davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
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 APPLIED FOR A MORTGAGE AND THEY DENIED ME BECAUSE THEY SAID I MISSED A MORTGAGE PAYMENT WITH XXXX XXXX XXXX ... I HAD NOT. I CALLED XXXX AND THEY COULD NOT EXPLAIN WHY THEY THOUGHT I WAS LATE. I WILL ATTACHED MY RECORDS OF MY PAYMENTS WITH THIS COMPLAINT. I NO LONGER HAVE THE LOAN WITH XXXX  AS IT IS PAID OFF. THEY LISTED ME 30 DAYS LATE FOR XX/XX/2019. I WAS NOT PERHAPS THIS WAS WHEN THEY WERE TRANSFERING TO XXXX XXXX XXXX? WHICH THEY SHOULD NOT HAVE BEEN REPORTING NEGATIVE INFORMATION ANYWAY DURING THAT PERIOD
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (GA)

I filed three disputes with Experian for charged off accounts that were sold to third party collection agencies but are still reporting a balance from the original creditors. This is a FCRA violation. Experian chose to allow the reported original creditors to continue reporting a balance despite the FCRA requirements for how charged off/sold accounts should be reported on credit reports. 

The accounts include the following companies : XXXX. XXXX was sold to XXXX XXXX in XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX in XXXX 
XXXX. XXXX 's XXXX XXXX was sold to XXXX in XXXX 

My dispute results verify that Experian is allowing the companies to continue to report ( see attached ). Also attached are copies of the collection notices that I have received from the third-party agencies which validates the accounts were sold.
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: D2 Management LLC (MI)

I received a call from XXXX ( on XX/XX/2022, XXXX ) asking to verify my first name. I told them it " depends on the reason of the call '' because I did not want to be scammed or a victim of identity theft again. She identified her debt collections agency as D2 Management. Then the lady disclosed the last XXXX digits of a social security without verifying who I am first. I did not disclose to them verbally my first name nor my last name. This is a violation of privacy. I then told them I do not know the reason of the phone call or what debt is being collect and hung up on them. 

Later, I called the same number ( XXXX on XX/XX/2022, XXXX ) and requested the debt collection agency 's mailing address to submit a debt verification letter. The lady identified herself as XXXX ( Did not confirm the spelling of her name ) and refused to provide the mailing address of the agency until I gave her my personal information. This is a violation of the Fair Debt Collection Practices Act ; a debt collection must be able to provide a mailing address without personal information to allow consumers to submit a debt verification letter. XXXX told me I could tell her my personal information and have them send me the debt verification letter, however, that could be a lie and they do not need personal information to disclose to me their mailing address for their debt collections agency. She did tell me the website of their agency, d2management.com. However, the website could be fraudulent or even have the wrong mailing address on the web page for the agency. She continued to refuse my request for the mailing address and told me she " will let her clients know '' and hung up on me.
Consumer complaint received 2023-03-14
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)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-07
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (OH)

I have evidence of submission of 6 emails with clear attachments. One attachment was not legible ... The FIRST one only. So now every single document I have forwarded thereafter gets rejected but the Computer has been stuck on XXXX for over a month. I've even spent 2 hours on the phone talkIng with CSRs that tell me to stay tuned for security to fix it. Nonetheless. Nothing has happened. This is the worst customer I have received in 30 years of banking. I'd just like to reopen my accounts if that is a possibility. The number outlined as an acct number is just my Previous profile number
Consumer complaint received 2020-07-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I received a letter from a company named " Portfolio Recovery Associates dated XX/XX/2020 regarding collection of some alleged money owed. 
I responded to them in writing on XX/XX/2020 and on XX/XX/2020 ( certified ), both letters of which held notification to cease/desist until they can can supply me with my requests in mailing for validation etc.. 
Since my first letter dated XX/XX/2020 I have received several phone calls, emails and mailings from Portfolio Recovery Associates violating the cease/desist and none of which held the information of my requests. Last phone call from PRA was received this evening at XXXX. 
I have attached some supporting documents. 
Also have additional documents at the CFPB request. 
Thank You.
Consumer complaint received 2020-07-07
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/year>, at XXXX, I attempted to make a cash deposit at the Regions Bank ATM at their XXXX XXXXXXXX XXXX XXXX XXXX XXXX However, their ATM machine malfunctioned and retained my ATM card, thus preventing me from being able to complete my deposit. I then called their customer service department and spoke with an agent that assisted me by having me make a cash deposit into my business account, then while I was on the phone with her, she made a transfer for me from my business account to my personal account. However, after dealing with their malfunctioning ATM machine, then having to call customer support and wait on hold for XXXX minutes, it was now XXXX, which was after Regions XXXX XXXX XXXX ) cut-off time. Therefore, just as I suspected, they charged me a {$36.00} OD fee and returned XXXX pending payments to XXXX in the amounts of {$45.00} and {$44.00}. As you can see at the top of XXXX of my account screenshot pages, Regions Overdraft Grace period was still in effect until XXXX ( XXXX ) time, and had their ATM machine not malfunctioned, I would have been able to make the deposit before their Grace Period ended. XXXX is now charging me XXXX {$25.00} returned payment fees as well.
Consumer complaint received 2020-01-25
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. (FL)

