davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (IL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (KY)

On XX/XX/XXXX we received a XXXX XXXX package on our doorstep market urgent. This sat on our front doorstep for XXXX days not knowing it was out there. It was overnight express. The packet contained a cover letter stating my husband was the beneficiary of an account but did not reveal the name of the account holder. When we called they would not tell my husband until we sent the packet back with all of my husbands personal identification. About 12 days later we reviewed another packet saying they needed a death certificate and still we were not sure if it was his brother or his father. Both had passed within the past four Months. After several calls to Marcus by Goldman sacs we finely got an answer to our question. Fast forward to today XXXX XXXX and doing the dance of filling out 3 times identity sheets with notary and 3 different times a W9 that our tax advisor said was not necessary since one we won't don't have to claim the inheritance and two the interest they have given is XXXX XXXX and some change as of the first of XXXX. They kept telling us that the W9 was not filled out correctly and the identity verification sheet was missing certain things. Our bank notary seen nothing wrong with the last one we sent and we just sent our 3rd one to them this past Monday it was received on Tuesday XX/XX/year> and then on Tuesday afternoon XX/XX/year> we had another XXXX overnight packet on our doormat. This was contained another w9 to be filled out and another intent letter to be filled out and returned. This is the 3 Rd one of these we also received. Every time we have called they won't let us talk to any supervisor and say they will have one call and no one calls. So we had our attorney who is a tax attorney and 3 different people at the bank where we have had the identity document notorized No one can figure out why they are not excepting these documents. This is the case number given to me by the last person I spoke with on Monday XX/XX/year> her name was XXXX case # XXXX Thank you so much, XXXX XXXX XXXX and his wife XXXX XXXX ( I did not attach files of documents they have personal identification information )
Consumer complaint received 2024-06-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

On XX/XX/XXXX I spoke to XXXX XXXX XXXX XXXX Manager who reconciled and decreased the amount owed, since I was initially disputing the erroneous move out charges. The same day I called Genesis, debt collector and spoke to XXXX XXXX and emailed the updated amount and was told to call the next day if the amount has been updated in Genesis accounting system. Ive made at least 6 calls since then always being told to call back because Genesis has not heard from XXXX XXXX about the confirmed balanced owed. On XX/XX/XXXX, I called XXXX XXXX  at their Central Billing Dept and spoke to XXXX who confirmed the updated balance of {$330.00}. I was also told by XXXX that all correspondence should be done through Genesis. Genesis still says that havent received a confirmation regarding the new balance owed. All i want to do is pay these overpriced moveout charges so it will be removed from my credit report. Please help expedite.
Consumer complaint received 2024-06-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (IL)

I spoke with the company representative week of XXXX and asked not to be contacted during work hours. This was on a recorded line. They call me multiple times a day and more than 7x a week, as well as during work hours as documented with the attached documents. 

XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) plus many more calls as shown in the attached documents
Consumer complaint received 2024-07-09
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. (IL)

XXXX Opened XX/XX/year> ( XXXX mos ) Account status Open Type -- Responsibility Individual Original creditor name XXXX  Open Balance {$2800.00} The Signature Wasn't in handwriting INK on paperwork
Consumer complaint received 2024-06-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. This company is in violation and performing an infringement upon a consumer 's right to privacy. I have been harassed by constant and overly obsessive phone calls, text messages, emails, mailings and even pop-up visits to my home. This has caused great distress and humiliation ; I have placed a verbal cease and desist on the file and have declined any debts Portfolio Recovery has stated that I owed.
Consumer complaint received 2023-05-09
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. (MD)

To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. Validate Account XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NC)

XX/XX/XXXX XXXX contacted the company concerning the bi-monthly payment plan that have set up for my mortgage. Ive had the loan since XX/XX/XXXX and each partial payment that I make mid month for approximately {$740.00} is held and not applied to the balance of the mortgage until the beginning of the month. The main benefit of having bimonthly payments should be to reduce the principal faster. The company Mr. Cooper said this is how the payment plan is set up and give me a direct answer.
Consumer complaint received 2024-05-31
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Response to Companys Reply - CFPB Complaint XXXX To Whom It May Concern, I am writing in response to the company 's reply to my complaint dated XX/XX/year>, regarding the XXXX account XXXX in XXXX. While XXXX has stated that they conducted an investigation and verified the accuracy of the information furnished to the consumer reporting agencies, I am seeking further clarification on the specific steps taken during their investigation. 

