davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (FL)

This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over 10 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc. (VA)

Self financial / lead bank - I have 3 accounts on my credit report from them and I have never loved at XXXX XXXX XXXX XXXX and never had knowledge of the accounts til I pulled my credit report. Ive asked multiple time and disputed the items. These are not my items and I did not authorize it
Consumer complaint received 2024-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Collection Agency for Violation of XXXX XXXX XXXX and XXXX XXXX XXXX Dear XXXX Madam, I am writing to file a formal complaint against Jefferson Capital System for violating my consumer rights as outlined under federal laws, specifically XXXX XXXX XXXX and XXXX XXXX XXXX. 

The violations I have experienced are as follows : 1. Failure to Provide Validation Information ( XXXX CFR XXXX ( b ) ( XXXX ) ) : The collection agency had failed to provide the necessary Validation information for the debt in question. Despite this, they have reported this collection to the consumer reporting agencies, which is unlawful. I have not received any notice or disclosure of this information. 

2. Lack of Opportunity to Dispute the Account ( XXXX CFR XXXX ( c ) ( XXXX ) ) : I was not given reasonable to dispute the alleged debt. The collection agency has not sent me any communication that allows me to exercise my right to dispute the debt in accordance with the law. 

3. Use of False, Misleading and Deceptive Means : The collection agency is using false, misleading, and deceptive means to collect this debt, which further violates my consumer rights under federal regulations. Their actions are both misrepresentative and harmful to my credit and financial reputation. 

4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( d ) and XXXX XXXX ) : The collection agency is furnishing information to consumer reporting agencies without providing the necessary disclosure as required by law. This is a direct Violation of XXXX CFR XXXX ( d ) and XXXX XXXX XXXX ( a ), which prohibits furnishing any accounts information without following the proper procedures. 

Thank you for your attention to this matter. Please fell free to contact me if need further information. 

sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-12
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. (CA)

XXXX XXXX  XXXX XXXX This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 Section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (TN)

On XX/XX/year>, PHH mortgage sent me a letter stating my hazard insurance had expired, and I was required to purchase some to avoid any lapse in coverage. I contacted my title agent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and asked him about the situation because he was supposed to ensure all payments were made, and this is when he ( XXXX ) told me I was no longer escrowed, and I would have to make the payments for the insurance and taxes on my property myself starting immediately. So in a haste, I quickly obtain insurance ( after some back and forth between insurance companies ) and have been having to deal with issues from both companies ever since. So after dealing with a payment issue with my previous issuer, XXXX, I end up having to file a complaint with the TN Dept. of Commerce and Insurance, but I still ended up obtaining insurance with XXXX. XXXX then tells me he will issue a stop payment to the check with XXXX, and send it to XXXX XXXX XXXXXXXX is now charging me for that balance even after the state investigation found they wrongfully cancelled my policy. ( {$860.00} ) So after the investigation, I received several letters in the mail, all on the same day, and they were all dated for the same day ( XXXX ) The XXXX was a insurance policy declarations page through XXXX XXXX XXXX XXXX that was active from XXXX ; the XXXX was a cancellation notice of that policy dated the same day, reason being named insured request and I did not request a thing ; the next was that {$860.00} bill from XXXX, and lastly was an escrow analysis statement, insisting I was indeed still in escrow, which is the opposite of what I was told by XXXX and PHH! So when I call to ask questions, the reps act like dont understand and regurgitate scripted jargon back to you. When I asked who cancelled my insurance policy, I was given the run around. So after further research, I see how bad of a reputation PHH has and Im now positive they have lied to me and mishandled my mortgage. They have cost me XXXX if not XXXX of dollars in insurance payments. And my title agent, XXXX, went right along with the lie, so I currently trust no one with this hefty amount of money that XXXX forced to finance through these people! I am troubled because I see PHH has had several lawsuits against them and tons of complaints, but theyre somehow still allowed to do this to hard working people. And I actually called myself reading the fine print this time, but to know that this company with flat out lie to you and even go as far to forge documents is unbelievable!
Consumer complaint received 2024-09-12
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. (GA)

