davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-15
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. (AL)

I have been writing to XXXX XXXX and the credit reporting agencies for months disputing the incorrect reporting that XXXX has put on my credit reports. XXXX is reporting late payments for months after my account with them was paid in full and closed. I received letters from XXXX stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to XXXX to be sure that they received it. I have written to XXXX 's dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). XXXX absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. 

I have disputed this with XXXX, XXXX, and Equifax. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MN)

I've tried multiple times to make a purchase from an online merchant store. Every time the payment is made via the PayPal option listed on the stores website, it is rejected. PayPal put it as pending. And then they reverse it without the payment going through and I can not complete my order. I try to figure out why this is happening on the paypal website and it's not helpful. I don't know what is wrong or how to fix it as paypal will not give me this information.
Consumer complaint received 2022-05-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (TN)

I paid my Chase Auto loan off approximately XX/XX/XXXX and everything seemed fine. I was never late with payments and I paid the car faster after refinancing. 
I even told the support I would be raising this everywhere I could and still nothing happened. 

Please help me. 

I called Chase Bank and they said they would release the title. I have constantly updated my address. I moved to XXXX and I took my title to have my car registered so they have a copy. 
Well now it is XXXX of XXXX and I need to register my car for tags and taxes with XXXX. I go to get a copy of the tag and chase wont release the lean. 
I have called them, gave them my address. Called again. Every time I call its like Im starting new. 
I called and sent messages through the banks customer center and they said they would call me, its been almost XXXX weeks now. 
Right now my car is illegal to drive and chase said they would open a case on this and then said we dont have any access to anyone that can do anything. 
Chase said they would expedite my lean release paper XXXX weeks ago but they did not do it electronically. AND it took 9 days to get here, Im only placing this here because they lied so badly. 
I need help, the only thing they have to do it release my lean electronically. Thats it.
Consumer complaint received 2019-04-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (PA)

XX/XX/19 I went to court and Midland funding offered me an settlement to pay off {$840.00} the offer was {$420.00} I agreeded and paid it in cash in front of the courts and judge. It is now XX/XX/XXXX and this is still on my credit reports XXXX, XXXX, XXXX. It's not fair that it has not been clearded.
Consumer complaint received 2019-04-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I have disputed inaccurate information on my credit report. I submitted letters to each of the credit bureaus and I only heard back from XXXX. However, XXXX didnt send me my results. It has been longer than 30 days.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION (TX)

I have never received documentation of my consent to open a bank account with Regions Bank, proof of the required deposit needed to open an account, and the complaint that Bank Manager XXXX XXXX said she filed on my behalf ( without my request. ) What is the status of my requests?
Consumer complaint received 2019-04-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I have been in contact with XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX dealership in XXXX XXXX, CA to resolve an outstanding amount of {$1000.00}. I have had many many phone calls, emails, and correspondence with all three over the last few months and need this issue to be resolved. The following is the information I have collected and noted after various phone calls and group calls with all of these entities. 

XXXX XXXX has taken me to collections for {$1000.00}. XXXX XXXX claims the {$1000.00} is because XXXX noted there was a previous claim taken out on the XXXX XXXX XXXX in which the damages were not repaired. This is incorrect and a letter from XXXX is attached stating so. This needs to be fixed on Nissans end. XXXX XXXX claims that my XXXX XXXX XXXX XXXX has no GAP. This is also incorrect. Email correspondence that I had with XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX also states this is an error. I also spoke with the manager, and the salesperson who sold me the lease, XXXX XXXX. The two of them along with Finance Director, XXXX, XXXX clearly stated to me, in person, that ALL California Leases with Nissan automatically come with GAP insurance. They reassured me over and over that this is the case. They printed my contract, read it with me, and showed me in person that I should not be held liable. They said it doesnt make sense that I am being charged for anything as I held full coverage with XXXX, had paid everything to XXXX in order to close my account with them, and that all Nissan leases in California DO come with GAP. Again, this is coming from XXXX XXXX XXXX where I leased the XXXX from. I faxed XXXX XXXX and told them to follow up with them on this to resolve it and never heard back. XXXX XXXX has told me on the phone and through correspondence with XXXX that they were in fact underpaid by XXXX, and not by me, therefore, I do not owe the debt being collected by Nissan. XXXX says they paid out Nissan when Nissan requested the amount in XX/XX/XXXX when the car was totaled, and that if Nissan believes that XXXX owes them money, then Nissan is the one who needs to contact XXXX to fix this instead of taking me to collections. Nissan states a deductible was not paid, XXXX says it was paid. Nissan needs to resolve all charges with XXXX, as no claim has ever been taken out on the XXXX XXXX previous to the total loss in XX/XX/XXXX and there were no pre-existing damages to the vehicle. 

