davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-09
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: The Bureaus, Inc. (VA)

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT 2 ) THE BUREAU ( XXXX XXXX  ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have announce XXXX Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. 
Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

Prior to receiving a clear to close letter from my lender, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I had to provide proof of payment for insurance on my condominium unit. This was provided and the servicer is withholding and disbursing payments to my insurer. I am concerned that the servicer is not adequately protecting my personal information.
Consumer complaint received 2023-07-19
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. (FL)

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (TX)

i did not authorize any of these hard inquires so i would like these to be investigated asap and removed please. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-25
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX Balance : {$0.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$3200.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX*Balance : {$20000.00} XXXXBalance : {$0.00} XXXX  XXXX XXXX Balance : {$9700.00} XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6800.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$16000.00}
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (CT)

Affirm closed a dispute in favor or merchant, XXXX, after providing tracking info showing item refused back to merchant, XXXX. Regardless, they still attempt to collect on debt by sending account to XXXX XXXX, third party collections agency. Previously, down payment in amount of {$5100.00} was charged back, I was unable to obtain refund form merchant as they were not answering calls at the time. One of their reps whom I do not have the name of, stated he would refund, however, was unable to reach back to follow up as additional calls were not answered.. Most recently, complaints were filed against XXXX, their rep, XXXX, emailed me claiming they attempted to refund and were unable to .... XXXX claims an error message received when trying to refund back to XXXX, third party selling the item.. The timeline of events regarding the order is attached to this complaint from XXXX. It appears Affirm is attempting to collect on debt despite error message from XXXX which will not allow XXXX to refund.
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX 15 U.S.C 1

681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681e section b : States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-03-24
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. (SC)

XXXX XXXX information was not being processed correctly, i was advised last payment would post accordingly without causing a late fee. But that was not the case once the pymt was posted. causing my prefect pymt history to suffer a late fee. ALL ACCOUNT INFORMATION NOT BEING REPORTED CORRECTLY WITH ALL CREDIT AGENCIES. THE ACCT WAS AREEGED UPON TO BE DELETED UPON PIF.
Consumer complaint received 2022-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC (FL)

On XX/XX/2022 at XXXX hrs, I recieved mail from XXXX XXXX XXXX stating that I owe {$480.00}. I am not familiar with the debt & immediately called, I spoke with XXXX & he identified my social security number and stated they were a collection agency, for Oliphant Financial Services. I advised him that my Identity was stolen and I had a Fraud Alert on my credit file as well. He advised that a Fraud packet will be sent to my mailing address, to sign it & mail it back. He insisted on me providing additional information, but I would not. He disconnected the call. I am unable to see XXXX and XXXX and both scores decreased tremendously. I did report my Identity being stolen to FTC and my local Sheriffs Office report. I also contacted creditors as well. 
I made contact with XXXX at XXXX with Oliphant Financial Services, but she insisted on me establishing an account with their online portal in order for them to assist me. I denied their services and did not establish a profile, account, nor debt with them and did not want to establish any profile. I repeatedly this information. She insisted I did not understand what they serviced and that she was not getting through to me I quote ; then she kept advertising their services and to just sign on. I refused. She did not verify an account, but she did ask me what was the amount.
Consumer complaint received 2022-12-19
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 had written a dispute to the bureaus regarding their erroneous reporting on my credit file but until now have received no response and those erroneous report are still on my credit report. These accounts are still inaccurate, incorrect and misleading ; can not be verified nor validated : XXXX, Equifax and XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-20
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. (NV)

On XX/XX/2022 I submitted a complaint through the CFPB, In accordance with the fair credit reporting act accounts XXXX XXXX & XXXX XXXX XXXX has violated my federally protected rights to privacy and confidentiality under 15 U.S.C 1681 Equifax stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX was property investigated but how is that possible if the Account type is inaccurate, the account status is inaccurate, open date is inaccurate, the high credit limit is inaccurate, the date last active is inaccurate, and date last reported is inaccurate the payment history is also inaccurate. This ground for removal. 

They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2020-10-09
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: AMERICAN EXPRESS COMPANY (VA)

American Express debited my bank account for payment twice for the same amount. XXXX for {$19000.00} and XXXX for the same amount. After XXXX, statement had XXXX balance. I called American Express on XXXX at XXXX and spoke with XXXX. She admitted their was a glitch. She first said I had to have a paper check that would take 10 days to arrive. I said no, wire me the funds back. I gave my bank account info to her. I also opened a dispute with my bank, XXXX. I called American Express today XXXX at XXXX, put on with XXXX in the call center. No wire transfer started, stated it would take 3-5 business days. I have no money in my bank account. I have NSF fees adding up from my bank and I cant buy groceries.
Consumer complaint received 2017-01-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (CA)

XX/XX/2016, a {$690.00} collection account from Midwest Recovery was added to my credit report. I disputed it with both XXXX and XXXX and since the company did not verify within 30 days that it was a true debt, it was removed. 

Now XX/XX/XXXX I have received calls on my cellular, at work, my friends and family have been contacted by a company called XXXX XXXX - XXXX XXXX - they are trying to serve me papers for a pending lawsuit. This is completely embarrassing and they are harrassing me and family members for something i do not owe. 
the number they call and text from is XXXX and stating i should call XXXX to pay a debt i do not owe.
Consumer complaint received 2017-01-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth financial is trying to collect a debt that is under another persons name and assign it to me. They refuse to remove from credit bureau. The person has a similar name. 

They refused to verify by some means or send a copy of the bill for my review. They can not do this is is illegal. They have to confirm debt is mine.
Consumer complaint received 2022-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

My Citibank credit card was used fraudulently between XXXX for XXXX XXXX transactions totaling {$790.00}. Citi was contacted multi times via phone, email, chat, their website and US Postal service to have the above amount removed from my current balance. They have done nothing to investigate or remove these fraudulent charges from my current balance. A police report was also filed regarding the fraudulent use of my card. I have emails from Citi stating I am not responsible for fraudulent transactions. However, this experience says otherwise and believe they are out of compliance with CFPB and certainly misleading consumers based on their email communications. Evidence attached ( pg XXXX ).
Consumer complaint received 2020-10-09
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: Resurgent Capital Services L.P. (VA)

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) LVNV FUNDING ( XXXX XXXX ) SEE ATTACHMENT 2 ) XXXX XXXX ( XXXX XXXX ) SEE ATTACHMENT 3 ) XXXX XXXX XXXX XXXX XXXX XXXX SEE ATTACHMENT This month the FTC, and Federal Law Enforcement Partners have  announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ). 
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents  bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I applied for a Citigold Checking Account XX/XX/XXXX with a promotion to receive XXXX AAdvantage Airlines Miles upon completion of the requirements ( {$1000.00} debit card spend, 2 monthly bill pays in sequential months ). I talked to Citi through Citi 's online messaging tool and the representative confirmed that I had met the requirements and that I would receive the points, and to call back if I had not received the points by XX/XX/XXXX. Since then I have called back for three consecutive weeks in XX/XX/XXXX and was told they are looking into it and there is nothing they can do in the mean time. They are delaying my requests which is costing me additional monthly fees ( I have now been charged {$60.00} worth of fees ) for the account. I am requesting that the XXXX miles be posted to my Aadvatage account and the {$60.00} in monthly fees be credited to my account.