davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-20
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. (IL)

THIS PROCESS HAS CAUSED ME EXTREME STRESS IN THESE ALREADY STRESSFUL TIMES. ALSO, TO KNOW THAT I HAVE DONE EVERYTHING ON MY END BY THE BOOK AND TO SEE COMPLETE DISREGARD TO THE SECURITY OF MY PERSONAL INFORMATION AND FINANCIAL REPUTATION FROM ALL THREE OF THE BUREAUS THAT PLAY SUCH A BIG FACTOR IN HOW LENDERS, EMPLOYERS, AND EVEN SOME GOVERNMENT OFFICES VIEW ME. 
THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED TO ME SO I AM CONCERNED WITH THE INFORMATION THE BUREAUS ARE ACCEPTING BEFORE RUINING CONSUMERS LIKE MINE LIVES AND HELPING UNVALIDATED COLLECTION COMPANIES SMEAR OUR FINANCIAL IDENTITY. NOT ONE OF THESE CREDITORS/COLLECTION COMPANIES FOLLOWED THE FCRA PROCESS AND NEITHER DID XXXX, EQUIFAX NOR XXXX WHEN THEY ASSISTED THE COLLECTION AGENCY AND ADDED THIS FRAUDULENT DEBT TO MY CONSUMER CREDIT REPORT. 

ACCOUNTS : XXXX XXXX XXXX - {$0.00} XXXX XXXX - {$440.00} XXXX XXXX - {$650.00} XXXXI XXXX - {$250.00} XXXXL XXXX XXXX - {$680.00}
Consumer complaint received 2021-12-20
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: Penn Credit Corporation (NY)

Penn credit Corporartion did NOT address my concerns. The did NOT send adequate verification of the alleged debt. They are in direct violation of my rights under the fair credit act. They must delete this erroneous account immediately. I have sent them proof of TAX return 2019, W2, paystubs, and a lease agreement in the persons name who apartment belonged to and they've done nothing to assist me in a resolution. They are not interested in hearing the facts. They did nothing to resolve this issue. I will seek legal action against Penn Credit corporation if they don't fix this matter right away. 

I have attached copies of all the documents sent to Penn credit corporation
Consumer complaint received 2019-11-21
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: EQUIFAX, INC. (IL)

I recently checked my credit report to apply for a mortgage loan and I found several errors on it due to identity theft. I contacted the XXXX, XXXX, Equifax and wrote letters challenging the inaccuracies of the fraudulent accounts. All three credit reporting agencies sent me a letter stating that the accounts were verified. However, they did not provide any proof or send me any original documents with my signatures on them verifying that the accounts in fact belonged to me. I also sent out more letters requesting that XXXX   XXXX, and Equifax send me the original documents again and never received the any legible proof. This has been an on going situation for almost 90 days now. I need these issues resolved immediately.
Consumer complaint received 2021-12-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX 's XXXX XXXX Account was paid in full over 90 days ago and is still showing a balance due of {$260.00} on the XXXX 's web site. This is also being reported incorrectly to XXXX  and Equifax.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (FL)

Cease and Desist Harassment and Dispute of Account Dear Spring Oaks Capital , LLC, I am writing to dispute the validity of the account referenced below and to demand an immediate cessation of all harassment related to this matter. 

XXXX XXXX : XXXX Bank XXXX Account XXXX. : XXXX Current Creditor : Spring Oaks Capital SPV , LLC Reference No. : XXXX Balance : {$3400.00} I contest the validity of this debt for the following reasons : 1. Lack of Notification : I have not received any prior notification regarding the transfer or sale of this debt from XXXXXXXX XXXX to Spring Oaks Capital SPV , LLC. According to legal requirements, creditors must provide written notice to the debtor before transferring or selling the debt to a third-party collection agency. The absence of such notification constitutes a violation of my rights. 

XXXX. Harassment : I have been subject to relentless and harassing communications from your organization regarding this debt. Despite my requests for validation of the debt and verification of your authority to collect, these communications have persisted, causing significant distress and harassment. 

XXXX. Request for Removal : I demand the immediate removal of this account from my credit report. Due to the lack of proper notification and the harassing nature of the communications, I assert my right to have this account deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

In light of the above, I demand that all communications regarding this debt cease immediately. Furthermore, I request that Spring Oaks Capital , LLC take immediate action to investigate and rectify the violations outlined herein, including the removal of the account from my credit report. 

