davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (CO)

Jefferson Capital System, LLC made a negative entry into to my credit ratings with XXXX, XXXX and XXXX XXXX for a XXXX account that I never opened. They entered this negative entry of me without conducting an investigation of this fraudulent account. A person opened the account on XX/XX/2019 using the name XXXX XXXX, my social security number, an email of XXXX email which is not mine, and an address of XXXX XXXX XXXX XXXX, MD XXXX which I have never lived at. I have never lived in that State. My credit rating dropped over XXXX points due to their negligence. I have been damaged by their conduct and this crime committed against me by the fraudulent use of my social security number.
Consumer complaint received 2024-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Onity Group Inc. (PA)

I am with PHH Mortgage I was in a loan modification for XX/XX/year>. I made my first payment and my second payment was {$25.00} short when I noticed that I did mail it off within the next week. However, Im thinking due to the mail being delayed it was not received on time. I was not told that until they returned my payment in the mail, and I was taken off my loan modification, which is now causing me to be delinquent and have to pay my previous balance of penalties. I was told by a representative that there was not a problem because it was only {$25.00}. however, they did not take that payment and I was taking off of the modification. I have been in my home for 20 years and I have had some hardship. I do not want to lose my home. I do have some funds saved up, but not the total amount thats due at this time I would just like to know if theres something or someone that can assist me or give me some information to proceed. 
I was just told that I was not going to be taken off of the loan modification from my representative but within the next month I was taking off of the loan modification.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Last year I experienced identity theft, which adversely impacted my Transunion credit score, dropping it from XXXX to XXXX. The bank involved, XXXX XXXX XXXX XXXX, investigated the issue in XX/XX/XXXX and confirmed that a fraudulent account had been opened under my name, using documents that were stolen from me during a burglary occurred on XX/XX/XXXX in XXXX XXXX ( Police was notified and report is attached ), and subsequently the bank absolved me of any wrongdoing ( bank statement attached ), and they contacted Transunion asking to remove from my credit report the derogatory inquiry. Despite this resolution and despite Transunion being notified of my non-involvement with this issue, my credit score still remains at XXXX as of today, which is problematic as I am attempting to rent a house requiring a minimum score of XXXX. Today I called Transunion and they informed me that despite I dont have any responsibility in this issue, this derogatory mark will remain on my credit report for up to 7 years. So, I didn't do anything wrong in my life and now I'm negatively affected simply because I was the victim of a fraud? This is not only complete nonsense but it also raises significant concerns about the accuracy and fairness of the credit reporting process. What kind of immoral and irresponsible system allows a citizen to be penalized simply for being a victim of a crime? Thank you.
Consumer complaint received 2024-02-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc. (FL)

Recently obtain a copy of my credit report and your company

THE MB & W ( MCCARTHY, BURGESS & WOLFF , INC ) currently reporting debt to my credit report and also allowed under the fair debt collection practices act I am requesting that you allow me to validate the alleged debit please provide me with a breakdown of all the charges, dates of service and procedures give me including fees associated with the debit. Can you please provide me with this information as follows : -Validation of debt -please provide a breakdown of fees including any collections costs. -provide a copy of my signature with the provider of service to release my information to you. -requesting purchase agreement between the original creditor. -Cease any credit bureau reporting until debit has been validated by me. -revoking all rights of communicating with you through
email, text, calls These XXXX consum

er laws were also violated : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies Without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Please send this information to my mailing address listed above and except this letter as my formal debt validation request, which Im allowed under the FDCPA. Additionally and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the fair credit reporting act which can allow me to seek damages from your collection agency I will await your reply with the above requested proof per the standards you have XX/XX/XXXXdays in ways to respond to the request or this debt will be considered invalid and removed from the credit bureaus expected or damages will be sought after.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has XXXXolated my rights.

15 U.S.C 1681 section 602 A. 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-01-17
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. (SC)

I've observed several deviations from mandatory reporting standards, which raises concerns about the accuracy and completeness of the data in my report. Consequently, I reject the allegations against me and challenge you to provide evidence that justifies reporting this incomplete negative information on my credit report.

In accordance with 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) mandates furnishers to provide information about consumer accounts with integrity and accuracy. It also requires them to conduct reasonable investigations of consumer disputes, following Metro 2 compliance standards outlined in the CRRG.

