davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
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. (MD)

Ive applied for mortgage loans and have been denied several times. Transunion continues to tell me to call my banking agency and my banking agency says that they report within 48 hours of statement close. My credit score has been affected as well as my eligibility for certain products. My XXXX credit card has a XXXX balance, XXXX XXXX checking line of credit has a XXXX balance and my XXXX XXXX  cash rewards card has a XXXX balance.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I know that credit reporting agencies supposed to report only 100 % maximum accuracy items. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. I called the courts in my state, and they stated the dont report anything as the furnisher so THE XXXX BUREAUS are committing forgery fraud and will be reported to the authorities for that. 

Bankruptcy XX/XX/XXXXXXXX Reference # XXXX XX/XX/year> Bankruptcy : XXXX XXXX Reference # : XXXX XX/XX/year>
Consumer complaint received 2021-04-27
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ascendium Education Group (AZ)

I've received a letter from Account XXXX XXXX XXXX who claims that Ascendium has authorized my employer to resume garnishment of my wages for my Federal Student Loans. 
XXXX XXXX has extended the pause on Student Loan payments and collections activities until XXXX, XXXX. I've previously had no dealings with this company and I want to understand how they're able to commense collection on a debt that I've been paying through payroll garnishment by the dept of Education until the original pause in XXXX of XXXX. 
The copy of the letter I received was sent to my employer and is dated XX/XX/XXXX Please advise what recourse I have in this matter.
Consumer complaint received 2021-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

Mr. Cooper recently purchased my mortgage from XXXX and they have owned my mortgage for 3 weeks. In that time they have auto debited my checking account 4 times, withdrawing an entire mortgage payment each time. I tried to contact them via their secure message center, their customer service phone number and their social media page and did not get a reply, let alone a resolution. My account was overdrawn by over {$4000.00} and I had nothing but a credit card for groceries, a car payment, bills and daily expenditures. They finally made a statement on social media that their payment vendor had an issue. Still no resolution. Still no direct contact. Still no refund and there isnt a thing I can do about it.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2021-04-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2019. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605 and Capital One Auto Finance was then given my information without my consent or permission then they took my information and opened a loan and began to violate 15 USC 1692e because they falsely represent the status of a debt they failed to provide authentic documentation which clearly indicated no such matter existed they then repossessed the vehicle in which they clearly had no intrest in pursuant to 1692e and furnishing fraudulent documents defined in 8 USC 1324c.r,15 USC 1692j identity theft reported to the Federal Trade Comission report Number XXXX XXXX Lien search was done Name dosent come up with a lien complaint was filed to the nys attorney general Intake Reference Number is # XXXX
Consumer complaint received 2021-04-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (PA)

I am recieving a bill from a collection agency from XXXX in the amount of {$480.00}, this bill is because they say I didn't turn in my phone when I changed services I disputed this and got negative results. 
I did turn in that phone and being XXXX I never asked for a receipt. But I was not offered one at the time and thought it would be taken care of. 
I believe one of employees may have taken the phone because when I contacted XXXX they had no record of this. I don't know what to do. I don't want to pay this bill, it will be paying for something twice. What are my options
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax 's refusal to comply with this law is a clear violation of my consumer rights.
Consumer complaint received 2024-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Neon Newco Corporation (NJ)

Ive made excessive reports on my money being stolen out of my account from XX/XX/year> up until XXXX had contacted customer support multiple times asking can their company which is NetSpend blocked and cancel the card and also the merchant so I wouldnt have to worry about the scammers stealing from me again and they failed to do so, letting scammers take approximately {$3700.00} dollars from me. I have proof of me complaining to netspend since I first realized I was being robbed and they didnt do anything to help me, I couldnt buy my daughter a XXXX XXXX due to this inconvenience and these guys obviously dont care. When I filed the dispute to get at least provisional credit NetSpend closed my account for suspicious activity and said I was no longer getting any provisional credit when Ive been telling them there was suspicious activity going on from the beginning. The NetSpend bank mentions its insured by FDIC which my money shouldve been insured but it wasnt. Can you guys please help I have proof of everything I am saying, thank you
Consumer complaint received 2021-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021 I received a letter stating my XXXX credit card account was closed due to lack of real estate which makes no sense since i didnt have real estate when i got the card. No other notice or warning - and now my {$5000.00} limit is gone and my credit report shows account closed by guantor which hurts my score overall.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I have been a victim of identity theft. I have already notified the authorities and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the following accounts from my credit report immediately. I didn't give permissible to furnish my information there's no reason for none of that derogatory information to be on there. 
FCRA section 604 ( a ) ( 3 ) 15 USC 1681 ( b ) 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) As you know it is against the law to report any information not proven accurate. 809. Validation of debts_ [ 15 USC 1692g ] Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA you must remove the account from my credit report immediately
Consumer complaint received 2021-04-27
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. (MD)