Please be advised that any further attempts to collect on this disputed debt or any continuation of harassing communications will be met with appropriate legal action.
Consumer complaint received 2022-10-11
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-20
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)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THIS IS NOT A DUPLICATE COMPLAINT, I HAVE UNAUTHORIZED INQUIRES ON TRANSUNION MOST OF THE INQUIRES WERE REMOVE BUT 3 STILL REMAIN ON MY REPORT. XXXX XXXX, XXXX. XXXX.
Consumer complaint received 2021-12-20
Product: Credit card or prepaid 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. (NJ)

A payment was made with my credit card to a roofer merchant. 
The service was not provided and I have submitted clear proofs to that ( pictures and contract ). 
Chase has refused to look at the proof provided and has dismissed the dispute based on no reason. 
I demand a fair and honest process to resolve the issue
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc. (TX)

ATTN : REGISTERED AGENT FOR SELF FINANCIAL , INC Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. 
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports Remove all remarks or comments off my consumer report. 
Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature. 





1. Name and address of the original creditor who created the debt.

2. Name on file of alleged debtor. 
3. Alleged account # 4. Address on file for alleged debtor. 
5. Amount of alleged debt.

6. Date this alleged debt became payable.

7. Date of original charge or delinquency.

8. Was this debt assigned to a debt collector or purchased? 
9. Amount paid if debt was purchased.

10. Commission for debt if collection efforts are successful.

11. Documentary evidence that this agency is in fact the holder in due course.

12. Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ). 
Please provide the name and address of the bonding agent for SELF FINANCIAL, in case legal action becomes necessary : Authorized Signature of Creditor : You must return this completed form along with copies of ALL requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within thirty days from the date of your receipt of this letter. Please be aware I understand falsifying and concealing documentary evidence of statements of entries is punishable under Title 18 U.S.Code 1001 for up to five years of imprisonment.

Without the information which is required by law for your offices to have on file there is no valid way that your office can validate any alleged debt. 
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

To acquiesce or failure to comply with the requirements of this notice would be admittance to stating there is no proof of claim for this alleged debt, you agreed to discharge the matter accordingly not sell or assign this matter to another agency, as well as remove the false allegation off of all of my consumer reports and will compensate me accordingly in the amount of the presented invoice in good faith and ordinary care for the financial damage caused by the reporting false allegation. 
Your prompt attention and response is both requested and required.
Consumer complaint received 2021-12-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters to XXXX, XXXX and TransUnion on XXXX/XXXX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Onity Group Inc. (CA)

XX/XX/2019 XXXX and XXXX dropped my credit score by XXXX points when I am consistently paying my debt down. I dont feel they have a right to do that because thats destroying me. XXXX to XXXX thats not right!!!! Restore my credit score to what it is or higher. I paid {$1800.00} dollars in the last 30 days to reduce my overall amount of used credit. This is not fair, stop destroying my credit. My mortgage company changed from Ocwen to PHH and is reporting my loan as a new modification, this is incorrect.
Consumer complaint received 2024-05-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (TX)

TD BANK USA/TARGET XXXX XXXX XXXX XX/XX/XXXX Revolving credit limit {$400.00} Activity designator Closed Date reported XX/XX/XXXX Charge off amount {$880.00} NO ACTION HAS BEEN TAKEN BY COMPANY TO RESOLVE
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ARVEST BANK GROUP, INC. (OK)

I want to report that on XX/XX/2021 I used XXXX  and my Arvest bank account to pay for XXXX tickets that I ultimately did not receive. I have reported this with the Federal Trade Commission. The Federal Trade Commission has directed me that I am entitled to request my funds be returned to my account and ask Arvest to pursue the individuals involved in the transaction. Arvest has not even responded to my attempt to inform them of the situation. 

Payment of {$370.00} through XXXX via Arvest to XXXX XXXX XXXX XXXX XX/XX/2021. 

There was a man involved, or at least a mans name being used, XXXX XXXX. The email address associated with the above transaction is/was XXXX He reported that XXXX is his wife and the account is through her.

I found out that this happened to another person on the ticket site from this same " seller '' but he was selling hockey tickets ... .under the same name, on the same site, after he did this to me.

I hadn't reported it sooner because I wasn't aware the tickets he sent to my email were not valid. They appear valid but are not. 

It's Extremely misleading to have XXXX  on the Arvest banking/billpay page. The implication is that XXXX  is trusted by Arvest and therefore the consumer will be protected.
Consumer complaint received 2021-12-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