As per the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau Regulation V, I request that XXXX provide a detailed account of the following : Verification Process : The exact steps XXXX took to verify the information provided by XXXX  XXXX, including any documentation reviewed and any communication with XXXX  XXXX. 
Any specific methodologies or criteria used to determine the accuracy of the information. 
Documentation : Copies of all documentation received from XXXX XXXX at the time of purchase, as well as any additional documents used in the investigation process. 
A detailed explanation of how these documents support the validity of the debt and the accuracy of the information reported to the consumer reporting agencies. 
Dispute Handling : A detailed explanation of the process followed by XXXX upon receiving my dispute, including any internal guidelines or procedures adhered to during the investigation. 
The name and contact information of the individual ( XXXX ) responsible for conducting the investigation. 
Compliance with Laws : Evidence of PRAs compliance with the Fair Credit Reporting Act ( as amended ), Consumer Financial Protection Bureau Regulation V, and any applicable state and local laws. 
Documentation or records showing that XXXX notified the consumer reporting agencies about the dispute and the results of the investigation. 
The Fair Credit Reporting Act ( 15 U.S.C. 1681i ) mandates that furnishers of information to consumer reporting agencies must conduct a reasonable investigation of disputes. To ensure the integrity of this process, I request detailed evidence and documentation of the procedures and findings related to my case. 

I appreciate your prompt attention to this matter and look forward to receiving the requested information. This will help ensure that all relevant data is thoroughly reviewed and that the resolution process adheres to applicable legal standards. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2024-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (PA)

I recently noticed an unknown transaction on my credit card and filed a claim online. Following this, I saw a chargeback on my account. When I reached out to Chase Bank to clarify how they confirmed the transaction, I was told that it was assumed I had my credit card when the charges occurred. I clearly stated in my claim that I did not have my card at that time. The representative I spoke to was very rude and insisted that I contact the company directly. This is impractical, as companies typically will not confirm any information to customers in such situations. The charges occurred out of state far from my home. 

Additionally, it is frustrating that while Chase frequently blocks legitimate charges when we attempt to use our card, they allowed these fraudulent charges to go through after we lost the card. I expect better treatment and support as a customer and hope this issue can be resolved promptly.
Consumer complaint received 2024-06-24
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: Self Financial Inc. (GA)

I have recently discovered that there is unauthorized intormation in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. l have reported the theft of my identity to the Federal Trade Commission 's Identity Thett Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (FL)

Accounts are showing late when They were NEVER late. 

XXXX XXXX SHOULD SHOW NO LATE PAYMENT XXXX  XXXX SHOULD SHOW ( PAID ) NOT ( CLOSED ). LAST REPORTED XX/XX/XXXX XXXX  XXXX SHOULD SHOW ( PAID ) NOT ( CLOSED ). LAST REPORTED XX/XX/XXXX XXXX XXXX SHOULD SHOW PAID NOT CLOSED. LAST REPORTED XX/XX/XXXX
Consumer complaint received 2024-07-09
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: EQUIFAX, INC. (MA)

I am disputing an unrecognized account listed on my Equifax credit report. The details of the account are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Status : Open Credit Limit : {$500.00} I do not recognize this account, and I did not authorize its inclusion on my credit report. I have no knowledge of this account, nor have I ever held an account with the details mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and verifiable information. I request that this account be investigated and removed from my credit report immediately, as it is not a valid representation of my credit history
Consumer complaint received 2024-06-24
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: Self Financial Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (MI)

Today XX/XX/XXXX I had {$1200.00} in XXXX XXXX I had deposited onto my paypal account. All of a sudden without notice they won't let me spend it and when I message them. They tell me that there is a security issue that I shouldn't expect to be able to use my card anytime soon. That's it. Without any forward notice and {$1200.00} sitting in my account. This is absolutely ridiculous.
Consumer complaint received 2018-02-08
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 — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC (NY)

XXXX XXXX filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted Nationstar Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/XXXX at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX XXXX. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/XXXX this had gone on far too long and my credit was ruined and my house is in foreclosure.
Consumer complaint received 2024-06-26
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. (PA)

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XX/XX/XXXXXX/XX/XXXXIncorrect DOB : - XX/XX/XXXX Employer - OTHER Listed below are the Accounts that are being challenged XX/XX/XXXX- XXXXXX/XX/XXXXXXXX XXXX - XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX Listed below are XXXX Collections that are being challenged XX/XX/XXXX- XXXX XX/XX/XXXX XXXXXX/XX/XXXX Listed below are the XXXX that are being challenged XX/XX/XXXX XXXX XX/XX/XXXX- XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!