davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (FL)

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 XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2021-03-28
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. (NY)

I am filing a complaint cause there is an account reporting on my credit that was opened due to fraud. I have tried to resolve the matter directly with XXXX and have not been able to get the account removed from my file my social is XXXX i am attaching a copy of my police report
Consumer complaint received 2021-03-28
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: CREDIT ACCEPTANCE CORPORATION (AZ)

I reviewed a copy of my credit report and [ company name ] ran an unauthorized credit inquiry on me on XXXX XXXX. I contacted the company telling them I did not authorized the inquiry. 

I am a victim identity theft fraud, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
Consumer complaint received 2021-03-28
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: ALLY FINANCIAL INC. (FL)

On or about XX/XX/XXXX, I submitted a dispute with creditor Ally Financial through a credit agency. Notwithstanding the underlying dispute, Ally Financial disagreed with the dispute and instead alerted XXXX that the charge off that occurred in XXXX, actually happened in XX/XX/XXXX ( when they responded to the dispute ). As such, XXXX updated my credit report indicating the loan was recently charged off in XX/XX/XXXX, instead of almost five years ago in XXXX. They updated the entry to show this will fall off my credit report in XX/XX/XXXX since the charge off is dated XX/XX/XXXX. 

Clearly, this is erroneous as I paid this account in XX/XX/XXXX, and Ally Financial illegally believes there is still a balance on the account, which they charged off in XXXX. They do not get to update the account and erroneously state the charge off date to a date almost five years later. XXXX states they report exactly what the creditor told them to report and have no duty to check the information. As I informed XXXX  they have the credit report of the last five years and can see when the charge off occurred, without much research. XXXX has put in another dispute with Ally Financial to see how they respond. This is not sufficient, as Ally Financial continues to violate laws in error reporting to the credit bureaus.
Consumer complaint received 2021-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (PA)

As I the federal protected consumer, I entered a consumer credit transaction that was paid for with my open-credit plan which is my social security card, which used for household and personal use which is under the administration of the United States Corporation. They are responsible and liable for that's why the alleged debt shows in the positive of XXXX and XXXX. If it was in the negative it would show as XXXX and XXXX but it doesn't that's false belief in a natural person owing a debt when in fact it was a consumer credit transaction. They are furnishing deceptive forms in this corporation and need to be legally accountable for their actions. I demanding the agency to work with me the consumer under the guidelines Fair Debt Collection Practices Act and the Truth and Lending Act or else I will pursue federal litigation if needing re-enforcements on the facts of Federal Law.
Consumer complaint received 2021-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (PA)

On XX/XX/2021 I spoke to XXXX XXXX XXXX in regards to a bill that has been paid directly to XXXX XXXX XXXX. They stated they have removed authority from LJ Ross to collect on this debt and to report this debt. They have sent a letter to LJ Ross and to myself stating the debt was removed from them as it is paid in full directly to XXXX XXXX yet LJ Ross continues to report this debt on my credit reports. They do not have authority to report this debt.
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (SC)

I have received text messages past XXXX pm, which is unreasonable. I have unfortunately deleted most grievances regarding phone calls but I have asked them to stop calling my parents, and they have promised they would stop, only to continue, as well as calling me upwards of 5 times a day. I have spoken to them regarding the debt and asked them kindly to email me and stop harassing me but they refuse
Consumer complaint received 2021-03-27
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. (CA)

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$3300.00} {$3300.00} This account does not belong to me, this is an error, I have never had a XXXX account. This was already removed on XXXX and XXXX
Consumer complaint received 2021-03-27
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: BBVA FINANCIAL CORPORATION (TX)

BBVA refuses to remove {$190.00} worth of fraudulent charges on my credit card. 

Between XX/XX/21 and XX/XX/21, I had a total of {$650.00} in obvious fraud ( multiple transactions in XXXX XXXX XXXX ) post to my BBVA account that had a {$0.00} balance at the time. 

My card was in my possession at all times, and I nor anyone else make these charges, nor even have any idea what the companies are that were listed, nor ever recall buying anything in XXXX XXXX XXXX ) I don't know why ( if it was part of the scam ), but some of the {$650.00} in fraud was refunded a few days later, but it left me with {$190.00} in fraud on my card. 

I contacted BBVA to dispute, and was given a case number, and was assured they could see it was obvious fraud. I then received a letter dated XX/XX/21 that BBVA was refusing to credit me for the {$190.00}. My credit card now shows I owe BBVA {$190.00} which is wrong.

-- - Further, BBVA is incompetent and should be investigated by the CPFB. They do not allow any online way to dispute the transactions, and their fraud department is out-sourced with people who frankly have difficulty with the English language ( which likely means they didn't understand many of the points I was trying to make ). 

