davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
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. (TX)

The Consumer sent a notice and demand to validate debt claim/ cease and desist on XX/XX/XXXX, XXXX, the consumer recieved no response from DEPARTMENT OF EDUCATION regarding the disputed facts. pursuent to 15 U.S. Code 1692g - Validation of debts ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( MEANING : THEY MUST VERIFY THE ORIGINAL CREDITOR WHICH IS THE CONSUMER! ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( MEANING : If they cant verify the original creditor within 30 days given the consumer has won ) THE DEPARTMENT OF EDUCTAION are also in violation of 15 U.S. Code 1692b - Acquisition of location information ( 5 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) ( c ), 15 U.S. Code 1692e.False or misleading representations ( 2 ) ( a ) ( 10 ) ( 12 ) ( 16 ), 15 U.S. Code 1692f.Unfair practices ( 1 ), 15 U.S. Code 1692g - Validation of debts ( a ) ( 5 ) ( b ), 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692k - Civil liability ( a ) ( A ), 15 U.S. Code 1611 - Criminal liability for willful and knowing violation, 15 U.S. Code 1640 - Civil liability
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I had been receiving threatening phone calls from Midland Credit for months, until finally I answered another phone call from them and the man on the line told me that if I did not set up payment arrangements for this debt, or pay it off, that they would start the process to take me to court to sue me for the debt that was owed. Not understanding the laws, I was extremely afraid, began crying on the phone because I was so scared that I set up payment arrangements even though my account was in the negative. He told me I would need to pay at least {$50.00} that day to get the payment arrangement started so I agreed to make the payment and then I told him I could not afford {$50.00} per month, so he said the lowest he could do was XXXX. He also said this would be reported to the credit bureaus. This was harrassment, threatening, and false information provided in regards to the payment amounts, ect.
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The Consumer sent a notice and demand to validate debt claim/ cease and desist on XX/XX/XXXX, XXXX, the consumer recieved no response from DEPARTMENT OF EDUCATION regarding the disputed facts. pursuent to 15 U.S. Code 1692g - Validation of debts ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( MEANING : THEY MUST VERIFY THE ORIGINAL CREDITOR WHICH IS THE CONSUMER! ) ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( MEANING : If they cant verify the original creditor within 30 days given the consumer has won ) THE DEPARTMENT OF EDUCTAION are also in violation of 15 U.S. Code 1692b - Acquisition of location information ( 5 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) ( c ), 15 U.S. Code 1692e.False or misleading representations ( 2 ) ( a ) ( 10 ) ( 12 ) ( 16 ), 15 U.S. Code 1692f.Unfair practices ( 1 ), 15 U.S. Code 1692g - Validation of debts ( a ) ( 5 ) ( b ), 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 U.S. Code 1692k - Civil liability ( a ) ( A ), 15 U.S. Code 1611 - Criminal liability for willful and knowing violation, 15 U.S. Code 1640 - Civil liability
Consumer complaint received 2021-10-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TRUIST FINANCIAL CORPORATION (NC)

I refinanced my truck through state employees a few months ago. I was originally financed through Regional Acceptance Corporation ( I believe its a sun trust or truist bank now, was originally a BB and T ). I received phone calls from regional Acceptance about me paying bills after I refinanced my truck. I told them that I was no longer financed with them. My old roommate called me a few weeks ago and told me that a repo company was trying to take my truck and I immediately tried to call or get in touch with them about this. I would call, get put on a long hold, and then I would get hung up on. About last week, I finally got in contact with them and thought I straightened everything out. He said that he was sorry for the inconvenience and said that my truck will no longer be repoed. Just about an hour ago, I received another phone call in regards to my truck. They asked me if I had possession of my vehicle still and I said yes. She said that my truck was up for repo and I need to pay the money that I owe to regional Acceptance or it will get towed. I tried to explain the situation once again and then asked to be transferred to a higher up. She said she would and I heard the phone click as she hung up the phone and the line disconnected. I have received phone calls and then the line would disconnect out of nowhere. Im trying to get my bank to help me fix the issue. I can not have my truck towed for no reason because I work at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Im in XXXX XXXX. If I lose my truck I will be in a very inconvenient situation. If I can get a phone call whenever yall have a chance, I have evidence that shows that regional signed for the check. I have the email of the gentleman that I sent the proof to from regional and was told it would be taken care of. I also have phone logs showing that the phone call was made and that I attempted to call back. 


