davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (IL)

Back in XXXX of XXXX, on a Thursday afternoon, sheriff served papers to foreclose on my house. I called HSBC the next day to find out the problem. I called many HSBC offices to resolve the issue. Each time I was told that I didn't have a loan with them. I asked how can they foreclose on me if I didn't have a loan with them. Why couldn't they help when their name, loan #, etc. was on the title of my mortgage. So I never recieved any help from HSBC. I then contacted the attorney representing HSBC and they said I need to I contact the servicing company ( XXXXXXXX XXXX XXXX ) for some understanding. I received very little help from XXXX but was informed that according to their accounting, I hadn't made a payment in XXXX years. I went to my bank and got copies, front & back, of each check for the past XXXX years hoping this would resolve the issue. My personal bank anticipated a problem because no one endorsed the back of my checks. HSBC via XXXX proceeded to foreclose. I got an attorney, went to court and fought this case up until now. I find out that HSBC sold my house back in XXXX of XXXX to XXXX XXXX. The judge said that they couldn't do it, until the case was closed. Now a few days ago my attorney says we lost the case. Where did $ XXXXXXXX XXXX XXXX months go. Who stole it.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am disputing all negative items off my credit report. I have been a victim of identity theft an all of the items listed are inaccurate and invalid items listed on my credit profile. this has caused major issues with approvals and denials in all areas of life regarding my credit. please review an remove the listed items that does not follow the FCRA rules. delete and remove all items reported asap.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-06-17
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. (MD)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion reports me as an authorized user for a vehicle charge-off XX/XX/2014 and still reporting negatively on this account that is not mine. I am not a joint-owner nor did I co-sign, also I am not married never was therefore not a spouse and not held responsible!
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-06-17
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (GA)

On XX/XX/year> I notice that Eastern Account Service reported a debt of {$470.00} on my credit report. However they never contacted me before placing this on my credit report and did not give me a chance to dispute the debt before they reported to credit bureaus. 
On XX/XX/year> I called CFPB to complain about it and to file a complaint against Eastern Account services. I also stated to CFPB that I am requesting validation of the debt you ( Eastern Account Services ) claim I owe to [ XXXX ] and to show proof that they have a written agreement letter or contract with XXXX stating that you ( Eastern Services ) have permission to collect a debt on behalf of XXXX. The letter must be from directly XXXX with contact information and not Eastern Account Services. 

I also Specifically, I request : 1. Verification of debt ownership 2. Original contract or agreement 3. Proof of payments, last date of payment, account number, invoices or credits 4. Breakdown of debt amount and interest 5. Validation of any assigned or transferred debt Please provide : - A detailed accounting of the debt - Copies of all relevant documents - Proof of authority to collect and proof that XXXX is a client of their. 

I dispute this debt until validated. 
Please cease collection activities until validation is provided. If you can not validate this debt, I request : - Immediate removal from credit reports - Confirmation of debt elimination Please respond within 30 days. Failure to validate will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ).

Easter Services did not provide any of the supporting documentation ( s ) I requested. However Eastern Account Services responded back to CFPB saying We have permission from all of their clients to collect a debt But did not show any proof of this.

This is not acceptable. The fair resolution to this should be. Due to Eastern Services whom did not show any supporting evidence or documentation ( s ) that I
have requested for validation of debt.

THEREFORE I am requesting for Eastern Services to immediately delete/remove the debt from my credit report, cease contacting me and to cease reporting again.
Consumer complaint received 2019-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: 77 Elite (CA)

I received a call form a company called XXXX XXXX their XXXX XXXX 77 Elite about an opportunity for loan forgiveness and claimed to be associated with XXXX. They claimed I would get loan forgiveness through their federal program after paying 20 low payments on my overall loan dept by over {$7000.00}. They asked for my XXXX ID and password as well. They also requested my 2 most recent pay stubs. They required an upfront payment of {$240.00} on XX/XX/XXXX and 3 more payments of {$250.00} in the next 3 months and states I did not need to make payments to my student loan servicer during this time. I also did not send the remaining paperwork to this servicer and somehow they decided to charge my credit card anyways. After doing some research with department of education, I learned that requiring upfront payment for loan servicing before providing the service is illegal. After reading about student loan scams I immediately cancelled payment and called XXXX XXXX to cancel their service. I found out months later than they had consolidated my loans anyways through XXXX XXXX XXXX. I recently was contacted by phone informing me that I would be taken to collections. I later learned that their information was false/fraud and that I did not qualify for the public service loan forgiveness through XXXX I believe this is a fraudulent company and was informed that many of their actions were in fact illegal. 


Take Note : " After doing some research with department of education, I learned that requiring upfront payment for loan servicing before providing the service is illegal. ''
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

I overpaid my Chase XXXX XXXX Credit Card by {$2000.00}. ( I thought the charge was on my Chase card, it was on my AMex so I just paid the wrong bill.

