davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to Equifax, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedure. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. I am opting out of your reporting service.
Consumer complaint received 2022-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC (IL)

I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused me.
Consumer complaint received 2016-03-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NY)

I called them and they said that my social security number does not match the account, then they told me that the account is not in there system.the person told me that I 'm no way tied to this at all since my social security number does not match.
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Uplift, Inc (SD)

On XX/XX/XXXX I received an email from XXXX saying that they are the new collections for XXXX XXXX. When I chatted with the agent to see what the bill was for they explained. I made a payment for XXXX. I was never provided a confirmation and or a tracking number for the payment. I spoke with the agent of XXXX XXXX. I was told they do not provide confirmation numbers or tracking numbers for payments until they have been processed with the bank. My payment cleared the next day and posted to my account. Today XX/XX/XXXX I spoke with her again and she stated that one was emailed to me. I checked the email and the spam and noticed no email. Then she verifys the email and states Ok I will get one requested for you. So this tells me that one was never emailed out to me. I think that if I am making a payment to an account some sort of tracking number should be given for records of proof. Not having to sit and wait and wait and wait and then one never is emailed and have to ask again. 

I would also ask that they clear the account from my credit file has a charge off and mark it as paid as agreed. 

I tried to get a copy of the chats that I had with the agency and they system does not allow to get copies
Consumer complaint received 2024-04-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

I made a payment for {$120.00} on Venmo to a person ( with whom I have no dispute ). That person subsequently refunded my money to Venmo. I have an email from Venmo, dated Tuesday XX/XX/2024, acknowledging these facts. 

Venmo, though acknowledging the above, indicates they plan to keep my money unless I " verify ''. Even if I gave them my social security number and bank account information, they could not " verify '' anything, since they did not have them before. 

Venmo has made clear they plan to steal {$120.00} from me. I want it refunded to my XXXX spend account, which they acknowledge is where it came from. I refuse to give them any additional personal information.
Consumer complaint received 2022-08-05
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. (MS)

It has been proven that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MO)

I pulled a copy of my credit report and to my surprise I noticed that the credit bureau is reporting a medical debt that keeps being sold to several collection agencies illegally. Each time it can't be verified it's sold to someone new this alleged debt they are reporting under my social security number. Being that I constantly check my credit report to ensure that the credit bureau only retain current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHTS to do so. I DID NOT AUTHORIZE the credit bureau to mis-report any mis-information now or ever. Equifax is reporting inaccurate incomplete information in regards to XXXX XXXX a medical account.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (KS)

Affirm Inc. Reported a bill on my credit report. I tried contacting Affirm, but was unable to get through to them. I do not have an Affirm account, when I checked, they sent a 'verification email ' to an email address that is not mine. The address of the bill is associated with an address I've never lived at.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PatientFi, LLC (MN)

I recently noticed that an ex friend used my name and social security to obtain a dental loan. I am listed as who the loan was approved for which is false and I DID not consent. She has apparently been making payments on her own while pretending to be me. I want this resolved and me removed from this loan as soon as possible. Im not sure how to go about fraud and who or where to report.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (CA)

To Whom it may concern? 
I have noticed Inaccurate information being reported and sold to several agencies, the inaccurate Personal Information continues being posted on Innovis XXXX solution when I did not authorize for Innovis to obtain or trunk personal information, this information has been Misled with the wrong address and telephone number I am asking from Innovis to delete any Personal information Reported Without authorization from the consumer Innovis is a third-party bender Assuming the role of a Credit Bureau XXXX as mentioned from one of his employees on XX/XX/XXXX. 2024 at XXXX XXXX Please Im asking Innovis to delete All personal data Not authorized by the consumer. I will be sharing a PDF file of my right to delete that information, along with the information that Innovus is requesting in order to Identify my personal information in order to delete what is on file and Justice to inform Innovis I do not have to provide my Social Security to your agency to identify my identity. If you can not provide the consumer the the information Requested by the consumer Delete the information as soon as possible.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Penn Credit Corporation (AZ)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Consumer complaint received 2024-04-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TN)

Dear CFPB, I need your help and I am writing to file a formal complaint against I C System Collection Agency regarding their collection practices in relation to my account with them, identified by account number XXXX. It has come to my attention that I C System Collection Agency has been violating my rights as a consumer under various provisions of federal regulations and statutes.

Specifically, I C System Collection Agency is in violation of the following regulations and statutes : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation outlines requirements for debt collectors in providing validation of debts. I C System Collection Agency has failed to provide proper validation of the debts associated with my accounts as required by this regulation. 

2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation pertains to the provision of written notice by debt collectors. I C System Collection Agency has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation. 

3. **12 CFR 1006.34 ( d ) ** : This regulation addresses the timing of validation of debts. I C System Collection Agency has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 

4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This statute concerns the rights of consumers in relation to their credit information. I C System Collection Agency 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit. 

I demand that I C System Collection Agency cease all collection activities related to my accounts and delete the reporting of the account to the credit bureaus. Furthermore, if I C System Collection Agency believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against I C System Collection Agency for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2016-11-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

My private student loan defaulted ( XXXX months no pay ). These XXXX months were not under a deferment, grace period, or forbearance. However, Sallie Mae will not report that the account went into default so it remains on my credit report. It has been over 7 years. The period of default was XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (MN)

On my credit report, XXXX, XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX, XXXX, XXXX XXXX. 

