davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

I recently turned XXXX on XXXX XXXX. After logging in to check my credit. I noticed a dent on my credit posted and says opened XX/XX/2020 I was only XXXX years of age then. I contacted this business paramount recovery to inform them that it was not my debt and i was not of legal age to have a binding contract with anyone I was a minor when this debt was said to have been opened and posted to my credit which is Illegal. Was told it was mine and to pay it.
Consumer complaint received 2020-04-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (VA)

The Hunter Warfield collects the money for The XXXX at XXXX XXXX. The XXXX at XXXX XXXX was greedy and expected me to pay more. Based on the contract, the XXXX Landlords duty did not complied with the building and housing codes. 
The mechanical room came out somethings has damaged the carpet. See the picture XX/XX/19. The water of the old plumbing system was very dirty, and not sanitized. See the picture XX/XX/19. These unsafe conditions were affected my health and made me sick. I had to suffer to stay there for 3 years. The XXXX Landlord knew these serious conditions and pretended to do the renovation. The XXXX Landlord sent the threatening letter and forced me to pay more or move out with a short notice dated XX/XX/19. The XXXX Landlord forced me to move out for their repair on XX/XX/19.
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

All three bureaus are INCORRECTLY reporting me as being late with my XXXX XXXX XXXX XXXX account ( XXXX XXXX. 

Each of these bureaus are reporting me as being late or delinquent and I have never been late or delinquent. I have proof directly from the creditor which is attached. This just goes to show you that all 3 bureaus are reporting false information to simply damage someone's credit. 

I need this account to be updated with all 3 bureaus immediately and a brand new credit report to be sent to me for confirmation. 

This is getting ridiculous the way they violate the law. ATTACHMENT SHOWS THAT THE CREDITOR FIXED THIS BUT THE BUREAUS ARE NOT FIXING IT.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MA)

In addition to a false 1099A for the HELOC being sent to me, on XXXX at XXXX, I spoke to XXXX XXXX XXXX her client Chase, their legal representative. I told her I believe because of all of the illegal attempts to terrorize me emotionally and financially to incur XXXX XXXX/XX/XX/XXXX that her client Chase is trying to XXXX  me with the side affects to my health and financial life. 

She told me that " they are not trying to XXXX  you, they are only trying to get you out ''. Recently please refer to CFPB complaints # XXXX and # XXXX false information has been and still is being put into the three credit bureaus damaging my credit already attached in the CFPB files. Chase is also currently trying to foreclose on a HELOC non existent account that was said to be extinguished with the first illegal non negotiable account. The Chase attorney is responsible for all of this criminal activity against me. 

This is NOT a duplicate complaint this one Adds to the criminal acts against me. The crimes I am referring to are in fact as follows : Credit reports are binding. 

" A third party loan servicer may not use unfair or unconscionable means in servicing any loan. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.21 : ... ( 6 ) Knowingly or recklessly providing inaccurate information to a credit bureau, ''
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (TX)

I have been a bluebird American Express client for years since 2013, out of the blue my account has been permanently suspended when I call to ask and find out why nobody can tell me any information about why but I have to write a letter to the Amex Bluebird address Ive done that multiple times over the years to try to receive my money which is the remaining balance in my account {$420.00} Im to the point now its just too stressful its been almost 3yrs now and still hadnt gotten a response or check with my balance but I get alerts thats shows my balance still till this day can anyone help me please i dont know what else to do
Consumer complaint received 2020-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

30+ days ago I called XXXX XXXX XXXX fraud department  at XXXX to inform them a hard inquiry listed on my transunion credit report do not belongs to me or was made fraudalent. The agent told me they will notify transunion to delete this hard inquiry.Today I call this bank again to check why this hard inquiry is still listed on my credit report, another agent tell me the same story once again, that they will notify transunion to get this inquiry delete. I ASK FOR CONFIRMATION NUMBER OR A LETTER AND SHE DENY MY PETITION.
Consumer complaint received 2020-03-20
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. (KY)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Consumer complaint received 2020-01-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

I got a call from XXXX ( XXXX XXXX XXXX. I called the number to see what the call was about. The man I spoke with did not let me get a word in, I explained that this debt was paid and it reflects on my bank statement. This same number has called my mother and aunt several times. I tried to talk with this place to get to the bottom of the issue and they are very aggressive, and yell in the phone and ultimately end up hanging up on me. They REFUSE to express who they are or provide proof of the debt. They refused to give me an address or a name to the company yet they continue to call me. Please help!
Consumer complaint received 2020-04-25
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: Experian Information Solutions Inc. (MS)

