davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Dear CFPB, I am writing to formally dispute inaccurate information that appears on my credit report. The details of the disputed accounts are as follows : Dispute letters were mailed to XXXX XXXX and XXXX XXXX XXXX as well as the 3 Credit Bureaus and no one is responding, and I want these ( 3 ) negative accounts Deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. 

I kindly request that the CFPB investigate these matters and ensure that the inaccurate information is corrected or removed from my credit report. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX {$8800.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with PORTFOLIO RECOVERY ASSOCIATES LLC. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, PORTFOLIO RECOVERY ASSOCIATES LLC has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally file a complaint regarding the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. The persistent presence of these inaccuracies is causing me significant distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The fraudulent items that have appeared on my credit report are having a detrimental impact on my creditworthiness and overall financial stability. I initially identified these discrepancies and have since made several diligent attempts to have them corrected through your organization. Regrettably, my efforts have not yielded any meaningful resolution. 

I initially submitted a dispute request to have these fraudulent items removed on [ Date ], providing all the necessary documentation and evidence to support their inaccuracy. To my disappointment, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second dispute request, reiterating the evidence that these items are indeed fraudulent. However, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the severe consequences these fraudulent items have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to rectify this situation. I expect a comprehensive and impartial investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their swift removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their impact on my credit score.

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Please assist me to remove the following inaccurate items : 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 2023-09-22
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

In XXXX of XXXX I submitted a modification application due to increased expenses and decreased income over the current year. Upon receipt PennyMac requested additional information to support financial hardship from XX/XX/XXXX. I did not fill out my paperwork for hardship on XXXX. However I tried to provide information supporting hardship from XXXX. I provided W2 and wage transcripts showing a loss of yearly income from XXXX totaling a combined loss of income near {$78000.00}. I provided copies of bills and was told this wasn't sufficient. I asked what documents they were specifically looking for and was told a " bank statement ''. First I don't know what a bank statement is going to show and second I don't have a clue who I banked with in XXXX. When I questioned why they are asking for information from XX/XX/XXXX I was told because I was delinquent the first month the last modification payment was due. I explained by letter why I paid late after the modification in XX/XX/XXXX was I called to make my payment in XX/XX/XXXX and the agent informed me they had no record of a modification for my loan. At a later time I was informed that the modification wasn't approved until the trustee for my XXXX  XXXX bankruptcy approved it. I was not making payments to them before they signed the modification. I again was asked to prove financial hardship in XX/XX/XXXX. I don't know how to prove something I didn't state I had in XXXX. 

I would also I like to mention that I was out on a Covid forbearance for a year from XX/XX/XXXX until XX/XX/XXXX. They never offer a repayment plan or any of the option stimulated my the CARES Act and they pulled requesting evidence of financial hardship in XXXX when I applied for a modification back in XXXX. I got no help and finally was forced to pay the delinquent amount back in fill out of pocket which was over {$6000.00} and included {$1900.00} that was to be paid back in my bankruptcy plan. This was paid in XXXX and XX/XX/XXXX leaving me with {$0.00} in savings. 

I have pulled the USDA loss mitigation guidelines and PennyMac is not following them and refuses to offer any assistance. If they are committed to keeping me in my home why are they playing games?
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (GA)

I deposited checks into my SoFi bank account and they close my account after one of them bounced and the other one has just been sitting in there for months. Ive called multiple times they keep saying its under investigation. I heard nothing back from SoFi.
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2017 at approximately XXXX I contacted Transunion to inform them that I did not recognize several of the hard inquiries on my credit report. 

I had just contacted XXXX with the same information last week or so ; they filed a dispute form to have any incorrect information removed ( normal process ). 

When I contacted Transunion with the same information today ; they informed me that the only way to remove the incorrect data was for me to contact the companies myself, get them to write a statement of deletion ( or something to that effect ), then to forward those statements to Transunion, then for me to write Transunion and tell them in writing to remove the incorrect information ( after they have received the statements of deletion from the companies in question ). 