My account was charged off for {$12000.00}, but my credit report is stating the full amount {$20000.00}. I opened the account on XX/XX/2015.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NV)

I filed a mortgage application with Homeward Residential Inc. on XX/XX/2016. I have not been contacted in over two weeks, because they said the appraised value was too high. I have been waiting 79 days to close my loan. I have already paid for the appraisal. I need to close the loan to save about $ XXXX/month. 
This is not the first time I have been wronged by an affiliate of Ocwen. When they bought my existing first mortgage loan at 8 % interest, they put false information on my credit report which inhibited my ability to repair my credit after going through a Chapter XXXX bankruptcy. I had to complain to you to get it fixed so I could begin to re-establish good credit.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
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 XX/XX/XXXXXX/XX/year>
Consumer complaint received 2016-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NY)

On XXXX XXXX, 2016 my mother XXXX XXXX XXXX passed away. On XXXX XXXX I went to XXXX in XXXX and return all of their equipment. I 'm now receiving a letter from Transworld Systems inc. attempting to collect a debt of XXXX. At the time of her death all bills were paid. She does not owe this monies and letter does not indicate what the monies is owed for. If XXXX is trying to collect for early termination fee, this is an outrage because she is deceased contract was not broken.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

There are inaccuracies on report thats affection my credit. According to 1681b number 2 I never instructed the agency to furnish my report or create this report and I never consented to this report in the first place.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (MA)

I disputed the collection with XXXX years ago XXXX knowledge the fraud and removed it from my credit report and account two years or so late it has returned do XXXX XXXX and XXXX XXXX the same people i reported for this fraud and stole my sim card from my phone and stole Identity and call credit bureaus reporting false information but this collection debt was already recognized as fraudulent charges and activity on this account for XXXX now the trying to collect the same fraudulent debt again with hurt my credit score twice now thank you XXXX XXXX XXXX
Consumer complaint received 2022-10-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (WA)

We initiated a XXXX  transfer on XX/XX/XXXX, and it shows completed on the chase side, but the recieving bank has been slow to deposit. We contacted chase and they absolutely have refused to get us the XXXX or put us in touch with their transfers desk. They say that they can not do so due to covid staffing. We're trying to escalate but after an hour on the phone and various other means of contacting them, we're at wits end on how they can fail to provide the transaction report on a fairly simple transaction.
Consumer complaint received 2016-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (CA)

This Collection Agency keeps sending me and my family members bills that have already paid 2 years ago. I try calling and no live person is ever available to speak with and there website is not active.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

On my credit report for XXXX, I have XXXX inquiries that I did not do. XXXX from XXXX and XXXX from XXXX. Both are from Citibank. I wrote them letters twice, they were both sent back to me saying return to sender. I have called them on several occasions and they said they have no knowledge of these inquiries. However they will not remove them from my credit.
Consumer complaint received 2017-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

Due to a loss of income i have reached out several times to HSBC to reduce my mortgage rate. all they have been doing is extending the term which is putting me in more and more death. i can not understand why as a consumer trying to do the right thing and not fall behind on my mortgage they are not able to assist me. All i want is a permanent fixed low interest rate. I have even hired lawyers spend money, and all lawyers tell me is that its difficult with HSBC you have to fall behind for them to reduce your rate. My credit is already not good, i have credit deaths so why would i want to increase that i also have a kid that i have to show some sort of example for. Why when im trying to do the right thing and not fall behind i am unable to get the necessary to have a roof over my daughter head. I am sure im not the only consumer having this issue.
Consumer complaint received 2016-04-19
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AL)

I had a XXXX mortgage loan from GMAC that was bought over by OCWEN. OCWEN now claims that during the transition ... .I owe them one months payment because the GMAC payment was never reflected to their account. I have bank statements to prove I 've never missed a payment. They ( OCWEN ) have been constantly calling me 3 times a day ... .XXXX, XXXX, and XXXX for the last 3 months. They ( OCWEN ) have an accounting problem with GMAC and not me.
Consumer complaint received 2017-05-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

My mortgage was recently sold from  XXXX  ( whom I had no issues with ) to a company calle d Loacare. I have tried to make my payment online and they refuse to take it! I wanted to do payments onlin e as it 's easier and the woman I spoke with when my loan was transferred stated it was easy and no problems. My payment is due today  XXXX   XXXX ,  2017 . I paid it online on  XXXX   XXXX ,    2017  at approximately  XXXX . I have an email they sent stating that it would be processed but they have not processed it and I should n't have to pay late fees. I called them numerous times only to be disconnected. The reviews for this company are all horrible and I 'm very frightened they will try to take my home. I tried to see if I could refinance with another company but I do n't qualify as I do n't have enough equity in my home. Please help! Someone needs to do something bout this crooked company.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NM)

I am writing to formally dispute an account that appears on my credit report, which I believe is fraudulent and inaccurate. The details of the account in question are as follows XXXX - XXXX XXXX XXXX I recently reviewed my credit report and discovered the presence of the aforementioned account, which I firmly believe is the result of identity theft or fraudulent activity. This account is causing significant damage to my credit score and jeopardizing my financial standing.