I AM NOT LIABLE TO THE ACCOUNT BEING DISPUTED. THE ACCOUNT HAS BEEN REPORTING LATE PAYMENTS WITHOUT MY KNOWLEDGE AND I HAVE NO IDEA HOW AND WHEN THIS ACCOUNT STARTED REPORTING NEGATIVELY ON MY CREDIT REPORT. PLEASE HAVE THIS DEROGATORY MARK PERMANENTLY OFF MY CREDIT REPORT FOR IT HAS BEEN DAMAGING MY CREDIT SCORE.
Consumer complaint received 2020-01-25
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. (GA)

XXXX XXXX XXXX has continued to report false late payments on my credit history. The vehicle was returned to XXXX XXXX in XXXX of 2019. This account was part of a bankruptcy case that was dropped and a Federal court issued a order for XXXX XXXX to close the account. 

The last late payment shown should have been in XXXX of 2019. The company has violated the FCRA by continuing to report false and unverifiable information. 

The vehicle that XXXX XXXX is claiming to be in my possession they have. Also, XXXX XXXX has failed to follow Georgia law and properly notify me of the sale of the vehicle. XXXX XXXX took possession of said vehicle in XXXX of 2019 and they have yet to make any changes to the balance. Nor have they notified me in writing of the sale of the vehicle. 

A late payment of 30 days is being reported for the month of XXXX. This is inaccurate. The payment in XXXX was only late by 14 days. THE FCRA clearly states that no entity shall falsify any information in a credit file. This is false information. If the XX/XX/2019 payment was only 14 days late, the month of XX/XX/2019 should not read 30 days late.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UD DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted 15 fraudulent inquiries.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Talbot, Adams, & Moore, Inc. (TX)

THIS COMPANY XXXX XXXX XXXX. IS A FRAUD AND XXXX   KNOWS IT. I HAVE REASONS TO BELIEVE ALL OTHER BUREAU HAS REMOVED THIS FRAUDULENT REPORT FROM MY CREDIT REPORT. WHY HASN'T XXXX. XXXX CREDIT REPORTING HAS NOT PROTECT MY CREDIT FILE BY ALLOWING INFORMATION TO BE HACKED WITH NO COMPENSATION OFFERED. I HAVE ASKED THIS COMPANY TO PROVIDE ME WITH A DETAIL LIST OF ITEMS I PURCHASED ALONG WITH MY SIGNATURE THAT REFLECTS I HAVE DID BUSINESS WITH THEM IN THE PAST. THE AMOUNT STATED I OWE IS {$320.00} FROM WHAT YEAR AND WHAT ORGANIZATION? XXXX XXXX XXXX, {$450.00} XXXX XXXX {$170.00}
Consumer complaint received 2020-07-07
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: Experian Information Solutions Inc. (KS)

To whom it may concern, I recently looked at my XXXX XXXX XX/XX/XXXX. I noticed there was a lot of inquries I have no clue what they are and never applied for. I feel these were all fraud as to my knowledge I never asked any of these companies to run my credit. They were not authorized by me. I would like all of the following to be removed from my credit report through any reporting agency. I never signed any documents or heard of some of these companies. XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX   XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have shown pictures below. Under the fair credit reporting act 609 you will see none of this stuff is accurate. Thank you for your time and hopefully all this can be fixed as I am trying to fix my credit and have accurate information.
Consumer complaint received 2020-06-03
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: CREDIT ACCEPTANCE CORPORATION (AL)

I have inquiries on my XXXX  report that I dont recognize and I tried calling all the companies they dont have any clue why they on my credit. Report I didnt try to apply for any credit I want those inquiries removed off my XXXX  credit report
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-22
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CA)

VALIDATION AND CEASE AND DESIST Collection agency name : Radius Global Solutions LLC Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Radius Global Solutions LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Consumer complaint received 2020-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (TN)

On XX/XX/2020, I reached out to 24/7 advance financial to advise that I was currently furloughed from my employer due to COVID, I advised them that because I was furloughed and not laid off, I was not able to obtain unemployment. I also revoked all auto debits from my account and made a small good faith payment. I advised the agent that I was speaking with that I would not be back to work until XXXX at the earliest, but, I had not been given a date as of yet. On XXXX, I received notification from my bank that there was a debit of {$200.00} and because I have overdraft assistance it was paid. I did not authorize any payments from my account and the agent said that I agreed to a promise to pay that I did not agree too so they could not refund me my money.
Consumer complaint received 2021-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NY)

Gemini currency exchange found at www.gemini.com is a scam. I have XXXX of assets in USD held in that exchange since XX/XX/2021 and neither support nor security team has contacted me with a resolution on how to reactivate my account or withdraw my funds to move to another platform. This kind of service for a financial platform is COMPLETELY unacceptable. I want a response NOW and to be given the option to withdraw my funds to my bank. I no longer trust this shady platform. Fair warning to anyone considering moving to this platform, STAY AWAY FROM GEMINI! They will allow you to deposit money with ease and freeze your account without warning, holding your money hostage!
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

PayPal -negative XXXX GBP XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal XXXX XXXX GBP ; PayPal XXXX Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.
Consumer complaint received 2020-06-29
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: Experian Information Solutions Inc. (PA)

Thank you for taking the time to review my complaint. In XX/XX/2016 I was granted a car loan with assistance from my mother. With my mother as co-signer, the vehicle had high payment with a high-interest rate. Understanding the laws of unfair sales practices, a co-signer shouldn't be a liability. When there's a transfer of risk, according to laws, being placed in a financial burden is illegal. Being young at the time, the first vehicle, payments were made according to term agreement. Within the second year of the contract, the vehicle experienced a major decline with issues. Vehicle costs increased within the second year of the contract. Unable to maintain both costs of maintaining the vehicle ; our decision was to return the risk which was placed with us.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (FL)

Discover, without my authorization, signed me up for Payment Protection and have charged me over {$3200.00} since XXXX. I have asked to be refunded the full amount and they said they would only return the past six months. I struggle every month to pay my bills and they have taken advantage of me. I also know that there was a class action lawsuit which they admitted no wrongdoing. What concerns me is that Discover continued with the unauthorized program after they were caught.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (MD)

Where do I begin, I applied for a separate '' my Own '' Southwest Rewards Credit card because of the XXXX bonus points they were offering..I have worked my whole life and now retired since age XXXX, now XXXX, ,This has been going on since, XX/XX/year> or XXXX have called over 15 times, spent many hours on the phone, being verified by Chase then not verified and now they refuse to give me my own personal card. Today they asked me if to verify if I put in a credit card dispute with the existing card we have from them ( over XXXX yrs and an XXXX XXXX  ). I answered No and that was the wrong answer and they refused to talk with me. I answered honestly as my husband put in a {$16.00} dispute against XXXX. I have unfrozen my credit, several times, told ok. and this goes on and on. Please help I just want a credit card in my name, I am a retired XXXX XXXX, my husband retired law enforcement. Please straighten Chase out for us. Please Proffessional Courtesy!! 
Please make Chase accept me from what I am, even have US Passport I am XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX for over 37 years!! 
I feel I am being switched around so many times, nobody in Chase Bank has a clue Sincerely, XXXX XXXX Thank You for your HELP