After an additional charge I had a balance credit of {$1900.00}. 
This was on XX/XX/year>. I realized my mistake XXXX days later and called Chase. They said good news, because you called within 10 days of the payment we can return it to you through your checking account in XXXX days. 
After XXXX business days, no money was returned. I called back. They said, oh no, it will take 10 days. 
After an additional 10 days and no money, I called back. They said " we messed up trying to return it to your bank, now we can't refund it. '' So I requested a check, at first they told me they couldn't, and I escalated the call. I was told sometime around XX/XX/XXXX that a check would be mailed. ( Probably called 6 times ) A check was never received. Finally XX/XX/XXXX I was in the secure messages with them and they told me that a check was sent. I never received a check. So on XX/XX/XXXX they told me a check was sent out on XX/XX/XXXX. On XX/XX/XXXX I told them I didn't believe them because I still never had a check. Finally, XX/XX/XXXX I have a check and it's dated XX/XX/XXXX. 
Chase knowingly held my money from me. They refused to return it. They probably earned interest on it. They also lied to me. 
I received a XXXX letter with the check within 2 days since it was dated. This is pure fraud and simply evil. I want them investigated. I have the secure messages. They MY OWN MONEY from me for XXXX weeks.
Consumer complaint received 2024-06-27
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. (FL)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized :
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NV)

This account is not mine. This is fraud. I never use XXXX as the service and they added this to my account. I am on XXXX XXXX XXXX for the last XXXX years I use XXXX XXXX and thats {$50.00} a month. This is not my account. Can this please be taken off immediately. I was never notified and they added this to my account
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RentDebt Automated Collections, LLC (AL)

They are trying to collect a debt Im not liable of for XXXXXXXX XXXX XXXX .I asked them to provide me a an original contract. Which they didnt provide and I dont havre an original contract with RENTDEBT AUTOMATED COLLECTIONS.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Bepensa Capital, Inc. (PA)

I paid the XXXX  XXXX  in person with cash {$320.00}. This company was not supposed to charge me till XXXX and was only supposed to be {$320.00} in pics instead charged me multiple times on XX/XX/XXXX even though the instructor told them I had paid him in person with cash. They Refuse to fix the non-efficient funds they caused, which was a total of XXXX. XXXX was contacted multiple times and will not fix it.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc. (CA)

I have requested a name change on my Cash App account per a legal name change that I have recently done. I have provided all the requested legal documents to Cash App to process this request. To date I keep getting the run around and lack of assistance from the company. A case has been created and is pending but has not been resolved yet.
Consumer complaint received 2024-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

I had an old venmo account linked to my old phone number and email address ( email is now closed ). I was able to contact the person with my old number to try to get logged into my old venmo, but I couldn't contact a live person to help get me into my old account. I had somebody send money to the old account on accident and now can not access the account or money.
Consumer complaint received 2024-09-15
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc. (SC)

Dear XXXX Credit Request for Deletion of Collection Debt I hope this letter finds you well. I am writing to address an issue regarding a collection account listed under my name and to request its deletion based on specific legal provisions. 

I understand that the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) outline the rights of consumers concerning debt collection and credit reporting. To summarize the relevant laws : Fair Credit Reporting Act ( FCRA ) : -The FCRA mandates that all information reported to credit bureaus must be accurate, complete, and verifiable. 
-Under Section 623 of the FCRA, if the information provided by a debt collector is inaccurate or unverifiable, it must be corrected or deleted.

-Additionally, Section 605 outlines that negative information, including collection accounts, should be removed from a credit report after seven years from the original delinquency date. 
Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA ensures that debt collectors follow fair practices in their dealings with consumers. This includes providing accurate information about the debt and ceasing collection activities if the debt is disputed or deemed incorrect. 
If a debt collector fails to validate the debt upon request or continues to report inaccurate information, they are in violation of the FDCPA. 
Based on the above regulations, I am requesting the deletion of the collection account XXXX XXXX XXXX ( XXXX XXXX ) from my credit report due to [ state the reasone.g., inaccuracy, failure to validate, or expiration of the reporting period ]. I have enclosed relevant documentation supporting my request. 

Please confirm the receipt of this letter and the steps you will take to resolve this matter. I appreciate your prompt attention to this issue and look forward to your response within the timeframe stipulated by law. 

Thank you for your cooperation.
Consumer complaint received 2019-07-10
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-09-19
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC (UT)

I first was contact by this collection agency back in XXXX XXXX XXXX I spoke with a couple representatives and ultimately agreed to a payment arrangement of XXXX XXXX 

Both in XXXX XXXX XXXX, I had to request to reschedule the payment to a different date, and this was not a problem, both times. ( I've attached a photo of an email in one of these exchanges. 

In XXXX, I did have an issue when the payment processed, and it was returned as insufficient funds. I did call the company to reschedule, and it processed fine. 

Here in XXXX, my payment due date is the XXXX of each month. On XXXX  XXXXXX/XX/XXXX, I called the representative that I spoke to in XXXX, her name is XXXX and I called her direct line. It went to voicemail, I left a voicemail asking to reschedule the XX/XX/XXXX payment because I knew it wouldn't process. XXXX never returned my call. 

Of course the payment hit my account on Monday, and was returned for insufficient funds. 

Today, XX/XX/XXXX, XXXX called me about this return. When I brought up my question about my voicemail, she had no answer. She said because this payment was returned, I now owed {$50.00} instead of {$25.00}. She also said I could not reschedule payments, and that the monthly payments should be {$50.00} a month instead of {$25.00} a month. I asked for explanations of all of this, because this was not what I was told when I agreed to the arrangement. I asked to speak to a supervisor. 

The supervisor who came on was just rude, obnoxious from the beginning. And when I pressed him about my voicemail left on Friday, he said I needed to keep calling. I said shouldn't someone from your company return my voicemail. He said " that isn't how it works here ''. In my view, had I connected with XXXX on Friday, XX/XX/XXXX I would have rescheduled my payment and thus not have this situation that happened today.
Consumer complaint received 2024-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (PA)

Noticed on0 my credit report that a collection agency Arrgon Agency was trying to collect a {$2700.00} debt owed to XXXX XXXX in XXXX, PA . The account # for XXXX shows XXXX. 
The name on that code is XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX My name is XXXX XXXX, same address XXXX XXXX XXXX XXXX, PA XXXX My account number with XXXX is XXXX It states that the account was opened XX/XX/XXXX to XX/XX/XXXX. 
I did not move into XXXX XXXX XXXX until XX/XX/XXXX This is not my name and not my debt