact, it was a construction home. 

Select Portfolio stated recently that the Mortgage still belongs to XXXX XXXX and the Loan Modification needs to be approve by XXXX XXXX. This is a monopoly. 

As a consumer, I request the Federal of Investigation investigate both XXXX and Select Portfolio for Mortgage Fraud. The mortgage fraud monopoly issue with both XXXX and Select Portfolio Servicing. It is time the CFPB gets involve and sanction both these Mortgage business to the list of Lawsuit claims against them for Mortgage fraud. This scam has cost countless innocent home owners such as myself and other consumers stress and uncertainty. Congress pass a law that prevents Mortgage Companies and Servicers from Mortgage Fraud and get the HUD Department involve to insure these Mortgage Companies are honest and comply with Trust in Lending laws.
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Ive disputed the same account multiple times but to not avail. I disputed an account on XX/XX/2020 with Portfolio Recovery Associates LLC. 
and never received any follow-up communication from the company to validate or further the investigation on my request. 

I called them yesterday ( XXXX XXXX ) because I settled a debt with the same original credit furnisher ( XXXX XXXX ), not realizing that they were two separate accounts. They told me that the account was still in dispute status for {$900.00} dollars, and is still being reported to The CRAs as accurate information ( as of the XXXX of XXXX ) even though its in dispute status. 

I told the manager that, by law, they are required to make a determination within 30-45 days but is has been reported ( since XX/XX/XXXX ) that the credit is accurate. They didnt do their due diligence and refuse to take any further actions. The lady even stated that they had 90 days to make a decision and they were giving me more time due to the pandemic, which is not upholding the law, but also not a circumstance I asked them to make.