davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

It has come to my attention that XXXX XXXX  XXXX is a Debt Collector in accordance with the FDCPA 15 USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/Natural Person. Pursuant to 15 USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place.

The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act.

I shouldve been provided an Opt Out form in accordance with the GLBA 15 USC 6802 ( b ) for my Non Public Personal Information youre transmitting with non affiliated third parties.

In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor. You shall cease all reporting collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment. 

Pursuant to 15 USC 1692c ( c ) ( 2 ), I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you cease and desist any further communication and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ).

Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account from ChexSystem Retract late payments..XXXX 15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration
Consumer complaint received 2021-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I received a letter from Capital One XX/XX/XXXX, XXXX saying they were closing my account because of inactivity. The problem with this is that there were a number of reward points associated with this account. And this closing letter was the first communication I had from them saying they were doing this. I never received a warning letter or a letter saying if something wasn't charged to the account that the points would be forfeited and the account closed. I called Capital One on XXXX different occasions after I got the letter and talked with XXXX different people, none of whom were able to resolve this for me. I asked to speak with a supervisor repeatedly and was never allowed to do that. I asked if the account could be re-opened or the points could be transferred to another account that I still have there, and was told no repeatedly. The last person I spoke with said she'd 'write a letter ' to appeal the decision and call me with the results. She called today and said they would do nothing to help me. The points are gone, the account will not be re-opened, and points can not be transferred. This is just like them taking money out of my pocket with no warning or ramifications. It's just not right and they're not willing to fix it. Please help. Thank you.
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BMO Bank, N.A. (ND)

I was banking at Bank of the West & they had just gotten bought out by BMO Harris Bank. I attempted to wire transfer my funds to another bank account I have at XXXX XXXX Bank as I wanted to close my accounts with BMO Harris Bank. When I tried this they froze my account and told me to call to unfreeze them. I called and the woman said she would unfreeze the account. I checked three days later and it was still frozen. On XX/XX/XXXX I called BMO Harris bank to close both my checking & savings accounts I had with them. I called at XXXX XXXX XXXX. The man on the phone told me he would close the account and the check for about ( total of checking and savings ) {$4000.00} would be in my hands in 2-3 business days. I told him 3 times what address to send it to as they had the incorrect address on file, even though my current address was updated with Bank of the West. The man repeated the address I gave him and I verified it was correct. I did not receive the check at this time so I called and asked where it was. The man told me it was actually 7-10 business days. So I waited and did not receive the check, so on XX/XX/XXXX I called again asking where my check was. I was told by XXXX that it was mailed to my old address and not my current one, even though each person I spoke to prior to this verified my current address. XXXX then told me to wait until XXXX for my check. Between XX/XX/XXXX and XXXX I left XXXX multiple voicemails and got no return call. On XXXX there was no check so I called again and spoke to XXXX. He told me that it was in fact mailed to my current address. He told me that he would put a request for a XXXX to call me back which would happen in the next XXXX hours. XXXX XXXX was a Friday and XXXX a holiday, that would mean XX/XX/XXXX. I got no call from anyone during that week. I called on XX/XX/XXXX and spoke to someone who told me that her XXXX would personally call me that day, and I havent received a call. Its now XX/XX/XXXX, and I have been late on my rent and other bills, owe multiple family members money as they have been so kindly doing what they can to support me during this time.
Consumer complaint received 2023-01-22
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: Bread Financial Holdings, Inc. (NC)

XXXX XXXX accounts showing charge offs on my credit report, however XXXX has not responded to multiple attempts at verification of debt. I have even been hung up on in trying to request verification over the phone.
Consumer complaint received 2023-04-21
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-29
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 (SC)

Portfolio Recovery added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Portfolio Recovery has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2022-07-22
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. (SC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX Balance {$7200.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2023-10-18
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is been going on since XX/XX/2023 I HAVE GIVEN TRANSUNION ALL SUPPORTING DOCUMENTS TO DELETE THESE INACCURATE ACCOUNTS FROM MY REPORTS, LAST DISPUTE WAS SENT ON XX/XX/3023 BUT THEY LIKE TO PLAY GAMES AND DO NOTHING ABOUT IT. THEY SAID IN A LETTER THAT THEY VERIFIED, BUT WHEN ASK TO SUBSTANTIATE THEY NEVER DO.. PLEASE HELP ME. I FEEL THAT TRANSUNION IS TAKEN ADVANTAGE OF ME. nothing gets verified. transunion just likes to laugh at The FAIR CREDIT REPORT ACT...
Consumer complaint received 2023-04-08
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX  XXXX Balance : {$19000.00}
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Security National Financial Corp (AL)

