davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I trust this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit report through Credit Bureaus. Despite my persistent efforts, the fraudulent entries persist, causing significant distress and adversely impacting my financial standing. 

The continued presence of fraudulent items on my credit report is not only inaccurate but also poses a severe threat to my financial well-being. I have attached supporting documentation for each attempt made to rectify this situation, emphasizing the urgency and gravity of the matter. 

I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit report to identify and remove all fraudulent entries. 

Provide written confirmation once the fraudulent items have been successfully removed. 

Investigate the source of these fraudulent entries to prevent similar incidents in the future. 

I understand the importance of maintaining accurate credit information, and these inaccuracies are adversely affecting my ability to access financial services and secure favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : Equifax : XXXX XXXX XXXX  / XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$740.00}.
Consumer complaint received 2023-12-07
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (ID)

On XX/XX/2023 requested Hunter Warfield to only contact me in writing. Provided correct mailing address and have yet to receive anything. 

On XX/XX/2023 Hunter Warfield reported collection activity to the credit bureaus against myself and my wife in the amount of {$710.00}.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (PA)

I contacted Self Financial to request the removal of a late payment from my Self Visa credit card account, ending in XXXX. The late payment occurred due to medical treatment for XXXX, which temporarily impacted my ability to manage financial obligations. Self Financial refused to accommodate my request to remove the late payment from my credit report. 

This refusal has adversely affected my credit score, making it difficult to secure better housing and manage

my ongoing health needs effectively. I have diligently attempted to resolve this issue with Self Financial, but their response has been unsatisfactory and unyielding.

I kindly request the CFPB 's intervention to address this matter and ensure fair treatment in correcting inaccurate credit reporting information.
Consumer complaint received 2023-05-05
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Community Loan Servicing , LLC services a commercial loan that I have. 

I recently discovered a problem with the impound account and property taxes and brought it to their attention on XX/XX/XXXX. 

I emailed a XXXX XXXX XXXX XXXX that I had previous contact with. He responded quickly and let me know he does not service my account anymore and XXXX XXXX is my new asset XXXX. XXXX was on vacation but upon his return we were able to navigate through most of the issues, mostly with XXXX 's help. 

We were about to wrap it all up and I had XXXX questions for XXXX. 

I asked XXXX those questions via email on XX/XX/XXXX. He responded with generic answers for specific questions I had. I replied to his email and asked him again for the answers. That was the last time I have heard from XXXX XXXX. 

Since I heard nothing I followed up with XXXX XXXX. 

I did not hear from XXXX so on XXXX I went on Community Loan Servicing , LLC website and sent an email to their general customer service email asking them for help and giving them 24 hours before I filed a complaint with CFPB. 

Almost 72 hours later, here we are, as I have not received answers to my XXXX questions.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cascade CISS Holdings, LLC (MD)

Erroneous Reporting of Missed Mortgage Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX In XXXX XXXX, my mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX  When applying for a new loan, it came to my attention that XXXX XXXXXXXX XXXX XXXX XXXX XXXX my previous mortgage lender, erroneously entered my payments for calendar year XXXX. To wit : A. On XX/XX/XXXX, XXXX approved a loan modification for my mortgage for {$4200.00} per month, which ended my arrears ( Encl XXXX ). 
B. I made monthly payments by the 1st of the month as specified. The payments were made with four ( 4 ) or five ( 5 ) USPS money orders, totaling the entire monthly mortgage obligation. { NOTE : USPS issues postal money orders with a maximum amount of {$1000.00}. } See attached XX/XX/XXXX payment. 
C. However, staff at XXXX chose to assign my monthly mortgage payments, for calendar year XXXX to various sub-categories, as opposed to applying the entire monthly payment as annotated on the monthly mortgage statement. 
D. Subsequently, XXXX staff continued to report to credit agencies as if I was still in arrears on my mortgage payments. 
E. I requested XXXXXXXX XXXX XXXXXXXX, my new mortgage provider, review my calendar year XXXX monthly mortgage payment history and correct the erroneous information provided to the various credit bureaus. 
F. XXXXXXXX denied my request to have my calendar year mortgage payments correctly identified and having the monthly amounts paid-in-full. 

