davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (GA)

I had an account with XXXX XXXX I believe in XXXX. It closed and I had a balance. I received a letter that I was being sued and had papers for court by Midland Credit in XXXX of XXXXI contacted someone and she told me the dates that I had to pay the balance. I made my first payment, in order to avoid going to court or having my things seized, in XXXX of XXXX. I made my XXXX payment in XX/XX/XXXX, i was told that i would be receiving s a letter stating that i paid in full and the account will be cleared and closed. XXXX weeks later XXXX XXXX I receive yet another court hearing for {$280.00}. whenever I call midland they already know who I am, I can never talk to someone in the legal department, XXXX months went by and no one could tell me where the fees were coming from and why they added it so late. I was told to pay it or my things will be repossessed. they added " court and legal fees '' to my account XXXX  weeks after my final payment and tried to sue me again. I disputed it through XXXX XXXX but have yet to see anything and midland credit does not answer calls.
Consumer complaint received 2021-02-24
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)

I did not supply under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seattle Service Bureau, Inc (TX)

NBS is trying to collect from a car incident for a car I do not nor ever have owned. 
Claim # XXXX Amount {$11000.00} They claim I own a XXXX XXXX XXXX and because my son used an old address of ours from Pennsylvania for registration and he is XXXX XXXX XXXX. I explained this to the guy on the phone, he said " too bad '', your name, your address, your car. I have not lived in PA since XXXX. Owned a townhouse until XX/XX/XXXX, for visiting. Not sure how to get my name off this claim. The incident supposedly occurred on XX/XX/XXXX. Again, not me, I live in Texas, never owned a XXXX XXXX and surely was not in Pennsylvania in XXXX. 

What recourse do I have? How do I proceed? 

Regards, XXXX XXXX XXXX
Consumer complaint received 2021-02-24
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: TRUIST FINANCIAL CORPORATION (NC)

I was referred to Consumer Complaint by my Congressman, XXXX XXXX, the ranking Republican on the House Financial Services Committee. 

On XX/XX/XXXX, we purchased a XXXX cruise in XXXX and XXXX through a travel agent, who paid the airline, the cruise provider and the travel insurer with my Visa credit card. 

Due to a progressive illness, this was to be our last trip. It would have been difficult, but we chanced it while there was some possibility. 

When the Covid pandemic forced cancellation of the cruise, the air fare, insurance and cruise payments were fully credited by Visa back into my checking account. 

But then Visa re-debited my checking account again, saying the the cruise line had offered us an IOU. 

I explained that our medical situation made an IOU worthless. We explained this in great detail to Visa, multiple times, in routine dispute correspondence. The cruise line and XXXX  Government guaranteed in writing to repay Visa if we did not take advantage of the IOUwhich we physically can't. 

We explained to Visa that the IOU was useless to us and why. Even so, Visa debited our checking account and proposes to hold the value of the cruise until the cruise line pays them in XXXX, essentially forcing us to loan Visa the cruise amount until then. 

Visa 's checking account debit caused transactions to bounce, triggering overdrafts and wrecking havoc with our bookkeeping at a time when other things needed our attention. We had to sell investments to restore our checking account and presumably our credit rating has been harmed by the overdrafts. 

We had paid everything we owed to Visa in full and on time. We explained the situation repeatedly by post and telephone calls. The barrage of apparently computer-generated form letters does not seem to be a good faith attempt to resolve the situation. 

Clearly we have no stake in the dispute between Visa and the cruise line. Certainly we have no obligation to save Visa harmless for the cost of the cancelled cruise until/unless the cruise line meets its its XXXX repayment commitment to them. 

We paid Visa in good faith and received nothing whatsoever in return for the payment. We need and deserve our money back..
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX has a late payment showing for the month of XX/XX/XXXX that I totally disagree and it is effecting my credit report. 

There was an error received on their website the day that I was trying to make my payment as I usually do each month and it was not allowing my payment to be processed. Since switching over from XXXX in XX/XX/XXXX. I have not been late since XX/XX/XXXX. When i contacted them they stated that payment went through on the 1st that caused my account to be 30 days late and that there wasn't anything they could do for me. After explaining to the customer service rep repeatedly that it was an error on their site that caused the issue, she became non responsive in resolving the matter. I am coming to you to see if there is any assistance that you could help get this late payment removed. 

Thank you XXXX XXXX
Consumer complaint received 2021-02-24
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. (GA)

XXXX XXXX has a late payment showing for the month of XX/XX/XXXX that I totally disagree and it is effecting my credit report. 

