davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (GA)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX HELVEY & ASSOCIATES IN XXXX To Whom It May Concern, XXXX XXXX XXXX Director of Compliance and Corporate Training Helvey & Associates ( PLEASE RESPOND VIA CFPB AS THE ADDRESS YOU CLAIM IS NOT MY ADDRESS, SINCE I AM A VICTIM OF IDENTITY THEFT LIKE I TOLD YOU IN MY LAST CFPB : XXXX ) Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XX/XX/XXXX AND XX/XX/XXXX has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question **Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible. A BILL WITH NAME AND FRAUDULENT ADDRESS IS NOT SUFFICIENT. 

Thank you. 
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2021-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was the victim of a crime, which included having my New York State ID, Social Security Card, and credit card stolen, and this occurred in 2019. I am requesting that all soft and hard credits be removed for the calendar year 2019. I am including XXXX XXXX XXXX  XXXX Police Department report, which verifies my situation.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio Recovery keeps calling all times of day and night. They are saying they have filled court cases with me because I an alleged debt. Different numbers call from all area codes saying Im committing a crime and they will sue me and garnish my wages. I do not owe such debt. I filled several disputes with the credit bureaus but they say it all comes back as investigated. Which is untrue. I am the only one who can verify if I owe a debt. Theres no contract or wet signature saying I owe.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2021-10-06
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2020-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (IN)

013. GLA Collection CO Inc. GLA has refuse to show thier account numbers in which they are attempting to collecting for. Refussing to contact XXXX XXXX XXXX to whom they state i have no outstanding balance to due insyrance has paid in full.
Consumer complaint received 2023-03-27
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. (IL)

Experian, XXXX and XXXX are reporting inaccurate and/or incomplete information concerning me in consumer reports. Their conduct has caused me distress and financially harmed me with costs and loss opportunity. 

The following tradeline they are reporting concerning me is inaccurate and/or incomplete : Tradeline : XXXX Account XXXX : XXXX The tradeline is inaccurate because I am not legally obligated to XXXX in the mount of {$14000.00} for the alleged deficiency claim. Furthermore, the tradeline they are reporting is incomplete because there is a past due balance which is absolutely wrong and a violation. The dates of activity are also incorrect and does not meet the FCRA. 

Inaccurate list : 1. Account is reporting with 3 different amounts of high credit 2. Account is reporting with 3 different past due amounts 3. Account is being reported with 3 different dates of last activity 4. Account is being reported with 2 different dates of last payment If this is the same account being reported by the same creditor, why are these dates/amounts different?

I request that they delete the above tradeline and provide an updated copy of my consumer file. Inform any person that you previously reported the now deleted tradeline that is now deleted. Should you conclude that the tradeline is verified, then I request method of verification. I have requested method of verification for the past 6 months. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted into connection with such information and telephone number of furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. Your prom attention to this important matter is requested in order to comply with federal law. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-25
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. (NY)

In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX  XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KY)

Credit reporting agency was informed of a charged off account being inaccurately reported ( XX/XX/2022 ) .Account was removed based upon the completion of their investigation. However, the error has recently been placed back within my credit file. Affecting my general mode of living and preventing me from financial gain. Please help.
Consumer complaint received 2023-03-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (MD)

complaint regarding payments that were marked late by XXXX XXXX for the following account XXXX on the following dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( a ) ( I ), my consumer report should not contain information solely as to the transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history have negatively impacted my consumer report and are considered as part of my transactions and experiences between me and your company.

Sheffield Financial are in violation of consumer laws put in place to protect me. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ) to follow the law.
Consumer complaint received 2023-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (MD)

Complaint Statement Balance XX/XX/2023 Previous Balance {$130.00} Payments and Other Credits {$0.00} Purchase and OtherDebits {$140.00} XXXX {$0.00} Past Due Amount {$30.00} Fees Charged {$30.00} Interest Charged {$4.00} New Balance {$310.00} I provided my XXXX XXXX XXXX  Checking Account information when I received and started using the XXXX XXXX Instead of obtaining payment from my Checking Account they charged me fees and interest. I paid this entire newbalance on XXXX manually. I then tore up the card. My complaint can be satisfactorily addressed by investigating this fraud scheme. This company makes it very difficult to understand if you have successfully set up an automatic payment which I attempt to do and thought I had succeed at doing. Also, my password and user name was stored by XXXX but were not subseqently deemed valid. I could not log back in and don't have time to play silly games. XXXX subsequently make the charges stated above. If this is systemic to all customers it amounts to a fraud scheme.
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CA)

My loan was sold to a new servicer. I received a letter from my new servicer Arvest Central Mortgage Company that they do not pay my property taxes thru my escrow account. Everything I have read states that the terms of my loan remain the same. I want it to be the same terms that I had before. Also my other mortgage company gave them the excess amount in my escrow account to cover this. I was told by them that it takes 90 days for them to review my escrow account. They also charge a fee to pay online. They took over my loan as of XX/XX/2020 2020
Consumer complaint received 2023-03-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/25 ( /2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc. (NC)

On XX/XX/2023 I got an alert through my credit monitoring service that a new collection had been placed on my report with the three credit bureaus. 