I request assistance in getting my calendar year XXXX mortgage payments correctly identified and having the monthly amounts annotated as paid-in-full.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

This is the letter I sent on XX/XX/XXXX to XXXX XXXX XXXX : My account opened XX/XX/XXXX is a charge off showing an amount past due {$2500.00} on my credit reports. This inaccuracy alone means you must remove it from my credit reports immediately. In addition, this account is indeed charged off, so why did I never receive a copy of the 1099 C which you are required by law to provide me for my taxes? I did not receive either of the 1099 C. You received a tax write off for these debts, and I should not have this debt reported on my credit profile. It is now a certificate of indebtedness and income to be reported by me to the IRS. 
Please send me any and all forms or documentation proving you have the right to report this as a debt to my credit report. If you can not provide this documentation, please remove these debts from my report immediately. 
This is also a letter I sent to XXXX XXXX on XX/XX/XXXX : Dear XXXX XXXX, I have been receiving numerous harassing emails since XXXX demanding payment for a charged off account. There are two accounts that have been charged off, One for {$600.00} opened XX/XX/XXXX and {$10000.00} on XX/XX/XXXX. These accounts are indeed charged off, so why did I never receive a copy of the 1099 C which you are required by law to provide me for my taxes? I did not receive either of the 1099 C. You received a tax write off for these debts, and I should not have this debt reported on my credit profile. 
Please send me any and all forms or documentation proving you have the right to report this as a debt to my credit report. If you can not provide this documentation, please remove these debts from my report immediately. 
Please cease and desist all attempts to contact and harass me through email or mail, unless it is to provide me with documentation for which I have asked. Remove these account from all three credit reporting agencies immediately. 
There are lates being reported on my now closed long standing XXXX XXXX account, It is illegal to report transaction history. P
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp. (PA)

I sent the follow letter to First Investors Servicing Corp XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 15 USC 6802 and 16 CFR 313.7 XXXX XXXX First Investors Servicing Corp XXXX
Consumer complaint received 2023-12-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

Dear Consumer Financial Protection Bureau, I would like to extend my gratitude for your continued attention to my matter in addition to my formal complaint ( XXXX ). I am aware of the Consumer Financial Protection Bureau 's affiliation with the XXXX XXXX XXXX XXXX ( XXXX  ), a network encompassing more than 50 regulatory agencies worldwide. 

On XX/XX/2023, I received a message from PayPal titled " Acknowledgement of Your Recent Complaint. '' I promptly logged into my PayPal account to review the communication. 

Subsequently, on XX/XX/2023, I received an email from PayPal titled " Your PayPal Funds Are Eligible for Withdrawal. '' Attempting to withdraw funds, I encountered difficulties adding my bank card due to my PayPal account 's permanent limitation. Furthermore, my efforts to link a bank account were unsuccessful as the system only accepted information for US bank accounts, which I do not possess. Despite reaching out to PayPal customer support on the same day for resolution, I have yet to receive any response. It is crucial to note that my only available means to move funds from my PayPal account is by sending funds to another PayPal user or utilizing the balance for online purchases.

In addition to the response from XXXX XXXX XXXX XXXX XXXX XXXX, I have explored various legal options centered around legal agreements. Unfortunately, no dispute options or relevant information have been found to aid in resolving the permanent limitation on my account. I emphasize that I am a XXXX XXXX and registered my PayPal account here in XXXX XXXX. When logging into the PayPal website, all PayPal Help Center information pertains exclusively to PayPal Inc.

I propose that PayPal directs my case to the PayPal Account Limitations department using my PayPal email address ( XXXX ). This step would enable PayPal to review my account and involve the Section Department, as suggested by a PayPal customer support representative who mentioned that the decision to permanently limit my account was made by this department. Alternatively, forwarding my matter to any relevant department that can provide assistance would be appreciated. Please note that I contacted XXXX approximately 1-2 months ago but did not receive any response.

