davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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: EQUIFAX, INC. (MO)

XXXX XXXX is resubmitting this CFPB complaint in an effort to refute the false information you claim is on my credit record. I was a victim of identity theft once more, and I never made the payments to these companies. I'm asking you to delete the information in my credit file that you are currently reporting in accordance with the Fair Credit Reporting Act. I think I never actually agreed to any contracts with these businesses. Your deliberate disregard for Federal law constitutes a clear violation of consumer rights. Please get rid of the account that is listed on my credit report, as I beg you. You must delete any accounts and information that were created as a result of identity theft in accordance with Fair Credit Reporting Act section 605b ; kindly do so. The following things must be taken away as soon as possible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2021-04-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

GREETINGS CFPB, MY COMPLAINT IS AT H.U.D. ALREADY SIX MONTHS, IT IS PREVENTING ME FROM REFINANCING, TO PAY OFF MY BUSINESS, UNDER ESCROW AT XXXX TITLE CO, XXXX CA. DUE ON XXXXPROPERTY TAX LIENS PLACED ON ME FROM XXXX XXXX GOVERNMENT XXXX XXXX. I PAID THE LIEN AND THEY GAVE ME $ XXXX WAIVER UNDER THE FEDERAL HOMESTEADERS ACT. BUT THEY DOUBLED MY TAX. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX JURY ON XXXX AND THEY HID MY CASE FROM ME .I FILED TO SHUT DOWN THE GOVERNMENT CENTER AND REMOVE THEIR BUDGETS. THE XXXX SUPERIOR COURT HELPS ONLY THEIR XXXX MEMBERS AND ENFORCE THIER OWN CA CONSTITUTION. THEY WERE RUNNING THEIR XXXX GOVERNMENT HERE, XXXX IS THE EPICENTER FOR XXXX EXPANSIONISM. SOME OF MY FAMILY MEMBERS AND FREINDS ARE ALSO XXXX. THEY GAVE THEIR MEMBERS XXXX50 % OF RESIDENTS, ALL COMMUNISTS XXXX INMATES FROM THE HANFORD CA E.D.D OFFICE, THEY ARE NOW SHUT DOWN. I NEED HELP CLEARING MY HOME FROM TAX LIENS, I AM XXXX GANG SUPPRESSION FOR XXXX DISTRICT ONLY. THE COMMUNISTS PLACED THESE LIENS ON ME TO RUN ME OFF ONLY D.A.C.A. RECIPIENTS ARE INVOLVED IN TERRORISM RUN BY THE KNIGHTS OF XXXX XXXX IDENTIFIED BY A RANK STAR RATING.MY CASE WITH NATIONAL HUMAN TRAFFICKING ORG.CLEARED THEM OUT # XXXX SUBMITED A COURT XXXX FORM IN XXXX XXXX XXXX UNDER MY NAME.
Consumer complaint received 2020-10-30
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. (NJ)

I sent letters out certified over 90 days ago and still have not been notified of any information positive or negative. I understand things may be slower now because of the times we are in but as a consumer at this point i feel like they shouldn't have the right to take advantage of ordinary people. Enough is enough, something must be done.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LTD Financial Services, L.P. (VA)

On XXXX XXXX, 2020, LTD ACQUISITIONS LLC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LTD ACQUISITIONS LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IL)

In XXXX of 2020 I refinanced my home with chase bank with a escrow. In XX/XX/2020 I got a bill from XXXX County Property Tax department saying I did not pay my 2nd tax bill for 2020. I called the bank and asked them why they did not pay my property tax. They looked at my account and said the money was there and they dont know why it wasnt paid and theyd look into but the deadline for the bill was in 5 days and they said it will be weeks before they look into the reason and pay it. They said we can pay it and they will reimburse me. Now Im having trouble getting them to reimburse me in full
Consumer complaint received 2020-10-30
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: Experian Information Solutions Inc. (FL)

I filed a complaint yesterday - XXXX The company responded that they believed I was working with a credit repair company, as the normal consumer would not be smart enough to realize that they violated the law. It is irreverent whether Im disputing a file or Ive hired someone to do that for me. The law is the law. I submitted a dispute to this bureau and they had 30 days to investigate it. They had an additional 5 days to advise me of their findings. None of that was done, therefore they must delete the accounts that was issued in the dispute. 

I guess Im not the normal stupid consumer. Im aware of the law and I insist in receiving the answers Im entitled to. Im considering taking further action to get this resolved..
Consumer complaint received 2021-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (CA)

Received a letter in the mail on XX/XX/2021 from XXXX XXXX XXXX XXXX claiming that Paypal has sent my account to collection in the amount {$9100.00}. I have once opened a Paypal credit account in my life, and my one and only Paypal account is in good standing. I have no idea how this outrageous amount of money was tied to my name. Seems like a feeble attempt to extort money out of hard working people. I do not have any collections shown on any of my credit reports, nor do I have any debts shown to Paypal on any of my credit reports.
Consumer complaint received 2020-07-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (NJ)

I 've never tried to apply for any credit cards in my life. I moved out of the state and did n't change my address I received letters from the government and it had my social security number my name on it & someone been ruining my credit they fraud a lot on my social please I need help I 'm only XXXX yrs old with a no good credit that I 've never took any action on.
Consumer complaint received 2022-03-01
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting Act ( FCRA ), the following ( 4 ) Creditors have violated the rights afforded to me by the FCRA.

