davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

TransUnion employee, XXXX XXXX, Senior Supervisor in the special handling department was the 4th person I spoke with on XX/XX/XXXX. I spoke with an agent in the disputes department, I spoke with her supervisor, I spoke with that supervisor 's supervisor, then she transferred me to XXXX who is her supervisor. 

Every single person told me they do not care what the law states about consumer reporting practices, that they only are required to comply with company policy. 

TransUnion is reporting an installment loan account by creditor XXXX XXXX, acct number XXXX. The creditor very accurately lists adverse information for this account and TransUnion classifies it as - " Condition Derogatory ''. The account was paid off and closed on XX/XX/XXXX, which is 9 years and 6 months ago. This violates federal law. 

In fact, TransUnion lists this account as a factor adversely impacting their computation of my credit score, and states that once this account is removed from my credit history, in time, my credit score will improve. 

My credit score from TransUnion, as a result of this error, is XXXX. In their explanation of the computation of this score, TransUnion states, " Based on your credit report data, this is a depiction of your credit worthiness. '' In comparison, my scores from XXXX and XXXX   are XXXX and XXXX respectively. Both XXXX and XXXX automatically removed this account at the 7 year anniversary without any request from me. More than 2 years later, TransUnion is still reporting this account in violation of Federal Law. 

The following code clearly states this account must be removed from my credit report. After 1 hour and 25 minutes on the phone, while still refusing to comply with the law, XXXX stated she was notating my account so that all other representatives would be advised NOT to remove this information under her direction, such that if I call back I will be refused for this same request, then she hung up on me. 

U.S. Code Title 15. COMMERCE AND TRADE Chapter 41. CONSUMER CREDIT PROTECTION Subchapter III. CREDIT REPORTING AGENCIES Section 1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reportsExcept as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

Equifax ; XXXX and XXXX are reporting incorrectly a voluntary repossession on the XXXX account number XXXX. ( Please see page attached from our credit report. ) Shortly after purchasing the vehicle the independent inspection that we had done revealed that this vehicle failed to meet the standards as required under the law for safety and also this vehicle fell under the rules required for the Lemon Law. We returned the vehicle within the time allotted and were told that there would be no negative reporting on our credit report, but that turned out to not be true. I had documentation to prove the vehicle was not up to standards however, these documents were lost in a house fire. This was not a voluntary repossession or a repossession of any kind. The vehicle was defective. This incorrect reporting of a repossession is harming our credit score and this line item needs to be removed from our credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-09-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NV)

In the year 2014 I was suppose to receive an annual payment in the amount of XXXX on my Chase personal checking account instead it was receive to a wrong chase account that I had close for many years and on top of that they disburse a cashier 's check to an old address that I did no longer reside for 8 years. I sign a first affidavit and 30 days later didn't receive my cashier check due to the fact that paper work was not process whent in for the second affidavit to sign it was a major bank issue
Consumer complaint received 2019-09-18
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Patrick K Willis Company Inc (GA)

