davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX LVNV FUNDING LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me  Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2018-07-05
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: PENNYMAC LOAN SERVICES, LLC. (CA)

I appealed to my lender to reverse the first and only 30 day late reported on my credit report ever! I explained that it was the fault of my broker, and I hoped they would understand and that I would comply with any stipulations they might require in order to move forward.
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (FL)

To Whom It May Concern : I have been trying to get a modification with Caliber Home Loans. The representatives state that there was a payment missing but we have received proof that the payment was received by the previous lender XXXX. Then XXXX sold the loan to Caliber Home Loans. 
As with most Americans our family was suffering a loss of income for several years. They denied the first modification which we are still trying to understand why. We called and spoke with a representative around XX/XX/2015 and were told there was too much debt. That did not make sense because they are only supposed to use income and current mortgage payment to arrive at an affordable payment. We were told to resubmit all documents again so we uploaded all the documents on their website and then received a letter indicating that they can not process at this time because you did not put your loan number on the documents indicated below. There are NO documents indicated below on the letter. Then they are asking to have the documents mailed, emailed, or faxed. They did not request this previously as the documents were uploaded to their website and this was easy. It seems now they are trying to make it difficult to get the documents to them in a timely manner. I need assistance in dealing with Caliber Home Loans. 
Your cooperation is greatly appreciated.
Consumer complaint received 2020-08-24
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. (AZ)

I Sent in a Equity Letter exercising my Equity ASKING FOR THE " original instrument of indebtedness in its original form. '' which XXXX XXXX has failed to provide! This documentation DOES NOT!! HAVE MY Social Security Number Or Date of birth on it so how could they say THIS IS MY DEBT? 

I'M ALSO A VICTIM OF IDENTITY FRAUD. THIS IS NOT MY DEBT! 

This is a direct violation Of the FCRA and the FDCP Act.

This is : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220 XX/XX/1997, Filed ( D.C.

No. 95-cv-01743 ). 

They refuse to correct information after being provided proof of inaccuracy.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (NY)

I purchased a XXXX XXXX XXXX XXXX from XXXX and had {$100.00} loaded on it. I was charged an additional {$2.00} convenience fee as well. 

I did not realize that when I purchased it that I would need to provide my social security number and birth date with the company in order to use the card and redeem the money I already loaded on it. It also seems like they are going to charge a {$1.00} every time I use the card. I am not looking to have a financial relationship with the company and have no intention of reloading the card. I simply want to access the {$100.00} I already put on it without paying a fee every time. 

The phone number they provide does not have an option to speak with a customer service rep. It disconnects you if you do anything but follow the activation instructions. it is the only # the company provides and they market it as a customer service line, including for questions or refunds. 

I have sent emails to the company as well and get non-specific messages back that tell me they need more info but don't ask for anything in particular. Just my phone number.
Consumer complaint received 2022-09-14
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. (GA)

As I know and as you, Equifax, should know that pursuant to 15 USC 1681 ( b ) ( Permissible Purposes ) as well as the FCRA section 604 ( a ) ( 3 ), you are in violation, by allowing multiple 3rd parties to access my private and personal information. This has not only damaged my personal but my family and household as well. By allowing my report to be viewed by MANY without my direct authorization is an invasion of my privacy as well as being illegal! I have made NUMBEROUS attempts to have them removed to NO avail. TODAY, The remedy that I seek for your violations is deletion of all soft inquiries and {$5000.00} payable to myself. However, I am willing to negotiate. If I do not receive remedy or counter, from this notice within 5 calendar days, I am ready to file documents in small claims court. 

Notice to agent is notice to principal, notice to principle is notice to agent.
Consumer complaint received 2020-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX someone attempted to purchase a XXXX  XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.
Consumer complaint received 2020-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX has made monthly inquiries of my credit from XX/XX/XXXX - XX/XX/XXXX, and as XXXX via XXXX XXXX on XX/XX/XXXX, without my informed consent. I happened to notice it today while perusing my credit report. I want a thorough explanation as to why and how the information has been used.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (MI)

XXXX, XXXX, & Sagestream  continues to report information on me even when I specifically asked them not too. You are a reseller of consumer data information. The problem is you do not have authority or permission. I demand you remove any misspellings of my name or address that is incorrect. My name is XXXX XXXX and my address is po box XXXX XXXX XXXX, MI XXXX remove any other information that is not mine.
Consumer complaint received 2020-07-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX   XXXX, XXXX XXXX, FL XXXX Todays Date : XX/XX/XXXX JEFFERSON CAPITAL SYST XXXX JEFFERSON CAPITAL SYST XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious JEFFERSON CAPITAL SYST XXXX JEFFERSON CAPITAL SYST XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-14
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. (TX)

XXXX intentionally re-inserted 3 accounts onto my credit profile without sending proper 5 day notice which law requires advising me of such accounts replaced back on. This has caused lots of stress and denials for a loan. The 3 accounts are XXXX XXXX XXXXXXXX ( no account number that is strange ) XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2020-08-24
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: ID Analytics, Inc. (MI)

I did not authorize a credit pull from this company ( I've never even heard of this company ) and they're reporting an artificially low credit score by  over XXXX points lower than the reputable credit reporting agencies. 

One of the denial reasons for this report was " Distance between address and area code of phone '', while my address is exclusively within the boundaries of the area code that I carry. 

