davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Westlake Services, LLC (FL)

I have been contacting this company since XXXX of 2023 for a payoff letter.in addition to the original.contract/ lease agreement. I have been hung up on and transferred from one department to another. This was not my original leasing company so my fear is that they do not have this information and refuse to just say that. I was making payments for several.months thinking I was purchasing this vehicle as agreed upon with my original leasing company only.to be told that this agreement no longer is being honored with westlake portfolio managers ( the new leasing company ).
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have been disputing this account as fraudulent for 3 years now. I have never done business or opened a XXXX Account nor authorized XXXX to access my personal information or report to credit bureaus on my behalf. This account is fraud and has not been accurately verified whatsoever. It is affecting my creditworthiness and ability to purchase a home. This is NOT my account and I have no knowledge of who opened this!
Consumer complaint received 2024-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Academy Mortgage Corporation (WI)

I bought my first home in XXXX, IL with the help of Academy Mortgage ( XXXX, Il ) in 2021. The following year I got hit with a scam ( publisher 's clearing house ) which was reported to the FTC immediately. No return action was given and the scam ramped up into XXXX attacks on me and the property such as trash bags being left on my front porch on a clean property and the gate to my back yard being broken. There was also a suspicious letter with a fake return address hand written left at the property. Still seeking help presenting all of this to the federal government so I can find all involved and press charges. I had to deal with all of this while recovering from sickness and trying to deal with a back injury that eventually sidelined me from work causing the eventual Mortgage lapse. The publisher 's clearing house scam was the beginning of someone with a disturbing agenda still targeting me and I'm not sure who all was involved so the FTC information I gave them was attempted to be a thing to get more info on myself but with no luck so far. Thank you.
Consumer complaint received 2023-10-12
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pharus Funding LLC (MD)

My name is XXXX XXXX and Im a consumer submitting this complaint on behalf of myself without any third party being involved. 

Fraud and racketeering activities have been committed against me by your company which violates my consumer rights and the FDCPA. 

Pharus Funding LLC is using extortionate means to collect on alleged debt I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ).

This notice states that your claim is disputed and validation of the account is required : * Bill of assignment * Purchase Agreement Chain of Title *Proof that you are license debt collector to collect in my state.

* A requested copy of your State Department of Commerce and Insurance Certificate.

Requesting if the Statute of limitation to collect on alleged debt is expired THIS IS A REQUEST FOR ACCOUNTING : REOUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.

This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098s ) any and all trades and or investments and/or interests associated with this account of which I am alleged to be a party.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (GA)

I applied for a GM Credit Card by Goldman Sachs and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-10-12
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. (NY)

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  XXXX # : XXXX, Account name : # :, XXXX XXXX XXXX XXXX Account name : XXXX XXXX, # : 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 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. 16815-2 ( AN1 ) 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 2024-04-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

my name is XXXX XXXX I live in XXXX XXXX XXXX XXXX XXXX Tx XXXX my phone number is XXXX my Email address XXXX I get scam through coin base wallet app some one there is mining Pool call XXXX ( XXXX XXXX ) chain Invested almost XXXX XXXXDear user, Due to your cancellation of connection to the XXXX XXXX XXXX Therefore, the release of funds could not be completed. However, XXXX XXXX can exceptionally refund your invested principal amount of XXXX XXXX. But they get steeling other XXXX from me under the Name Of The IRS to pay taxes for me and that message comes from themDear user, I am checking for you, please wait a moment # XXXX XXXX XXXX IRS Official Tax Notice Hello, dear user Your account was not taxed and now it has been verified for you that the total amount of your withdrawals is XXXX XXXX You have reached the taxable amount and your Defi account is subject to 30 % tax. 
Please remit the tax to the currency wallet address of XXXX XXXX regulated by the XXXX XXXX XXXX XXXX XXXX before XXXX EST on XX/XX/year>. 
The amount of the tax. XXXX XXXX  If you do not pay the tax in time, your XXXX XXXX will be affected, a late fee of XXXX XXXX  of the total amount of your account will be charged every day, and you will be held legally liable for tax evasion. 
Tax address XXXX XXXX XXXX XXXX After paying the tax, please submit the payment details to the online customer and after I pay them they asked for more money in that message our withdrawal has been completed and XXXX XXXX has reached your wallet. 
As the withdrawal amount exceeds XXXX XXXX, the blockchain has frozen your funds as a backup, if you want to unfreeze it, you need to pay XXXX XXXX of the funds as a guarantee, the total amount is : XXXX XXXX 
Payment addressXXXX Please complete the payment before XXXX EST on XX/XX/year>, and the payment will be verified and unfrozen afterwards. Once the time has passed, the funds will not be unfrozen and you will be blacklisted as a defaulter by all banks and credit institutions and handed over to federal investigative agencies. 
Please read the above notice in detail to avoid unnecessary misunderstandings Thank you for your and until now I didnt get anything from please I need your help and stopped theses people stealing money Thank you
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am formally requesting a re-evaluation of my identity theft dispute and a detailed explanation of the reasons for the denial. I urge your bureau to conduct a thorough and objective investigation into my case, taking into account all the evidence I have provided. However, despite the ample evidence provided, I was dismayed to receive a response from your bureau stated my dispute was denied. The letter did not provide sufficient justification for the denial and failed to acknowledge the gravity of my situation. I believe there has been a grave oversight in the evaluation of my case. I provided the required documentation and supporting evidence to substantiate my claims. This included a FTC Report from IdentityTheft.gov. My identity theft claim, submitted since XX/XX/XXXX of last year, outlined the following fraudulent activity on my credit report : XXXX XXXX XXXX XXXX. Please delete this fraudulent account ASAP.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (VA)

I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXX XXXX XXXX Department. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.
Consumer complaint received 2023-10-12
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PA)

PayPal reported two accounts to XXXX. I have no open accounts and no balance due. I was not aware of two accounts, only one. It was paid off using PayPal phone payments months ago. Two days ago my Credit score with XXXX was XXXX the unauthorized open account reported to the credit bureau dropped my score XXXX points. My accounts are paid in full. This error will delay or cancel my loan for medical procedures. 