I strongly believe that the decision affecting my account and the challenges I am currently facing with PayPal are unjust. For additional clarity, I have attached relevant documents to this email. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-11-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (TX)

First I was in shock about this company sending me anything and I then I saw that this company put a lien on my home. I asked them who were they and I sent them a validation, verification, dispute, cease and desist letter that wasn't verified, and they filed on my credit report although we are in dispute.
Consumer complaint received 2023-12-26
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. (NM)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
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 XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (CA)

On XX/XX/2023, I went into XXXX XXXX of XXXX to see about the possibility of purchasing a vehicle. I did sign a document stating that XXXX XXXX XXXX is who I am applying. 
for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offers. I finally got up and went home. When I returned home, I seen that there are seven other banks on my Experian account that says I applied for credit with them. So I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the return mailing back from The Office of Attorney General California it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX Dealer Track it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX XXXX XXXX me. I was not told of any other bank my word of mouth nor by paperwork when I was there on XX/XX/2023, I find that what XXXX XXXX did was deceitful into doing. 
one thing, that is to demolish my credit report with numerous bank loans. bank loans that I did not authorize.

may I remind you. I have been denied credit from what I believe is from the inquiries. On document labeled attachment B it shows that that XXXX XXXX statements. 
does not show he was checking another bank. Also, when I went into the financial office XXXX XXXX had. 
everything ready for me. Which means he made eight bank?

loan offers on his own without my permission while I was.

waiting in the lobby to call me in the office.
Consumer complaint received 2023-12-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (IA)

I been receiving telephone calls of harassment, profane and vulgar language and threats of being sent to jail and prison from Source Receivables Management representatives in regards to a debt owed to XXXX XXXX XXXX XXXX XXXX  in the amount of {$270.00}. The debt is a fraudulent debt, not my debt and is the result of identity theft. Source Receivables Management is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law. The account or debt isnt my account or debt.
Consumer complaint received 2023-12-26
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-26
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 RECENTYLY NOTICED THERE WERE A NUMBER OF UNAUTHORIZED, INACCURATE, AND INCOMPLETE ACCOUNTS LISTED ON MY CREDIT REPORT THAT NEED TO BE REMOVED IMMEDIATELY. I DID NOT CONSENT TO THESE ACCOUNTS BEING OPEN USING MY SOCIAL SECURITY NUMBER AND THESE ACCOUNTS DON'T BELONG TO ME. NOT ONLY DO THEY NOT BELONG TO ME, BUT THEY ARE INACCURATE AND I KNOW CREDIT REPORTS MUST BE 100 % ACCURATE. MY CREDIT REPORTS AND CREDIT FILES ARE NOT 100 % ACCURATE. REMOVE ALL INACCURATE ACCOUNTS IMMEDIATELY BECAUSE THIS IS UNFAIRLY RUINING MY LIFE AND MY REPUTATION WITH THE BANKING SYSTEM
Consumer complaint received 2023-06-04
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. (FL)

I reached out to you guys a while ago asking about those negative items After the investigation, the items were deleted. Unfortuately, the joy was short-lived. The items have returned back to my account and creating more harm to my report and current lifestyle. As per mandatory by the FCRA 611 ( 15 U.S.C. 16811 ) it is required that you guys send me ( within 5 days ) a certification of accuracy and also a notice of the updated information. I haven't received any of this, because of this, I am demanding you remove all information associated with these debts from my credit report instantly! If the information isn't removed from my credit report in 15 days I will be forced to start Litigation and file a complaint with the Consumer Financial Protection Bureau ( CFPB )
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (TX)

I had an account with XXXX XXXX XXXX that went bad on XX/XX/XXXX. XXXX and XXXX have removed this account because it was past the statue of limitations as of XX/XX/XXXX. Experian is reporting my last payment date as XX/XX/XXXX. I have no idea why they are reporting this as it is false. I have reached out to Experian numerous times and they will not verify where they got their information.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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  {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (MD)

XXXX XXXX XXXXXXXX sold my information to this company that was from XXXX. They are illegal in maryland where i reside and they kept selling my debt.I don't owe them this money stated as they put me in collections. 
( DEBT RECOVERY SOLUTIon ) Last reported XX/XX/XXXX {$1500.00} Open balance XXXX  Original creditor Opened XXXX XXXX, XXXX ( 6 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original creditor name XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-10-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc. (WV)

I received a paper letter stating my monthly payment would go from $ XXXX to $ XXXX. I logged into the company 's app and saw that the taxes they paid for the year were almost triple the previous year. I sent a message to the company on XX/XX/XXXX  to request an explanation as to why the rate had jumped so much. This morning, I found the issue was " closed '' and no response was given.