davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC. (NC)

XXXX - Closing on my mortgage with Arvest Bank account XXXX XXXX - Monthly mortgage payment came out of my checking account via the automatic withdraw that had been set up XXXX - called Arvest bank and agent advised i will be reimbursed via my checking account the monthly mortgage payment that came out by mistake. Provided my checking account and routing number for reimbursement Week of XXXX called 2x and told i will be getting reimbursement soon XXXX - called again as no reimbursement received. I was told a different story that my reimbursement for my mortgage payment will be with my escrow reimbursement and check will be mailed next day. I was told a total of {$3500.00} will be reimbursed for escrow and payment that came out incorrectly. I provided my new address as the company was planning on sending the reimbursement to the address of the home i sold. 
XXXX - No reimbursement received. On hold with the bank again for 1 hr and told my issue has been escalated. Asked to speak to a manager and told that i could not be transferred to a manager and that a manager will call me back.
Consumer complaint received 2022-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: World Acceptance Corporation (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

WORLD FIN XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC. (MS)

COMPANY KEEPS CALLING BUT WILL NOT GIVE ME ANY INFORMATION OTHER THAN I OWE A DEBT AND THAT THEY ARE TRYING TO COLLECT. THEY ALSO KEEP ASKING ME TO CONFIRM OR GIVE MY FULL SSN, DOB AND MAILING ADDERESS. 

THEY ARE CALLING THEMSELVES THE VIRTUOSO SOURCING XXXX WHEN YOU CALL THE # YOU ARE TOLD TO GO ONLINE TO XXXX OR TO WAIT FOR AN AGENT. 
THE WEBSITE TAKES YOU TO A PAGE THAT IS FOR SALE AND UNREGISTERED.
Consumer complaint received 2022-02-07
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. (FL)

This is not a regular complaint, as Ive now filled a complaint with the federal trade commission and the XXXX XXXX XXXX as well. This is becoming extremely unacceptable and I demand these accounts be deleted immediately. Ive sent in multiple letters and even have tried calling an enormous amount of times to the credit reporting agencies. XXXX, XXXX, and Experian refuse to abide by the law and Im demanding something be done about this. It has been a very stressful process, their infringing on my right to privacy and has now cost me thousands of dollars. Ive never given any consumer reporting agency the right or ability to furnish ANY information of mine. Please have them delete these accounts as I will be forced to file for litigation due to the damages and stress caused.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CO)

- I received a CARES Act deferral offer from XXXX Arvest Central Mortgage Co., dated XX/XX/XXXX. I Accepted the offer by signing and mailing it to XXXX on XX/XX/XXXX. 
- Thereafter, I received a Mortgage Statement from XXXX  dated XX/XX/XXXX. Under " Explanation of Amount Due '', it showed a " Regular Monthly Payment '' of {$2400.00}, which I paid by mailing a check to XXXX on XX/XX/XXXX. 
- The Mortgage Statement also said, " You have agreed to a Trial Modification ; please continue to make payments according to the schedule you were provided '' ; but I had not yet received any notice regarding trial modification. 
- Thereafter, I received another letter from XXXX dated XX/XX/XXXX. It stated, ( i ) " You are approved for a Trial Plan to Modify Your Mortgage Payment '' ; ( ii ) " Send your first trial period plan payment of {$1300.00} to accept this offer '' ; and ( iii ) " if you submit your first trial period plan payment by XX/XX/XXXX, follow this schedule for your second and third trial period plan payments. '' - On XX/XX/XXXX, I sent the first trial period payment to XXXX and on XX/XX/XXXX I sent the second trial period payment to XXXX 
- On XX/XX/XXXX, I received a call from XXXX  confirming ( i ) that the XXXX checks had been received, ( ii ) that the funds received had not been applied and ( iii ) she did not know why the funds had not been applied but ( iv ) she would transfer me to someone to address the problem. 
- After a long hold, the agent told me that no one was available, but someone would contact me. I told her it that it was difficult for me to receive calls due to my work, so XXXX should mail or email me stating how the problem would be resolved. It has now been over a month and I have not heard from XXXX.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

Upon reviewing my consumers report, I noticed there were XXXX accounts listed that are not mines. Here are the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-02-07
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: EQUIFAX, INC. (TX)