OR, I could send them a police report filed for identity theft with those companies listed. 

OR, I could wait two years. 

Even though I told them that I did not recognize any of the companies except for my car loan ( XXXX XXXX ), so as far as I am aware, these companies have made hard inquiries into my credit without my authorization. 

I asked each person I spoke with to confirm that we were on a recorded line, and that they understood that they were refusing to remove fraudulent information that they were now aware was made in violation of the law ( running a hard check without my permission ), and each of the three Transunion employees confirmed that that was the case. 

I also asked them if a company ran a credit check without my permission, why would they give me a confirmation of that in writing by mailing me a " statement of deletion ''? 

As well as the question of ; why should I have to spend my time tracking these companies down and pleading with them to send me letters to remove information that I did not authorize to begin with? 

Is n't tracking valid and invalid credit the job of the credit reporting agencies in the first place? They used to follow normal process and file a dispute to send to the companies ; is Transunion hurting for money? Can they no longer afford the staff to run the company? 

I do n't know, but I do know that I do n't have the time to track down companies and ask for letters to have unauthorized information removed that I did n't put there. 

thank you for your time in this.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (PA)

I was on REPAYE and applied for SAVE because MOHELA wasnt updating it. I did it through StudentAid.gov with my tax information coming from the IRS. My payment was XXXX under SAVE. Mohela processed my IDR info and changed my payment back from the SAVE payment to the REPAYE payment. They are billing me incorrectly and I want it fixed.
Consumer complaint received 2017-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Arbor Professional Solutions, Inc. (MI)

To whom it may concern Im submitting this complaint in frustration over the lack of response Ive received from Arbor Professional Solutions ( XXXX ) and XXXX XXXX Office ( XXXX ) regarding accounts for my XXXX children. 
FIRST COMPLAINTI was never notified by XXXX regarding these accounts. When reviewing my XXXX  report on XX/XX/XXXX I noticed that the four accounts in question were added to my report however none of them included enough info to identify what they were for. The next day I contacted XXXX and was able to conclude that the reason they hadnt contacted me as required by law was that they had an incorrect address and phone number. While XXXX from XXXX was validating me she stated my street a XXXX XXXX when in fact it is XXXX XXXX then she confirmed my phone number as Most likely this is the same misinformation that XXXXXXXX office had and referenced in their XX/XX/XXXX email ( attached ) and likely passed on to XXXX. THIS ALONE WARRANTS THAT ALL FOUR ACCOUNTS BE IMMEDIATELY PURGED FROM ANY AND ALL CREDIT REPORTING AGENCIES SYSTEMS. SECOND COMPLAINT.The first invoice I received was for {$500.00} ( attached ) and right away I notice that a {$250.00} credit was missing for XXXX. I made them aware of that then questioned why we were charged anything at all seeing my insurance covers 100 % of preventative care which includes but is not limited to the procedures they performed. I thought the billing problems were corrected when I received a voicemail ( see attached XXXX transcript ) from XXXX at XXXX telling me that it looks like everything has is actually been paid. Up until my call to XXXX on XX/XX/XXXX, that was the last Ive heard from anyone regarding these accounts and now Im being told that I owe {$63.00}, {$63.00}, {$63.00}, and {$120.00}. So I called the insurance company myself and found out that the only item not covered was the XXXX XXXX. I was told that XXXX XXXX is normally covered under my policy but since XXXX office also did the more expensive XXXX XXXX of the entire XXXX, this includes the XXXX, the XXXX was no longer necessary and called it a money-grab. They could not explain the additional {$50.00} being charged to XXXX account. UNLESS YOU CAN PLEASE PROVIDE A SATISFACTORY EXPLANATION AS TO WHY BOTH XXXX WERE REQUIRED, IF NOT IMMEDIATELY REQUEST THAT ANY AND ALL CREDIT REPORTING AGENCIES PURGE THESE FOUR FILES FROM THEIR SYSTEM. THIRD COMPLAINT.Our decision to try XXXX office was based on a flyer ( attached ) we received in the mail. As I mentioned in Complaint One, I presented this flyer to XXXX office at the time we checked in. This flyer clearly states New Patient Special {$140.00} and includes same procedures that they charged my insurance company {$340.00} for. Either this is false advertising or over billing. FOR THESE REASONS PLEASE REQUEST THAT ALL FOUR ACCOUNTS BE PURGED FROM ANY AND ALL CREDIT AGENCIES FILES.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Comerica (TX)