NOTE : The " Account details '' for the 4-Creditors listed below are noted in the following " Fiar Resolution '' section of the complaint.

The following Creditors have violated the rights afforded to me by the FCRA : XXXX. XXXX XXXX XXXX  - Account Number : XXXX. 
XXXX. XXXX XXXX - Account Number : XXXX. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) - Account Number : XXXX. 
XXXX. XXXX XXXX XXXX ( Original creditor : XXXX ) - Account Number : XXXX. 

***The ( US Consumer Laws ) in accordance with the Fair Credit Reporting Act ( FCRA ) : 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 ). States that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B. States that acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-12-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Around XXXX, I sold a pair of XXXX headphones via XXXX. I sold it to a man for about {$190.00}. He paid me via paypal and asked me to send it asap as it was his brothers birthday present. I understood of course, so I sent it as soon as i could. Of course, I didnt know that it was a pending payment, not yet fully received in my account because as soon as it was shipped, the buyer canceled his payment. I tried calling XXXX and they said there was nothing they could do ; i was scammed. I tried calling paypal, but i was put on hold for 30+ minutes multiple times. I tried the call me back function several times and I was never given a call back. I tried filing a dispute on the Paypal website but it said lets try that again. Looks like something went wrong on out end. I tried multiple times on all browsers ( XXXX, XXXX, and XXXX ). I finally tried emailing their customer service but they just sent me a generic message saying that it was the " transaction was not eligible for PayPal Seller Protection '' and recommended I just file a complaint to the XXXX, which I have already done, and have yet to hear from either. Overall, it has been impossible to contact Paypal, and they have done absolutely nothing to even try to remedy the situation.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-10-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (MN)

ok well i have a pre paid paypal account and today just a few minutes ago i got a email saying my new master card pre payed paypal has been activated and i havent activated a any new card plus the paypal card i have is over balance and idk how. so someone keeps activating a card in my name using my email and i cant get through to no one in paypal to help me close the account or deal with the fraud.
Consumer complaint received 2020-12-09
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Northland Healthcare Alliance (OH)

I have XXXX and have a representative payee service. The payee service is conducted through a public sector mental health agency called Recovery Resources. We are in XXXX, Ohio. The representative payee service is called XXXX. The objective of the company is to allocate weekly pay from monthly XXXX payments from Social Security. 

I normally get around {$76.00} per week. Today, I only received {$14.00} and last month I received {$73.00}. I also suspect that every week there has been a different pay amount. This was vastly different enough to notice clearly, this morning as about {$58.00} is missing from the payment. 

So, I would like someone to check if the payments have been unfair as I know that social security payments fluctuate somewhat, based on month-to-month. Secondly, what can be done about the missing money for this week? 

To include dates, the {$14.00} too-low amount was deposited today on XX/XX/20. Last week, {$73.00} was deposited on XX/XX/20. Other dates I do not seem to have record of. 

XXXX is the employee at Recovery Resources who establishes the money through XXXX XXXX XXXX.
Consumer complaint received 2020-10-30
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)

The following accounts and late payments are currently being reported. I have request them to be removed on multiple occasions via mail. 
Must recent being XXXX, XXXX, XXXX and XXXX of 2020. 
XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporing act XXXX Account XXXX, has violated my rights. 
15 US.C 1681 segion 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 furish a account without my written instructions.
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

After pulling my credit report, I was made aware of an unauthorized debt appearing on my credit report via Comenity Bank/Victoria Secret in XXXX. Because I did not authorize the debt I contacted Victoria Secret and filed an identity theft affidavit with the Federal Trade Commission.

Comentiy Bank asserted the account was closed because of questionable activity after an identity document was provided by a fraudster which did not match the documentation on file. However, Comenity Bank/Victoria Secret is complicit in the fraud as they refused to remove the account from my credit report. 

In XXXX, I made the identity theft affidavit available to Comenity Bank/Victoria Secret. I also requested removal of the fraudulent account from my credit report. Instead of protecting my information and removing the fraudulent account Comenity Bank/Victoria Secret further compromised my personal identifying information and participated in DECEPTIVE TRADE PRACTICES by selling an account it knew was initiated via fraudulent means to a collection agency, more specifically XXXX XXXX XXXX. As a result, XXXX XXXX XXXX placed the account on my credit report in XXXX. At this point both agencies were violating Fair Credit Reporting Act by simultaneously and erroneously reporting the fraudulent account on my credit report Consequently, after I contacted XXXX XXXX providing them with my FTC identity theft affidavit. As a result, XXXX XXXX removed the fraudulent account from my credit report in XX/XX/XXXX. 

