davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-10
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Solidus Group LLC. (OR)

Clear Credit Solutions Company left voicemail, claiming a serious claim will be filed against me if I do not respond to their call referencing a Claim number and stating that serious allegations were made against me and will be pursued if I or my representative do not respond to their call.. The company 's representative did not leave his name identifying himself or what potential claim or creditor or debt the represent. This is clearly abusive and bullying in an attempt to collect a debt. The message never stated that they were attempting to collect a debt. It stated that serious allegations have been submitted and a claim will be filed against me. The message has left me shaken and unwell as I am XXXX and have XXXX concerns. This practice is clearly in violation of both State and Federal Fair Debt Collections Act. The message has been archived as evidence that the statement I am making is accurate.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

In accordance with the FAIR CREDIT REPORTING ACT. The list of accounts I have provided below have violated my consumer rights to privacy and confidentiality under 15 USC 1681.

I recent sent a letter to Experian about inaccuracies reporting on my credit report and how these inaccuracies have affected my ability to obtain job opportunities, opening credit cards, and even auto loans. Experian sent me an email two days after receiving my letter and saying how they do not believe I am the one who sent this letter to them. 

XXXX - XXXX - This account is reporting an incorrect " Payment Status '' ( LATE 60 DAYS ) while the other two credit bureaus are showing " CURRENT '', all three bureaus are showing different " Date Opened '', " Last reported '', and " Date of Last Actie '' XXXX  XXXX XXXX - This is also reporting inaccurately - all three bureaus are reporting different " ACCOUNT STATUS '', " DATE OPENDED '', " PAYMENT STATUS '', " DATE LAST ACTIVE '', AND " LAST REPORTED '' XXXX XXXX - XXXX - This is also completely inaccurate. - The open date is reporting differently across all three bureaus, the " CREDIT LIMIT '' is reporting differently across all bureaus, the " DATE OF LAST PAYMENT '', AND " DATE LAST ACTIVE '' XXXX XXXX - XXXX - This is also completely inaccurate. - Inaccurate Info being reported across all three bureaus! The " OPEN DATE '' is reporting inaccurately, " ACCOUNT STATUS '', " HIGH CREDIT '', " CREDIT LIMIT '', " LAST REPORTED '', " DATE LAST ACTIVE '' XXXX XXXX  - XXXX - This is reporting in accurate as well, only experian and XXXX are reporting this account and both are reporting different information. " ACCOUNT TYPE '', experian is reporting open but under " PAYMENT STATUS '' this account is reporting collection/chargeoff, " LAST REPORTED '' date both bureaus showing different dates, both are reporting different " DATE LAST ACTIVE '', and experian is not reporting " DATE OF LAST PAYMENT '' XXXX XXXX - XXXX - This as well is reporting inaccurately across all three bureaus as well. " DATE OPENED '', " HIGH CREDIT '', " DATE LAST REPRTED '', " DATE LAST ACTIVE '', " DATE OF LAST PAYMENT '' and only experian and XXXX are reporting this account, exquifax is reporting " OK '' for the payment history months and experian is reporting " CO '' / CHARGED OFF '' for all payment months 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has a responsible cause to believe that the information is inaccurate. 

Please investigation and send me proof of your investigation, I want these accounts listed removed from my credit profile.
Consumer complaint received 2023-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (VA)

Rocket Mortgage sent me their annual PMI disclosure notice dated XX/XX/2023. I refinanced my mortgage through them a little over two years ago. The PMI disclosure specifically states specific criteria to be met to remove the PMI from my loan even if loan-to-value ratio remains above 80 %. 

Criteria I have met include a good payment history of two years, property improvements ( shed and garage cabinetry to be installed in XX/XX/2023 ), value of home has increased since refinancing, and no liens or second mortgages have been undertaken. Despite this Rocket Mortgage is claiming I have to have a house assessment that comes in at a value that gives me 25 % equity in the house value, rather than the 80 % figure they promise. 

In the disclosure, Rocket specifically details everything above while promising that the PMI payments can be removed even if equity value is lower than 80 %. They are being untruthful and their disclosure is making false promises that are entirely unreasonable. 

I currently owe {$350000.00} on a loan financed at a home value of $ XXXX. The current city estimate comes in at {$450000.00}, to go up approximately to {$480000.00} by XX/XX/2023. All this is without home improvements I have since made. This means my current equity ownership in the home exceeds 21 %, which would legally require Rocket to terminate the PMI at my request. Again, Rocket has stated they can terminate the PMI even if over 80 % of the loan has not been paid. 