When attempting to access my report and subsequently freeze, the company is requesting copies of drivers ' license and social security card, which I will NOT provide to them, as they seem like an illegitimate company that was utilized by XXXX for improper credit denial.
Consumer complaint received 2020-05-05
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)

there is a account from XXXX XXXX that has been on my credit report for over 15 years and I requested it be removed from my credit report base on the fair credit act. because it as been on my report past the amount of years it would legally be allowed on my report and they refuse to delete it.
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

I'm simply trying to contact PrimeLending through the site they have assigned us which is https :  //primelending.loanadministration.com/Login There's NO CONTACT US number , email, form, or chat once logged into the site. I see no phone number ANYWHERE for customer service, and I have questions about my payoff. I have to provide this information to refinance, and I find this to be PrimeLending 's way of preventing people from calling about their payoff so they can go somewhere else. I feel captive by this company and want to get out of it. I have no idea who to contact, no information of the previous loan officer, and if I WAS going to be late on my payment or have issues with Covid, I have NO IDEA how I would get a hold of either a live person or even a form to fill out to contact them or receive contact from them. I'm at a loss, and they need to fix this. I believe they HAVE to clearly have a location where clients can feel that they have FAQ 's or ways of contacting. At the minimum there should be a place on their site for me to easily order a payoff like you can on XXXX or XXXX. For a company as large as them, I feel this is by intention, not by accident and I feel this is aproblem that needs addressed right away. 

I can't even get my full account # on the site, because it doesn't show it anywhere on the site.
Consumer complaint received 2016-02-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (MD)

M & T Bank has consistently been harassing me for the last 4 months. They call and agressively indicate that i have no choice but to provide my information when I 've clearly inidcated I am who I am. The first 3 months they called almost 4 times daily. I was delinquent in my mortgage due to a documented illness and out of work for 6 months. They offered me a forbearance despite knowing that I was unemployed and that my STD benefits were often delayed due to a delay in my medical provider provided the necessary documentation. Once the forbearance went into effect, they abruptly cancelled it when I returned to work and without notification. When I indicated that the constant calling would not immediately resolve the issue they began calling more. Then I paid them over {$3600.00} and they still failed a foreclosure notice for the remaining {$2600.00} because I failed to continue to take their harassing calls. This situation is impacting my health and the ability to continue to get well because they refuse to deal with professionally, and did not empathize or offer a amicable temporary solution when they were well aware of my medical and finance situation. I want M & T to cease harassing me, threatening to foreclose on my property even after they have been paid and ask that my mortgage been sold to another more professional financial institute.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HANCOCK WHITNEY BANK (TX)

I received printed checks and a debit card in the mail from a bank I did not open an account with on XX/XX/22. I called them on XX/XX/22, and they said they would close the account, and I should report this to the FTC and the three credit bureaus.
Consumer complaint received 2020-08-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Arivo Acceptance, LLC (AZ)

XX/XX/18 i purchased a Used XXXX XXXX from XXXX XXXX for {$19000.00} with a total Finance amount of {$23000.00} with Arivo Acceptance. 11 months into the 72 month contact, i lost my job and my father at the same time. I could not afford this vehicle anymore. I called them and explained, they offered absolutely no solution. I stopped driving the vehicle and requested they pick it up. It sold in auction for {$12000.00} and i had paid them {$5200.00} in payments. The won a civil suit and garnished my check. Taking another {$4300.00} in a matter of a few paychecks. This pushed me to the brink of becoming homeless. I did what i could to get them to stop the garnishment by making an agreement. With COVID, i was unable to meet that agreement and now they have garnished my check again. This could cause me and my family to live on the street. I guess my question is ... .how can any company force  someone to pay {$32000.00} for a vehicle that had a principal balance of {$23000.00}?? I would be in my XXXX month of a 72 month contract as of today. They have no desire to work anything out fairly and i am a victim of contractual law. I have all the documentation and facts to support everything i have written. I take accountability but there were circumstances that caused this to happen. But the reality is, if the contract was still valid, I would have around {$1500.00} left to pay on the principal balance and not even halfway through the contractual term of 72 months!!! Instead, my paychecks are being garnished, crippling my family in a pandemic for an additional {$9000.00} dollars. This is wrong and if it is allowed, i will make it my life goal to make sure this story becomes public knowledge.
Consumer complaint received 2022-09-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (FL)

I am XXXX XXXX XXXX and I have been approved in Florida for the Homeowners Assistance Fund # XXXX and they are not sending a correct CURRENT arrears amount. My lender is PNC, Bank in XXXX, Ohio. Loan XXXX. 
The Florida HAF does not communicate with the claimants, will only release INFORMATION via a separate entity who do not have any authority to communicate the system 's failings to the people who actually can make decisions and CORRECTING ERRONEOUS PAYMENTS. 
My lender will not accept a cent less than the full arrearage amount AND THAT CHANGES REGULARLY. I am going to lose my home because no one is responsible for what happens to me or my home.
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I've previously attempted to settle the matter with this company but they have ignored my requests and are now in dishonor. The Fiduciary Appointment was mailed and received by the company. According to the USPS.com tracking system checked against the registered mail number on the document uploaded, the company received the documents XX/XX/2020.
Consumer complaint received 2020-07-22
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: CAPITAL ONE FINANCIAL CORPORATION (NE)

Someone applied for a credit in my name from Capital One XXXX. I called immediately to report this as fraud and FYI credit bureaus have it documented that my fraudelent for my credit report. I have called more than 3 dozens times for Capital One and XXXX to have this corrected and they will not done this. I have sent the documentation that they were wanting not once, not twice but 3 times and this situation still in not corrected. I have filed disputes with XXXX and they open it open and closed with this no explanation on why. I have talk to supervisors to get this corrected and nothing. I had this happen 2 times on XXXX and XXXX just in the last 2 weeks XXXX   remove the Hard Inquiry for XXXX but not for XXXX. I have been working on this almost a year nothing. I have contacted my attorney. My husband and I are trying to refinance on our house and have been working on this since XXXX of last year and cant get a loan because of this 2 hard inquiries.