My mortgage was originated in XXXX of XXXX at SecurityNational Mortgage. Shortly after that my family had a hardship that qualified for forbearance. The only reason we entered into the forbearance with the servicer at that time was because we were told on multiple occasions that at the end of my program we would be given 3 different options for repayment. The one i had chosen was to have my past payments pushed to the end of my loan and begin making updated monthly payments that would include the increased escrow shortage amount. 3 days prior to the expiration of my program i was informed while calling in to set this up for reinstatement that my loan had been sold to another servicer ( back to SecurityNational Mortgage ) and they were completely unwilling to help me. I was BAIT AND SWITCHED and forced into a forbearance with options and then all of that was taken away from me and now foreclosure has been threatened. As you will see i have made multiple pleas and attempts to work this out with the company and even emailed the President and CEO and still can not get understanding for the BAIT AND SWITCH hardship they have caused me by their deceit and lies with the forbearance practice.
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Collection Agency, Inc. (CT)

Hello, Im shocked, surprised, stressed out both XXXX and XXXX to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently mailed you a letter disputing items appearing on my credit report, which you maintain. Your response to my letter was to deem my letter " suspicious '', implying it was not written by me and furthermore in a threatening to report my letter to law enforcement and/or state and federal regulatory agencies. Your response is ludicrous. 
Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed. Please remove the following items : 1. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Other information I would like changed XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # 1937, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (AL)

Unauthorized transaction on Cash App card. I tried to address this with cash App and they haves refused to clear up problem. Their response is that I must have done it. The amount in dispute is only {$20.00}. However, whomever, accessed my account my try to get more cash.
Consumer complaint received 2020-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

I paid off my mortgage with Nationstar Mortgage LLC, dba Mr. Cooper on XX/XX/2020 via wire transfer. There was an overpayment of principle and an escrow account associated with the account totaling almost {$4000.00}. Nationstar acknowledges that the loan is paid off, but will not send back, or even give any helpful guidance, about the disposition of the funds it owes back to me. It is now XX/XX/XXXX, and they are still holding my funds, and refusing to respond to inquiries I've made, in writing and over the phone, for the exact amount they show is owed back to me, and when the funds will be sent. They have said " we don't know '' when asked the amount and I have received XXXX different answers ( from XXXX business days to XXXX business days ) regarding the time line. In this day and age of electronic record keeping, etc, it is not FAIR or REASONABLE that they are holding the funds, and claim to be unable to even provide details on the mater 23 days after accepting the wire transfer payoff.
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2022. I received a response with an itemized list of charges they claim I owe. I then mailed a second letter validation letter, which they received XX/XX/2022. 
I have given well over 30 days for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (IL)

On XX/XX/2022, XXXX charged my PayPal Debit card for two product renewals rather than the one due ( {$71.00} approx. ). I asked them for a credit. XXXX issued a credit ( {$71.00} ) through PayPal but PayPal never deposited that back to my account. 

On XX/XX/2022 XXXX ( my bank ) issues a temporary credit for the entire amount for XXXX products from XXXX ( {$260.00} ) On XX/XX/XXXX, XXXX finalizes the credit agreeing with me. 
In the meantime PayPal has suspended my card usage. 

On XX/XX/XXXX XXXX attempts to renew XXXX XXXX XXXX and the charge was denied by PayPal. 

I have tried to resolve the issue on the PayPal website but it never goes through and no explanation is given as to why. I've tried calling them but nobody picks up a phone- it's just a bunch of recordings. 

I have tried to change my payment method on XXXX and I did give another debit card but for whatever reason they keep trying to use the PayPal debit card. You can not reach XXXX by telephone. 

I do not want to lose the XXXX products as I am self employed and need those products to conduct business.
Consumer complaint received 2020-12-23
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies.