davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (SC)

This company continues to harass me via phone, personal cell and work phone. 
In XXXX I called in to make a payment arrangement with one of the associate for XX/XX/XXXX to make XXXX payment, I explained i will be late and why and was told okay to the arrangement. I then two days later start to receive back to back calls and voicemails to call the office. I then get calls on my work line starting XXXX. I involved the associate to not to call my call and that they could continue to call my cell and I will improve my communication being that i also work the same hours as their business. I asked to speak to the manager during the same and also asked her to notate to never call my employment, she also confirmed that she will. In XXXX I am now still receiving calls at my employment. I am harassed on my personal number with rude and unprofessional comments from the associates in the office. It takes a strain on my mentally and at my employment with the personal calls.
Consumer complaint received 2022-01-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (LA)

On the morning of XX/XX/2022, I received a phone call from XXXX XXXX XXXX ( XXXX ) stating that I had an outstanding debt of {$500.00} from a payday loan with Speedy Cash that would soon be sent to collections and repaid through wage garnishment. I did " settle '' this debt and paid {$200.00} through XXXX XXXX XXXX. However, after receiving the email stating I paid my account in full, I believe this was a scam. The email address they emailed me from was not a business email, but rather a XXXX email address ( XXXX ). Additionally, I have not been able to find any evidence of a XXXX XXXX XXXX at the address provided. I have attached the document emailed to me.
Consumer complaint received 2023-03-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (TX)

Please see previous complaint number cited below XXXX I am providing new contact information for the company. 

The company name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Principal Address XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

After previously being sent to collections, I paid an overdue credit debt back directly to the credit card company on XX/XX/XXXX. On XX/XX/XXXX, I started getting phone calls and emails from Portfolio Recovery Associates, LLC, stating that I owed them the amount I had previously repaid directly to the card servicer five years prior.
Consumer complaint received 2021-11-05
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. (PA)

On XX/XX/XXXX, I filed a police report stating that i was the victim of identity theft. I then forwarded a copy of the identity theft police report too the credit reporting agencies XXXX XXXX, XXXX, and Experian and requested that they deleted the fraudulent accounts and I requested a updated copy of my credit report XXXX and Experian failed to respond to my request. Then re-sent them the letter with copies of the identity theft reports in XXXX and XX/XX/XXXX and again they never responded. I received a response from XXXX XXXX and they refused to delete the information stating that XXXX Americans are always breaking the law and that XXXX people cant be believe and they refused to remove the contested information. I am now requesting that your agency conduct a investigation and order all three credit bureaus to remove the contested information. Thank you for your time. Additionally at the time that the accounts were opened I was XXXX in New York XXXX XXXX.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I sent a debt validation letter certified mail pursuant to 15 usc 1692g they received XX/XX/XXXX  to experian in regards to inaccurate accounts with XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX i have no business with these companies. This company continues to violate my rights per 15 usc 1681s-2 by continuously smearing my reputation and reporting information that i have informed them was incorrect and inaccurate and false. This company this company continuously violates 15 usc 1692f reporting this false inaccurate information to my credit report ( postcard ). Experian is conspiring with these companies to defraud me .If this cant be rectified in a timely fashion I will left will no choice but to send an AFFIDAVIT OF TRUTH along with all my exhibits to head to court.
Consumer complaint received 2022-11-16
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. (FL)

There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.
Consumer complaint received 2022-04-29
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.
Consumer complaint received 2021-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (TX)

Goodleap has failed to provide periodic billing statements in which an electronic fund transfer have occurred. I receive automated billing notices around the XXXX of each month that payment is due on the XXXX of the following month ; however, Goodleap continues to ignore its requirements in 12 CFR 1005.9 ( b ).
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Dominion Law Associates, P.L.L.C. (VA)

In trying to sell my residence, it was discovered that a judgment from XXXX XXXX ( no longer in business ) was on my house. The attorney who filed this was XXXX XXXX, who I found out today was deceased. I have had an attorney looking into this, and she also is not getting anywhere.This judgment was on XX/XX/03 in the XXXX County VA XXXX XXXX XXXX XXXX. I have contacted Dominion Law ( XXXX ) XXXX ) after speaking to someone in the XXXX XXXX office ( XXXX ) XXXX ) for them to only tell me, they have spoken with my attorney and myself about this matter, and they do not longer have access to this case. I am now stuck in the middle of an industrial park with no way to sell my home.
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: M&T BANK CORPORATION (VA)