These accounts must be closed and show paid as agreed.
Consumer complaint received 2023-10-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Yesterday in XX/XX/XXXX. I contacted Columbia debt recovery genesis about a lease they said I owed money on for a rental back in XXXX XXXX. I explained to them I NEVER lived anywhere named XXXXXXXX XXXX XXXX they explained they had a contract showing I did so I asked to see that exact contract. The rep said XXXX XXXXXXXX XXXX  ring a bell? I said yes, but that this was not about XXXX XXXX it was about XXXX XXXX, he then told me that their customer service department must of messed up and put In a different code to link my debt to XXXXXXXX XXXX It was suppose to go to XXXX XXXXs. I said so it took you guys XXXXhree years and me fighting to have this taken off as no debt owed cause you put it to XXXX XXXX? He then stated that is was just a code entered wrong and they would go change the name on the debt. I said you cant do that! You cant just change the name! He said that I also moved out on XX/XX/XXXX of XXXX XXXX  but I moved out XX/XX/XXXX and was month to month I have the copy of the original lease. I asked for them to send me the documents they have and he said he couldnt cause that department was closed but that he was looking at the paperwork. Everything he stated was a lie. Then he accused my husband of staying at the apartments for 12 days leading up to XX/XX/XXXXXXXX I said my husband moved when I moved! He said it must be nice to have had someone pay your rent for those XXXX months. At that point I got upset as I was the one that continued to pay my rent. There was also a lease that was agreed upon by the regional at positive investments ( the company prior to XXXXXXXX XXXX taking over ) that ended XX/XX/XXXXXXXX XXXX XXXX They clearly took the lease that was originally voided that ended XX/XX/XXXX and used that one as a way to collect more money. There was a note on that lease stating that, that lease agreement was voided the one dated XX/XX/XXXX was the actual lease. Also my information was sold to this company and they are the original owner of any DEBT!
Consumer complaint received 2023-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. 

On XXXX, I sent a written request toXXXX XXXX XXXX XXXX, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. 

Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from XXXX XXXX XXXX XXXX. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. 

I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. 

I believe XXXX XXXX XXXX XXXX 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. 

I request that the CFPB conducts a thorough investigation into the non-compliance of XXXX XXXX XXXX XXXX with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that XXXX XXXX XXXX XXXX be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. 

Please consider this complaint as a formal request for investigation. 

I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

For several months of 2023, I have tried to solve a problem with the XXXX XXXX bank account, in which I sent you a letter explaining the situation since this account was closed, paid in full but in my report it appears to me that it had XXXX late payments. 

Unfortunately I was a victim of bank theft and this account the bank made the refund of the security payments but once the problem was solved the account was paid and this problem was never had. 

I sent a letter waiting for a response from the company and to date I have not received any notification, I made several calls so that please with the evidence sent this will be removed from my report, because it is an account that is not due and that only affects my credit. 

The person in charge notified me that since the account is closed they can not make the modification that this modification must be made through the credit agencies since they can not delete this so I ask that this information be corrected or removed from my credit report.
Consumer complaint received 2023-10-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (CA)

To provide you with a comprehensive account of the situation, I would like to detail the sequence of events surrounding the return : XXXX. I had order the items mentioned above, which were delivered together in a single box. 
XXXX. After receiving the order, I realized that the XXXX pairs of sneakers did not fit correctly, prompting me to initiate a return request via the Target XXXX 
XXXX. Target issued a separate XXXX return shipping label for each of the sneakers, resulting in XXXX separate return packages. 
XXXX. I dropped off both return packages at my local XXXX XXXX XXXX XXXX, Post Master located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, CA XXXX. 
XXXX. The XXXX tracking number associated with this return is XXXX XXXX. XXXX of the packages that was associated with this return was successfully delivered and refunded however, the return associated with the XXXX shoes was never received nor updated. There is no updates for the tracking number from XXXX. Nothing. 
XXXX. I have reached out through the chats, attached in here, no resolution. 
XXXX. I attempted to dispute, the call center representative was talking to me with disgust. I asked her what we can do she said she is going to have to transfer me to target XXXX 
XXXX. I got connected with Target XXXX and they just started they will not be able to do the return, because they never received the item, and the only optio I have is to dispute the charge, and when I informed him I had already called to dispute and the lady refused to help, yelled at me and XXXX transferred me to him, he said he will be disconnecting the call.
Consumer complaint received 2023-10-11
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company (GA)

My FHA loan was bought by Freedom Mortgage from XXXX XXXX. This was around the time my son was having issues with XXXX and we were dealing with investigations into the facility he was at. I received an email about this transfer and called XXXX XXXX to make sure about the transfer and if there were going to be any changes. They assured me nothing would change. On Friday, XX/XX/2023, I received a call from Freedom Mortgage stating my account was two months behind. I asked how could that be, I have automatic payments from my account. She said it did not show. I told her that XXXX XXXX said everything would remain the same. She said that did not include the bank withdrawal. She asked if I had money trouble and I said absolutely not. I have the money its not a problem. I immediately paid and set up the automatic withdrawal. She informed me they would report me to the credit bureau for late payment. I disputed this and they called me again today to tell me they will report this. I tried to explain that I was misinformed, but he said it was in a letter.
Consumer complaint received 2023-10-11
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)

Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts/inquiries completely from my credit reports. XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XX/XX/2022 and XXXX XXXX