Deviation from these standards jeopardizes the integrity of the data, as emphasized in the CRRG. Any errors in reporting can compromise the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccuracies and non-compliant items. Ignoring my request would indicate a disregard for my consumer rights.

It is unjust for you to report unconfirmed and potentially unethical information that does not meet certified reporting standards. I am disputing these claims and demanding proof of proper reporting standards. Your actions are a violation of my rights, as outlined in this document. The incomplete and non-compliant nature of the report does not meet legal standards. I insist that you certify all aspects of required FCRA/Metro 2 compliance truthfully, correctly, and in a timely manner. Failure to do so may lead me to escalate these issues to the CFPB, FTC, and my Attorney General.
Consumer complaint received 2023-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

Paypal refuses to provide the evidence used in closing a case I opened months ago. They continue to insist I signed a document that was never presented to me, but yet refuses to verify the legitimacy of the document when I state that it is a fraudulent document. 

They have demonstrated that they will protect sellers at all costs, and make it immensely difficult for buyer 's to recover funds stolen from them. I continue to provide evidence that I contacted the seller to cancel ( due to her abuse, even ), and that I did not agree to any terms either online, by fax, or otherwise. Paypal continues to move the goalposts, and refuse to provide evidence in order for me to provide my own to show that she is defrauding not only myself but others as well.
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Asset Recovery Solutions, LLC (OH)

XXXX XXXX ( sp ) called me at XXXX with the threat that this would sent to a legal team if I did not call him back by XXXX. I have never received any letter about this debt I need information not threatening calls which violates my rights. XXXX XXXX was very hostile towards me on this call.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Reopen complaint XXXX and escalate this to a manager who will actually read and respond appropriately. The company 's response was entirely inadequate and illustrates that they did not read the complaint at all. This issue remains unresolved and the company is knowingly publishing an innacurate credit report.
Consumer complaint received 2024-05-04
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. (TN)

I am writing to inform you that I have items on my consumer report that are a result of identity theft and not made by a transaction related to me. I never gave written consent for the following companies to furnish this information on my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$170.00} ; ( Original Creditor : XXXX ) XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NY)

I canceled my account, they sent me proof, but now are sending me bills. The account is effectively still open. They have never once helped me with any problems most of those they have caused directly. This is after they failed to honor the return protection, and failed to report positively to the credit bureau even after a complaint to CFPB. They no longer should be getting any patience they should be getting sued. XXXX XXXX should not be trusted with the time of day or a stick you find in the woods, they're looking to hurt someone with those things.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (NY)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please don't ignore my request this time to correct the negative information you reported in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  has placed a collection item on my credit report it was opened on XX/XX/year> on transunion yet on XXXX  it says it was open on XX/XX/year> which is wrong therefore needs to be deleted. 

this account in nearly 7 years old which according to the FCRA is by law needs to be removed immediately.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC. (MA)

XX/XX/24 : I used the drive up ATM on XXXX XXXX XXXX XXXX XXXX. I needed to deposit a check for {$39.00} and cash. I could not do them as one transaction so I deposited the check first. I received a receipt and had to start over with my PIN again to deposit the cash. 
I placed {$500.00} in {$20.00} bills in the machine. It started making ping noises and eventually the cash door opened with {$40.00} there. My card also came back out. An error message came across the middle of the machine and then the machine went back to the home screen. I immediately called Santander and heard no evidence that the {$460.00} that the machine kept credited to my account. 
I spoke to someone who was extremely calm about it telling me he can file a claim but couldn't do anything else. He disconnected. I called the branch next to the ATM and the extremely condescending representative told me they don't service the machine and he can't help me. 
I then sat on the phone with Santander customer service for more than a half hour ( still in front of the machine ) and the XXXXXXXX Police came to assist. They will file a report and showed empathy for the situation. 
I was told I can only receive a provisional credit for " up to 45 days '' or until the investigation is complete. No money has been added to my account and as Monday is a XXXX in Massachusetts, I likely will not see any provisional credit until at least Tuesday. 
The ATM stole my money. I have bills that need to be paid and the money is now unavailable to me. The lack of empathy, understanding and professionalism is shameful.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I DISAGREE WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR RE-INVESTIGATION. I WOULD LIKE THIS ITEM TO IMMEDIATELY BE RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. XXXX XXXX XXXX ACCOUNT NUMBER XXXX. IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, SUBSECTION A-D, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ABOVE, SO THAT I MAY FOLLOW-UP. 

