davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
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. (IL)

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX presumed that no proof of the allieged debt. Nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXXXXXX XXXX. {$4000.00}, XXXX XXXX XXXX. {$600.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$34000.00}
Consumer complaint received 2024-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

On XX/XX/XXXX my mortgage company ( Pennymac ) attempted to auto withdraw my monthly mortgage payment. There were insufficient funds so that payment failed. When my bank notified me, I immediately went and made a manual payment for the full payment due. Pennymacs records reflect that this manual payment was received effective XXXX. On XXXX Pennymac attempted to withdraw a second payment from my bank account for that missed XXXX payment, overdrawing my account. When I called on XX/XX/XXXX to speak with Pennymac, I asked why it reached into my account for a second payment when its records reflect that my XXXX mortgage payment was made in full. I was told that it is Pennymacs policy to continue to attempt to withdraw that auto payment. I was also told the only way to stop Pennymac from making further attempts was to call my bank and report Pennymac as a vendor that can not withdraw payments ; that Pennymac can not stop its system from continuing to try to collect that XXXX payment. My bank advised me that if I flagged Pennymac as Pennymac is suggesting, I would no longer be able to make any auto payments on my loan.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

Im writing this email in hopes to get some assistance with a confusing issue of which I have not had much luck with a solution. I have all of the documents that shed light on the issue. This is in regards to a XX/XX/XXXX tap to pay on my Venmo business account, yes I used my own credit card to do it. I tapped to pay my own credit card on my own Venmo business account as a form of cash advance. 

Please see that the transaction in question from XX/XX/XXXX is still currently in a pending status on Venmo 's end as a suspicious transaction and never went through on Venmo 's side. However it did go through on the banks side. 

You can see on the attached banking statements that the charge posted from XX/XX/XXXX. 

I never received the money, so I filed a dispute. A temporary credit was issued by my bank. 

When I called Venmo for an update, they advised me to drop the dispute so they can further look into the actual XX/XX/XXXX transaction in question. 

Then when the dispute was settled in my Venmo accounts favor it was added back to the bank statement. 

My Venmo account went negative due to the dispute. However, the transaction in question never actually processed, or at least I never received that money on Venmo- which is the main issue ( because my account was instantly banned after this XX/XX/XXXX transaction, it stayed in a pending state ) Due to the chargeback team pulling money from my account from the dispute, it made my negative {$2400.00}. So when Venmo credited me the money after the dispute was settled, they brought my account up to {$0.00}, however it should be {$2400.00} Using your own credit card as a form of cash advance may seem weird, or fraudulent, but there is nothing against it in the Venmo XXXX. It has less fees then a cash advance and is just a smarter way to get around fees. 

Ive done it before multiple times without issue before this. No disputes ever had to be filed - I Had to in this situation. 

I am not trying to take money from Venmo. I am not trying to scam anybody out of anything. I am simply out {$2400.00} and would like some help so I can be made whole. It is a slightly confusing case where I have made little progress and have gotten frustrated at times. Please do not simply look at my case and throw it away without doing a proper investigation. This has been ongoing since XX/XX/XXXX. 

A few key points to remember : 1. Yes I know the dispute was settled and handled through the bank 2. The heart of the issue is the XX/XX/XXXX transaction. The money never came to me. It was always stuck in a pending status which set off the domino effect. Start with step 1 - how could this transaction possibly have been disputed, if this transaction technically never went through on Venmo. You can not reconcile those 2 things.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (MD)

The company Barclays Bank, put an inquiry on my credit bureau report on XXXX XXXX with no authorization from me.. I didnt apply for anything from them. XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.
Consumer complaint received 2024-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

Caine and Weiner claimed to have obtained my personal information, including my Social Security number and date of birth, from a creditor in order to place a fraudulent collection notice on my credit report. However, when I contacted the creditor, they confirmed they had no record of an account under my name and did not share any of my information with this company. 