On XX/XX/XXXX XXXX XXXX hit and we lost our power and internet when the storm destroyed our house. We did not have power for 10 days and no internet for XXXX weeks. I went into the branch the week before XX/XX/XXXX and the said their system was down. I went back on XX/XX/XXXX and said I needed to make the payment. They pulled up the account and told me the amount. So I paid what they told me. The due date was on the XXXX so I left there thinking I made the payment before the deadline with no problems. It wasnt until the credit bureau report that it was over 30 days late and I went back in to the bank to argue that I found out that they told me the wrong amount and we were reported late for the {$200.00} difference. I have spoken to people at the bank and at the loan department that all agree that it was their fault and that they would reverse the negative report to the credit bureau
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (AR)

On XXXX  I Midland Credit Management received a refusal to pay a debt dispute from me via united states postal service with tracking XXXX XXXX Since Midland Credit Management has not ceased collection efforts in accordance with 15 USC 1692c (1) to advise the consumer that the debt collectors further 
efforts are being terminated; 
(2) to notify the consumer that the debt collector or XXXX may invoke specified remedies which are ordinarily 
invoked by such debt collector or creditor; or 
(3) where applicable, to notify the consumer that the debt 
collector or creditor intends to invoke a specified 
remedy. In addition, XXXX XXXX has violated Ar code 4-59-101(a)(2) attempting to collect an alleged debt without having a signature of the alleged debtor or person the claim is being bought against.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XXXX fraudulent charges occurred on a checking account my husband and I have with Wells Fargo XXXX I completed all the necessary steps and received a provisional credit from Wells Fargo amounting in {$2000.00} in early XX/XX/2024. On the night of XXXX XXXX I discovered that Wells Fargo rescinded the provisional credit of {$2000.00} with absolutely XXXX warning, no text alert, phone call or email. My account was left with approximately {$11.00}. The following day a very vague letter arrived via USPS, but it was after the fact. To this day, I am still fighting with Wells Fargo over the fraudulent charges, but wanted to file this complaint because of the way this horrific fraud has been handled. I feel with todays technology my husband and I should have received a fair warning that such a large amount would be taken out of our account. I get petty notifications for everything else, but not this. (?! ) Wells Fargo should be held accountable, and I dont know how that works out, but what they did and are continuing to do to my husband and I is completely unacceptable, stressful and frightening. We have XXXX XXXX kids to take care of and {$2000.00} means a lot to our family. Additionally, fraud occurred on my personal Wells Fargo credit card simultaneously as the personal checking fraud, but Wells Fargo took care of and honored the credit card fraud with XXXX issues ( thus far ). We are having a difficult time comprehending how fraud that occurred on the same night, at the same time, and one has been taken care of, but the other they are giving us an extremely hard time. Wells Fargo investigation process is baffling.
Consumer complaint received 2024-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Real Time Group, Inc. (WA)

On XX/XX/year>2024 we sold our house at XXXX XXXX XXXX XXXX, WA XXXX. At closing they sent {$110000.00} to Real Time Resolutions to pay off the lien for the XXXX on the house. We have filed bankruptcy on the XXXX and made payments for 5 years. No where on our credit or any where was this XXXX listed but when we went to sell the house Real Time Resultions sent a request for the {$110000.00} which the title company paid. I requested an accounting of the loan and did not receive one as requested. Received a payoff statement.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NJ)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

JPMCB CARD SERVICES XXXX