Pennymac is making it unreasonably difficult to gain access to insurance funds in order to make repairs for damage sustained during Hurricane Ida. First, they insisted on having a contractor make simple repairs that I could have done on my own. Instead I have to wait for months for a contractor to be able to get to me due to it being a disaster area. Then, while submitting the required documents they deny their own forms, stating that they do not accept that form ( substitute for w-9 ) even though the form was taken from their own list of required documents. The company never calls back when they say they will and has never been able to provide an acceptable explanation for making things so difficult. They requested that I complete the repairs on my own, with my own funds, then they will release the insurance funds once I pass a final inspection. So what is the point of having insurance if they want me to pay for the repairs myself. The likely answer is that they're making money off of investing all the homeowners ' insurance money they're holding in the market.
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Consumer Finacial Proteccion Bureau XXXX XX/XX/XXXX Reference : Case No XXXX The day XX/XX/XXXX I received the documentation from Bank of America regarding my case No XXXX concerning the bank fraud and identity theft over my Money Market No XXXX XXXX XXXX where the sum of XXXX XXXX was reimbursed to me. The additional sum of XXXX {$11.00} was not credited to the account and in consequence was not reimbursed to me. 
After checking the information given by the bank I discover certain aspects that were not taking into consideration : The claim of XX/XX/XXXX was over the total of transactions that took place in XXXX and not since XX/XX/XXXX as the bank affirms. The identity theft took place on XXXX. The bank is not taking into account the withdrawals for that period that are XXXX {$1800.00}. 
There is no explanation of why the bank did not credit the withdrawals of the following periods if they correspond at the same bank fraud and identity theft : XX/XX/XXXX to XXXX XXXX {$38000.00} XX/XX/XXXX to XX/XX/XXXX {$20000.00} XX/XX/XXXX to XX/XX/XXXX {$6.00} XX/XX/XXXX to XX/XX/XXXX {$920.00} XX/XX/XXXX to XX/XX/XXXX. {$2.00} Regarding this situation, I ask your intervention on my claim that was caused by Bank of America. The Bank issued debit cards to people that stole my identity and send those cards to addresses that were not registered by me. I had this account for over 30 years with the same address and never has asked for a debit card under my name of other names. 
XXXX XXXX XXXX. 

Attached is a copy of the detailed debits that have not being credit by Bank of America.
Consumer complaint received 2021-12-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

The reason that I am making a complaint is because I had requested for a loan modification with my 2nd XXXX XXXX but I had been denied several times. Now I have placed my home on a Short Sale to avoid a Foreclosure and as of today my second loan with Planet XXXX has come with a Settlement in which the first Loan with XXXX has been trying to work on getting a final Settlement. XXXX needs more time to come out with the figures necessary to come to a fair Settlement to both loans. I am getting foreclosed 5 days before XXXX and my family are just so stress thinking we are going to be in the streets. I tried to keep my home applying for a loan modification and Planet XXXX said my only option was to sell my home under a Short sale and i did the process but now again i am now getting foreclose any way. I want to keep my home if their is any program that can help me avoid to get Foreclose. This loan was giving to me as an XX/XX/20 I need help at least to get protected by the Moratorium or Covid-19 Pandemic. anything to avoid tomorrow 's foreclosure not to be out in XXXX. If I have no chance to keep my home at least to sell under a short sale. If the government is placing any protection to help families like mine. I begged you to help me stop this sale
Consumer complaint received 2019-12-13
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)

THE ACCOUNTS BEING DISPUTED HAS BEEN CLOSED WITH MY KNOWLEDGE AND AUTHORIZATION. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE FOR THEY HAVE TARNISHED MY NAME. I AM NOT PLEASED WITH THE RESULTS AND WOULD LIKE FOR THOSE ACCOUNTS TO BE PERMANENTLY REMOVE OFF MY CREDIT.
Consumer complaint received 2019-01-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings (AZ)

The day before the payday loan that I had was due my account and card were both locked by Speedy Cash. I was unable to log into the account to make any payments or review loan information. The company said this was an internal security precaution and that I should use an ID to pay in person. After visiting a Speedy Cash branch, I was told that my prepaid debit card had been locked and that it would not be possible to process any future payments. Two years later, on XX/XX/19, a derogatory entry from a collection agency for a Speedy Cash payday loan, suddenly appeared on my credit report. I was not contacted by Speedy Cash in any way and did not receive notice from a collection agency.
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (NC)

Constant harassing phone calls daily about a XXXX XXXX account I do not own. This has been happening since XXXX. They keep saying that theyll take me off their list but they keep harassing me at my place of business. The companys name is Sequium. XXXX.
Consumer complaint received 2021-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I discovered an unauthorized non-Chase ATM withdrawal of {$160.00} from my business checking account ending in XXXX made on XX/XX/2021 which was a day I never left my house. I made a claim of fraud on XX/XX/2021 and suggested the XXXX gas station I used on XX/XX/XXXX may be where my debit card information was stolen. 

Within only a few days the bank denied my claim and when I called to ask for information on the withdrawal to attempt figuring out what happened the representative told me they can not provide any. I asked if I could appeal the decision but that isn't allowed so am now filing a complaint here.
Consumer complaint received 2019-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

TDBank Allowed a transaction that  was not approved to go through and are not helping me fix the problem.  I called to dispute the transaction but they say that it take till th end of the month to fix this. It is causing me hardship.  I called them back to ask for a credit to be added to my account but they said that they couldn't because of law but at my other bank they always have credits for dispute transactions.