There was an error received on their website the day that I was trying to make my payment as I usually do each month and it was not allowing my payment to be processed. Since switching over from XXXX in XX/XX/XXXX. I have not been late since XX/XX/XXXX. When i contacted them they stated that payment went through on the 1st that caused my account to be 30 days late and that there wasn't anything they could do for me. After explaining to the customer service rep repeatedly that it was an error on their site that caused the issue, she became non responsive in resolving the matter. I am coming to you to see if there is any assistance that you could help get this late payment removed. 

Thank you XXXX XXXX
Consumer complaint received 2021-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (KY)

XXXX XXXX XXXX and XXXX, XXXX, and XXXX ( XXXX ) did not abide by our agreement and court order to apply my arrears unpaid to my principal ( from prior hardship mortgage plan from job loss ). They brushed off my many emails and calls requesting help regarding my mortgage 's incorrect billing statements during a pandemic. My monthly bills showed an extra {$5000.00} plus due each month. I was advised my loan was still in process and someone would call back - FOR THE ENTIRE YEAR. I was on the phone countless hours with no assistance and I not only emailed XXXX XXXX XXXX, but emailed XXXX for assistance. They never provided any detailed itemization of this {$5000.00} plus unpaid amount they added to my billing. Never provided explanation of why my principal increased so much, or provided any assistance with loan status. Even when my attorney reached out, they advised they would look into it and that was it. 
XXXX XXXX XXXX then sold my loan with the incorrect information to Roundpoint Mortgage, so instead of showing up to date Roundpoint has that I have not paid since XX/XX/XXXX. Which is not correct. Roundpoint, in turn, sent me a packet on foreclosure assistance two weeks ago and a bill for {$6000.00} plus, when my monthly payment is {$660.00}. I tried to refinance and was denied, because XXXX XXXX XXXX reported that I have not paid for my mortgage since XX/XX/XXXX and they would not correct or acknowledge my request to correct.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (GA)

On XXXX XXXX, I was hired to be a consultant for XXXXXXXX XXXX XXXXXXXX and XXXX XXXX, XXXX known as client. The client paid {$10000.00} upfront using the PayPal EFT platform. Halfway through the 10-week consultation, the client ceased use of my services and disputed his payment with PayPal. The client and I agreed to prorate a refund for {$4900.00}. The money was refunded to the client via PayPal. PayPal was advised of the settlement amount and supplied documentation of a mutual agreement between all parties involved. PayPal had supplied 26 documents from both the client and myself that the dispute had been mutually agreed on between myself and the client. Nevertheless, without warning, PayPal placed a hold for {$5000.00} paralyzing my checking account. More than an inconvenience, the hold has obstructed my ability to pay bills, receive incoming payments, and disabled the ability to pay employees. I spoke with two supervisors and countless representatives at PayPal, none of whom had any idea of a timeline for the {$5000.00} to be released back into my account. Moreover, and more recently {$2200.00} was paid to me via PayPal from an unassociated client which PayPal has taken due the account status. PayPals lackadaisical and unproductive information has obstructed monies owed to me totaling {$7200.00}, causing an irreversible and undue hardship. I am unable to pay vendors and employees currently. I am using credit cards to pay bills and will need to borrow money for XXXX rent. 
As I write to my elected officials, it is my hope, that PayPal the bureau continues to investigate and realize just how much power companies like PayPal have in consumers. My experience clearly shows a corporation acting as judge and jury without the capacity to do so. It is my hope the CFPB recognizes the power of newness in XXXX, and the bad actors exploiting these vulnerabilities.
Consumer complaint received 2021-02-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (GA)

In 2018 i had to vacate my apartment to reasons that i could no longer afford it. So the regional manager over the apartment said to pay her XXXX dollars and my 1 year contract would be terminated and so i did pay her the XXXX dollars and since then all of my older paperwork with those details were destroyed in a fire so i cant access the records to prove that my contract should be terminated. I know for a fact that the management group that was running the complex at the time were involved in several illegal acts at the time. Several other people that have previously lived in the complex had sued them for such accusations.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Child support reported me to be in collections for a case that child support was paid directly from my work checks during the same months it was being reported as a collection improperly. 
This has cause me to lose are large portion of available credit and damaged my perfect credit history. I have been trying for 4 years to get this resolved without succaess.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

when my credit cards debts increases by sometimes less than {$20.00}, my credit score drops by XXXX to XXXX points I do feel that is fair and is bad business, because if they drop my credit scores every time my credit cards debts drop {$20.00} or less, my credit score will always be low, that not right. I need my credit report audit from all 3 reporting bureaus, because something is not being done on a professional basis.
Consumer complaint received 2021-02-24
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. (NC)

when my credit cards debts increases by sometimes less than {$20.00}, my credit score drops by XXXX to XXXX points I do feel that is fair and is bad business, because if they drop my credit scores every time my credit cards debts drop {$20.00} or less, my credit score will always be low, that not right. I need my credit report audit from all 3 reporting bureaus, because something is not being done on a professional basis.
Consumer complaint received 2021-02-12
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. (CT)