My number is XXXX Thank you.
Consumer complaint received 2021-10-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc (TX)

Ok so PayPal has been taking money from me and I paid for every transaction that I made PayPal is not cooperating and also slapping limitations on my account. I am about to take PayPal to court if this is not resolved asap. I am tired of the games and garbage they attempt to keep feeding me with this. Simple PayPal owes me a XXXX of a lot more than {$50.00}! PAY PAL quit playing games with my money and also I mean it when I say I will take you to court. I'm done with the trash you keep doing by crediting my account then on the sly reversing it. You stole money give it back! Simple. I have proof so stop acting like I am a XXXX insulting my intelligence.
Consumer complaint received 2021-10-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A. (PA)

Macy 's Account XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX , A made payment was in store on XXXX XXXX, Payment did not post, so in XXXX she called cusomer service. Provided all information, the cashier was not over, and there sytem was off line, she could not provide the small receipt given. she called serveal times. Asking for the late fee to be removed, she was told, she needed to change er po box , due the Pariot Act.And because she would not give a new Address the customer service rep " would say they could not verifiy. this po box was used for 3yrs. never missed a pament. all or most payments were paid in cash, The balance was XXXX, under he sending limitXXXXat the time. the late XXXX interest XXXX and next payment due XXXX comes to XXXX.as of XX/XX/XXXX, the account was closed. XX/XX/XXXX. not letting me make a payment arrangment. If macy would contuine to accept the payments of XXXX monthly, ( XXXX ) would have been repaid. 
Company wrote this debit off using the miss information using the Paariot Act in the wrong way, I used my driver Licence to open the account, which i had my po box and my old address on it,,, plus reported as XXXX added XXXX in fee 's
Consumer complaint received 2022-03-12
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. (VA)

I have submitted several disputes online, via letter and by calling to each credit agency to correct my personal information that's on my credit reports. My Experian, XXXX and XXXX should only have my name, address and employer as followed every other name, address and employer should be removed ASAP per the law. Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX XXXX, OK, XXXX Employer - XXXX I need all other names, address 's and employers removed from my Experian, XXXX and XXXX credit reports.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, my name is XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (OK)

We have no clue how to pay our loan. We have tried to contact loan Depot multiple times and just get transferred around to tons of people. No one can find our loan or find any existence of any loan we have ever had with loan depot. We have made 2 loans with them. One currently and they can not find it for us to pay on it. We were promised that all loans of our type are service by loan depot and never sold.
Consumer complaint received 2021-10-04
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 (FL)

Prior to XX/XX/XXXX XXXX contacted American Express concerning debit to my card, which showed entries of XXXX penalty for a declined payments-these payments were auto set up and were being paid from my checking account and was being paid up until sometime in XXXX, when subsequently I realized that this debit was occurring, I call AA and was told that they can not waive because MY BANK, in this XXXX XXXX XXXX declined payment. 
I contacted XXXX and they have not record of this decline. Subsequently In frustration with XXXX  reps not being able to resolve, I wrote to XXXX  on XX/XX/XXXX, ( copies of the correspondence and post office receipt is attached ) outlining my concerning, with evidence. To date I have not received any correspondence concerning this issue. 
On XX/XX/XXXX I paid to to the card what I believe I legitimately owes them, and intend to discontinue ANY relationship with them, since it appears that they are treating this matter with utter contempt, notwithstanding, I would like to have this resolved. 
Thank You
Consumer complaint received 2021-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This letter is my THIRD request to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

" If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ''
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

USAA closed my checking account without my knowledge or written consent. I expressed on multiple occasions that i am currently experiencing financial hardships yet they had no remorse. USAA violated the following : Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 49 USC 306
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2021-10-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

I am writing this complaint due to the fact that Quicken Loans has denied me for credit you can find this situation under APPLICATION # XXXX. I spoke with a gentlemen by the name of XXXX XXXX XXXX who has asked me to put a down payment for an extension of credit this violation falls under 2 different statutes the first being The Truth In Lending act you can not advertise or promote that a down payment is required in connection with any extension of consumer credit pursuant to 15 USC 1662 ( 2 ). 
Second violation being under the The Equal Credit Opportunity Act, Quicken Loans has violated me due to the fact that it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter. 
The chapter is 41 Consumer Credit Protection where The Truth In Lending Act is in and under the truth in lending act there is a definition called credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. As you can see It is MY RIGHT TO GRANT CREDIT and you aren't allowing me to do that making this an act of discrimination because I have tried to grant credit which is my right.

