davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and I am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes I sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who I am.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CO)

On or around XX/XX/XXXX I received a call from a PI regarding my auto lease of a XXXX XXXX XXXX. Account was not late, I was provided the incorrect account number by an overseas representative. I was facing a repossession for payments that were made to an account that was not mine. I was promised all late fees were going to be removed as well as the derogatory marks made on my credit. I was told over a recorded line by a rep in your repo department that I should place the car in my garage until the payments can be taken from the account I paid and be credited to my account. He said this would take 24 hours. I had to call out of work the next day so my car did not get repossessed and I could leave it in the garage. I drove around hopeless for 2 hours on the phone as I feared stopping the vehicle and getting it taken from me for making my payments. Fast forward, my lease is messed up and the account stays in a derogatory state. They made me make a payment the night I spoke to them but the payment was always a month behind. I understand there was excess wear and tear and over mileage on the vehicle. On the bill there is a repossession fee ( vehicle was never repossessed ), late fees that were promised to be waived, and one remaining payment which was made. I am not willing to pay these fees. 
I will be willing to pay the mileage and wear and tear fees at a settled amount to remove the balance off my credit and show the lease as 100 % satisfied. I have done multiple disputes with nothing back. The information shows different on each bureau as well.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (MA)

I have a mortgage with OCWEN mortgage company whom I believe changed their names a number of times : Option One ... and other names. However, About 5 years ago I modified my mortgage with them and they claimed I would get a lower interest rate that would start at 2percent and gradually increase to 5 percent. They said nothing about a balloon payment of XXXX, ooo due at balance of loan. This was deception, greed and misleading.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I, XXXX, XXXX XXXX, federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and XXXX XXXX XXXX, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX, XXXX BXXXX XXXX XXXX XXXX XXXX XXXX are all financial institutions by definition under that title. 

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer. 

I am the card holder which was issued to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX so that I can receive a open end account with them ; to receive payments with them and defer. 

I have opted out and rescinded any authority I may have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report about me to any 3rd party, and I have a right to privacy, which is attached to this complaint. 

TransUnion needs to provide strict proof that the alleged creditor ( XXXX XXXX XXXX XXXX XXXX ) is, indeed, the secured party and holder in due course of the aforesaid alleged original agreement in issue and has an enforceable perfected security interest therein pursuant to and in compliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

TransUnion and its affiliates listed above are also in violation of the previous conditional cease and desist what was attached to the complaint ( s ) and Opt Out Notice ( s ) which have not been honored.

Ive requested my consumer file numerous times and haven't received it, only my consumer report which still shows inaccurate non-public information. ( proof has been attached ) Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist/Settlement offer Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification ) Power of Attorney/ CAF Notice/ Fee Schedule Invoice
Consumer complaint received 2016-06-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ESCALLATE, LLC (IL)

XX/XX/2015 I was injured at work, laborer for the City of XXXX and received medical treatment at XXXX Hospital. When I arrived I brought them a " blue card '' which is the alert for the city to handle the injury bills as well as the doctor and nurse signed off that i was hurt on the job. The City and XXXX have a contract that XXXX services all it 's employees and bills only the City if within working hours and if deemed a work injury. the bill was moved to Escallate , LLC and has been on my credit for several months. Due to the contract between XXXX and the City, I am not responsible for the bill.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.I disputed these inaccurate items over XXXX  days ago and your agency failed to notate that it was disputed which makes your agency in violation of 15 USC 1681s-2 ( 3 ) 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate. 
XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within XXXX  days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

XXXX. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately It is my understanding that you will recheck these items with the creditor who has posted them. I want ANYTHING that CAN NOT BE VERIFIED by them to be COMPLETELY DELETED from my credit file ASAP. I understand that you have XXXX  days to complete your investigation once you get this letter. If you can update me even sooner, that would be great
Consumer complaint received 2016-06-08
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (AZ)

Sirs-I am a XXXX here in Arizona and understood that under the new regulations you in part promulgated that we are not allowed to give discounts to our fees for any mortgages we originate. The reason I say this is that as you can see from the attached Wells Fargo, our competitor, is doing just that with the XXXX XXXX XXXX. If this is allowed then are we allowed o do the same to groups such as these? I have heard as well of other companies doing this for emergency first responders, teachers, etc., ( I can furnish names of these companies is need be ). We would like to do the same. Please advise.
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (NV)

I have written to this company and the previous alleged owner of this debt ( XXXX ) XXXX times and I have not received any response and/or verification of this debt. This account was previously owned by XXXX and they have now notified me that LVNV Funding has bought this EXPIRED debt. I verified with XXXX, XXXX and XXXX that this company and the previous company had not verified this debt in accordance with FDCPA section 809 A & B. No signed contract, canceled check and accountings as requested per my XXXX and XXXX letter to verify this debt was ever received. Also, please be advised the STATUTE OF LIMITATIONS for this account has expired. Also, this company allegedly purchased the debt on XX/XX/XXXX. This is NOT the date where the statute begins for an open ended account. This is an expired debt. The State of Nevada has a Statute of Limitations of XXXX ( XXXX ) years. This is an alleged debt from XX/XX/XXXX. As of this date, I still have Not received any paperwork, and/or verification of this debt from neither company the previous alleged owner : XXXX or the new company LVNV Funding , LLC.
Consumer complaint received 2022-02-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Dear Consumer Financial Protection Bureau, LENDER : SPS SELECT PORTFOLIO MORTGAGE ACCT # XXXX DOCUMENTS ATTACHED : ASSIGNMENT OF MORTGAGE RECORDED IN ERROR XXXX RECONVEYANCE LIEN RELEASE FOR THIS LOAN " SAME INSTRUMENT NUMBER '' SHOWING PROOF THIS LIEN HAS BEEN RELEASED GRAND DEED SHOWING NEW OWNERSHIP IN MY NAME I'm writing to request an assignment of mortgage recorded on my property in ERROR by SPS Servicing , INC . I've been communicating with them since XXXX to have this removed and have not yet received confirmation. 