I will include personal notes I have taken over time, the email correspondence I had with XXXX XXXX XXXX Finance Director XXXX XXXX, and with the representative, I spoke with at XXXX, XXXX XXXX. The letter from XXXX showing I have no outstanding amounts due at XXXX and that the only claim ever to be taken out on the entire history of the XXXX XXXX XXXX was for the total loss of the vehicle. Previous claims for any pre-existing damages never existed.
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

On XX/XX/22, CREDIT COLLECTION SERVIC added a derogatory mark on my credit report for {$440.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

This alleged debt is not mine I never entered into a signed agreement or completed an original contract with ( The Credit Collection Services ). This inaccurate collection is not mine. I never provided any written consent or permissible purpose for this alleged creditor to report on my consumer report. 

I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. 

This is a violation of XXXX XXXX XXXX permissible purposes of consumer reports. Pursuant to XXXX XXXX CODE XXXX ( a ) ( XXXX ) - Permissible purpose, of consumer reports. ( A ) in general Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONTENT to pull my consumer report. This is a violation and also identity theft! XXXX XXXX. XXXX Block of information resulting from identity theft. XXXX XXXX XXXX XXXX a In general Any person who willfully fails 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 ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( XXXX ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court. I demand all collection activity cease immediately and for this inaccurate collection to be removed and deleted from my credit report immediately or I will file for litigation and report you to the FTC
Consumer complaint received 2021-06-09
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: Amsher Collection Services, Inc. (CA)

On XX/XX/2020, XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transfered and I no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written for of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say it is mine. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2019-04-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vital Solutions, Inc. (CA)

I have been in contact with XXXX XXXX, XXXX, and Vital Solutions Debt Collections, and XXXX XXXX XXXX dealership in XXXX XXXX, CA to resolve an outstanding amount of {$1000.00}. I have had many many phone calls, emails, and correspondence with all three over the last few months and need this issue to be resolved. The following is the information I have collected and noted after various phone calls and group calls with all of these entities. 

XXXX XXXX has taken me to collections for {$1000.00}. XXXX XXXX claims the {$1000.00} is because XXXX noted there was a previous claim taken out on the XXXX XXXX XXXX in which the damages were not repaired. This is incorrect and a letter from XXXX is attached stating so. This needs to be fixed on XXXX end. XXXX XXXX claims that my XXXX XXXX XXXX XXXX has no XXXX. This is also incorrect. Email correspondence that I had with XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX also states this is an error. I also spoke with the manager, and the salesperson who sold me the lease, XXXX XXXX. The two of them along with XXXX XXXX, XXXX, XXXX clearly stated to me, in person, that ALL California Leases with XXXX automatically come with XXXX XXXX. They reassured me over and over that this is the case. They printed my contract, read it with me, and showed me in person that I should not be held liable. They said it doesnt make sense that I am being charged for anything as I held full coverage with XXXX, had paid everything to XXXX in order to close my account with them, and that all XXXX leases in California DO come with XXXX. Again, this is coming from XXXX XXXX XXXX where I leased the XXXX from. I faxed XXXX XXXX and told them to follow up with them on this to resolve it and never heard back. XXXX XXXX has told me on the phone and through correspondence with XXXX that they were in fact underpaid by XXXX, and not by me, therefore, I do not owe the debt being collected by XXXX. XXXX says they paid out XXXX when XXXX requested the amount in XX/XX/XXXX when the car was totaled, and that if XXXX believes that XXXX owes them money, then XXXX is the one who needs to contact XXXX to fix this instead of taking me to collections. XXXX states a deductible was not paid, XXXX says it was paid. XXXX needs to resolve all charges with XXXX, as no claim has ever been taken out on the XXXX XXXX previous to the total loss in XX/XX/XXXX and there were no pre-existing damages to the vehicle. 

I will include personal notes I have taken over time, the email correspondence I had with XXXX XXXX XXXX Finance Director XXXX XXXX, and with the representative, I spoke with at XXXX, XXXX XXXX. The letter from XXXX showing I have no outstanding amounts due at XXXX and that the only claim ever to be taken out on the entire history of the XXXX XXXX XXXX was for the total loss of the vehicle. Previous claims for any pre-existing damages never existed.
Consumer complaint received 2022-05-02
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. (MI)

This is a formal complaint that you are reporting inaccurate personal information. I am confused to see how many different variations of my name, address, employers and even my birth date is being reported. This is highly embarrassing to me and I am reporting to you the correct and legal versions of my personal information I am reporting to you my correct personal information. 

This is my correct personal information : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX MI XXXX Employers : Michigan Department of Corrections Date of Birth : XX/XX/1981 The following are incorrect and need to be deleted : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX : I have never lived there. I don't know why this is listed on my credit report. I want this address removed immediately. 