It is my understanding that Debt collectors are required to send a " Debt Validaton Notice '' that affords me 30 days to dispute the validity of a debt prior to furnishing the debt to the bureaus. I NEVER received a Debt of Validation notice that is required by law which would have given me 30 days to dispute the validity of your claim to collect on this debt! Neither did I receive a phone call. This is a serious violation of federal law. If Central Portfolio Control would have sent proper notice, I would have had the opportunity to challenge this alleged debt before it was furnished and causing my score and reputation to suffer significant damage. This is a violated of section XXXX which requires the debt collector to contact me prior to furnishing the debt with any of the bureaus informing me of the debt. 

Furthermore, I called the debt collector who furnished the alleged debt on my reports on XX/XX/2023 at XXXX to confirm the address as to where I could send a Debt Validation letter and the employee at Central Portfolio Control lied about the address. She gave me a different address than what was listed on my report AND XXXX. When I questioned the discrepancy with this employee, she told me the address listed with the bureaus and XXXX were incorrect. So I used the address she verbally gave me. However, when I went to the post office on XX/XX/2023, the post master told me that the address I was given was invalid. We had try and locate a publicly listed address on XXXX in order to get a workable address for this collector. This wasted my time, the post office 's time, and held up the line. This employee lied to me.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I deposited {$2000.00} cash in the ATM. ( 20 X {$100.00} ). The machine printed a receipt to call the bank to make sure my deposit went through, No $ amount on the receipt. I went in to the bank and talked to the account manager, he knows I put in {$2000.00}. 

They gave me a provisional credit for the {$2000.00}. They later sent a letter saying after their investigation I owe them {$880.00}. I don't owe them anything. I have been banking with them for 30 years. They won't let me know what the investigated. 

I can prove I took the money out of a XXXX account the same day to move to my Chase account to pay my house payment, Claim # XXXX
Consumer complaint received 2023-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (KS)

Jefferson Capital Systems did not sent me any verification by email or mail letter to show that the debt was my. I have disputed this debt through XXXX show as verify with out any proof of information that was ask by mailing letter and digitally uploaded, and yet did not show me any proof of letter of my signature that I own on this debt I already have been asking for the verification letter over pass 60 calendar days, but yet again and again Jefferson Capital Systems fail to show me any proof of verification of the debt, and keep reporting on my credit report as verified. Jefferson Capital Systems continue to be little consumers this company conducting the business is unacceptable.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OR)

I opened an estate checking account for my father 's estate as the independent administrator for the estate on XX/XX/2020 at Chase Bank in XXXX XXXX XXXX, Texas. The account was opened with {$3300.00}. I sold a property of his that he owned outright through a realtor and used a title company. I instructed the title company to wire the proceeds of the sale in the amount of {$200000.00} to the estate account. The wire was sent successfully. Chase Bank received the wire and proceeded to close the checking account for the estate, never crediting the checking account with the wired funds. They refuse to talk to me and tell me what happened to the wired funds. They have not returned the funds to the sender as of this date. Chase just says they are terminating the banking relationship, which is fine as long as the estate gets the money from the account and the wire transfer. Please help me, I really don't know what to do.
Consumer complaint received 2020-06-22
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. (NC)

XXXX XXXX is saying I owe for medical. All of my hospital bills were paid by grants and XXXX. I sent this information to all the credit bureaus. And transunion is the only place it remains. I would like them to follow suit and remove
Consumer complaint received 2023-04-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over XXXX days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-06-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020 two transactions were performed in my PayPal account to a person in the XXXX without my knowledge. Each of the transactions amounted to {$730.00} for a total of {$1400.00}. The transactions were bank transfers and thus did not have credit card protection nor any protection from PayPal. I dont know who this recipient is and Im still uncertain how these transactions were performed. I believe someone may have hacked into the account as they also changed several of the settings in my PayPal account shortly after making these transactions. I have explained to PayPal that the transactions were not made by anyone in our household and they state that the transactions were authorized. 

Im uncertain what the next step should be to make PayPal aware that they have security issues and without question customer financial theft issues.
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My loans have a late status from XX/XX/XXXX - XX/XX/XXXX. I was granted an administrative forbearance in XX/XX/XXXX for the months of XX/XX/XXXX - present. I have requested to have the bureaus change the late status on each account to reflect the granted forbearance but have been unsuccessful.