Worse, this is a MASSIVE DATA BREACH with similar transactions hitting multiple card holders that they should have been aware of, and through incompetency MANY people are having issues with BBVA fixing the problem. In fact, three members of my family wo have these cards got hit as well ( and likely filing their own complaints ) As an example, please review comments in these links, and look at your own database to potentially take action against BBVA for their breach and lack of interest in fixing : https : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

I am customer of XXXX, XXXX in XXXX  XXXX. Changed my home insurance in XXXX and I received a XXXX dollar check from old insurance which I immediately sent to XXXX to be applied to my escrow account. Instead it was broken up and applied to hazard insurance. As a result my escrow account was low and my mortgage was raised around 65 dollars. This increase is a financial problem for a low income XXXX senior on social security. First I was told they did not get the check and my bank and I had to prove they received it. I called many times, sat on hold for hours, spoke to XXXX, XXXX, and last week XXXX who hung up on me. I was told by all three and several more that they more doing a TICKET and the money would be put in the proper escrow account. Then I was told on XX/XX/2021 that they never received my XXXX payment even though I emailed them a copy of the check to the address they gave me. Then I was told the check had to be used to pay for XXXX 's payment. Of course I paid XXXX XXXX mortgage payment. This company will ruin my credit rating which is over XXXX as I try to figure out how to eliminate this company from my life. I am never late and I never have a late fee from anyone.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

I also want to inform you that you have indeed federally violated my consumer rights as a consumer. The federal law under the FDCPA stated as in order to disclose my personal information you have to have my written consent and also there is no disclosure with an opt in or option notice requirement which is under 15 USC 6802. There was never a disclosure that exercised my nondisclosure option for this reason you have committed a FEDERAL FRAUDULENT ACT by making me feel you were supposed to have my personal information which is unlawful making you liable also under the 15 U.S Code 1640 Civil Liability section. I also have the right to privacy as a consumer which is stated in 15 USC 1681 ( 4 ). You dont have the right to furnish my information on my consumer report stated by law. If you have the permission to furnace my report I need to see a contract with my permission that allowed you to do this in the first place so please produce a contract that granted you the permission to furnish my report & if so reply back in affidavit form and have a senior executive or yourself create an affidavit with it being notarized. If there is no permission consent delete the following accounts listed below.
Consumer complaint received 2021-03-28
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. (FL)

This account has been reporting on my credit report each month and the account has been closed and removed from my credit report months ago. For some reason its back on my report and they company is still reporting like account is open. Once item has been removed from credit report it cant be placed back on my report unless you send me proper documentation. I haven't received any documentation. I was in a car accident and the insurance company paid the car off and XXXX received the check and cashed it. Please remove this negative account as its in violation and can be litigated due to the violation. 

XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (GA)

OnXX/XX/XXXX there was a transaction labeled XXXX XXXX XXXX for {$5200.00} that was debited from a card I closed ending in XXXX, and the company sent me a new card. Stated the funds from old card were to be transferred. Received new card and couldnt transfer funds as funds were no longer there and a transaction labeled XXXX XXXX XXXX onXX/XX/XXXX with the funds that were in account. I called company and everyone acted oblivious as to where my funds were or would keep saying they would give me updates and nothing.
Consumer complaint received 2021-03-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (GA)

My wife and I have a first mortgage on a condo and have been in forebarance due to COVID. Instead of foreclosing, we have found a buyer for our condo and are supposed to close on XX/XX/21. Our closing attorney office has found that PNC has incorrectly filed the Deed paperwork for the second mortgage LOC that we paid off a couple of years ago, before the pandemic. Due to the incorrect Deed paperwork, we are unable to close and have spent multiple days trying to work with PNC to get the Deed paperwork filed correctly. PNC failed to identify the Tax Parcel ID, which was left blank, along with other errors. We expressed the severity of needing the corrections made so we can close on the condo property but PNC has not been responsive to our requests to correct the matter. This error has not only caused undo stress, but will also result in monetary penalties on my part due to their lack of accuracy and responsiveness. Our closing will have to be delayed and PNC representatives who have assured us the issue will be resolved have not responded as promised.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self credit builder account is reporting inaccurately. 
I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in the ( BALNCE ) & ( PAYMENT STATUS ) section. Equifax is reporting a balance of {$520.00} with a current payment status, XXXX is reporting a balance of {$240.00} with a current payment status and XXXX is reporting a balance of {$520.00} with a current payment status now all three of these balances cant be accurate. None of these balances are my current or accurate balance for this account. 

This account should be listed as XXXX {$140.00} XXXX. I have attached a copy of ( my self credit builder statement that proves your balance is in correct ). 