XXXX, XXXX  AND EXPERIAN IS REPORTING A BANKRUPTCY ON MY CREDIT REPORT. ACCORDING TO THESE BUREAUS, THEIR INFORMATION CAME FROM XXXX XXXX. I HAVE A LETTER ENCLOSED THAT XXXX XXXX COULD NOT VERIFY THE ACCURACY OF THE REPORTING IN THE BANKRUPTCY LISTED ON MY CREDIT REPORTS. I HAVE ATTACHED XXXX XXXX LETTER SAYING THEY COULD NOT VERIFY
Consumer complaint received 2023-01-22
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: TrueAccord Corp. (GA)

On XX/XX/2023 I sent True accord received a cease and desist letter from me instructing them to cease all communication with me which includes emails, letters, phone calls etc..I also sent them an invoice for {$3000.00} for 3 Fair Debt Collections Practices Act violations. On XX/XX/2023 at XXXX True accord contacted me after they had received my cease and desist which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

They contacted me for a reason outside of these 3 reasons which is a violation also.
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 — Account information incorrect
Company: MoneyLion Inc. (MI)

Back in XXXX XXXX of XXXX I opened a credit Builder loan through money lion financial institution. I opened the loan with an initial {$650.00} that was immediately taken out of my account I made my first payment of {$22.00} and they refunded me {$100.00}. The agreement was for every payment I made {$100.00} would be released. I defaulted on the loan but because it was prepaid there is a {$400.00} XXXX XXXX my account States the {$400.00} was put back into my bank account and on the financial page it reads XXXX payments were made of {$510.00} make a payment now however, they also submitted the loan to collection agencies and our demanding payment of {$110.00} stating the {$400.00} XXXX paid off the rest of the loan. When this loan was reported to the Credit Agencies my credit score was at XXXX within a month it dropped XXXX points. I have went round and round to no avail I also woke up one morning last month with a {$10000.00} balance in my Roar money account also known as my spending account {$50.00} on my credit account {$20.00} on my XXXX XXXX  account and 10 on my investment and crypto accounts I wasn't able to access the funds that day I figured they were processing however the following morning when I attempted to use some of the funds they were gone vanish. I called customer service and she said it must have been a glitch this makes me nervous because I had been waiting on some direct deposits and have yet to see any of them. It also appears they have an investment account a crypto account and a round off account that I am unable to access. I know there is money there because I have not made a deposit or an expenditure more than a XXXX XXXXXXXX in 3 months and the account would not remain open if that were not the case. I hope that you can help me in this matter I'll be looking forward to your email and I will be looking forward to cooperating fully. I have screenshots and photos of proof if and when you need them.
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: Experian Information Solutions Inc. (GA)

To whom it XXXX concern over the past year i have reached out to XXXX XXXX XXXX account # XXXX in regards to furnishing inaccurate information on my consumer report. I also have sent them certified mail on mulitple occasions supporting my claim that this was not in fact my account i was recently released from the XXXXXXXX XXXX XXXX XXXXXXXX of 2021 and have submitted all the necessary documents to support that claim to prove i did not or have any knowlegement of this open account being i was incarcerated at the time of this being open. I submitted documentation that shows XXXX XXXX XXXX to be in violation of according to the Consumer Law & The Fair Credit Reporting Act, 15 U.S.C. 1681. All I ask is for this company acknowledge the violation and correct it before additional steps are taken. They have recently furnished information attaching an employee name on my consumer report which is in violation as well I am demanding this company remove this account asap.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I logged into my Capital One Account and noticed that the company closed two of my account with Open balances. I called the company and they advised me that they closed my account due to usage violations that are against Capital One 's Customer Agreement. I called them and explained that the adverse action they took against me violates my rights Under The Equal Credit Opportunity Act Section 1002.5 ( a ) ( c ). This states that IN THE ABSENCE OF EVIDENCE OF THE APPLICATS INABILITY OR UNWILLINGESS TO REPAY, they can deny me an extension of my credit. I have provided proof and documentation that shows I have never been late or missed a payment. Capital One also violated The Equal Credit Opp. Act Section 1002.5 ( a ). I requested my Credit Card Terms & Agreement Via internet Also by phone and was denied access. Capital One is in Violation of the Truth in Lending Act 15 USC 1602 K. Capital One never gave me adequate notice of the pertinent fact of the agreement that are clear a conspicuous and because of their failure to do so I couldn't understand its meaning. Capital One is in Violation of the Truth in Lending Act 15 USC 1601 ( a ). Informed use of credit. Capital One Failed to send a disclosure document that informed me of the cost of credit. Capital One is in Violation of The Truth in Lending Act 15 USC 1602 ( p ). I have not benefitted from this transaction with Capital One in any way. I have provided Proof of all claims and seek remedy.
Consumer complaint received 2020-04-25
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: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX : disputes were filed with XXXX, XXXX  and Experian regarding 4 bankruptcies that are on my credit report. 