THE ASSIGNMENT OF MORTGAGE THAT WAS RECORDED IN ERROR was just recorded XX/XX/XXXX after purchasing the home in XXXX. This is a past mortgage from the previous deceased owner from XXXX. I'm also receiving mortgage statements and unwanted mail to my home in the prior deceased owner 's name regarding this loan. 

This is putting a huge financial distress and burden on our family 's life. We can not sell or refinance our home until this matter is fully resolved and the assignment is REMOVED! 

I look forward to getting this removed from my property as soon as possible and resolving this issue. 

Please feel free to contact me if you have any questions or concerns or need any additional information.
Consumer complaint received 2017-04-06
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: National Credit Adjusters, LLC (CA)

I received an email threatening from XXXX indicating they will sue me if I do not pay for a debt I have no clue about in the amount of {$1300.00}. This company have never once notified me with validation of this debt via usps mail, and I do not know what debt they are referring to as I never heard of them.
Consumer complaint received 2016-02-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Altisource Portfolio Solutions, S.à r.l. (KY)

I have called Nationwide Credit , Inc. to get a physical address to send a cease and desist notice and validation notice. This company refused to give me the address, preventing me from sending a certified mailing to insure receipt of my letter.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

This complaint is related to previously filed complaint ID : XXXX. 

Chase sent me a letter stating that they will not contact me again. However, my complaint is mainly of the fictitious balance of {$3200.00} that I never owed. I disputed it but they never responded.

Chase didn't address it.

I wanted them to the accounts straight ( clear it off ) and set my credit history straight. 

In my opinion, this is corporate greed and a fraud.
Consumer complaint received 2015-04-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP (CT)

On XX/XX/XXXX I paid {$3000.00} to my credit card. My payment was applied towards a balance {$4000.00} with 0 % APR that will be expired on XX/XX/XXXX. I nave {$1100.00} balance with 0 % APR that will be expired on XX/XX/XXXX, but nothing from my payment was applied towards this early expired balance with 0 % APR.
Consumer complaint received 2015-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Regional Adjustment Bureau, Incorporated (MI)

I get multiple daily phone calls from the number XXXX that are hang ups or messages left to call. After researching the number I found a website where many other people experienced the same treatment or worse from the company who makes these calls. It is a debt collection company whose name I have listed below. 
Regional Adjustment Bureau , Inc. 
Phone : ( XXXX ) XXXXXXXXFax : ( XXXX ) XXXXXXXXAddress : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXXI received my credit report only weeks ago and have no outstanding debt so I do n't know why I am being continually harassed daily by this company and how they are allowed to continue.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-09-03
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: EQUIFAX, INC. (PA)

I have tried to get these items corrected with the credit reporting agencies back in XX/XX/2022. I recently noticed that they still have not deleted the items i reported to them that were wrong. I am requesting again that these items be deleted from my credit report asap. because they are hindering my mode of living and causing me from getting a mortgage. I have reported this to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident.
Consumer complaint received 2015-09-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Unable to dispute on Transunion without paying a fee for additional services. I was able to dispute on XXXX and XXXX with no issues. I have a charge off for credit cards and I did not apply for those accounts. They belong to an ex and are part of her bankruptcy claim ... Thank you in advance for you assistance.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I notice there are unauthorized credit inquiries made by the companies listed below.. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. 


EQUIFAX MORTGAGE SERVICES XX/XX/XXXX CXXXX 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 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 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 XXXX XXXX
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have tried to get these items corrected with the credit reporting agencies back in XX/XX/2022. I recently noticed that they still have not deleted the items i reported to them that were wrong. I am requesting again that these items be deleted from my credit report asap. because they are hindering my mode of living and causing me from getting a mortgage. I have reported this to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-04-07
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. ()

In 2008 I was awarded a judgement against Washington Mutual and XXXX XXXX in 2008 in the XXXX Cook County Courts for predatory lending and origination and servicing fraud. Two months later Washington Mutual went into bankruptcy and the FDIC became the receiver. I submitted a Proof of Claim and was approved. However up to now the FDIC has not had the funds to make me whole. They claim that XXXX XXXX has a XXXX dollar claim and have no additional funds available for smaller creditors. What options are available to me as a small claimant, the judgement being less than {$50000.00}? Senator XXXX 's office has contacted the FDIC on my behalf to get this information for me, but has been unable to do more. 
Thank you for your assistance.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (OH)

These company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusionsexcept as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the above LATE PAYMENTS from my consumer report, the agency is in violation of 15USC 1681 Failure to respond satisfactorily with deletion of above referenced account, and send out a free copy of my credit report after changes have been made, will result in legal action being taken against your company. For which I will also be seeking {$1000.00} per violation for : 1 ) Defamation of character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections Practices Act 15 USC 1692g violations 4 ) Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]