davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (VA)

While reviewing my credit report onXX/XX/XXXX, I noticed a closed account from Swiss Colony/XXXX with a balance of {$110.00} that did not belong to me. I disputed the account with all 3 credit bureaus and in addition, onXX/XX/XXXX I sent in an affidavit along with the claim to the creditor itself. On XX/XX/XXXX, I called the creditor to inquire about my claim and was told I would be contacted within 15 days regarding the claim. I have yet to hear from the creditor in regards to my claim, but I have contacted all 3 credit bureaus and have been told that the creditor has reported the accounts to be verified. The creditor has not provided proof of ownership the account, and I have learned the creditor has recently reported bogus addresses to XXXX that do not belong to me which is illegal and improper practices.
Consumer complaint received 2017-07-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Russell Collection Agency, Inc (MI)

Russel Collection Agency in XXXX MI has reported 4 accounts to my XXXX credit report. These four accounts appear to be from ONE medical bill but have duplicated as 4. They refuse to provide me proof that I in fact owe this debt. I do not recall ever using the services of the XXXX XXXX XXXX that they are collecting for. I have sent multiple requests in writing to them asking for debt verification and proofs to be sent to me. I have not received anything back from them. I had never received a bill or anything from the XXXX XXXX XXXX. My medical insurance would have paid the bill had a bill ever been sent out to me or my insurance. I would also like to point out if someone did have a bill with this medical center it would be ONE account and not FOUR as was reported to my credit report. I have also filed Bankruptcy and since they would not send verification of this debt or remove it from my credit report it was added into my bankruptcy. So the account shows a XXXX balance on my credit report HOWEVER it is still showing up as FOUR collection accounts and as an open file. Since I filed bankruptcy the file would be closed. I do not owe this debt and it is not right for them to continue to report that I do and refuse to provide me with proof and refuse to remove it from my credit.
Consumer complaint received 2017-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (GA)

I initiated a transaction of $ XXXX/- from my XXXX XXXX XXXX Account to XXXX bank account on XX/XX/XXXX and was promised money will be deposited on XX/XX/XXXX But I did not see money until now, when I called Western Union about this, several time ( 6-8 times ) I always got different answer and no one tried to help me with my money I do not know where is my money and how will I get it from western union They do not call or send email on its status
Consumer complaint received 2017-07-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: STATE EMPLOYEES CREDIT UNION (NC)

My bank denied me a small loan to have my car repaired but yet they still are taking money out of my account and I have n't driven my car since  XXXX   XXXX   2017 ! They gave me the run around for 2 months I was promised help and did not receive it. I 've given them quotes and everything that they have asked for yet I 'm stuck with a car payment for a car that is not in my possession. And at this point my car is considered lost/ stolen because the tow company have seemed to " Misplace my car '' how do you misplace a  XXXX  I will never know
Consumer complaint received 2017-07-13
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. Auto Sales Inc. (GA)

Update for OBM 3170-0011 XXXX I initiated a meeting with XXXX from US Auto Sales months ago, to settle this matter out of court. She said fine she would call with a date and time. Since then, I called US Auto Sales on XX/XX/XXXX at XXXX XXXX asking for a payoff amount. On XX/XX/XXXX my vehicle was repossessed. without warrant. I 'm pretty positive XXXX had something to so with this. XXXX told me we would settle this issue and I was n't making anymore payments till then. I have never been late since my contract started! I have always paid on time, and they ruined my driveway, tore up the entire right side of my yard. Now, I still have n't closed on the property and it 's in Underwriting. 
Her neglect has impacted my well-being. The stress in unbearable, affecting my health issues. They took my vehicle to the Auction the same day. I also asked XXXX who her Superior was and she refused to tell me, stating she did n't have one.
Consumer complaint received 2017-04-21
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CURO Intermediate Holdings (TX)

Second complaint on  XXXX   XXXX   XXXX   XXXX . We have not disputed that they step out of the Federal Credit Reporting Act Guidelines and reach out to speak to a person that I never worded that was my retained attorney I received my private verification from my friend that is a lawyer. The contract that did n't exhibit my true signature for a loan from  XXXX   XXXX . My private information was sent to a person that I did n't acknowledge I gave POA to or retained I did received the information. How did  XXXX   XXXX  send a letter verifying my 30 days on the debt on  XX/XX/XXXX    but placed the actual debt without verification on my report  on  XX/XX/XXXX ? Sin ce I have filed this compliant  XXXX   XXXX  has placed this on all  XXXX   XXXX  reports after violation of the Federal Reporting Act and sending information that they need verification after they placed on my credit report in  XXXX .     I will file in  XXXX   County Court for f raudulent and misuse of T exas Debt Act an d violation of my privacy by contacting and sending my personal information to another party.
Consumer complaint received 2017-04-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CO)