On XX/XX/XXXX " TransUnion '' lowered my score " Again '' from " XXXX '' by XXXX points to " XXXX '' without any provocation. Which was previously lowered by them before, my scores with the other credit agencies are currently over " XXXX '' and rising. But for some unknown reason " TransUnion '' will periodically and randomly lower my score, although there has been no erroneous changes to my credit. I requested several disputes of my CT Child Support account balance being incorrect due to it being drastically reduced by my stimulus funds that was rerouted to CT Child Support, " TransUnion '' has refused these disputes multiple times. Can you please assist me with this matter.
Consumer complaint received 2021-02-24
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. (NC)

I have submitted 2 CFPB complaints and I sent several requests to investigate a few inaccurate accounts on my credit profile on XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX. It has now been 90+ days since I sent my inquiry, but I have yet to receive a response. I'm looking to purchase a home and these inaccurate records on my profile are stopping me from achieving my dreams.
Consumer complaint received 2021-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

TRANSUNION IS NOT LOOKING INTO MY DISPUTE THAT I HAVE PROOF SHOULD HAVE A ZERO BALANCE.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (MD)

A debt collection was reported to all ( 3 ) credit bureaus for an account that is not mine. I tried disputing the account with the bureaus, but the item was not removed from my credit report. I have tried calling the number provided, but they never answer the phone. I sent a letter to Montgomery Collection Services requesting documentation for why they believe this debt is mine, as I have never done business with the named entity, nor have I ever received a statement for any existing obligation.
Consumer complaint received 2021-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

This account is still with midland credit management. It is a fraudulent account and needs to be removed and collections stopped immediately. XXXX XXXX has deleted and researched all these accounts and have found them to be opened as a part of identity theft. Attached is a copy of the police report and when it was filed. 

Midland credit is not doing the right thing here and protecting the individual that was a part of identity theft. This is a very trying time during the pandemic and Midland is adding on to the stress and many jobs check credit before they hire you. Midland is not doing right here.
Consumer complaint received 2021-03-01
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: EQUIFAX, INC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-02-24
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: LCS FINANCIAL SERVICES CORPORATION (MS)

I received a alert that my credit was pulled for a installment loan. I havent applied for a loan so I called them. I provided my info and she stated it was in regards to a home my ex husband and I purchased in XXXX. I have been divorced from him since XXXX and I also filed bankruptcy which was discharged in XXXX that includes the house. I advised that I didnt authorize them to check my credit and I had never even heard of the company before. She stated something about them trying to collect a debt. I asked for it to be removed from my report because I didnt tell them they could run my credit for a home I havent had since XXXX and again was discharged on my bankruptcy. I was placed on hold then hung up on.
Consumer complaint received 2022-12-14
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. (MD)

FCRA Violation : address and names not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation '' auto loan not mine XXXX XXXX XXXX XXXX XXXX XXXXI FCRA Violation : credit card not mine XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : other loan not mine XXXX XXXX FCRA Violation accounts not mine remove from account.
Consumer complaint received 2021-02-24
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)

Is reporting opened but its closed and revolving account XXXX  XXXX, XX/XX/XXXX balance unknown XXXX XXXX  XX/XX/XXXX is reporting open and revolving but is closed balance unknown XXXX XXXX XXXX XXXX XXXX XXXX is reporting opened and revolving but its closed balance unknown Inquiries : XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting delinquent.
Consumer complaint received 2022-12-14
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. (MD)

Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

In addition, I have my several complaints to the creditor and the credit Bureaus to report the account with XXXXXXXX XXXX has been closed as of XX/XX/2022. There have not been any changes to my report to update this. Per FCRA 15 USC 1681, after the required timeframe has passed and the information disputed showing inaccuracy has not been changed ; the account must be deleted within 30 days of not providing proof that the account is accurate. 

Account Name : XXXXXXXX XXXX  XXXX - Delete account due to multiple submissions of reporting account and non-responsive from creditor and credit bureau. 

As result, please remove XXXX Bank account addressed above per FCRA 15 USC 1681 by law, must be deleted from the credit report within 30 days of not providing proof that the account is accurate.