Thank you,
Consumer complaint received 2021-03-28
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. (PA)

The information currently reflecting on my personal credit from " XXXX XXXX  '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc. (TX)

A company called, Sage Stream, ( who I have never heard of before as they are not one of the major reporting credit bureaus ) sent me letter XXXX failing to put the proper address on it ) claiming I requested a security freeze on my consumer file. I NEVER REQUESTED ANYTHING FROM THEM AS I HAVE NEVER HEARD OF THEM BEFORE! How can I request anything for a company that I never heard of before prior to my last complaint? Why would I provide proof of address to a company that I have never heard of before and I have not had my credit pulled in almost 2 months. They send this 12 page letter with no substance, no report, just asking me to send them my personal information and I dont know who they are. Not doing it!
Consumer complaint received 2021-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Placement Services, LLC (WI)

Professional Placement Services , LLC Is reporting a debt as closed on my credit report. This debt was recently paid in full to the ORIGINAL CREDITOR in exchange for agreement to remove from XXXX XXXX report, and all three credit bureaus. Therefore Professional Placement Services , LLC should not be reporting anything to my credit profile.
Consumer complaint received 2021-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

My XXXX credit card appeared on Equifax then disappeared in XX/XX/XXXX. My pay receipts say I paid a credit card in full, on time. I wouldn't have a credit card unless to build my credit. Most if not all banks report a credit card to the credit agencies. Evidence available if needed.
Consumer complaint received 2021-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

requested assistance for a first time homebuyer down payment assistance mortgage after taking an 8 hour course for consideration and was told by XXXX XXXX XXXX Branch Manager NMLS # XXXX that she would complete my application over the weekend on XX/XX/2021 XXXX. after weekend had past no communication by XXXX. After informing XXXX I was shopping around for lenders she advised against it for impact to credit. Have not heard from XXXX since then. She goes as far as to say that she has Covid to imply that it has left her incapacitated to assist in completing an application.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (SC)

As checking my Bank Statement, I keep seeing charges from Experian on my statement, I have asked them to stop the charges or when you call it is only a message and can not reach customer service ... also On XX/XX/XXXX I called and they claim they can not refund charges and I have no clue on upgrading with them at all because if they CAN NOT return a consumers money I would have NEVER UPGRADED ... I keep in touch with my Bank for my Credit Scores and Reports ... All these credit companies are ripping of customers, because your score is different with each one ... I need them to refund .. All my money
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through XXXX XXXX is reporting inaccurately. You have a balance of ( {$99.00} ) of being owed and according to my records that amount is inaccurate. 
This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. 
I have attached a copy of ( my credit card statement that proves your balance is in correct ). 

Thank you,
Consumer complaint received 2021-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NH)

Wells Fargo is not a company that anyone should use for a home mortgage. I began the process in XX/XX/2020. They kept. asking for more and more information ; each time not giving any indication as to why. Of course, they got their initial fees right upfront. 

As the day of our closing neared, now FOUR months later, and they cancelled the loan due to a supposed problem with the new condos ' HOA insurance. The condo sales staff already closed 14 deals prior to ours. XXXX was the ONLY company that denied the insurance. Mind you, the agent called at XXXX on the Friday before our closing - very unprofessional. 

I can not get back the countless hours I spent getting the excessive information and the stress this company caused is unforgivable. 

If you have another choice, go with a company that cares about its clients and does not leave them in the lurch with no explanation and no apology. 

Since they wasted so much of time, rates increased and now I will owe {$44000.00} in extra interest over the life of the loan.
Consumer complaint received 2021-03-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management has acquired a debt I incurred with XXXX XXXX. I believe this is for a XXXX credit card account with XXXX  as the issuing bank. 

Due to loss of job and income shortly after the Covid epidemic began, I have been living entirely on Social Security for the past year. This is subsistence-level income and has caused me to default on debts that, until a year ago, were up-to-date. ( My credit score a year ago was around 775. Now it is below 500. ) In a letter dated XX/XX/2021, Midland gave me until XX/XX/2021 to settle the XXXX account or face " possible litigation. '' The amount demanded by Midland is {$7700.00}. My XXXX credit card had a credit limit of either {$2500.00} or {$3500.00} -- I do not recall which. Assume {$3500.00} for the moment. The account has been in default since sometime last summer. That's about 8 or 9 months. Even with interest and penalties, there's no way that a {$3500.00} original balance can more than double in less than a year. I believe {$7700.00} is a fraudulent amount. 

Midland has a history of such behavior, for which CFPB has sued them twice. The second lawsuit I understand is because they violated the consent order from the first lawsuit. 

I have no explanation or itemization of the {$7700.00} amount from Midland. Previously I received itemized statements from XXXX, but those statements reflected charges, interest, and fees in proportion to my credit limit. 

Please demand that Midland provide a detailed accounting of how this balance was derived. Furthermore, if CFPB finds that Midland 's behavior in this matter violates the FDCPA or previous consent orders, please require that they desist from the collection of this debt. Thank you.
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Winklevoss Exchange LLC (CT)

I have subscribed to Gemini website to trade cryptocurency and i have deposited some dollars. 
After More than 6 weeks now my verification is still pending, my money is locked there. 
I have sent many emails to the customer service but i only get automatic answer without answering my request. 
This company is not taking care of their customers Other companies like that take usualy few hours to verify, Gemini does not make sense