Reported by : USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Chapter XXXX reference # XXXX filed XX/XX/XXXX Chapter XXXX reference # XXXX filed XXXX chapter XXXX reference # XXXX filed XX/XX/XXXX Chapter XXXX reference # XXXX filed XX/XX/XXXX After filing multiple disputes online and getting a response that it was verified, I sent out 609 letters to each bureau on XX/XX/XXXX, requesting the credit reporting agency to send verification on how the bankruptcy court reported this information. I have not heard anything back from either credit bureau. 

I contacted USBK COURT XXXX WISCONSIN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX on XX/XX/XXXX and requested information regarding the courts procedures for reporting information to credit agencies. I got a letter back dated XX/XX/XXXX stating the court does NOT report information to ANY credit agency. 

Therefore, I believe these 4 bankruptcies should be deleted from my credit report due to the " reported agency '' not reporting this information to the credit agency.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AR)

PayPal accounts breached in a credidential stuffing attack on XX/XX/2023. 

Receiving repeated fraudulent emails to my PayPal account email from XXXX. 

Because email was from PayPal.com, and because I had no notice from PayPal of the breach, I called the phone number provided in the email. I hung up after they answered the call stating " excuse the call '' but now getting fraud emails and phone texts daily from the hackers of PayPal.

Called to report and over thirty minutes with Synchrony Bank representative plus two different PayPal representatives. They minimized the problem and stated they were aware of the problem, but not to worry, yet I continue to get notices from XXXX XXXX XXXX XXXX of requests for payment from my account for purchases that I have not made. 

Requesting all protections to my credit and identity theft protections provided under the laws of the United States and all applicable states due to the breach of security at PayPal ASAP!
Consumer complaint received 2020-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

I contacted XXXX c/0 PHH Mortgage Services XXXX. XXXX XXXX XXXX  XXXX, NJ XXXX by phone regarding a letter I received from on XX/XX/XXXX that suggested they haven't received several mortgage payments since XXXX, XXXX. The person I spoke with was no help, but suggested I fax to them copies of certified checks that were mailed to them. This company has a history of mailing notices that my mortgage is delinquent when it isn't. I wrote to CFPB in XX/XX/XXXX to complain about these practices and the complaint was investigated, but here we go again. The person I spoke with at PHH stated that nothing can be done until they receive faxed copies of my payments. One of many questions I have about this continued nightmare is how is it fair practice to constantly badger me to send copies of checks they have cashed? I have been in my home since XXXX and badgered by one mortgage company after another that implied they weren't receiving payments. Before PHH it was Ocwen, before them was a trail of suspicious companies ; beginning 23 years ago I believe with XXXX, then in no particular order, XXXX XXXX, XXXX, XXXX XXXX and probably one or two others. My argument is this ; I make my mortgage payment on the first of each month and it is not a delinquent account. I am so sick of these people I don't know where else to turn.
Consumer complaint received 2020-04-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

I payed my XXXX XXXX and XX/XX/XXXX payment on XX/XX/2020. I no my XXXX payment would be 30 days late, but my XXXX payment was payed within 30 days which was payed on the XXXX of XXXX. I file a dispute with XXXX  credit reporting agency which they refuses to correct. Please explain to them that my XXXX payment was payed on time within 30 days.
Consumer complaint received 2020-01-16
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. (CO)

XXXX  and Transunion are incorrectly reporting a collection on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have been served regarding this account and the account is also currently being reported on XXXX XXXX and consequently should NOT be reporting on my credit report. I was also told this collection account would not appear on my credit report. I was not aware this account was showing as a collection until I obtained a current copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (CT)

I was served with papers to collect over {$6000.00} on a Citibank card I never had. I called the firm representing Citibank, XXXX XXXX  XXXX, and informed them it was not my debt. The attorney, XXXX XXXX, told me he would ask his client for copies of the statements as all statements attached to the complaint lacked what the {$6000.00} was spent on. I received a letter from Citibank asking me to circle the disputed charges on the statements I had and return to them. I wrote back via trackable Priority Mail that I did not have any statements to do that to, as all of the statements attached to the complaint were empty of purchases. Citibank then sent me a letter stating that because I didn't circle which purchases weren't mine on the statements, they concluded the purchases weren't mine which is disengenous to say the least since I never had them.

I am beginning to suspect that Citibank has no records related to why I supposedly owe them $ XXXX.