I have XXXX XXXX  XXXX and Private insurance insurance thru XXXX on my mothers policy however XXXX XXXX  is reporting a medical bill in the amount of {$610.00} pastdue. The Date Updated was done on XX/XX/XXXX just because I called and asked about the account. The Last payment made was listed as Last Payment XXXX XX/XX/XXXX however they claim the account was opened on XX/XX/XXXX which means that this account was opened after the last payment was made which makes no sense. Also, the are listing the High Balance of {$440.00} but the past due amount of {$620.00}. XXXX XXXX has placed this item on all 3 of my credit reports and refuse to remove the account even though they never attempted to bill my insurance company.

Original Creditor XXXX XXXX Past Due {$620.00}
Consumer complaint received 2021-04-27
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. (KY)

I noticed on XXXX that XXXX XXXX - Account number - XXXX is being reported on my Equifax Credit Report twice, as having a {$2900.00} balance as well as a {$2900.00} balance. It is also being reported as Date Opened on XXXX as well as Date Opened on XXXX. I sent a letter to Equifax on that day disputing this information. I received a letter back saying that the information was verified as accurate from Equifax a couple weeks later. I sent Equifax a second letter on XXXX with a copy of my credit report and highlighted the duplicate entry of XXXX XXXX on my account and the different amounts owed, dates opened and status dates. It has been over 30 days since then and my credit report for equifax still shows the same duplicate entry of XXXX XXXX - Account number - XXXX.
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I have a collection on my credit that was taken care of years ago by the original creditor. The original creditor has deleted the account and sent a letter that after they investigated it they deemed it fraud. Now, years later as I am set to close on a house next week, I get hit with a collection agency for that same account. They said it will take 90 days to investigate and refuse to provide a letter to help me close on my house. This account IS NOT MINE!! I have attached the letter from the original creditor.
Consumer complaint received 2021-04-26
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: MUFG AMERICAS HOLDINGS CORPORATION (WA)

An unauthorized charge was made on my Union Bank debit card with XXXX in the amount of {$1900.00}. I called XXXX and informed them. The representative asked if I had an account and I said no. He then asked for mu address and birthdate to verify that it was not I that placed the bet. I gave him that information. He said the bet would be placed on hold and someone would call back in 24 hours. I then called Union Bank and alerted them. The debit card was cancelled and a credit of {$1900.00} was placed back into my account. When Union Bank contacted XXXX the agent stated that it had my address and birthdate, thereby saying it was used in the transaction. By asking for my address and birthdate initially, the XXXX representative was not trying to verify if I had an account but rather to limit their liability of having to refund the {$1900.00} to Union Bank. I am out the money and they have my personal information. Union bank refuses to refund the {$1900.00} to me, even though they know I did not authorize the transaction.
Consumer complaint received 2021-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (AZ)

My home burned down in the XXXX XXXX fire in XXXX XXXX Colorado on XX/XX/2020. I have my loan through Quicken Loans # XXXX. They sent me a letter saying that they were going to place a " lender placed '' insurance policy on my property if I did not provide the claims settlement letter from XXXX XXXX at a cost of over {$10000.00}. XXXX XXXX finally sent me the settlement letter just shy of six months from the date of loss. I asked XXXX to accept some other form of proof or even call the XXXX XXXX XXXX. They would not accept anything but the settlement letter. Now I have submitted the letter and reconstruction estimate through several portals that they have and they do not find it. This is beyond frustrating. I have several concerns : Quicken Loans should not be able to put or sell insurance on a property that is not there. I believe it is incumbent on them to do reasonable due diligence on their own to determine if the home is a total loss ( contact the authorities, the HOA, disaster officials. The fact that my home burned down is a well know fact in the county ( along with about 300 others ). They have raised my payment from {$2000.00} to over {$4300.00}. This is beyond unconscionable. 