ALSO, I AM ALSO REQUESTING AN ACTUAL SIGNED CONTRACT ( ALONG WITH THE DATE ), FROM ME THAT ACTUALLY ENTERS ME INTO A BINDING CONTRACT WITH EITHER COMPANY ( XXXX XXXX XXXX XXXX LISTED ON MY REPORT. FAILURE TO COMPLETE EITHER REQUESTS SHOULD RESULT IN THE ACCOUNT REMOVAL FROM MY CREDIT REPORT. 

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR RE-INVESTIGATION AND SUBMITTAL OF INFORMATION REQUESTED.
Consumer complaint received 2023-06-30
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. (TX)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On XX/XX/2023, Citizens Bank sent me a text alert, asking if I authorized charges on my debit card. I responded No, I did not authorize these charges and called Citizens Bank immediately. I was told they must allow the charges to post to my bank account in order to open an investigation even after I told them I did not purchase any of these charges from my debit card. I have called XXXX times and visited local branch XXXX times to get my money back into my account and was told I have to wait for their claims department to call me. No one has called me as of XX/XX/XXXX. The following charges are fraudulent charges and Citizens Bank refuses to honor their policy of XXXX liability XXXX  card unauthorized transactions. 
All these XXXX following charges posted to my account on XX/XX/XXXX. The charges are all from the same merchant XXXX com bill, XXXXXXXX XXXX 
{$15.00} / XXXX charges for this amount {$5.00} / XXXX charges for this amount {$10.00} / XXXX charges for this amount {$21.00} / XXXX charges for this amount
Consumer complaint received 2024-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2016-01-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am asking the CFPB for help for which purpose it was created by XXXX to protect us from " Debt Collectors and THEIR ATTORNEYS '' ( Nationstart Mortgage LLC and " XXXX XXXX XXXX '', XXXX XXXX XXXX ), who have submitted fraudulent paperwork stating that these submitted papers are the factual basis by which they have STANDING and the right to collect. 
We are exercising our right in the DOT under the Borrower 's Covenant where it is stated. BORROWER WARRANTS AND WILL DEFEND GENERALLY TITLE TO THE PROPERTY AGAINST ALL CLAIMS AND DEMANDS, SUBJECT TO ANY ENCUMBRANCES OF RECORD. 
# 1 The Corporate Assignment BY MERS OF THE DOT dated XXXX XXXX, XXXX is a " COPY '' NOT RECORDED IN THE XXXX XXXX RECORDERS OFFICE # 2 The recording was requested by XXXX XXXX XXXX, a fabricator of fraudulent documents # XXXX The recording is to be mailed to Nationstar Mortgage LLC A-The fraudulent submission of this Corporate Assignment of the DOT dated XXXX XXXX by Nationstar Mortgage LLC and XXXX XXXX XXXX, XXXX XXXX, indicate that the parties have submitted evidence indicating that for Good and Valuable Consideration (??? ) that they are now the owner. Nationstar Mortgage LLC XXXXNationstar Mortgage LLC and XXXX XXXX XXXX, XXXX XXXX, with the submission of this evidence indicate that they are the owner of the DOT XXXX However, a subsequent official recording in the rightful XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, seems to indicate another Corporate Assignment by MERS this time to XXXX Bank XXXX This is over 8 years after the fact. 
Question ... ... .How many more Corporate Assignments can take place? 
If Nationstar Mortgage LLC, attorney XXXX XXXX, do state that this is the prove of their legal beneficial interest in this DOT and STANDING, they should not hesitate but sign an affidavit according to these facts. 
Are they the Holder in DUE COURSE, not just the Holder? 
Are they representing the Lender? 
Who is the Lender? 
Or are they representing the the beneficial party in interest? 
The reason the CFPB was created is to stop excessive abuse by debt collectors. 
Nothing will do until they will sign affidavits according to their rightful Standing or stop presenting fraudulent papers and commit fraud on the court.