davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

PENNYMAC LOAN SERVICES L Account Number XXXX I am demanding the following LATE PAYMENTS be removed because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 usc 1681a - Definitions ; rules of construction Section 2 - Exclusions subsection A subsection i - reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 usc 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the me that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report.

Under 15 usc 1681n, - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. 
PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! XXXX
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

In reference to complaint XXXX that is currently open I received a call from the issuer of the check to let me know the check was cashed by Chase and they can not issue a new check unless they get the funds back. I also received XXXX checks from Chase for the balance I had previous to depositing the check but no check for the deposit I made. I dont know what to do at this point because Chase is going to tell me they didnt cash it and that is why they closed my account.
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-10-16
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. (DC)

XXXX XXXX. XX/XX/XXXX, I DISPUTED A FEW XXXX LOANS ON XXXX, XXXX AND EQUIFAX CREDIT REPORTING AGENCIES ALONG WITH ( 3 ) CLOSED ACCOUNTS THAT STILL SAY THEY ARE CURRENTLY OPEN ON MY ( 3 ) CREDIT REPORTS. I WAS ADVISED THAT THE COMPANIES HAD 30 DAYS TO RESPOND. THOUGH I NEVER RECEIVED ANY CORRESPONDENCE BACK FOM THE COMPANY ; HOWEVER, THE CREDIT BUREAUS ONLY EXPLAINED THAT THE DEBT WILL REMAIN ON MY CREDIT REPORTS AND MY DISPUTE HAS BEEN CLOSED. I ATTEMPTED TO REBUTTLE THE DISPUTES BUT THE BUREAUS STATED I COULD NOT REOPEN ANY DISPUTES FOR THE SAME ACCOUNTS. THIS SITUATION HAS CAUSED A SIGNIFICANT HARDSHIP. THE NINCLUSION OF THESE ACCOUNTS HAS HAD AN ADVERSE IMPACT ON MY CREDIT STANDING AMD FINANCIAL WELL-M BEING. I BELIEVE THERE ARE U.S. CODES GROUNDS FOR THEIR REMOVAL.
Consumer complaint received 2024-09-26
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Maximus Federal Services, Inc. (MS)

I called all XXXX credit bureau about the loan companies I saw on my credit report. They provided me with navient at the time. I called them sent all my documents in explaining I was locked up. But thats told me on the on the phone I was responsible for it. I felt that was up fair. I had already went to prison at the age of XXXX yrs old because I bounced around from foster home and group homes and caught a charge robbing someone because my white mother was on drugs bad and got sent to witfield the mental institution. I never had nothing in life due to my parents getting on drugs. So I hope you guy can look into my case and remove this. I have proof of everything but keep getting denied. My whole life XXXX couldnt and cant get anything in my name. Due to those students loan and credit cards on my report. Something I never applied for. I even have my documents showing when I finished a paid for trade and the next month I went to prison. I even have when I was released from prison. I walnut grove prison was the worse prison they sent me to for the first time. And we dont have computers to get on there we stayed on lock down the whole time I serviced my sentence. Please reach out to this prison or XXXX XXXX court house or ask for XXXX XXXX he was the guy that drove me to XXXX XXXX to get process. Please look into my case Im begging you guy. XXXX and Im suffering from not able to purchase a house in my name.
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Subject : Request for Removal of Inaccurate/Negative Items Pursuant to 15 U.S.C. 6801 and 15 U.S.C. 6802 Dear [ XXXX Consumer Relations ], I am writing to formally dispute the following inaccurate and negative items listed on my credit report : [ List the specific negative items, such as account number or other relevant details ] Under the provisions of the Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 and 6802 ], financial institutions are required to protect the privacy and security of consumers ' personal information. These laws mandate that institutions establish safeguards to protect sensitive information and prohibit the unauthorized sharing of personal data without explicit consent. I believe that the reporting of these negative items may involve a violation of these laws, as my personal information was not handled in accordance with the privacy protections mandated by federal law.Therefore, I respectfully request that you investigate these items under the Fair Credit Reporting Act [ FCRA ] and remove any information that is inaccurate, unverifiable, or otherwise improperly included in my report. In accordance with my right as a consumer, please provide written confirmation of the removal of these negative items of a detailed explanation of your investigation process within 30 day of receiving this letter. I expect that if you can not verify the accuracy of these items, they will be promptly deleted from my credit report. Thank you for your attention to this matter. Look forward to your timely response. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

I initiated a money transfer to XXXX around XXXX pm of XX/XX/XXXX, I also paid the {$3.00} fee for the fast service ( " XXXX XXXX '' ), but till now XX/XX/XXXX my money is still not delivered. The attached screen shot is from the confirmation email I received from them confirming it would be delivered on XX/XX/XXXX. 

I contacted them many days, their customer service representative in XXXX put on loud back ground noise, they also put me on hold and all kind of ways you can imagine to delay my inquiry. 

I called their XXXX office, also they were lying saying will be delivered in XXXX business days... 

I don't know what's going on with them lately, I've been using their service and normally its delivered in the same day, but now it's over XXXX week and my money was long deducted from my bank... 

