davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (PA)

Starting a few months ago, I began receiving calls from Spring Oaks Capital. The caller, apparently the same woman each time and calling from XXXX, starts by saying she's calling about a past due account with her organization, and she mentions XXXX or XXXX. 

I respond the same : It's not me. I've never borrowed from those places and never would. 

She then asks me to prove it by giving her my DOB. 

I tell her I'm not going to do that. It's not my responsibility to prove to her that she's looking for the wrong person. 

Each time she calls, we go through the same dance. 

I'm tired of it, and I sure hope you'd slap them with some kind of fine or whatever.
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I DEMAND THE REDACTION OF THE FORECLOSURE OF MY HOME SCHEDULED FOR A NON JUDICIAL FORECLOSURE ON XX/XX/2016 THE DOCUMENTS TTHEY ARE TRYING TO USE ARE FRAUDULENT, THEY DO NOT HAVE THE CORRECT NOTE OR DEED THE DEMANDED FORECLOSURE AMOUNTS DIFFER FROM SPS AND XXXX -LENDER DOES NOT EXIST ON THE DOCUMENTS THEREFORE I DEMAND THE NAMES AND CONTACT INFORMATION ALONG WITH A DESCRIPTION OF THE SECURITY SOLD, THE ASSIGNMENT MADE, AGREEMENTS SIGNED, BETWEEN ALL OF THE MORTGAGE BROKERS,, MORTGAGE AGGREGATORS, INVESTMENT BANKERS, RETAIL OR OTHER SELLER OF SECURITIES AND THE INVESTORS WHO PURCHASED THE SECURITIES. 

This will be the third attempt by Select Portfolio Services and XXXX to illegally foreclose- The notice was recorded XX/XX/2016 and I was notified XX/XX/2016 sale date is XX/XX/2016 the following are just some of the actions taken by SPS towards me all of which were designed to take my home and NONE of which to help me stay in my home of 18 years - SPS was notified of my hardship soon after my husband passed away and they have preyed on my situation never intending to help. 

XXXX ABUSE VIOLATION OF TRUTH IN LENDING ACT Failing to grant me a HAMP loan modifications after the successful completion of trial period plans Repeatedly requesting the same documents and financial information " Losing '' documents Purposely imposing " obstacles '' in the evaluation process to delay or prevent me a permanent loan modification Misrepresenting the status of my loan modification application Failing to keep accurate records on my accounts, which include information on fees, payments, credits, debts, etc. 
Failing to evaluate my eligibility for permanent loan modification in a proper and timely manner Failing to provide account information as I requested Increasing my debt obligations Failing to apply payments properly Breaching my trial period plan contracts Unlawfully proceeding with foreclosure despite my compliance with the contractual obligations of their trial period plans
Consumer complaint received 2016-10-19
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (GA)

I entered into a transaction EBAYXXXX. on account ending XXXX on account XXXX XXXX The transaction was completed as per the agreement and terms of service on Ebay and Paypal. The receiver, after signing for receipt of the goods turned around the same day and reported that they did not in fact receive the goods. Paypal took {$210.00} from me with out merit, without recourse and without right of appeal. I thought it was illegal to charge back an item as not received. In GA it is termed " theft by taking '' I would like Paypal, Ebay , Inc and XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Investigated Proof of Delivery with signature confirmation XXXX XXXX XXXX
Consumer complaint received 2015-11-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

While reviewing my XXXX & XXXX credit report, I discovered that CAPITALONE has fraudulently and/or inadvertently initiated and reported a collection action to all the credit reporting agencies. I personally contacted CAPITALONE " DISPUTED THE DEBT '' and advised them that this debt was as a direct result of " LOST/STOLEN ID THEFT '', therefore, that I am not responsible for the DEBT. To this extent, I requested CAPITALONE to validate this DEBT and/or perfect security interest by providing me with a " CERTIFIED BILATERAL CONTRACT '' and alleged unpaid invoices under FDCA. To this date, CAPITALONE has failed to " VALIDATE THE DEBT and/or Perfect any Security Interest '' as required under the law. 
Furthermore, I advised CAPITALONE that fail to '' VALIDATE and /or PERFECT SECURITY INTEREST OF THE DEBT '' as required under the law within 30 days, that they must and are required to cease and desist attempt to collect on an unlawful debt. 
However, CAPITALONE disregarded my request and continued attempt to collect on an unlawful debt without just cause and/or for any legitimate reason in clear violation of FCRA ; FDCA and my PRIVACY RIGHTS. 
CAPITALONE intentionally and purposefully with malice continued total disregard to the law constitutes gross negligence, causing and depriving me access to adequate housing, the ability to secure a meaningful employment and/or obtain new credits.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-08-23
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2024-08-23
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. (IL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2016-09-14
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Conduent Incorporated (VA)