I have called Rocket about this at least three times with no resolution in sight.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Experian is in violation of 15 USC 1681b ( a ) ( 2 ). I did not provide the credit reporting agencies with written permission to report any of these accounts that I am requesting to be removed listed below : XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXXXXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX
Consumer complaint received 2024-01-24
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: Experian Information Solutions Inc. (TX)

The failure to further and fully investigate the matter is absurd! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. I disagree with the decision as this debt is not mine, and I should not be held accountable for someone else using my information. Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : * FDCPA Section 809 ( b ) and FTC opinion letter Case from LeFevre : Fine of {$1000.00}. * Defamation, financial injury- US Court of Appeals, Ninth Circuit, No. 00-15946 Nelson v. Chase Manhattan : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. * Defamation, willful injury - FCRA Section 623 CUSHMAN v. TRANSUNION CORPORATION ; US Court of Appeals for the Third Circuit Court Case 115 F.3d 220, June 9, 1997 Filed ( D.C. No. 95-cv-01743 ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.
Consumer complaint received 2022-07-20
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: JPMORGAN CHASE & CO. (IA)

Reporting to Chase as XXXX says to contact Chase and then Chase says to contact the credit bureaus. No one CARES. 

It's been delinquent since XXXX and should be removed per FCRA. It was NEVER brought current. It was sold to another company. 

XXXX is reporting Date of First Delinquency XX/XX/XXXX regarding my account XXXX XXXX XXXX XXXX  This is shown on the attachment XXXX Chase XXXX In the same attachment, it also shows delinquency started in XXXX. I have disputed this dozens of times with XXXX and they refuse to update anything. They claim everything is verified. " We have researched the credit account. Account # - XXXX The results are : THIS CREDITOR HAS VERIFIED THAT THE DATE IS BEING REPORTED CORRECTLY '' This is shown on the attachment XXXX XXXX XXXX XXXX took less than 48 hours to review my dispute and I'm requesting that XXXX answers all my questions in the method of verification letter attached named XXXX XXXX-Chase-XXXX XXXX  48 hours seems awfully quick to verify a dispute for something that has ruined my credit report and financial situation for many years. Per the FTC website. https : XXXX Section Delinquent Accounts FCRA 623 ( a ) ( 5 ) ( A ) There are several examples shown under the FCRA that describes my situation. Please review the FTC website I have shown above for clarification. My account became delinquent in early XXXX and was never brought current. Meaning the correct delinquency date is early XXXX and NOT XX/XX/XXXX. XXXX is incorrectly reporting information on my account and also it should be completely removed as it's been 7 years. I have time and time proven this a dozen times over the past years and every single time XXXX doesn't even make an effort to review the case.
Consumer complaint received 2020-06-01
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. (FL)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

My Chime debit card was debited after I had already paid XXXX XXXX XXXX XXXX using my XXXX XXXX XXXX  Account! They Charged me for {$4000.00} on XX/XX/XXXX across both accounts as seen in the screenshot I sent to chime disputes. My dispute was declined after showing clear proof and evidence that this company double charged me.
Consumer complaint received 2020-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I had a prior collection dispute with Equifax for this same account that XXXX XXXX was inaccurately reporting. The account was successfully removed from my credit report after several disputes with the credit bureaus and a CFPB complaint was filed under ID XXXX and XXXX Now, the same account has illegally been reinserted onto my credit report under a different collection agency, XXXX XXXX XXXX. This is another FCRA violation. I did not receive any formal notice from this collection agency or Equifax.
Consumer complaint received 2021-04-29
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. (GA)

I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX, XXXX  XXXX DOB XX/XX/1985 I found an incorrect spelling of my name XXXX XXXX XXXX is my only name please delete any other version. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My initial complaint was filed against XXXX XXXX and Equifax for not updating my report to include recent payoff accounts and for adding an account that was part of bankruptcy several years ago. The information has not been investigated and I'm told my dispute was closed, yet this agency is reporting that they are working on the issue. Instead of handling my dispute I was sent letters requesting me to verify my identity as a method to stall or dismiss my process in retaliation for my filing a complaint with you. There isn't any need for me to verify my identity when it's already been verified through postal services change of address. And my information hasn't had to be verified because all of my information is current. I want someone to please look into sly tactics to ignore my dispute and keep wrong information on my report.
Consumer complaint received 2022-02-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation (TX)

I have a secured title loan with One Main Financial. XXXX XXXX XXXX XXXX XXXX I was late on my payment a few days. XXXX, a worker for One Main Fin. called me about the payment. I told her my situation. She started yelling and told me to bring the car to them. I had the car towed to them. She acknowledged that she did have the car and the keys. Now One Main continue to call me and won't acknowledge taking my car. I also had insurance as well as unemployment insurance on the loan. They refused to allow me to file a claim
Consumer complaint received 2021-12-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc. ()

