davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (NY)

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format methodignoring to report. 

XXXX XXXX Account ID : XXXX or XXXX ( please see attached screenshot that account number is different between 3 credit bureaus ) The date of the last activity for the account is different between all three Credit Reporting Agencies. After requesting investigation from the Original Furnisher and Credit Bureaus it stays same way different. That is giving me indication that it was never investigated by anyone. Please see Attached screenshot of this account in question. 

Please see attached documents of proof of me sending the letter and the agencies receiving them. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very serious that you please investigate and resolve as this is harmful to my character and is obstructing my potential to obtain financing.
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Dear CFPB, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, HAS BEEN HARASSING ME ON THE PHONE AND REPORTING FRUAD ACCOUNT INFORMATION INTO MY CREDIT HISTORY. THEY HAVE BEEN CALLING AND ASKING FOR CASH PAYMENTS AND MY SSN # TRYING TO STEAL MY PERSONAL INFORMATION FOR A DEBIT COLLECTION ACCOUNT THAT IS NOT MINE AND WAS DISCHARGEXXXX FROM MY CREDIT HISTORY FOR IDENTIFY THEIFT BY XXXX XXXX & XXXX XXXX AFTER I WROTE A LETTER & PROVIDED INFORMATION AND EMAILED FOR THE PAST 4 YEARS. XXXX XXXX HAD AGREED TO REMOVE ANY RESPONSIBLY OF MINE & DID REMOVE FROM MY CREDIT HISTORY FOR THIS IDENTIFY THEIFT ACCOUNT THAT WAS NOT OPENED BY ME AND REMOVED IT FROM MY CREDIT HISTORY FOR GOOD. PORTFOLIO RECOVERY HAS BROKE SECTION 609 OF THE FAIR CREDIT REPORTING ACT ( FCRA ) BY ADDING FALSE INFORMATION TO REPORT TO HURT MY CREDIT HISTORY WITH FALSE INFORMATION FOR ACCOUNT THAT WAS DISCHARGED AND REMOVED FROM MY CREDIT HISORY BY ALL PARTIES. PORTFOLIO RECOVERY NEEDS TO REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT HISTORY & I DEMAND THEY CLOSE THE ACCOUNT. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request THE REMOVAL OF PORTFOLIO RECOVERY FROM MY CUSTOMER CREDIT REPORT ASAP. FOR IDENTITY THEIFT & ALL ACCOUNTS IN THE FUTURE WITH PORTFOLIO RECOVERY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL SIGNED CONTRACT TO VERIFY THIS ACCOUNT & DID NOT VERFY THAT I OWN THIS DEBIT NO SIGNED ORIGINAL CONTRACT WAS SENT TO ME BY PORTFOLIO RECOVERY, IT SHOWS THAT THIS IS NOT MY ACCOUNT & NEEDS TO BE DELETED FROM MY CREDIT HISTORY. IT HAS PASSED 7 YEARS AND THIS NEEDS TO BE REMOVED FROM MY CREDIT HISTORY ASAP.
Consumer complaint received 2021-08-03
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. (GA)

Back in XX/XX/2020, XXXX and its collection agreed to removing XXXX account from all three credit bureaus and still fail to do so. XXXX cashed my check and the check stated if cashed you would remove account from all three credit bureaus and they agreed. Back in 2020 XXXX 's also know as XXXX XXXX agreed to the same thing on back of the check it stated if cashed you agree to the agreement of removing account from all three credit bureaus and they hadn't upheld the agreement. We had an agreement and they agreed to it by depositing and cashing my checks. I have attached signed and cleared checks
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AZ)

I'm 24hrs post XXXX  for XXXX XXXX. Received a call from someone claiming to be with XXXX telling me my power was about to be disconnected for failing to pay for a new utility box because the other had gone bad. Transfered on XXXX @ XXXX {$240.00} from my XXXX  XXXX XXXX zelle account to XXXX. Once I understood I was being scammed. I hung up, but I was too late. 
I then called XXXX  XXXX XXXX to dispute the charge and was told that since it had been received thru zelle I likely wouldn't be getting the money back. 
I then called zelle and was told that I had to go thru XXXX  of XXXX to file a report. So you know, a great XXXX XXXX  of no help.
Consumer complaint received 2021-07-27
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. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Back in XX/XX/2020, XXXX and its collection agreed to removing XXXX account from all three credit bureaus and still fail to do so. XXXX cashed my check and the check stated if cashed you would remove account from all three credit bureaus and they agreed. Back in 2020 XXXX 's also know as XXXX XXXX agreed to the same thing on back of the check it stated if cashed you agree to the agreement of removing account from all three credit bureaus and they hadn't upheld the agreement. We had an agreement and they agreed to it by depositing and cashing my checks. I have attached signed and cleared checks
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Lending Club Corp (VA)