To whom it may concern, in complaint # XXXX, I had outlined and provided documentary evidence showing false, incorrect report data with missing data points, and over XXXX months of reported payments after the account has been paid and closed. Instead of correcting the issue, Equifax denied my CFPB dispute and stated that is was sent by a 3rd party. They also said that they will not dispute any further disputes from me and didn't explain any details or specifics on what made my CFPB complaint look like a 3rd party submission. I submitted the enclosed complaint # XXXX to Equifax using my android device. Is it against CFPB and XXXX compliance law to have a 3rd party submit a dispute or complaint on my behalf? What does Equifax see in my complaint that I attached, that would constitutes their refusal to investigate, and/or correct their inaccurate reporting?
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XXXX XX/XX/2021 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Consumer complaint received 2022-10-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

NOTICE OF BILLING ERROR. NOTICE OF VIOLATION OF PRIVACY. NOTICE OF IDENTITY THEFT. NOTICE OF FRAUD. Capital one bank sold consumers non public personal information to the credit reporting agencies. Pursuant to 15 usc 6802 obligations with respect to disclosures of personal information covers disclosures that needs to be disclosed conspicuously to inform consumer and not force undue influence by way of CAPITAL ONE BANKS willful noncompliance to the laws and disregard of consumers privacy rights. unalienable XXXX given rights that the consumer will not waiver. Consumer was never given the proper disclosures required to make the proper decisions based on family personal household needs. XXXX breached its obligations to report fair and accurately on the consumers behalf by not performing its grave responsibility and being willfully negligent in acquiring the proper disclosures necessary to furnish such information. No written consent was giving to CAPITAL ONE BANK or XXXX. These violations to the consumer has caused severe emotional and financial damages that has hindered my natural progression and caused a restraint in trade and commerce pursuant to 15 usc 1. Show proof and prove that you have consumers written consent to steal and damage consumers life and take away liberties granted from XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

All three credit bureaus XXXX XXXX Trans Union are showing my Student loans with balances in which my loans has been paid in full. This adverse information is harming my credit report with this inaccurate information reporting.
Consumer complaint received 2022-07-18
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. (CA)

XXXX XXXX XXXX XXXX sold this assumed Debt to XXXX XXXX XXXX, which they then have since been reporting a collection to my consumer report. This was done with out following federal Laws such as Fair Credit Reporting act and Fair Debt collection practices act. My Rights to privacy as a consumer were violated nor did i give written Instructions to do so, Which are Both required by Federal Laws. I would Like for my consumer report with all 3 Credit reporting agencies reflecting the collection removed and updated to my report as Paid as agreed. 


Original assumed Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX In accordance with the Fair Credit Reporting act and Fair Debt Collection Practices Act XXXX XXXX XXXX XXXX has violated my Consumer rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : the term " consumer report '' does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 s-2 7 ( e ) No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

15 USC 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Violation of The GLBA ( Gramm-Leach-Bliley Act )
Consumer complaint received 2023-04-21
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name XXXX XXXX OF XXXX XXXX Account XXXX Account name : Untitled Account XXXX Account name : FAMILY LA CO Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-29
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. (FL)

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Dear Customer Service, I am writing this to you to demand and request to remove the account of Portfolio Recovery Associates name and any associate account from all of my credit reports : XXXX, XXXX and XXXX. 

I want to demand to REMOVE all accounts under their name or any account related/associate to them or they trying to collect ; to be removed from all of my credit report. 

Reason : They don't stop of harassing me by sending me multiple letters of the account they allegedly they said I owe to them after cease and desist. 

Again, I have never singed any contract directly with them. They did not provide nothing to me to proof I owe them this money directly to them : For example : Chain of title/assignments, contract signed my me with my wet ink that I allegedly owe this money to them. The complete and signed contract for the debt obligation ; that are licensed to collect on a debt in the State of New York or proof of Good Standing under the laws of XXXX XXXX and the Secretary of State just to mention a few. 

Specially that this account does not pertain to them as Creditor, I want to request the removal of Portfolio Recovery Associates from all of my credit reports. 

I will appreciate if it is possible that CFPB report this request to the credit Borough which is : XXXX, XXXX and XXXX, This is a violation is in violation of FDCPA. 

Again, Please remove of my credit reports Portfolio Recovery Associates from all and any account reflecting to all of my credit reports. 

I will greatly appreciate it your assistance on this matter. 

For many years I am been affected emotional, mentally and physically from this people harassments. I want to put an end of this pain and suffering they has causing me as this is aggravating. 

I am very tired of this back and forth with them!
Consumer complaint received 2024-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 knows or has reasonable cause to believe that the information is inaccurate.