My card was fraudulently used for over XXXX worth of transactions without my consent. I opened a dispute with Eppicard on XX/XX/2016. I was advised upon signing and returning the affidavit by XX/XX/2016, that I would receive provisional credit/refund of all charges while the company investigated issue. The company XXXX mailed affidavit to the wrong address, the had to re-maill to me. I mailed the completed affidavit on XX/XX/2016 in which I was told it had yet to be received. Upon speaking with XXXX more customer reps & XXXX level XXXX reps I was advised to fax in affidavit just to be sure it was received by XX/XX/2016. I faxed the paperwork to the # provided by each rep & received confirmation receipt. I then called on XX/XX/2016 and was told by a Rep named XXXX that faxes are not accepted & that I would not be refunded. I then spoke with a XXXX whom stared that faxes are acceptable however they will not refund due faxes take up to 48hrs to process & that will put the paperwork received after XXXX/XXXX/16. I asked her about being escalated to a supervisor or higher up, she refused. I then asked her what can I do to get my money back seeing as I 've done everything I was advised to. XXXX told me I can just wait it out to see if they investigate or get a lawyer & file suit. This card is for my children ( child support ) & eppicards process is completely unacceptable & inconsiderate. The employees are rude and they never seem to give the same or accurate information.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete from my credit report. 

XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2023-11-03
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: Paypal Holdings, Inc (GA)

About XXXX XXXX I contacted Paypal services about my debt card being linked to the wrong checking account at my credit union. I worked with the paypal customer service person on the line to switch my acct to another checking acct ( XXXX ) for further use with funding for my paypal acct when I needed. With an understanding that the previous acct ( XXXX ) would be removed and no longer used. As it turned out Paypal never stopped using the ( XXXX ) acct for backup funding and for about XXXX XXXX, XXXX until About XXXX XXXX XXXX, I incurred fees from ( XXXX ) because Paypal continued to submit drafts to for payment to the XXXX account causing on 25 separate occasions through out the period of time mentioned, fees totaling {$720.00} ( XXXX NSF fees at {$29.00} each ). When I realized what was happening I contacted Paypal and worked with XXXX representatives in Paypal Debt Card Dept, using the email noticed Paypal had sent me and my XXXX checking acct statements to develop the list of fees charged to me by XXXX for Paypals unauthorized attempts on my XXXX acct. The Paypal representatives developed the list and composed ( XXXX letters listing the XXXX transactions ) emailing the letters to my Paypal account email the letters for me to present to my bank stating Paypal was n't authorized to use the account and to credit me back the total of {$720.00} in NSF ( RIF ) fees. 
When I presented these letters to XXXX for refund of the {$720.00} in fees caused by Paypals error. XXXX informed me they would not refund me the fees because it was Paypal 's error and Paypal should refund the fees since they were not authorized to use my XXXX acct. 
I then called into the same dept at Paypal who drafted the letters for my bank and was transferred to a manager who informed me that they could not return all the fees as it was more the their norm and beyond the time period, yet he would apply {$100.00}. Into my paypal acct. 
I feel this is unfair, as {$100.00} is not reasonable, I want the full amount of {$720.00} returned to my acct. As Paypal drafted letters for my bank outlining their transaction to pay me the total fees for their error in that Paypal was not authorized to use my XXXX acct. So why when they are presented with paying for their error they only want to credit me {$100.00}, when they were willing to have my bank pay all of the fees in the amount of {$720.00}.
Consumer complaint received 2015-08-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I opened an account with capitol one in XXXX XXXX. I had a max balance of {$300.00} and slightly went over. After complaining to capitol one directly about the extraordinary extra charges that they were putting on my account and would not work with me, I stopped paying on the account and allowed it to go into charge off state and avoided paying it while they charged interest and charged it off at {$700.00}. 
XXXX XXXX I received an additional account on my credit report from around the same time in XXXX that I was not financially responsible for. I contacted capitol one and asked for this to be removed and filed a complaint with them. They in turn sent me paperwork saying that it was correct and it was from my XXXX XXXX account and not the one that I was n't financially responsible for. After consulting with a few different agency and them putting inquiries on my credit report I finally located XXXX that was willing to sit down and help me. 
I contacted capitol one in XXXX XXXX and asked for the account that I was not responsible for to be removed from my credit report and to make a settlement with the other. Capitol one agreed to remove the other from my report and sent me an email with the settlement offer of {$450.00} and the account is considered settled and no further collection efforts would be made. I am under the understanding that once I paid this, the account would show closed and {$0.00} balance with it automatically being removed from my report due to age in XXXX XXXX. 
I went back to the person that agreed to help me and we got online and filed disputes with all XXXX credit bureau in regard to the above accounts. After the disputes were made capitol one removed the account that I was not financially responsible for reluctantly. They also showed my original capitol one account still being in collections/charge off state with a balance now of {$250.00}. I disputed this account AGAIN with the credit bureau 's and provided a PDF of the settlement agreement. Capitol one submitted their claim and denied my dispute. Now I am contacting CFPB for help on this matter
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MD)