REF:XXXX This company has continued to harass my father, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. S.B. Investigative Services AKA Skip busters / Skip tracing Services seems to be a part of American Recovery Service and Patrick K Willis Company. My father had a breakdown from those illegal collection tactics. My father is a XXXX Veteran suffering from XXXX. They called him at all time of the night, and from private telephone numbers so we couldnt track the calls. 
I answered my fathers phone one time with a deep voice to make them think it was him. The caller said, you XXXX XXXX XXXX  will not pay your bills. I had to move him to the XXXX base in XXXX   XXXX with me to get him from these folks. I can not take this any longer. They are pushing the WRONG buttons with him. I have sent them a letter and begged them to stop these unethical collection tactics. Please make them stop, or send the owners to jail. 
Under the provisions of Public laws 95-109 and 99-361, known collectively as the Fair Debt Collections Practices Act ( F.D.C.P.A. ) I have formally notified them to cease all communications with him in regards to a debt that he is unaware of, or any other obligations that he alleges owe. 
Advise them if these collection attempts continue after receipt of this notice I will immediately file a complaint with the Federal Trade Commission, XXXX, and XXXX   Attorney General office. If he is contacted again after receipt of this complaint, I will pursue both criminal and civil claims against them and this company for violation of the F.D.C.P.A. They should be aware of this complaint going forward. I will confirm the delivery of this complaint. All future communications will be recorded. I will use it as evidence in my father claim against them. 
I will monitor any negative information appearing on my father credit reports about this account. If so, I will handle it with his full legal rights and use remedies available to him with regards to current consumer protection laws.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I have been trying to resolve a adledged debt on my credt report that was assigned to LVNV Funding LLC/Resurgentance. First I was never informed of the adledged debt before seeing it on my credit report. I then disputed it with all 3 credit beruaes, The only thing i got was  from the credit beruae saying verified. I then wrote two letters to LVNV themselves with no response. I then sent a certified letter that was returned to me. My issue is other than no communicate is that they are reaging the adledged debt by reporting the date it was assigned to them and not the correct dates that it was opened and went into collections. I did get through on the phone once and they were extremely rude swearing at me and threatening me if I didn't resolve the issue right that moment. Very unprofessional, noresponses, incorrect information. Companies like this should not be aloud in business. People due fall on hard times but when trying to deal with it should at least be treated with respect and communications. Thank you!
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for a Capital One Quick Silver credit card and it was approved on XX/XX/2019. I got my card after few days in the mail and when I tried to activate it on my phone, I could not. So I called Capital One customer care and thats when I was told that my account has been flagged or restricted for activation and will be activated if I provide them with further evidence like my license, checkings or savings bank statement and a signed copy of my SSN. Thats when they emailed me a secured link and I uploaded the documents in those link and was told that the documents will be processed in 7 to 10 business days. Today when I called them back to check on them, I was told that I have to stay on the line with them till they reach out to my bank to verify my address and I was put on conference with my banks customer care and the lady on the line with me was asking me to punch in all my bank details while she is on line. So basically they are trying to access my bank account, since they could not verify my bank statement on their own. Thats when I refused to do that and questioned that lady on the line that it is her responsibility/job to verify my bank statement. She then mentioned that I agreed to the terms and conditions and this clause is one of them. Thats when I asked her where can I find the terms and conditions, she replied that I could find it online and refused to email me them. At this point I hung up the call and decided to place a complaint. 

I will explain my situation now, I found this credit card has good rewards and I went ahead, applied and got approved. When I got approved there was no mention of any further evidence required or any query for my approval, which I was not aware till I called my card 's customer care. 
Now I am cornered by them to provide with further evidence ( Which I absolutely have no problem with ), I do not have a choice of not sending them any way because a hard enquiry has already been done on the credit and it will definitely effect my credit score. 

I may not have applied for this card, if this requisition of additional documents is mentioned or addressed during the application process. 

This is clear case of misleading the customers and forcing them to provide the docs after conducting a hard enquiry on their credit. 

By the way I already have a different open credit card account with them I wish somebody could help my situation.
Consumer complaint received 2019-09-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MI)

On Saturday, XX/XX/XXXX and Tuesday  XX/XX/2019 I used Chase Quick Pay with XXXX to submit two different payments ( {$700.00} Security Deposit and {$700.00} 1st Month Rent ) that was required to move into a rental I was supposed to move into on Saturday, XX/XX/XXXX. The home owner then tried to get more money out of me and I finally pieced together I was being scammed. 

Since XXXX was offered through my Chase Bank online portal I thought it was part of Chase and I would be afforded protections. 

After I realized I was being scammed I contacted Chase and got the run around finally ending up talking to XXXX in the Chase Claims Dept ( XXXX ). I was told XXXX not a part of Chase and since my payments were pier to pier there was no obligation on the part of Chase to help get my money back. XXXX said I should have read the fine print and XXXX should only be used to send money to people I know. 

If that is the case then Chase should have had an upfront notice stating " You are aware that scam artists and pirates prefer XXXX because there's no recourse after they get your money, and Chase doesn't care ''. 

I've done a lot of research on XXXX since getting scammed and I think it is bs that Chase chose to partner with XXXX, the number one tool used by scam artists because there's basically no verification required to set up an account, and that Chase promotes it as their own internal payment system giving the illusion I'd be afforded the same protections I get with the other Chase family of products. 

I'm also very upset that Chase made it this easy for this scam artist to now have my personal information.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (GA)

I received a letter today XX/XX/2019, about a debt I do not owe. The letter is dated XX/XX/2019 and I have the Post Office imaging service that provides a picture of the mail on a daily bases. As you can see in the attached image, the letter was received on XX/XX/2019, 10 days from when the letter is dated. The same day i received the letter, I started to receive phone calls to my cell phone from Credence Resource Management, I provided a picture of my call log on my cell phone. Both are violations of the Fair Credit Reporting Act. I have 30 days to dispute the debt prior to any harrassing calls and Credence is calling my cell phone. I'm on the do not call registry for over 10 years.
Consumer complaint received 2019-09-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Tower Loan of Mississippi, Inc. (MO)

I offered a settlement payment that was refused through a debt consolidation company called XXXX XXXX XXXX, they've declined all offers and they constantly run hard inquiries on my credit report for the sole purpose of trying to lower my credit rating. That had stopped for approximately 4-5 years now, all of a sudden on XXXX i received a text from Tower Loan in XXXX, MO. At the same time I received a notification of a hard hit inquiry on my credit report done by Tower Loan without my knowledge, authorization, and or approval. So i called the XXXX, MO office and asked why this was done. The office manager XXXX stated that he can do whatever he wants to do until the account is paid, he also stated that he'll do it every month. I told him that the account has been closed since XXXX of 2013 and that the account has been " charged off '' " written off '' proffit loss. He stated that he can do it this no matter what the account says, and that if it doesn't get taken care of then he'll put a lien on my mortgage title since my wife and i are now homeowners. I told him that myself and XXXX XXXX XXXX tried to make a deal and settle with Tower Loan, he responded " not my problem ''. He continued with the threat of me being sued and have a lien put on out home title and that hes starting the paperwork today ( XXXX ) and that he will have me served.
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

I made several earlier complaints against this mortgage servicing company - Seterus Inc ; - my complaint reference # XXXX of XX/XX/XXXX refers. 

With effect from XX/XX/XXXX - Seterus Inc ; transferred my loan servicing to another company - Nationstar Mortgage LLC d/b/a Mr. Cooper. This was done without my agreement, especially as my several complaints against Seterus Inc ; have remained unresolved. 

At the time of transfer to Nationstar Mortgage LLC d/b/a Mr. Cooper - Seterus Inc ; mentioned in 1098 form of XXXX that they paid for my real-estate taxes. I have no escrow, either for real-estate taxes or for hazard insurance. I am wondering how and why Seterus Inc ; paid my real-estate taxes without my knowledge or without being requested by XXXX XXXX Texas officials. 

An action needs to be taken by CFPB against this company, as I have noted from your web-site, millions of complaints have remained unresolved against Seterus Inc ; Kindly provide resolution of my previous complaint # XXXX dated XX/XX/XXXX and resolution of this complaint. 

It is of utmost importance that I receive a response, as Texas Department of Savings & Mortgage Lending ( Texas SML ) is dealing with Nationstar Mortgage LLC d/b/a Mr. Cooper. For your information - Nationstar Mortgage LLC d/b/a Mr. Cooper is also manipulating their records, harassing, and making our life difficult - treating us like criminals, although we have and are making timely payments.
Consumer complaint received 2019-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

I received voicemails almost daily in regards to my federal student loan. All unidentifiable calls to my phone goes unanswered so a voicemail is left. The voicemail is always a female with different names and the script is always the same with a callback and reference number. The callback number is XXXX. XXXX XXXX, XXXX
Consumer complaint received 2019-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I responded to an ad on XXXX about a rental property. On XX/XX/XXXX, I made a wire transfer for {$5000.00} to a person I believed was the landlord of the property in order to secure the apartment. On XX/XX/XXXX, I called my bank, Chase, to authorize the transfer. Chase told me it will take 24hrs to process it. 

However, I realized quickly it was a scam and called Chase back two hours later. I asked to cancel the wire transfer. The transfer was still pending when I checked my account. Chase responded that I missed the cut-off. I explained to them that it was a scam and as an ethical organization, I urged them to do more. They responded that there's nothing they can do at this point. 

I asked then for a wire recall. Chase responded that I needed to wait Monday morning to contact the Wire search team. the fact that I had to wait a whole weekend and give the scammer plenty of time to close his account and disappear is just unacceptable. 

Monday, XX/XX/XXXX, I called the Wire search team at Chase. They told me they will reach out to the other bank involved, XXXX. On XX/XX/XXXX, Chase called me back to tell me that XXXX contacted them to inform Chase that its client is unwilling to give the money back. The fact that this answer was enough for Chase is just once again unacceptable. I provided proofs regarding the scam and Chase was not willing to do anything about it. 

Furthermore, I believe Chase didn't wait for me to authorize the transfer to process it. On XX/XX/XXXX in the morning, I received a message on my phone from Chase telling me they need my authorization in order to process the wire. However, on XX/XX/XXXX in the afternoon, I also received the following email. 

" We have not sent your wire transfer referenced above because of a delay in processing. We will continue processing your request and contact you if we need more information. '' For that reason, I believe Chase was reckless and started processing the wire transfer before I gave my authorization. That's why I believe when I called back two hours after I gave the authorization, Chase had already processed it.
Consumer complaint received 2019-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

This complaint is in regards to innacurate information on my credit report involving all three credit bureaus. I disputed the information by mail and have delivery confirmation. I was then notified the information was verified as accurate. I then requested a method of verificationn with delivery confirmation and expected a response with in 15 days. I have recieved a copy of my current credit report with either no changes or only some changes in most cases the changes weren't even relevant to my dispute. There however has been no method of verification whatsoever.
Consumer complaint received 2019-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (OR)

On XX/XX/2019 my house closed. One of the provisions was to pay off certain notes with various lending institutions. One was a credit card at U. S. Bank XXXX. Unfortunately the title company gave U.S. Bank information on a loan rather than the credit card as directed by a Court Order ( XXXX County NO XXXX, XXXX ) thus creating an error. 
U. S. Bank has been requested numerous times to reverse their action and pay off the credit card with the loan amount and reinstitute the loan, however they refuse! It has been almost 4  months ; their actions have blocked me from obtaining a place to live. Created a negative impact on my treating XXXX XXXX by not having steady place to live, create a routine so I am able to neither cook a special diet nor maintain a healthy living environment. They instead of paying it off per court order have sent it to collection and adversely affected my credit. 
I had planned to move my Tax office to my new home however the office stuff gathers dust in a storage unit and I try to maintain contact thru the internet. I have no office! 
As a XXXX Veteran with XXXX  XXXX wanting to spend what is left of his life in peace and tranquility I have ended up living out of the back of my van, motels and an apartment while my personal & business items are in three storage lockers. 
I have no king size bed but instead a recliner. 
All this because U.S. Bank refuses to correct an accounting error and just ignores it hoping as a XXXX Veteran with XXXX   XXXX  just dies and goes away.
Consumer complaint received 2019-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (CA)

In XX/XX/2019 I was notified by my identity protection company that I had a new collections account. This showed up as Innovative Recovery. I had never heard of or done business with this company nor have I ever received any contact from them stating I owed a debt. When I contacted them they claimed this debt was for an apartment at ( XXXX XXXX XXXX ) an address I had not lived in but for an apartment company ( XXXX XXXX XXXX ) that I lived at over 4 years ago. XXXX XXXX XXXX has a completely different address and zip code. XXXX XXXX   XXXX also claims I have no debt with them nor have I ever. When I asked Innovative Recovery for verification of debt, they sent a statement with bogus charges for dates I didnt even live at the supposed complex. Again, the address on this statement is an apartment I did not reside in. 
Next they sent me a bill that looked like a bill a magazine subscription would give you. Complete with a fill out your card information and send it back section. 
Then this company began calling my cell phone, my parents landline, and my mothers cell phone. They continually try to offer to settle for a lesser amount then they are claiming I owe. I never gave them mine or my parents contact info other than the address to send the verification of debt to. I sent a stop contact letter because this debt is not valid.