On XX/XX/2021 my bank ( XXXX XXXX XXXX XXXX ) sent me letter for the transfer of {$18000.00} to Lending Club NA in XXXX XXXX which i requested. I provided them this account number ( XXXX ) on the check and this address ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX ) but they omitted the XXXX XXXX. 

The check went and it was endorsed and cashed at XXXX XXXX XXXX  on XX/XX/2021 onto Account Number XXXX. 

Lending club contacted me again that they have not receive the money. I went back to XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX to inform them of what has happened. They sent me to go to XXXX XXXX XXXX  to ask about the account used to cash the check if the account belong to XXXX XXXX XXXX XXXX in XXXX XXXX and i did. XXXX XXXX bank told me that they can not deal with me since the check came from XXXX XXXX so they have to open fraud investigation and work with their fraud investigation team. I went back to XXXX XXXX XXXX XXXX and they are not willing to do it. They are trying to distance themselves. 

I have also called XXXX XXXX XXXX XXXX also to investigate the account use if it was for them and transfer the money to close my loan account and they are also refusing to do that. I have provided them a copy of the check and the endorsement and my statement that show the transfer of {$18000.00}.
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (MN)

On XX/XX/2021 I received a debt collection letter from I.C. System, Inc. 

On XX/XX/2021 I wrote to I. C. System, Inc. not to call or mail me any further collection debt stuff, that it will be considered harasment. I mailed the letter on XX/XX/2021. 

On XX/XX/2021 at XXXX XXXX from the number XXXX, the male representative stated that he was trying to collect a debt for I.C, System, Inc. I told the guy that I wrote a letter to his company on XX/XX/2021 to not contact me further via, phone or by US Mail, that it would be considered harassment. He stated that his company doesn't have a letter in my file regarding this info. 

XX/XX/2021 after the phone call I wrote a letter telling I. C. System , Inc. not to contact me again via, phone or by US Mail. I will mail the letter via, Certified US Mail, Number XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-08-02
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. (MI)

I have made several attempts to contact Equifax regarding my identity theft report and yet they claim to have never received the paperwork. I have sent it in 3 times and this negative information is stopping me employment. Can someone please help me because this is becoming increasingly difficulty to contact them and to take time out of my day.
Consumer complaint received 2021-08-02
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: Bread Financial Holdings, Inc. (PA)

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting inaccurate information on COMENITYCB/FOREVER21. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

Dear CRAs Mgr ; For the last few months, I been trying to remove some negative unknown, former, previous old addresses from my credit but your organization has failed to comply with my request. 

The only name, address, social security number, and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. 

This is a big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Delete!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX, MA XXXX!!! 
XXXX XXXX XXXX XXXX XXXX, MA XXXX DELETE!!!!
Consumer complaint received 2017-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

I set up payments of {$50.00} with Navient, they stopped taking auto payments. I called to ask about it and did not authorize them to take more than {$50.00}. They charged me {$200.00}!!!
Consumer complaint received 2021-07-28
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)

there are 2 accounts on my reports that I asked to be investigated but was never done. XXXX 's XXXX I disputed XX/XX/XXXX and XX/XX/XXXX status date shows XX/XX/XXXX -- -- XXXX XXXX XXXX XXXX I disputed XX/XX/XXXX and XX/XX/XXXX once again Status date show XX/XX/XXXX these account was never investigated and I would like them deleted. I will upload proof. Delete at once
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (PA)

I entered into a consumer credit transaction with First Progress a few months ago .They are now sending deceptive forms according to 15 U.S. Code 1692 j. I have asked for the return of monies paid to them Pursuant to 15 U.S. Code 1692 h. I do not owe such alleged debt as I am a federally protected consumer. Their statements are false alleging I owe on something when i simply entered into a consumer credit transaction with First Progress using my credit card, which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant to 15 U.S. Code 1602 ( L ). So if i purchased this service on credit, I do not understand why they are alleging I owe such debt. When pursuant to 15 U.S. Code 1692 a ( 5 ) debt means any obligation or alleged obligation of a consumer to pay money arsing out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes ... Being that I am the consumer, the natural person pursuant to 15 U.S. Code 1692 a ( 3 ) which explains that the term consumer means any natural person obligated or allegedly obligated to pay any debt.I didn't obtain a " loan '' I simply entered into a consumer credit transaction with First Progress. I am not for any monetary compensation, i would simply like to keep my unlimited credit open until I the consumer decide to terminate services with First Progress. I also would like for them to stop reporting to any consumer reporting agency as I did not give any written permission for them to share my information with a 3rd party. Its an infringement upon my privacy as a consumer. I have sent 2 Affidavits of truth certified return receipt as well. I do not validate the alleged debt. First Progress ran my " credit '' received the credit and they want me to pay something back.
Consumer complaint received 2021-07-28
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: WAKEFIELD & ASSOCIATES, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX WAKEFIELD ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-07-28
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: ONLINE Information Services, Inc. (NJ)

On XX/XX/2015 ONLINE INFORMATION SERVICES added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, XXXX XXXX XXXX XXXX. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

JPMorgan Chase " owns '' my mortgage ( i.e., it is an internal Chase Loan ). This mortgage has been part of a mortgage forbearance program which, as of now, is due to end on XX/XX/XXXX. 
I have applied for mortgage assistance through JPMorgan Chase, as well as have applied to receive federal mortgage aid from the Homeowner Assistance Fund established as part of American Rescue Plan which became Federal Law in XX/XX/XXXX. 
XXXX Chase initially provided me with five ( 5 ) assistance options : 1 ) Modification 2 ) Forbearance Plan 3 ) Repayment Plan 4 ) Short Sale 5 ) Deed-in-Lieu of Foreclosure After further review, they informed me I was only eligible for the : 4 ) Short Sale & 5 ) Deed-in-Lieu of Foreclosure options. I requested in writing, but have NOT received, an explanation of why I wasn't eligible for : 1 ) Modification ; 2 ) Forbearance Plan ; 3 ) Repayment Plan I NEED to receive a full and complete explanation from JPMorgan Chase.

The Homeowner Assistance Fund in Texas will not start to be disbursed until XX/XX/XXXX ( which is after the current federal foreclosure moratorium date of XX/XX/XXXX ). I need to ensure my loan does not become endorsed for foreclosure after XX/XX/XXXX and prior to my receipt of federal funding pursuant to the American Rescue Plan. 

I believe the CFPB 's recent Final Rule, Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures ACT ( RESPA ), Regulation X, protects me from any possible foreclosure activity until XX/XX/XXXX. I have sought confirmation from JPMorgan Chase that no foreclosure activity would commence before XX/XX/XXXX and Chase has NOT responded to me. 

Finally, the CEO of XXXX XXXX Bank ( a competitor of JPMorgan Chase ), publicly stated at the United States Senate Committee on Banking, Housing and Urban Affairs Meeting on XX/XX/XXXX, that for loans they own ( i.e., like Chase " owning '' mine ), XXXX XXXX extended its foreclosure moratorium until the end of XXXX. It seems like Chase should easily be able to do the same for me.
Consumer complaint received 2021-07-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Tesla, Inc. (CA)

I signed a PPA lease Agreement with Solarcity for a solar system installed on my home that gave me the option to purchase the solar system after 5 years at fair market value determined by an independent 3rd party appraisal per the agreement. Solarcity was taken over by Tesla. I have requested a payoff from Tesla for the last few years. Despite wear and tear, the payoff price for the system theyve given me has increased dramatically from the original quote I was given years ago to now over {$70000.00} for the system. Ive inquired with them as to how theyve determined these prices and theyve been unwilling to be transparent with that process. Ive asked if they would identify the independent 3rd party that is determining the fair market value and they were unwilling to divulge that information stating that is was proprietary information. I dont believe Im the only person running into this issue with Tesla regarding their solar PPA agreements and I just want to be certain they are indeed giving me the fair market value price.
Consumer complaint received 2022-11-11
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (NC)

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with SCA COLLECTIONS XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$310.00}
Consumer complaint received 2021-07-27
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. (NY)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XXXX Amount : {$0.00} XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00} XXXX Date Opened : XX/XX/XXXX Amount : {$2200.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  : XX/XX/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 XXXXXX/XX/XXXX