Despite my formal requests for proof of the debt, account details, communication records, and an explanation of the verification process, the company has failed to provide any of this documentation. I believe this company unlawfully accessed my personal information to place a false collection notice on my credit report.
Consumer complaint received 2024-08-21
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. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 2024-09-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TN)

I am writing to formally dispute a debt reported by Resurgent Receivables LLC on my credit report, which I was previously unaware of. I believe this entry to be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ), which mandates proper notification to consumers before reporting a debt to credit agencies. 

To date, I have not received any notification from Resurgent Receivables LLC regarding this alleged debt prior to it appearing on my consumer report. Under the FDCPA, debt collectors are required to provide written notice of the debt within five days of their initial contact, including information on how to dispute the debt. I have not received such notification, which constitutes a failure to comply with this requirement. 

If Resurgent Receivables LLC contends that they have provided proper notification of this debt, I request that they provide proof of such notification, including the certified mail receipt with my signature, to substantiate their claim. 

I am serving this letter as both a formal complaint against Resurgent Receivables LLC for their non-compliance with the FDCPA and as a pre-arbitration notice. Should my consumer rights not be respected and this false account is not removed from my credit report, I will be compelled to initiate arbitration proceedings to address the false and misleading practices in violation of the FDCPA and my consumer rights. 

Please investigate this matter and assist me in resolving this issue promptly. I would appreciate a written response from the CFPB regarding the steps taken to address this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Abrahamsen Gindin LLC (NJ)

I have received a mail from Abrahamsen Grinding. 
About a Debt that I owe reference number is XXXX. That is already have been deleted on my credit report and I would like proof that the Debt is by send me information about it such as Date of Birth, Social Security, address, email address and phone number!

I went on the website they had provided enter my information. Errors stated no account found
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance XXXX - XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX XXXX Balance : {$0.00} CONFIDENT FINANCIAL XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC (NC)

Selene Finance Account # XXXX Selene Finance took over my mortgage less than a year ago ( I think ) Recently, I received a notification from XXXX, my homeowner 's insurance provider, about my upcoming annual premium. On three separate occasions, I called Selene Finance and experienced extended holds exceeding thirty minutes each time after asking to speak with a supervisor about my paying my homeowner 's insurance. Finally, on XX/XX/2024, I was informed that I do not have an escrow account and am responsible for paying my insurance directly. This was surprising as I was also incorrectly told that I reside in a condominium, which is inaccurate ; I live in a two-story house. For over 15 years, my mortgage payments have included an escrow portion for taxes and insurance. Despite my insistence I was repeatedly told that I do not have an escrow account. I stressed that I do have a escrow account and for 15 years my homeowner insurance have been paid by the mortgage company. Is advised the customer service rep that my insurance payment, as indicated by XXXX, is due on XX/XX/2024, and requested urgent escalation, but was denied. 
Subsequently, I was put on hold again, and another agent informed me that an email was being sent to the relevant department. I provided my insurance agent 's contact details from XXXX XXXX XXXX, XXXX, at XXXX ext XXXX. I was assured of a follow-up, which I have yet to receive. I reiterated the urgency due to the impending due date. I am seeking an explanation for the changes in my account details following the transfer to Selene Finance and require confirmation that my escrow is being managed correctly. My monthly mortgage payment is {$1500.00}, which includes contributions to both the mortgage principal and the escrow. I am requesting assistance as Selene Finance has not been helpful, and my confidence in their handling of the situation is waning. 
I need my homeowner insurance paid as it has been for 15 years. I also need information corrected that I don't stay in a condo.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently locked my credit report with the assistance of my fiance. She is helping me. I am a XXXXXXXX XXXX XXXX XXXX In XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since then, I have been losing my eyesight slowly each year. I am now XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and have no Drivers License in any state as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have 100 % XXXX with the XXXX due to this XXXX. I am not sure who is attempting to apply for cars or automobile loans in my name, but it is not me. I have not provided anyone with permission to apply for anything in my name that pertains to a car since I can XXXX XXXX XXXX and I XXXX  everywhere I go, unless someone drives me. See attached my state ID, XXXX and a screenshot of confirmation emails for XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I also have not been known by these names. My name is XXXX XXXX XXXX, XXXX. The following names are not who I identify with. Please remove the following names from my report. 