Hello, I applied for the M & T credit card on XX/XX/2018 via an offer sent to my email. It was a promotion that I am eligible for the credit card. It should also be noted that I have a bank account with M & T Bank. After a few days, I get a call from M & T bank and I confirm my citizenship status. I ask the person on the phone that whether there is anything you need. They say no. I don't hear back and I call M & T to get to know what is happening and they say my card is rejected as I am not a US citizen. I have a few cards with banks and I have never got rejected based on that. Let 's say the bank doesn't offer cards to non-us citizen, why did you send me an offer? isn't my information in your system. My credit score and time has been affected because of this. I have a letter from the bank and the only basis they reject my application is based on my residency. A preoffer condition depends on credit risk not factors that can't change. I am very sorry to say but this is a fraud on M & T Banks part.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I really need your help. There's been countless inquiries that were applied to my credit report. I dont know where they came from because I didn't give anybody authorization to do so. My credit report took a hit all because these companies are being deceitful. This isn't right. Somebody must have been applying for things in my name. I sent in lettres to the credit bureaus on XX/XX/21 and I still haven't heard back from them. I've included the letter as an attachment. Section 605B of the FCRA states that these items must be blocked from my credit report while under investigation. I've filed a FTC report for a second because of this, and I really don't want to have to escalate it even more. Please delete these inquiries from my report immediately, or I will have to file for litigation. 

I've included my ID, SS Card, and proof of address to this submission.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022 I sent in a letter to XXXX, Experian, and XXXX. To have my information verified it has been 30 days with no comply they are not obeying the law.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (CA)

I finally had the chance to thoroughly check my credit report, I am trying to improve my credit score so that I can buy a house in the future. However, I know I have horrible credit and I have not applied for anything because I know it would be pointless and will get denied right away. 

Looking at my credit report I have decided to contact everyone on my credit report such as collectors, so that I can be in good standing but I noticed that some hard inquiries have been made in my name by an unknown source. How they obtained my information baffles me. 

I don't know how I can get such items removed from my credit report as soon as possible. I am attaching a document that states the inquiries that I did not make.
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

I finally had the chance to thoroughly check my credit report, I am trying to improve my credit score so that I can buy a house in the future. However, I know I have horrible credit and I have not applied for anything because I know it would be pointless and will get denied right away. 

Looking at my credit report I have decided to contact everyone on my credit report such as collectors, so that I can be in good standing but I noticed that some hard inquiries have been made in my name by an unknown source. How they obtained my information baffles me. 

I don't know how I can get such items removed from my credit report as soon as possible. I am attaching a document that states the inquiries that I did not make.
Consumer complaint received 2023-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

On XX/XX/XXXX I took out a mortgage with XXXX XXXX XXXX. I began payments XX/XX/XXXX of {$1400.00} with a fixed rate of 3.5 % for the term of the loan. The principal was {$1000.00} with {$460.00} going into eccrow. After closing outta pocket cost that included taxes and insurance my escrow balance was {$1.00}, XXXX starting in XXXX of XXXX, with {$4400.00} being added into that escrow account for the remaining four month left in the year. From XX/XX/XXXX till XX/XX/XXXX with {$460.00} being paid into escrow those months totaled {$3200.00}. The combined four months in XXXX and the seven month in XXXX equal the sum of {$5100.00} just in escrow for that loan account, that I paid monthly, this does not include the remains balance leftover from closing cost after taxes and insurance were paid. In XXXX of XXXX I received a notice from PennyMac saying they were raising my mortgage payments from {$1400.00} to XXXX. I Filed a dispute because I never signed or agreed to any type of Loan from PennyMac or XXXX  XXXX XXXX so I sent out and Affidavit to PennyMac requesting proof of contract in XXXX of XXXX with tracking number XXXX. PennyMac did not provide any proof of contract all they responded with was that my mortgage went up due to increase in my homeowners insurance. Which could not be true because I paid for my home owners insurance outta pocket in full for the year directly to the insurance company on XX/XX/XXXX. PennyMac and XXXX  XXXX XXXX has failed to show where this escrow money went and explain why they sent my escrow insurance money back to cause my increase in my mortgage. I was never late or missed any payments until PennyMac XXXX  XXXX XXXX conducted this fraudulent action. Which appears to be a form of loan flipping. they are attempting to get me to refinance my loan so I can go further into debt and they cause a foreclosure. By them raising my mortgage under the disguise of a insurance increase. Because I had the insurance paid in full and in escrow and they returned it and then repaid the insurance on a Loan that are debt collectors on. I did not take out a Loan from PennyMac or XXXX  XXXX XXXX.
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC (TN)