I disputed a merchant charge on XX/XX/XXXX for {$1900.00} transaction date XX/XX/XXXX. The merchant failed to honor the contract to install a custom sliding glass door, leaving it installed incorrectly, incomplete, and unwarrantable. The merchant 's would only agree to fix and " reinstall '' the door, which is not warrantable based on the manufacturer 's warranty. I submitted ample documentation supporting this fact, and that the door is completely worthless to me and the amount should be charged back. I received a letter from Chase dated XX/XX/XXXX stating that their investigation learned that the merchant provided the product/service for which I was billed ( which is not true ) and that they considered the charge valid. This was the only explanation provided. I contacted Chase Cardmember Services and spoke with employees and supervisors for about 45 minutes. They could not answer any of my questions about the reasons that they did not advocate for their customer ( me ) over the merchant. All they could say is that the dispute had been closed, could not be reopened, and I could resubmit another dispute. I explained that resubmitting the same dispute would be counterproductive and could result in the same outcome. I told them I needed them to provide more specifics so I could understand why they did not advocate for my position, and provide any additional information to support my case if I had to open a new dispute. I also told them that I was dumfounded that they did not give me an opportunity to rebut any information they received from the merchant ( who has a history of lying ) before they closed the dispute against their good customer ( me ). The supervisor told me that they would send me a letter outlining the specific reasons that they did not advocate for me, along with any information received verbally or in writing from the merchant. It has been 4 weeks and I have not received anything. I also went to my local branch manager and they could not help me. They told me they reported this to the Chase executive office in NY, but I have not heard anything from them. I 'm hoping that a CFPB complaint will compel Chase to respond to their customer 's concerns.
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I have disputed addresses and names that are not associated with me and due to the fact of being associated with fraudulent accounts the information is confirmed correct by the reporting agency its only one name XXXX XXXX XXXX XXXX that should be associated with me as well as one address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX ) is the only address that should be associated with me
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, I 'm typing this email because I need your help, Chase has placed me under a short sale since last yea r (   XXXX    XXXX   ). a buyer made an offer and after several months waiting for an approval Buyer decided to move on.  <P/> So at that point we reach out to a back offer that was made and we submitted all documents. Chase told me that my application for a short sale will be reviewed with the new buyers offer.  <P/> After 7 months now waiting for an approval, Chase now decides to deny my application because they could n't identify me.  <P/> I was like what are you talking about??? Chase is now making excuses to foreclose on my home. I have asked them what do they need from me.  <P/> Chase keeps telling me that they do n't have the details but my application for a short sale is denied. Now I 'm at risk of getting foreclosed on just because  Chase  is playing games.  <P/> Please all I 'm asking is help to get this short sale completed, as it is I have to move out of the property and Chase keeps playing games with our home.  <P/><P/> Thank you  XXXX   XXXX
Consumer complaint received 2017-07-13
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: I.C. System, Inc. (CA)

Company has instilled fear within the consumer. Today the company responded to a earlier complaint stating that the matter was in past or present litigation. This caused emotional distress. I would like for I.C. Syste m to provide proof that this matter is in litigation or has been in litigation pertaining to this matter with  XXXX   XXXX . Please upload any and all past or active litigation documents that were the result of a case #.   XXXX  Thank You
Consumer complaint received 2017-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MT)

On XX/XX/XXXX I logged into my paypal account. I added an XXXX XXXX card and selected it as my primary form and default form of payment. I then sent my brother in law a gift on {$1200.00}. On XX/XX/XXXX in notice a insufficient fund fee to my bank account for {$29.00}. Paypal had switched my primary  payment from my XXXX XXXX card back to my bank account. I searched the paypal website for a method of stopping the payment, but could find no method. On XX/XX/XXXX I called paypal at ( XXXX ) XXXX and asked to switch the payment method back to XXXX XXXX card and stop from trying to withdraw from my bank account. The representative provided she could not stop the process and that they would try to withdraw funds from my bank account again. Once that was completed they would withdraw from my XXXX XXXX card. The representative stated she could see I had the XXXX XXXX set as my primary payment card when I submitted the payment and would send me a letter to provide to my bank to remove the fees. On XX/XX/XXXX they tried to withdraw the money again from my bank account resulting in another {$29.00} dollar fee. They billed my XXXX card instead of my XXXX XXXX. To date I have not received the letter the paypal rep stated was being sent. The process of sending a payment with paypal is absurd. It should be illegal for them not stopping the second withdraw against my bank account as per my request.
Consumer complaint received 2016-03-08
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Pinnacle Credit Services, LLC (CA)

Pinnacle Credit Services , LLC located at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX mailed me a fraudulent XXXX Tax Document which is bogus as I have never contracted with this company.
Consumer complaint received 2016-10-04
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (VA)