1. I NEED A RESPONSE STATING IF XXXX XXXX XXXX ASKED OR REQUIRED ME TO PUT A DOWNPAYMENT DOWN IN AN EXTENSION OF CREDIT. 
2. ALSO I NEED A RESPONSE TO WHY I HAVE BEEN DISCRIMINATED AGAINST FOR GRANTING CREDIT WHICH IS MY RIGHT.

3. AND LASTLY I NEED A SENIOR EXECUTIVE TO DEFINE THE TERMS YOU HAVE USED BELOW DUE TO ME NOT UNDERSTANDING FOR THEY ARE NOT IN THE TRUTH IN LENDING ACT : LOAN BORROW DEBT INCOME LOAN
Consumer complaint received 2021-10-04
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. (TX)

There has been several FCRA violations and still will not removed it. 

On XX/XX/XXXX and XX/XX/XXXX I sent letters and supporting documentations certified mail in regards to a disputed item. 

Items disputed : US BANKRUPTCY COURT-XXXX  XX/XX/XXXX and US BANKRUPTCY COURT XX/XX/XXXX Equifax continues to respond as verified but they never verified it. I sent letters twice of method of verification as well as the courts do not provide information with the full social number unless the person or company file a motion plus do not verify information with third party and credit bureaus so they basically did not verify to see if this similar name is mines. 

Plus, said was verified by XXXX XXXX who i contacted by mail and told asked for the same thing and sent same supporting documentations. 

XXXX XXXX respond by mail stating they removed it and stated by mail do not have disputed item any longer. 

At this point it has been more than past 30 days and still no change and deletion from equifax.
Consumer complaint received 2021-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (GA)

I AM REQUESTING ALL DOCUMENTATION FROM OPTION ONE. IN 2004 WE THOUGHT WE RECEIVED A MORTGAGE FROM XXXX XXXX XXXX XXXX. AFTER FURTHER INVESTIGATION THERE WHERE A NUMBER OF LOANS WHICH WERE TAKEN OUT ON THE PROPERTY XXXX XXXX XXXX XXXX, XXXX GA XXXX. THE ATTY WHO WAS INVOLVED UTILIZED OUR INFORMATION AND APPEARED TO BE IN CONNECTION WITH THE CURRENT HOME OWNER AT THAT TIME, IT APPEARS THEY WERE OBTAINING FRAUDULUENT LOANS TOGETHER/GHOST LOANS PER OUR INVESTIGATION. I PREVIOUSLY SUBMITTED A COMPLAINT REGARDING PROPERTY AT XXXX XXXX XXXX, XXXX GA XXXX. IT APPEARS AROUND THE TIME IN 2004 WE THOUGHT WE WERE RECEIVE A MORTGAGE FROM XXXX XXXX XXXX XXXX WE DID NOT ALTHOUGH THE PAYMENT COUPONS WERE SENT. THERE WAS A LOAN TAKEN OUT ON XXXX XXXX XXXX BY XXXX XXXX  AT THE SAME TIME WE THOUGHT WE WERE APPLYING FOR A MORTGAGE WITH XXXX XXXX XXXX XXXX. MY SPOUSE FILED ALL FRADULUENT ACTIVITY IN THE US BRC OF XXXX  GEORGIA IN ORDER TO OBTAIN AN INVESTIGATION FROM THE TRUSTEE. THE JUDGE DID NOT APPROVE IT. MY SPOUSE 'S BRC CASE IS STILL OPEN IN THE COURT XXXX ATTORNEY IS ALLEGELY SERVING 15 YEARS, XXXX XXXX. MY SPOUSE FILED A LAWSUIT IN THE BRC AND OF COURSE IT WAS DISMISSED. WE WERE PART OF A PONZI SCHEME. WE WERE VICTIMS. THERE IS A LEGAL COUNSEL INVOLVED WHO WAS PAID A SIGNIFCANT AMOUNT OF XXXX, IT APPEARS HE IS STALLING AND WILL NOT RESPOND TO OUT CALLS. HE KNOW EXACTLY WHAT HAS TAKEN PLACE. WE HAVE NO CHOOSE BUT, TO EXPOSE EVERYONE AND ALL DOCUMENTATION WILL BE SENT. EVERYONE KNOWS NO MORTGAGE COMPANY WILL APPROVE 4 TO 5 LOANS IN A WEEK OR MONTH FOR A XXXX COUPLE! PLEASE!
Consumer complaint received 2021-10-04
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. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.