On XX/XX/2024, I requested to remove my PMI since my XXXX ( based on original purchase price ) XXXX %. The company sent me a letter stating : " The investor for this loan requires confirmation that the value of your home has not declined below the original value of the property. This means we will need to obtain a valuation of your property before we can approve cancellation of PMI. The cost of the property valuation is {$190.00}. Please send a check or money order for this amount payable to us with a copy of this letter to the address below. '' According to federal law since my XXXX is below 78 %, PMI should automatically be cancelled regardless of what my current home value is and I should not have to pay for a home evaluation.
Consumer complaint received 2021-11-05
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. (PA)

On XX/XX/XXXX, I filed a police report stating that i was the victim of identity theft. I then forwarded a copy of the identity theft police report too the credit reporting agencies Trans Union, XXXX, and XXXX and requested that they deleted the fraudulent accounts and I requested a updated copy of my credit report XXXX and XXXX failed to respond to my request. Then re-sent them the letter with copies of the identity theft reports in XXXX and XX/XX/XXXX and again they never responded. I received a response from Trans Union and they refused to delete the information stating that XXXX Americans are always breaking the law and that XXXX people cant be believe and they refused to remove the contested information. I am now requesting that your agency conduct a investigation and order all three credit bureaus to remove the contested information. Thank you for your time. Additionally at the time that the accounts were opened I was XXXX in New York XXXX XXXX.
Consumer complaint received 2018-02-02
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (AZ)

I bought a gift card from XXXX for XXXX $ and it had XXXX balance when I went to use it. It was very embarrassing. Usually you should be able to just cancel and get a refund but I have sent multiple emails and the phone number no one answers to. My email registered to the account is XXXX. I know its very little but I think they should be held accountable for their mishap. A response would have been suffice but its just bad customer care to ignore all my emails. Thank you for your time.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bay Area Receivables, Inc (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BAY AREA REC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX - Balance : {$250.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$860.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$120.00} BAY AREA REC ( Original Creditor : XXXX SERVICES XXXX ) XXXX - Balance : {$300.00} XXXX AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$100.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} BAY AREA REC ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX - Balance : {$120.00} BAY AREA REC ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Balance : {$120.00}
Consumer complaint received 2021-11-03
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. (MI)

XXXX  XXXX is a bank that is reporting on my consumer report with derogatory marks. I am a natural person. I am a consumer. I have proof that I sent XXXX  XXXX a request for debt validation pursuant to 15 USC 1692g. I sent this out on XX/XX/XXXX. It has been over 65 XXXX XXXX never responded or validated the debt. This means this debt is not valid. 

TRANSUNION is reporting this derogatory invalidated account on my consumer report. Pursuant to 15 USC 1681 Credit Bureaus must report with accuracy and fairness. Reporting a debt that was not validated is a violation of my consumer rights. They are reporting inaccurate information.

This is also a violation of my privacy pursuant to 15 USC 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Also, I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-05-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (DE)

I have a charged off account originally with XXXX XXXX  now TD Bank. I ha XXXX been trying to pay off the account. When I filed bankruptcy over a year ago TD Bank did now respond to the attorney request for account information. I am now trying to sell my house and can not settle without the payoff information. XXXX for XXXX XXXX XXXX have requested the payoff information three times and I have requested it all with no information for the account or payoff amount. Now I can not go to settlement on the house on XX/XX/2021 due to the lack of response from TD Bank. On XX/XX/2021 I call chairman collection department XXXX and could only leave a message with details of name, account number, and the situation that is happening. 
I have been communicating with TD Bank at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX.