davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Assoc - {$730.00} Date opened XX/XX/2020 In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting.

It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This account was charged off on the following date ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc. (TX)

I, XXXX XXXX, consumer, natural person, and the original creditor of an open end credit plan, received a letter in the mail from a debt collector. This is mail fraud pursuant to 18 US Code 1841. I am making this complaint against ARS NATIONAL SERVICES INC. for committing identity theft. I have never given ARS NATIONAL SERVICES INC. any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe them. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ARS NATIONAL SERVICES INC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ARS NATIONAL SERVICES INC. continues its collection efforts, I will file for litigation for actual damages caused and ARS NATIONAL SERVICES INC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and collection of extensions of credit by extortionate means. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I was forced to pay a debt that wasnt mines. I ask to send the contract that matches my address and they didnt. I was told that that debtvwas at my current address which is frivolous. I dont have never had XXXX
Consumer complaint received 2022-12-07
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: Source Receivables Management LLC (MI)

XXXX is falsely reporting on my credit bureau reports. When they havent been doing so since day one. Which is in violation of the fair debt credit reporting act.
Consumer complaint received 2021-08-04
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: Experian Information Solutions Inc. (TX)

I have disputed these items on several occasions and no one at any of these credit bureaus are responding back and they can no longer say that they are short staffed. Please have these credit bureaus to do their job and have these derogatory items deleted immediately.. This has caused me not to be approved for my mortgage. 

XXXX  XXXX-Unverified account- Delete immediately XXXX XXXX  XXXX Unverified account- Delete immediately XXXX- XXXXUnverified Account- Delete immediately XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX XX/XX/XXXX
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Ive sent letters to XXXX XXXX XXXX and Credence Resource Management ( XX/XX/XXXX, XXXX + XXXX of XXXX ) asking them for proof of original contracts with my signatures showing where I agreed that I was liable for the debt they are attempting to collect. To no avail, I spoke with representatives from both agencies XXXX XXXX at XXXX and several reps with American names to avoid any personal legal action against them but it is clear these individuals are from XXXX, names like XXXX XXXX, XXXX XXXX, and XXXX XXXX at XXXX on XX/XX/XXXX regarding debts I was informed I owed and after sending out letters on the same day XX/XX/XXXX - same day of phone call, again I was met with a copy of a bill and balance from both agencies ( two different creditors one being XXXX XXXX XXXX XXXX XXXX  Credit Card - {$470.00} and the other XXXX - {$630.00} ) but no documents, paperwork, or contracts with my signatures or proof showing where I am legally responsible for the debt owed or proof that it is in fact my debt. Ive also sent letters to XXXX, XXXX, and XXXX  asking them remove this incorrect, inaccurate information but they are still reporting this information. I filed a complaint with the FTC to report these accounts that dont belong to me XX/XX/XXXX and still this negative information is reporting and is preventing me from securing new lines of credit, employment and housing opportunities. I really am trying to avoid a legal suit but feel like this may be my only recourse.
Consumer complaint received 2021-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Hello, Once a year there is a payment that is not received by the lender or the lender places insurance on the account and creates this cascading of events where the lender places insurance on the account or sends notices about missed payment ( s ). I will send payments or upload information and it never really rectifies the problem. There seems to be a personal attempt to ruin any attempts on my part to stay in compliance regarding my agreed upon requirements. This has been going on since XX/XX/XXXX with the transfer of my loan to XXXX XXXX up until this point with Shellpoint. It was during the beginning of XX/XX/XXXX, the harassment intensified with the allegation that I did not submit insurance documents and has not been resolved as of this date. The mortgage company never removed the insurance placed insurance off my account and the payments never resumed after multiple calls and email attempts which documentation was supplied. The mortgage amount is supposed to be {$1.00}, XXXX and it changed back to the correct amount in XXXX and XX/XX/XXXX after they agreed the information was received after essentially calling me a liar, just for a few months later for them to indicate it was not received. Earlier this year, they did not issue a payment voucher, although I submitted payment. XX/XX/XXXX, a payment was mailed and they refused to cash the payment and the payment for XXXX was receive based on my tracking information from XXXX.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (AL)

Spring Oaks Capital has bought my debt from XXXX XXXX  and reporting it as a new debt. This debt is over three years old and has been reported as charged off then. They are reporting it was opened In XXXX of this year. This is false. They are trying to collect {$650.00}
Consumer complaint received 2022-07-25
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. (FL)

This is my XXXX endeavor that I am a victim of identity theft and I complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$11000.00} ; XXXX Inquiry Date XX/XX/2021 ; XXXX  Inquiry Date XX/XX/2021
Consumer complaint received 2022-10-18
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. (AR)

It has been a battle going through all these and yet the Credit Bureaus have grown negligent of their duty to comply with the Federal statute, Fair Credit Reporting Act. I have been trying to correct my Credit File by asking the Credit Bureaus to remove the negative late payments from my Credit report since these information are misleading and inaccurate. I never missed a single payment and yet the Credit Bureaus are still reporting these accounts as late despite the fact that I never missed not even as single payment. I tried contacting the Creditor and Data furnishers of these accounts and it is only a matter of time before they respond and prove to the Credit Bureaus that the information they report are inaccurate. These indifference of the Credit Bureaus have caused me to suffer from erroneous reporting. I am submitting this CFPB Complaint once again to request to the Credit Bureaus to correct the payment history and remove all negativities from my Credit File. I need the Credit Bureaus to correct the following accounts 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 2022-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (CA)

I am a Robinhood account holder for many years now. I never had any problems receiving my monthly retirement transfers from abroad and using such money for my usual expenditures. It turns out that by the end of XX/XX/2022, some criminals were able to clone my debit card and pin and use it to withdraw money from my account in another city far from my home. I made a Police Report turned it over to Robinhood, disputed the charges, and receive back the money taken from my account. Without any issue. On XXXX the XXXX, when my retirement arrived in my checking account I tried to make a purchase, which was declined by Robinhood, and soon after my account was placed in restricted mode. That means all my money is frozen. I can't withdraw, transfer, or buy stocks or crypto. As I try to talk with Robinhood support all the agents tell me that only the internal department of Robinhood can actually give any information and they only communicate using emails. And they close the chat or end the phone call with me without any more information about how long this department will take to unrestrict my account, what they need to unrestrict my account and the most important question : why they restricted my account.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I submitted a complaint on XXXX XXXX, 2021 against Bank of America because they have charged my checking account for 3 NSF charges for a total of {$100.00}. Recently, I noticed another {$35.00} fee I was charged on XX/XX/2021 all of which were removed from my bank account by Bank of America during a time when our country is experiencing a pandemic. This brings my new total of fees charged to my account to {$140.00}. I filed a complaint prior to this one and was contacted by XXXX XXXX Resolution Specialist at BOA. Ms. XXXX emailed me and said she was my point of contact until this matter is resolved. The only problem with that is I have called her on 2 different occasions to confirm I am the party who engaged the CFPB for assistance in getting this matter resolved as she instructed me to do before XXXX XXXX, XXXX.She, further, said she would be responding to my concerns via secured email and asked that I follow instructions in that email to access their response. I have NOT heard another word from Ms. XXXX either by telephone or secured email and have since sent her 2 emails and left 2 voicemail messages at the number she provided to me as her contact #. She, further, states that either her or one of her colleagues will return my call within 48 hours. No return call, nothing at all.
Consumer complaint received 2021-09-01
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: Experian Information Solutions Inc. (MD)

Because of the XXXX  credit breach back in XXXX  I had over 43 XXXX  XXXX credit cards put into my name I called the company and they said yes because of the breach they would wipe everything out but when I tried to dispute all of them on my credit report it took me over 3 years to get most of them off there are still 6 on there and they will not take them off my credit score has gone down significantly and it was not my fault I have been dealing with this over three years and it has been a struggle
Consumer complaint received 2019-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc. (NY)

I have never received my consumer report from ARS ( Advanced Resolution Services )! 


I have been trying to get that since 2017! 



At least 2 companies did adverse actions to me citing ARS! 

Is that the tip of the iceberg? 

What if more companies did adverse actions because of ARS and I don't know about it yet????
Consumer complaint received 2022-07-29
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

There was a clear violation of regulation F that regulated the frequency of call during a week. Just today I have been called over 7 times. I have tried to contact this company several times but numbers that call do not work. When the call they do not have a person answer the call ; there are times when the call is connected but one answer. 
The collection practices are unethical. The action that occurred on XX/XX/2022 violated Texas Law, TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION. Sec. 392.302. HARASSMENT ; ABUSE, ( 2 ) placing telephone calls without disclosing the name of the individual making the call and with the intent to annoy, harass, or threaten a person at the called number ; ( 4 ) causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number.
Consumer complaint received 2019-12-08
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MN)

I began working on a VA interest rate reduction refinance loan with Freedom Mortgage who is also my current lender. When we reached the time to began closing the loan I noticed the payment would be {$100.00} higher than my current mortgage. The lender stated it was due to the adding requirements for flood insurance. I currently have insurance without flood insurance from the origination of the loan. It was reviewed at that time flood insurance was not required. I let the lender know this is not what we agreed to and to cancel the loan. He checked with his Vice President of Freedom Mortgage who argues that I need to take it up with FEMA. The attached document clearly states flood insurance is not required in my area and this document was provided by the mortgage company. I also have a map of my location and an email from the city engineer who have validated that we are not required to have flood insurance. I have attached my conversations with the loan specialist, what the VP said, the maps provided. 

Hi XXXX, Mayor XXXX talked to me about the issues you were having regarding potential flood insurance, and asked me to look into it further. I pulled the official FEMA floodplain map for your address, which is attached. This map shows that your property is located in XXXX XXXX XXXX, which is not a Special Flood Hazard Area ( SFHA ). All land is given some sort of designation, which can be confusing. The determining factor should be if a property is located in a SFHA, as mentioned is section D of the flood insurance certificate they provided you. Feel free to give me a call to discuss further. 

Thanks, XXXX XXXX, XXXX XXXX XXXX XXXX/City Engineer City of XXXX XXXX Direct : XXXX | XXXX General : XXXX | XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX
Consumer complaint received 2022-10-18
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. (MO)

How many dispute letters and CFPB Complaints do I have to submit to the Credit Bureaus in order for them to remove the disputed fraudulent accounts and information completely from my Credit File? I previously sent dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus remove the disputed fraudulent information that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and remove any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 5 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please remove the following accounts from my Credit report in accordance with the Fair Credit Reporting act section 605b : 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 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XX/XX/XXXXnquired on XXXX XXXX, XXXX