XXXX XXXX XXXX Please remove the following addresses from my credit report. These belong to relatives and are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: General Motors Financial Company, Inc. (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

My accounts have been going thrugh fraud issues wells fargo decided to determine that transactions were valid when they were not as i advise so they made a reversal of credits and overdrafted my checking account on top of that before that happend y account got oney taking out again and now they want me to wait almost XXXX buissness days for a resoltion i advise them that the money is for me to pay what is left of my rent they still keepon maing me wait and always is a no i have asked to speak to managers and they say we can put a call back and no managers have reached out to me at all so they stated that if i a provided a temp credit is going into the over drawn account and am still loosing money no matter what so this bank is not helping and am not getting valued at all they have told me that the claim has been proccessed and is still open now that another lie.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

-- - First of all, hello everyone. I deposited a check for {$2500.00} from my salary into my account at the XXXX branch of Bank of America through an ATM on XX/XX/XXXX. The receipt from the ATM indicated a one-week hold period. The next morning, I went to the bank and told them that I couldnt wait a week to cash the check because I had no other money available. Despite this, they told me that it was their policy, and I had to wait. I tried to withdraw the check and close my account, but they said they couldnt give the check back to me and that I had to wait. 

After that, I kept checking the mobile banking app and saw that my deposit was still pending. Today, the status changed from a regular hold to just pending, still showing that the deposit was on hold in the mobile banking app. On XX/XX/XXXX, I received another email stating that my deposit would be available on the XXXX. I went to the bank again and got a chance to speak with the branch manager. I explained my situation, telling him that I needed to pay my rent and that I was living off these salary checks with no other money available. He then told me that the funds would be available in my account on the XXXX. However, the email I received showed the XXXX as the availability date. I called customer service again, and they told me the funds would be available on the XXXX. 

Im being completely humiliated by my own money, by my own check. This banking system is unacceptable. Right now, I dont even have enough money to buy gas for my car. My account balance is {$0.00}. Bank of America has totally left me in a difficult situation. My car is a rental, and the payment is overdue. I couldnt pay my rent. I dont even have money for food right now. Bank of America is a total regret. Anyone considering opening an account or doing business with Bank of America should think twice, or rather, three times. They have a completely garbage system. They even asked for my address to send me a card from the same bank where I opened my account. Despite providing the correct address and confirming with them a second time, they still sent the card to the wrong address. This bank and its employees have put me in a terrible situation. 

If this process drags on any longer, they wont give me my check back. I will initiate all necessary legal actions. As of today, I will likely lose my home and car. Because of Bank of America, I will probably end up on the street. This is unacceptable, and I demand action to be taken. 
XXXX regards
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SG and Associates (TX)

Dear XXXX XXXX XXXX XXXX : XXXX XXXX I am writing to dispute the unauthorized sharing of my personal financial information in violation of the XXXX XXXX. I recently discovered that you have been sharing my financial information with third parties without my consent, which is a direct violation of the privacy protections established by the XXXX XXXX. 

As a consumer, I have the right to control how my personal financial information is shared and used by financial institutions. By sharing my information without my consent, you have not only violated federal law but also breached my trust as a customer. 

I demand that you immediately cease sharing my personal financial information with third parties and provide me with a full accounting of how my information has been shared up to this point. I also request that you take steps to prevent any further violations of the XXXX XXXX in the future. 

Failure to comply with these demands will result in further legal action being taken against your company. I expect a prompt response to this dispute and a resolution to this matter as soon as possible. 

Sincerely, XXXX XXXX XXXX Account XXXX Your client : Stafford Group Associates
Consumer complaint received 2024-08-21
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. (NC)

I need your support to address an incorrect account on my credit report. This issue has negatively impacted my reputation, and I require your help immediately. Your improper reporting has caused immense distress, and I need these mistakes corrected to ensure peace for my family.