Hello XXXX months ago, my account was frozen by paxful This happened when I wanted to withdraw my money from the site as an etherium. 
I received an error when I requested the withdrawal. The text of the error was : The transaction was canceled due to sending money to the risky wallet address. 
After this incident, my account was frozen. During these seven months, I informed the site support many times and asked them to solve my problem. But each time, they just told me to wait, your account is being checked. 
I feel like they are scammers. Because checking an account does not take more than a week.
Consumer complaint received 2022-02-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I XXXX XXXX are writing a letter of explanation for the errors that Nissan Motor acceptance group billing department has made on my XXXX. I have made all payments on time and also made large payments that they misplaced and didn't apply accordingly. My credit score dropped substantially I was in the XXXX now am in the XXXX 's also currently are in escrow I talked to numerous amount of staff in NMAC so they can resolve this matter with all credit bureaus and said there not going to. I want them to be held accountable and fix there mistake.
Consumer complaint received 2015-03-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Synovus Bank (MD)

Ordered a First Progress Credit and submitted {$500.00} as security in XX/XX/2014It took a many weeks for them to process the card. 
I never went over the credit limit set with my deposit of {$500.00} but they immediately started charging fees and interest on my money. 
I called to ask about this and was told that is their policy. I cancelled the card in XX/XX/2014. They continued to send me bills. I called again and sent them a letter in XX/XX/2014 to again try to cancel. They sent me a letter agreeing that they would cancel. They said I owed them Approximately {$60.00}, how I do n't know since it was my money. 
I reluctantly agreed and they said they would send me a final bill. 
It is now XXXX and I have called a number of times. They continue to send me bills adding on interest and charges even though account was closed. 
They are very unresponsive and I feel that this Company is scamming people. 
They are very untrustworthy and prey on people trying to reestablish their credit.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have new information pertaining to a complaint I submitted to XXXXXXXX XXXX on XX/XX/2022. This original complaint also involved Equifax, XXXX, and XXXX because there was inaccurate and unfair reporting on my consumer report. Equifax responded to a complaint I sent them on XX/XX/2022. They responded on XX/XX/2022. In their response they stated that they initiated an investigation with the furnishers. Pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A ), XXXX XXXX  needs to conduct a reasonable reinvestigation. Also, pursuant to 15 U.S.C 1681s-2 ( B ) ( i ) and 15 U.S.C 1681s-2 ( B ) ( ii ), XXXX XXXX  has to stop furnishing inaccurate information.
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I have several times been unable to verify my identity by phone ( e.g. when traveling ) after answering several " identity verification '' questions. This has happened with XXXX different credit card companies. I have checked my credit reports and scores and while there are minor errors, my scores are good and there is no evidence of identity theft. I was unable to verify my identity to get the credit reports, however, and had to go through a friend who made a business inquiry to get the report. I am at a loss as to what to do : I suspect this is inaccurate information on one of the credit bureau 's identity verification products but I have no idea - the credit card companies ( XXXX, Bank of America ) wo n't tell me even which product they use to verify my identity. What do I do?
Consumer complaint received 2023-05-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2016-03-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

When I signed the papers, every time it said no penalty for early repayment, the agent put his finger on the page to point that out, so his finger hid the next line, which said : but you still have to pay the interest for the full term.
Consumer complaint received 2015-11-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (WA)

I received threatening phone calls and letters plus a lawsuit was filed, when I disputed the claim to debt. They are not the original debtor and their information is wrong. They did not provide me with enough information and threatened to take action if I did n't respond within 30 days. They refuse to give me their street address when I phone them so that I can have them served. They were very rude on the phone and would not provide information.
Consumer complaint received 2023-05-09
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: BARCLAYS BANK DELAWARE (NY)

According 15 USC 1681b ( a ) ( 2 ) I did not give this company any written instruction to check my report. Please send me proof with my written permission with my signature stating that I gave you permission to obtain my consumer report/credit file. company name : BRCLYSBANKDE/ Dates : XX/XX/XXXX and XX/XX/XXXX. 

Remove immediately, this is in violation of the FCRA
Consumer complaint received 2019-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

PRA never sent a fraud/identity theft affidavit as they stated on XX/XX/XXXX as they stated on their response to complaint # XXXX.The accounts mentioned on their response i have no knowledge of and they have failed to provide adequate debt verification. PRA is reporting fraudulent accounts under my name to the credit bureaus.
Consumer complaint received 2015-08-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAVALRY INVESTMENTS, LLC (IN)

Debt was included in CH XXXX BK. They have called me 6-7 times these past few months trying to collect this debt. This is very illegal. I have phone documents to prove this. They deserve to be fined, and Deserve a settlement. 

I have phone records showing the incoming calls from them. THIS IS HARASSMENT!
Consumer complaint received 2015-04-14
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a loan and it was bought from Shore Mortage by Country Wide and Country Wide was bought by Bank of America. I kept paying my loan every month on time for the last four years and than Bank of America sold sold the loan to XXXX XXXX. I filed for chapter XXXX bankruptcy in 2011 and was told I can keep my house and when I went to court and got discharge it was reaffirm that I will kept my home. Bank of America sent all XXXX credit bureau my account and told them it was part of the bankruptcy when it was n't. I wrote to the XXXX credit bureau 's and send them a copy of all the document from the court but the wo n't remove it from my credit report because they said Bank of American keep telling them it is part of the Bankruptcy.