Recently, I sent certified mail with supporting proof of identity theft and the agency refuses to remove items that are a resulting the theft. I have uploaded documentation that was sent. I have also filed another complaint with the FTC, this way all measures will be exhausted and the only thing left will be a civil complaint. There is nothing more to add as this has been ongoing for sometime and many credit violations have been made. There is a timeline in which this has to be addressed and they have not done anything accept take down my score as my continued effort to fix things get worse.
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

In XXXX of 2015 an auto pay was set up for equity line with XXXX through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with XXXX for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until XX/XX/XXXX. Due to the lender 's failure to properly notify us. We have several mortgages with our businesses, credit lines and credit cards and we have never been late for the past 25 years ) our credit score dropped almost XXXX points and line was closed. If lender -had given us a fair chance to remedy the error, this problem would have been resolved immediately. 

remove late pay from all XXXX credit bureaus- an inadvertent error in auto pay amount when payments were made every month & when a payment of extra XXXX was made to the same lender on another mtge is totally unfair and prejudicial - consumers with no late pays for 25 years do not deserve to have their credit ruined when lender could have made sure to contact them
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED MORTGAGE CORP (PA)

On XXXX XXXX, 2015, XXXX XXXX ( NMLS # XXXX ) with United Mortgage Corporation sent us the terms we had agreed to in order to refinance our mortgage with his company : 30 yr fixed at 3.75 % ; monthly payment of {$910.00} ( principal and interest ) ; paying off XXXX of our existing loans and leaving us with {$15000.00} cash out. This information was given to us in an email. We completed the process of sending him all of the required paperwork. Three days before we were scheduled to close, he called with the closing date and then said the next order of business was to discuss what our interest rate would be. When we questioned him on the fact that we had agreed to the loan with the fixed rate at 3.75 %, he then went on to say that the rate had adjusted over the three week period of time that it took to get our loan approved and ready for closing. We were shocked, to say the least. He went on to tell XXXX that the 3.75 % was no longer available and that it should be 4.25 % but he would do it for 4.125 % because he felt " bad '' that it went up so much. XXXX told him we would not do the 4.125 % and that we had agreed at 3.75 % and that 's what we wanted to close with. At this point, we had already given him {$420.00} to start the loan process with the home appraisal, and of course, went through three weeks of giving him all of our personal information in order to close on the loan. To make a long story short, we went back and forth many times over many, many weeks. During that time, we were able to secure another loan at 3.75 % ( which XXXX XXXX had told us was impossible ), and also learned during the XXXX process that the rates never had gone up to the 4.25 % and that more than likely it was a type of bait and switch scheme. We had to, of course, pay the new bank another appraisal fee and had to go through another whole house appraisal within 30 thirty days of the initial XXXX, and could not use the appraisal that we had done with United Mortgage because of the new government stipulations and regulations on home refinancing. We also want to note that during the weeks of back and forth with XXXX XXXX from United Mortgage, XXXX asked him multiple times to speak to his manager, which was always met with a " no, '' and that there was " no one here for you to talk to besides me. '' We were lied to, a lot of our time was wasted, and we are nervous about our personal information being used inappropriately. At very least we would like to recoup the {$420.00} appraisal fee from United Mortgage Corporation.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.