If my information is not updated to what I have requested I have been in contact with a consumer financial law attorney and if all the incorrect and obsolete information is not removed from my report I will be pursuing civil litigation against Experian without hesitation.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION (CA)

We have tried to re apply, and even with a co-signer ; we even went through the Navy federal credit union, thinking it would be safer. We are being harrassed and stalked where we live by the landlord and surrounding law enforcement officers, they keep harrassing my daughter, in the past year my daughter has been arrested for XXXX XXXX and protesting peacefully. We are having many issues here in XXXX XXXX, due to the faternities that are here in this area, there are many associations and groups. Seems to be the individuals that we are struggling with have the cappability to ruin someone's life whether they deserve it or not. 
I believe that my son in law XXXX XXXX and I bought a house under the same loan # XXXX ; XXXX # XXXX assessed in XXXX after our interest into the property. I am a XXXX veteran, from XXXX XXXX era. We have been trying to move into our own house, with no stress, except we apparently have had our identity stolen along with our family LLP. Professionals during covid feel they dont have to conduct business correctly, and victimize veterans whom have very little. please help us get our propertry, or identity from being stolen. please, we have been victims of the current circumstances. 
Thank You, XXXX. XXXX
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Complaints against XXXX XXXX XXXX, and XXXX, Transunion, and XXXX. XXXX XXXX  has continued to report unfactual and inconsistent information on my credit profile. All 3 Bureaus have failed to conduct a full and thorough investigation of my complaints, even after I have provided them tangible proof that XXXX XXXX continues to furnish them with erroneous data. In XX/XX/XXXX, I collected my 3 bureXXXX report, I marked all information from XXXX XXXX that was inaccurate. I sent letters via US certified mail in XXXX, awaring XXXX XXXX of their inaccurate reporting and FDCPA violations including, but not limited to the re-aging of debt ( re-aged from XXXX XXXX XXXX to XXXX. XXXX now to XXXX. No payment or promise to pay has been made on this account in that time ; They also did not report any Date of last payment from the XXXX XXXX report, but in XXXX. XXXX they report a date of last payment of XX/XX/XXXX to XXXX only ( which is inconsistent and incomplete ) ; My XXXX XXXX report says that the account was opened XX/XX/XXXX, but in XX/XX/XXXX, they report instead with XXXX and XXXX that the account was opened XX/XX/XXXX ( Almost a 2 week difference ) .It is not possible to be 100 % accurate but provide two different dates to the Bureaus of when the account was opened ; The credit report that I pulled in XXXX has 2 year payment history that does not at all match the payment history being reported on my XX/XX/XXXX credit report ; XX/XX/XXXX report shows different High Credit balances, from XXXX $ to XXXX $ ; Account type is incorrect and different on both the credit reports I've pulled. I requested they remove the account from my credit profile. They did nothing! I sent documentation of all errors and violations via certified mail to XXXX, Transunion, and XXXX via certified mail in XXXX. They investigated and said the account is verified. Even then on my XX/XX/XXXX report account in Dispute remark was NEVER ADDED. I've even attached a screenshot of the XXXX Re-investigation report as proof that this account was formerly in dispute already. This company has failed to report accurate and consistent information on my credit profile since XXXX and has hurt my ability to obtain new credit in doing so. This is defamation of character. The credit Bureaus have failed to conduct a full and thorough investigation in light of all the errors that I have provided them with proof of and has allowed the creditor to continue to report unfactual data. I want this account removed from my credit profile immediately. I am attaching documentation, please take the time to read through, if not removed, I am prepared to move forward with my plan of action.
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

This is a follow-up to complaint number XXXX. There is no additional option available to update the case from my end, which is why I am have to create a follow-up case. 

Problem description : Mr Cooper illegally added an escrow account to Loan # XXXX. As a result, the monthly payments changed from {$3300.00} to {$4800.00}. 

Update : Persuant to the letter from Mr XXXX XXXX dated XX/XX/XXXX, there has been a few updates to the case : 1. It looks like the escrow account has been updated. It no longer shows that I need to pay an amount of {$7900.00} - however, it still shows an amount of {$400.00}. That is still incorrect - it needs to be XXXX. ( see attachment Account snapshot XX/XX/XXXX.pdf ). 

2. The XXXX payment of {$3300.00} has not yet been applied. I have been making timely payments and not being applied to the mortgage balance will cause late payments and fees and adverse credit reporting, which are not acceptable. 

3. I have still not received an explanation as to WHY the escrow account was added. Specifically, I would like to know which section of CA Civil Code 2954 ( a ) caused this - a statement saying that the escrow account has/ will be removed is not sufficient. I am not aware of any of the conditions being triggered and if none of the conditions were triggered, then it is very clearly a violation of CA laws. ( see attachment Loan_Document_Escrow_Conditions.pdf ) 4. From my messenger conversation with Mr Cooper agent XXXX ( see document Messenger Conversation.pdf ), it appears that Mr Cooper has paid one installment of property taxes on XX/XX/XXXX. There are several problems with this claim : a. I can not see anywhere on my account where this transaction shows up. 
b. The county website shows that the first installment of property taxes were paid on XX/XX/XXXX ( see attached Property Tax History.pdf ). 
c. Given that I first raised this issue on XX/XX/XXXX and had informed that the property taxes had indeed been paid ( and reflected on county records ), why was this not checked? 
d. This was clearly done without my consent and without any justification. I do not know who the taxes have been remitted to, if at all - Mr Cooper should work directly with that authority/county to recover the money. I will NOT reimburse Mr Cooper any of the amount. Instead, I will pay the second installment directly to the county as per the loan terms. 

Regards XXXX