I would like to file a complaint against the three bureaus regarding the negative items on my credit report. These negative items on my credit report are severely affecting me. I would like to request that these negative items be removed from my credit report and made positive. If the three bureaus do not take action, I am prepared to file a lawsuit against them and demand appropriate compensation. According to our laws, I have the right to complain and file a case against them
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/year> I closed my account with Chase Auto by purchasing the vehicle from them under the terms of my lease. They received payment in full of {$37000.00} on XX/XX/year> from my new auto loan servicer in settlement of the payoff calculation they provided. However, I contacted Chase several times before and after the payoff to let them know that the calculation was inconsistent with my lease terms. The vehicle purchase price on their calculation was {$480.00} more than what was on my lease. I was told that this was because I had not completed all of the lease payments. However this is incorrect because the remaining two payments were also included in the payoff. As such Chase received every payment they were due on the lease and should have honored the contract. They have not returned my phone calls, messages, or letters on this matter.
Consumer complaint received 2024-09-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I was previously serviced by XXXX loans on auto pay for the previous 7 years. On XX/XX/scrub>XXXX my loan servicing was transferred to PennyMac for loan servicing. I contacted them on XX/XX/year>, to setup auto payments. During this conversation a PennyMac representative ( XXXX ) presented a bi-weekly payment program. During this conversation I was informed I would need to make 1 month payment to be eligible for enrollment. While on the phone I gave my bank account information and listened for approximately 15-20 minutes as he read the required disclosure documents. After reading the information the representative informed me my next payment would be due on XX/XX/year> in the amount {$1200.00}. On XX/XX/year> in noticed PennyMac had not drafted the first bi-weekly I reached out to their customer support. During this call I was informed my account had been suspended and I was not eligible for the bi-weekly program. This call lasted for approximately 1 hour 20 minutes of the representative trying to explain how the system would not draft my account because I would now be required to pay 2 months in advance to be eligible for the bi-weekly program. I explained to him that this was not what I was told when I setup the account. Because he continued to repeat the same prompts off of his screen I asked him to escalate my concerns to a supervisor and call me the next day with solution. When I spoke with PennyMac the following day I asked him to please listen to the recording to confirm what I was told by their representative. The following day I received another call from PennyMac highest member of their escalation team acknowledging their employee misrepresented the bi-weekly program on XX/XX/year>, and their was nothing they could do to resolve my concerns. I feel PennyMac is in breach of contract because acceptance of my payment on XX/XX/scrub>XXXX agreeing to the disclosure documents, and receiving a Welcome email on XX/XX/year>, was a binding agreement they have not upheld on their behalf. As a result I would like to made whole and compensated for the financial misrepresentation. Please let me know how to best proceed with my complaint? I look forward to hearing your response.
Consumer complaint received 2024-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

About a few months ago ( early XX/XX/year> ) a random letter from cash app was received to an older adress my family lives at. 
I was out of state and upon my return i open the letter to find a new Cash app debit for my use. I never opeed or requested and cash app account/debit card. The issues bank ( XXXX ) is request i communicate with only cash app. They ( cash app ) has not been able to provide me a written or email reprt on the situation in order for me to accurately report it or retain the information for my records. I have been XXXX I can not get information due to not being listed on the accout. I have had mutiple call with the support center and they have been trying to be hanful in getting me to the fraud department but the process is XXXX XXXX in itself and their have XXXX little direct communication with the fraud department.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (NJ)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-08-14
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. (MD)

I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely explored. Notwithstanding my endeavors, I presently can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and blocking my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused gigantic difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is happening at the earliest opportunity. I compassionately demand that you lead a careful examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and amend my credit report right away. With your assistance, I desire to reestablish the precision and honesty of my credit document so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue immediately would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AZ)

Navient put an account in collections. They never reached out to me to verify. Ive had my other school loans in good status and they placed this in collections, without verifying if it belong to me. I would like to see if this account is truly mine, I tried to appeal it and they could never verify when or if theyve ever reached out to me.
Consumer complaint received 2024-09-12
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Velocity Portfolio Group (NY)

I had a balance with XXXX XXXX  and it went to a collection with assignee of XXXXXXXX XXXX XXXX and velocity investments took over and I paid the balance to velocity investments back on XX/XX/year> for {$1600.00} its still reflecting on my credit report. They told me it would be removed and its still there.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is my seven endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX  ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

I Recently Opened An Venmo Account & Was Sent XXXX Dollars & Next Thing You Know My Account Was Frozen I Contacted Them Via Email And Then Was Instructed To Verify With Photo Identification So I Did & My Account Was Unfrozen But I Still Couldnt Send Money, I Contacted Venmo Again And Was Told To Add My Bank Account To Make A Transfer Instead Of Sending It To Someone, But Before I Could Make A Transfer The Account Specialist Told Me He Would Have To Freeze My Account While I Add My Bank Then When I Do To Contact Him Back And He Will Unfreeze It, Well That Didnt Go As Plan My Account Has Been Locked Since And They Wont Tell Me Why.