Unfortunately, Comenity Bank has refused to remove the fraudulent account from my credit report. Instead of Comenity Bank contacting the purchaser of the fraudulent debt to verify removal of the fraudulent debt, XXXX, a manager in Comenity Banks Charge Off Department, requested I obtain a letter from XXXX XXXX XXXX verifying removal of the account from my credit report. I obtained the letter and provided it to XXXX with COMENITY BANK/VICTORIA SECRET. 

Subsequently, after receiving proof the account was fraudulent via unmatched identification provided by fraudster prior to the selling of the fraudulent debt, FTC identity theft affidavit and letter from XXXX verifying the account is closed and removed, XXXX as a representative of COMENITY BANK/VICTORIA SECRET has refused to remove the fraudulent account from my credit report
Consumer complaint received 2020-10-30
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)

I settled my XXXX XXXX credit card collection in full. I sent the settlement document to the credit bureau and they did not remove the balance on the item. Their statement was that the investigation did not change the item. 

I have attached a copy of XXXX XXXX 's document that clearly says the balance would be reduced to zero. Why is XXXX  making up their own rules to updating items in disputes? 

This is costing me hundreds of dollars in interest charges because of an artificially lowered score. It is negligent non-compliance at worst.
Consumer complaint received 2020-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NJ)

The company is Comenity Bank for XXXX XXXX. I with my mother, the owner of the account reached out to make amends for a missed payment while she was hospitalized. We expressed our wish to pay the account in full and close the account. The rep gave me a reduction in late fee of {$15.00} and gave a balance due of {$50.00}. He then closed out the account. I mailed the check and it was cashed on XX/XX/XXXX. My mother remained in a rehab facility out of her home state until XX/XX/XXXX at which time she moved into NJ. Twice an address forwarding form was completed. both by mail and online, and the postmaster general was contacted, however she received no forwarded mail. Forward to XXXX XXXX and she has received multiple phone calls that she owes {$340.00} to Comenity Bank in late fees and finance charges. No paper statements or verification of debt was sent. No appraisal of right to dispute was received. She was intimidated on the phone with being sent to collections if she didn't pay over the phone. Several attempts were made by my sister and myself to dispute the validity of charges and refund her money. I explained twice that the fees were excessive and violated the CARD act of XXXX because the late fee exceeded the minimum payment, twice I was told that's not true and doesn't exist. Furthermore no statements are available to review online past XXXX. There are just transactions for a minimum finance charge of {$2.00} and late fees of {$35.00} and up. We in good faith tried to rectify this in XXXX for a jacket that originally cost {$36.00}. We will agree to pay the last late fee that was charged in the XXXX statement and wish to get a refund of {$89.00} that she was intimidated into paying over the phone. Senior citizens shouldn't be subjected to these bullying tactics over the phone, nor should any citizen be prey to deceptive and abusive charges at the mercy of these banks.
Consumer complaint received 2017-12-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I have been requesting verification of the following account that Equifax continues to report on my credit file : Wage Earner Plan/Bankruptcy # xxxxxx. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, XXXX. 
On Thursday, XXXX XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and she informed me that a security freeze was placed on my account as of XXXX XXXX, XXXX, along with information suppression dated XXXX XXXX, XXXX. I have attached a copy of my security freeze and suppression confirmation that I received directly from XXXX XXXX showing the date of confirmation. 
On Friday, XXXX XXXX, XXXX, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX XXXX and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and he also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, XXXX. He also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XXXX XXXX, XXXX. 
I also contacted the U.S. Bankruptcy Court requesting their process of reporting bankruptcy information to the credit bureaus to which I was informed that they DO NOT report to ANY credit agency. I have included the letter from the bankruptcy court as well. 
I demand that this public record Wage Earner Plan/Bankruptcy # xxxxx is removed due to lack of verification and inaccurate reporting of verification date. The entire process of reporting a public record from the original source is a flat lie based on information given from the United States Bankruptcy Court. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying the account is verified. I demand that this unverified account : Wage Earner Plan # xxxxxxx is PERMANENTLY DELETED FROM MY CREDIT FILE. 

I demand and request this public record : Wage Earner Plan/Bankruptcy # xxxxxxx is removed/DELETED PERMANENTLY due to lack of verification, INACCURATE REPORTING OF VERIFICATION DATE and invalid process of reporting a public record. Please help!
Consumer complaint received 2020-08-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (TX)

I opened a dispute with Honda Finance in which I have had an account with for over 5 years, no late or missed payments. They reported a recent missed payment but still took the payment received. They resolved that issue and have placed my account as current. Now that this is resolved I just received a message from XXXX that I have a new Honda Finance account opened with delinquency. This is innacurate and harmful information. Now that I am closer to paying the loan off, Honda Finance has been harrassing me.