Btw in the mean time I used other application and it arrived in a minute, so this confirms my bank and the recipient bank does not bear the blame.
Consumer complaint received 2024-10-16
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. (AL)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Consumer complaint received 2024-09-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

XX/XX/XXXX I was asked on XXXX to purchase XXXX by someone I thought I knew turned out her page was hacked, they then acted as if they were cashapp and asked for more money for the funds to be released..the total amount was {$600.00} bitcoin XX/XX/XXXX I was asked on XXXX to purchase {$300.00} XXXX and send I did, then they asked for another {$700.00} cause my wallet was frozen, I sent it, then they asked for {$2200.00} to cover transfer, I refused, and now I dont have money cause they moved it
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

According to 15 U.S. Code 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to P.A.A.N.L. status ( Paid As Agreed, Never Late ) according to consumer protection laws. 

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 2024-10-01
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: JPMORGAN CHASE & CO. (MO)

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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (MA)

On XX/XX/year> I found some discrepancies on my credit report but negligence due to XXXX lack of seroiusness of the compant I have sent them multiple documents and still no response nothing I feel tired of XXXX XXXX please help me get a straight answer I reuested information from XXXX  XXXX XXXX and XXXX  they just push me over to the credit agencies and I get no where I have not spoken or I have not agreed in making payments of any kind because legally these account are fraud the TILA regulates all documents must be shown for acknowledgement of the debt this is not an attempt of not paying but ejercing my right to get all validation documents as this creditor never send me anything not even a collection notice they just starting calling me and harrasing me and I am tired
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142b4 5 1002.142b7. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete 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 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 XXXXXXXX. XXXX XXXX Please remove these items from my credit report within four business days per the 605C of the Fair Credit Reporting Act Thank you for your prompt attention to this urgent matter.
Consumer complaint received 2024-10-16
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. (VA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KS)

My addresses are wrong on my Equifax XXXX XXXX accounts. Im not, nor have I ever been associated with the following addresses : 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 

the only address 's I've been associated with should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

please update and remove these addresses that has never been associated with me. 

My only telephone number is XXXX
Consumer complaint received 2024-09-24
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Fay Servicing, LLC (NY)

Face servicing is in charge of my Mortgage Debt and I was sent lost mitigation papers which I submitted mid month of XXXX last month I sent them in and then they requested from me via phone call to supply some more information on certain pages of the loss mitigation document I did that and sent it last week and I was given until the XXXX of this month XXXX to return that information to them to include in my loss mitigation documentation. Instead Fay Servicing I found out through a realtor who contacted me to do a short sale informing me for the first time hearing it that my house was to be auctioned off for sale XX/XX/XXXX at XXXXXXXX XXXX. at the XXXX XXXX Courthouse steps in XXXXXXXX XXXX XXXX. Faith servicing submitted that filing last week Wednesday the XXXX! They had given me till the XXXX to give them that additional info in paperwork which I sent last week! They never let me know my house was up for auction sale. I found out from a realtor who emailed me to do a short sale telling me that I was going to auction in the email I had no idea as far as I knew I had sent in the documents to have my l o s s mitigation work for me because I not only have funds coming to me that will pay for it but as XXXX as I am I'm starting a job tomorrow to start giving them funds in case my settlement funds don't come in in time so they lied to me and pulled a fast one again I received no notice that I was headed for auction I thought my loss mitigation would be accepted. Again to reiterate, I received no information about an auction sale. I found out through a realtor that must have searched my information and contacted me to do a short sale this is how I found out that my home that I live in as a XXXX American is up for auction with no chance of changing this no choice no loss mitigation response no chance to make amends as I'm just starting a job as XXXX person with health issues. I started a job to save my home so that I'm not homeless and to save my animals because they will have to be XXXX if I live in my car! And they have put me in this situation by lying to me that they would consider my loss mitigation this is fraud and fraud viciates everything! F a y servicing never gave me a chance to negotiate anything! How is this happening how is this legal? And we already know many of us do, the mortgage industry is based on fraud! They never lend us anything!
Consumer complaint received 2024-10-16
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. (TX)

I have mailed notices to the company on both XX/XX/XXXX and XX/XX/XXXX, instructing this company to remove the individual transactions and change the account disposition to " paid as agreed ''. 

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : This company is in clear violation of the law. Under 15 USC 1681 ( b ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I : give you written instructions to furnish this on my credit report? No Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) G ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " '' consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; TRANSACTIONS ARE IN FACT NOT TO BE INCLUDED ON THE CONSUMER REPORT, PER CONSUMER LAW.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (AL)

LVNV Funding LLC has unlawfully and illegally reporting derogatory information on my credit report without proper authorization for {$750.00}. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. LVNV Funding LLC has failed to provide a copy of any wet signed applications, which raises concerns about the legitimacy of their actions. This is not a credit transaction with this third-party debt agency and I will also be filing other federal and state complaints against LVNV Funding LLC XXXX I need proof of my identity also. I have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report.
Consumer complaint received 2024-10-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC (CA)

Selene Financial LP and XXXX XXXX XXXX fraudulently claim that we failed to make the monthly payments between XX/XX/XXXX and XX/XX/XXXX and resorted to unlawful foreclose on our property even though we provided proof of payments. Selene Financial LP acted as a loan servicer on behalf of the creditor took our payments, but still intend to steal our property by scheduled an auction on our property on XX/XX/XXXX. 

Allowing XXXX and SELENE to proceed with their despicable and malicious behavior to foreclosure on our property and taking payments on our loan at the same time amount to nothing more than THEFT and EXTORTION.