Quicken should listen to what people are saying instead of following corporate protocol. This is very simply common sense. They should be able to fix this issue in one day. 

I think the CFPB should take action against companies that have these heartless and insensitive tactics. If this isn't illegal, it certainly should be.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have XXXX XXXX  XXXX and Private insurance insurance thru XXXX on my mothers policy however XXXX XXXX is reporting a medical bill in the amount of {$610.00} pastdue. The Date Updated was done on XX/XX/XXXX just because I called and asked about the account. The Last payment made was listed as Last Payment XXXX XX/XX/XXXX however they claim the account was opened on XX/XX/XXXX which means that this account was opened after the last payment was made which makes no sense. Also, the are listing the High Balance of {$440.00} but the past due amount of {$620.00}. XXXX XXXX has placed this item on all 3 of my credit reports and refuse to remove the account even though they never attempted to bill my insurance company. 

Original Creditor XXXX XXXX Past Due {$620.00}
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I made a purchase on XX/XX/XXXX to XXXX XXXX, I paid for a authentication service and encasing for a collectable, received my item back from XXXX ONLY to find out that it was not encased and was not given a grade, I disputed the charge on XX/XX/XXXX and submitted photos to my bank
Consumer complaint received 2021-04-26
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. (TX)

I have sent numerous dispute requests to XXXX, XXXX  and Experian to remove the addresses that I am not familiar with and do not belong to me. I have sent off this request every 30 days since XX/XX/2020, I have attached my license, ss card, utility bill and bank statements to show my correct address which is : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX I need all other addresses that are not related to me removed from my XXXX, Experian and XXXX reports.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am submitting this complaint against XXXX, XXXX, and TransUnion for their ongoing and unjustified reporting of a disputed debt claimed by XXXX XXXX XXXX. Despite filing two previous complaints against XXXX XXXX XXXX, they have persistently failed to provide the necessary documentation to validate their claim, such as the Assignment Transfer or a valid contractual agreement with the alleged original creditor, XXXX. This failure to comply with legal requirements raises serious concerns about the legitimacy of their actions. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am entitled to a thorough reinvestigation of any disputed information on my credit report. Given that XXXX XXXX XXXX has not met their burden of proof by providing the required documentation, this account should not continue to be reported on my credit file without proper validation. By continuing to report this unverified debt, XXXX, XXXX, and TransUnion are in direct violation of the FCRA 's requirement for accuracy and completeness in credit reporting. Their failure to ensure that only accurate and substantiated information is reported reflects a serious disregard for their legal obligations. Furthermore, XXXX XXXX XXXX 's repeated failure to provide verification of the debt upon request, as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), necessitates immediate and decisive action. XXXX, XXXX, and TransUnion, by continuing to report this disputed debt, are complicit in perpetuating these violations and must be held accountable for their role in this matter. Additionally, I believe there are potential violations of the Internal Revenue Code ( IRC ), specifically IRC 6050P, which mandates the issuance of a 1099-C form if the debt has been forgiven or settled. Any inconsistencies in the reporting of debt ownership or false statements regarding the value or transfer of the debt could also constitute a violation of IRC 7206. These issues warrant further investigation, including by the IRS, into XXXX XXXX XXXX  tax reporting practices. 
Given the persistence of these violations, I am demanding that XXXX, XXXX, and TransUnion immediately cease reporting this debt on my credit file until proper validation is provided by XXXX XXXX XXXX. If XXXX XXXX XXXX can not provide the legally required documentation, this account must be removed from my credit report without delay. I am invoking my rights under the FCRA, FDCPA, and relevant sections of the XXXX, and I request that the CFPB enforce compliance with these laws. Failure to address these ongoing issues will result in further escalation to other regulatory bodies, including the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ), to ensure that my rights are protected. Thank you for your attention to this urgent matter.