On XXXX/XXXX/2016 Bayview Loan Servicing became my new mortgage servicer. On XXXX XXXX, 2016, I received a welcoming package from same company that did NOT include a debt validation notice, as I understand is required by law under the FDCPA. I 've checked the front and back of the documents, which I have attached.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OR)

Someone stole my phone and changed my cash app information to theirs. I immediately alerted cash app and told them what had happened. I have sent multiple emails asking them to close the account, if they are unable to close it, to move it back to my name. I provided them with the information they needed for the person that stole the account including user name. I have been emailing them since beginning of XXXX. They continued to have a new rep respond each time and ask the same information over, and over. then I was sent an email that it would be resolved in 30 day they had a higher than normal volume of complaint. Now they refuse to respond to a single email, they wont tell me if the account is closed, where my stimulus check is. Nothing.
Consumer complaint received 2016-12-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Loan Payoff : Wells Fargo Bank loan was originally a XXXX Loan. XXXX received a loan for {$360000.00}. The loan was meant to pay off my existing first deed of Trust which was for {$170000.00} recorded XXXX. This {$170000.00} loan was never paid off, and still remains on the house. The house has been upside down since the initial refinancing of the house. Wells Fargo refuses to correct this error. 
Subordination : Wells Fargo has subordinated these two loans, putting the larger {$320000.00} ( Recorded XXXX ) one in first position, without paying off the smaller {$170000.00} Loan. ( recorded XXXX XXXX Thus the house was always upside down Duel Tracking : According to the California Homeowners Bill of Rights, they can not file a notice of sale until after the loan modification process is completed. The sale date has been set for XX/XX/XXXX. This sale date was set during the loan modification process as well as the resolution. 
Payoff larger loan : ( which was always in second position ) Wells Fargo has not satisfied my requests. I wish to stay in the home and modify payments.
Consumer complaint received 2015-06-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (PA)

I need the automated messages to stop calling me. It 's just a robot telling me to call them back whenever I answer the phone. 

I have no reason to take this seriously. Please remove me from your call-lists. 

I do not have an account with you. I do not owe you a debt. I am politely asking you to stop all calls immediently.
Consumer complaint received 2016-08-08
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Consumers Inc (VA)

I recently found out an unpaid {$450.00} from " United Consumers '' on my credit report. It turned out was an unpaid medical bill from a car accident of my niece. I have paid the bill right after I found it out the same day last week. And claimed the money from car insurance company. 

My question is this was billed since last year but I had never received any document/request from neither the hospital nor the collection company. Otherwise it was taken care of long time ago. So the debt was sitting there all these time and hurt my credit. I want the collection company to fix my credit ASAP because I am working on a finance my house right now. And I am having hardship to get my loan. 

Background : I had a car accident on XXXX/XXXX/2015 and my niece ( XXXX, XXXX, XXXX year-old ) was a passenger on my car. She got an XXXX at that time. I actually provided my address, phone number and SSN to the hospital at that time for her hospitalization. After the accident, I let my insurance company taking care everything related. 

When I called " United Consumers '', they have all my information correctly in there record. But I do n't understand, why they have never contact me for the collection by any means all these time, neither from the hospital.
Consumer complaint received 2016-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (CA)

We were behind in our mortgage payments. We submitted an application to " Keep Your Home California '' and we were approved. Our servicer submitted documents stating the amounts we were behind to XXXX they in turn wrote checks to cover the delinquencies, and bring our account current. My issue is with the servicer over charging XXXX. This also causes the lien on my house to be the wrong amount. I did a complete analysis of all of our late payments from the time this servicer took over our account, the difference is over {$10000.00}. There are also several other errors in our account that need to be corrected. I will be submitting XXXX letters all with documentation attached showing the servicers errors.
Consumer complaint received 2021-09-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX XXXX XXXX  rejected a {$75.00} enrollment fee, which I attempted to pay. Then, without any notification from them, they closed my account, continued charging late fees for 2 months and reported me as late payment, tremendously impacting my credit. I had never used the card, and was immediately hammered by this company because they don't communicate, and I believe this issue should be dealt with, along with removing the late statuses from my credit.
Consumer complaint received 2021-09-02
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. (TX)

FCRA VIOLATIOn ; not mine, please remove. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for Chapter XXXX Bankruptcy. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXXNever late. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Petition for Chapter XXXX Bankruptcy. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXXNever late. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXXNever late. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through Bankruptcy Chapter XXXX. 
Chapter XXXX bankruptcy XXXX Potentially negative Date Filed XX/XX/XXXX Court US BKPT CT TX XXXX
Consumer complaint received 2021-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

THERE ARE ACCOUNTS LISTED THAT SAY INCLUDED IN CHAPTER XXXX. ALL OF THESE ARE NOT ACCURATE AND NEED TO BE DELETED. I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU. 
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED. 
I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!