davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAINE & WEINER COMPANY, INC. (OH)

debt furnisher reported information on consumer account after report was removed from all 3 bureaus due to the lack of proof of validation of account. Company is reporting false legal representation on file of the account that has not been validated nor belongs to consumer.

Law violation : 15 USC 1692g section 809 ( b ) -Debt collectors must cease collection activities until they provide verification of the debt.

15 usc 1681q : - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following items needs to be removed immediately, I am unaware of this debt. I never received any notification that I owe this debt. Please validate this debt with the certified mail tracking number and receipt with my signature on it and proof that I was given notice within XXXX calendar day. The creditor can not place anything on my report that I did not have the opporunity to correct prior to placing it. 


Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC ()

I am currently living in XXXX and have been here for the past two years. My mother received a letter from Radius Global Solutions saying that I owe money for XXXX. I told her not to pay it since it might be a possible scam. This is impossible as I do not have a XXXX account and even if I did, it would be called " XXXX XXXX XXXX which is the XXXX  brand in XXXX. I saw my credit score take a large hit from this company. I do not have an XXXX  telephone number to be reached at and all attempts to reach the company through their customer support has failed. Every link that I tried to click on to reach their customer support portal is not working. This might be because I am trying to connect from XXXX. I can not call their number without taking a large hit on an XXXX  fee. Please help me, my hands are tied and I never been in debt collection before. I make enough money to pay any of this off but I do not have a XXXX account so I was convinced this was 100 percent a scam.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Back in XXXX of 2016, we were finally approved for a VA Hamp modification after the attorney sent XXXX XXXX  several letters due to them denying us. They placed us on a temporary modification for 90 days as it was required. The month of XXXX, XXXX and XXXX were all paid on time, therefore we were given a VA Hamp permanent modification. We paid all of our payments on time yet XXXX XXXX  continues to report I was late all the way to XX/XX/2016 which is incorrect. There was {$16000.00} that were put as a balloon payment in the modification so they were not suppose to be reporting anything late.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (PA)

Ive been trying to access and close a trust account that I am a beneficiary of and have reached age of attainment. My account manager left the company, and no new account manager has been assigned for 2 months. Ive been blocked by Truist bank from accessing my funds because no one but an account y, that doesnt exist, can help me
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (IL)

I requested an Express Replacement XXXX and filed a claim with Apple Care+ on Thursday, XXXX XXXX. I received the tracking number and it stated I would be receiving the replacement XXXX on Friday, XX/XX/year> between XXXX XXXX am. I never received it. I called Apple Support to cancel the claim because my Apple Card has a {$1200.00} hold on it for a XXXX I havent received. I am unable to get updates from XXXX  or cancel the shipment and Apple refuses to remove the hold.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (CA)

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information contained in a consumer report, Section 615 ( a ) of the FCRA requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. The term " adverse action '' is defined very broadly by Section 603 of the FCRA. Adverse actions include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by FCRA 15 U.S.C. 1681 et seq. : Section 603 ( k ). This includes denying or canceling credit or insurance, denying employment or promotion, denying a rental application, increasing a security deposit or rent, or requiring more restrictive lease terms because of a report. No adverse action occurs in a credit transaction where the creditor makes a counteroffer that is accepted by the consumer.
Consumer complaint received 2024-06-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I clicked on the credit card offer received via email from Capital One that offered {$750.00} cash bonus after spending {$6000.00} and get 1.5 % rewards points. 

Today, when I called to get the last day to meet {$6000.00} spending, I was told that the credit card that I've been using is not the one that I applied for. The customer support told me that there was a counter offer and I accepted it. I don't recall any of that. There should be emails, but there isn't any, and they won't provide any proof of what they are claiming. I applied for Capital One Spark Business credit card, and that's exactly what it says on my card. They made several different colors of these cards and call all of them the same, " Capital One Spark Business ''. According to the customer support, what I have is " Classic '' and not " Select ''. I strongly feel that this practice is a bait-and-switch scam and designed and intended to confuse and deceive the consumers taking financial advantage of people. 

I requested all documents supporting their claims, and I was told by XXXX, senior account specialist, that they can't send those but will send me the agreement I signed. 

I signed up for paperless when I set up the mobile banking. Therefore, I am not getting any mails from them. The paperless opt-in, however, should have any and all correspondence, and there is absolutely nothing except the monthly statements and a document they sent me today upon my request. What they sent me is not the details I requested. 

All I received in the mail is the credit card and a letter stating the credit limit, the usual that you get with a new credit card. I've never once had any issues with Capital One until today. I did not need this card or credit line accept for the purpose of earning the {$750.00} bonus + 1.5 % cash rewards they offered.
Consumer complaint received 2024-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In accordance with the Fair Credit Reporting Act, this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information contained in a consumer report, Section 615 ( a ) of the FCRA requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. The term " adverse action '' is defined very broadly by Section 603 of the FCRA. Adverse actions include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by FCRA 15 U.S.C. 1681 et seq. : Section 603 ( k ). This includes denying or canceling credit or insurance, denying employment or promotion, denying a rental application, increasing a security deposit or rent, or requiring more restrictive lease terms because of a report. No adverse action occurs in a credit transaction where the creditor makes a counteroffer that is accepted by the consumer.
Consumer complaint received 2024-06-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Onity Group Inc. (CT)

PHH Mortgage loan number XXXX I have been trying to get a irrevocable trust for my mortgage and denied since beginning of XX/XX/XXXX, numerous times I have email via their website messaging to try consistent and compliant solutions since the beginning of XXXX and they have repeatedly denied, even XXXX case law shows that what they are stating is illegal, who can hold this company accountable to the law? 

Next they are stating that I have a balance due to the Shared Appreciation module for paying off the loan?, this loan was originally with XXXX Bank and has been resold several times, There was never any principal forgiven and I have made payments ahead of schedule, the agreement mentions XXXX ( XXXX XXXX XXXX XXXX XXXX ) but does not have any specifics. This has been on going for several months with some agents saying I owe nothing and some saying I need to pay the XXXX fee? Even thou the loan was resold several times and I occupy this house and am not selling the house. Their Payoff quotes insist on a further balance, and they will not honor a irrevocable trust as required by law. 
Note Case law below, repeated messages they keep responding they only allow revocable trusts, see case law below The property located at XXXX XXXX XXXX, currently mortgaged under PHH, is intended to be transferred into the Trust. This transfer complies with the Garn-St. Germain Depository Institutions Act of 1982, which allows for the transfer of real property into a trust without triggering a due-on-sale clause, provided the beneficiary of the trust ( grantor ) continues to occupy the property. 
I do have a fair amount of files sent as messages to the bank on their website can share if you like.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

On XX/XX/XXXX : I attempted to make a payment with XXXX  ( XXXX ). Their system charged me twice. 

On XX/XX/XXXX : I was advised by XXXX that I would need to speak with my financial institution, Chime, to request a refund. 

On XX/XX/XXXX : I was advised by XXXX Customer Service that the chargeback was completed on XX/XX/year>, and my funds should be released. 

On XX/XX/XXXX : I spoke with Chime Dispute Supervisor, and provided the charge identification number and relayed the mentioned information from XXXX to Chime Dispute. I advised that my funds should be released, and have not receive my funds after providing sufficient information. I was told a ticket will be submitted. 

On XX/XX/XXXX : I contacted Chime requesting an update on the ticket submission that was submitted over to the Chime Dispute department to relay that the chargeback was completed and charged identification was given to expedite the process. I was advised that there was no information detailed within the previous ticket submission by the previous Supervisor. I was told that the funds should have been released, but they will not process my request. 


At this time, I would like to request and investigation against Chime. I want to also file a formal complaint against Chime as well. Chime refuse my funds.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Several fraudulent unauthorized charges posted to my debit card. I immediately reported the fraud to Wells Fargo and filed a claim with them. They credited my account for some of the fraudulent charges. However, they permanently withdrew money for several other fraudulent charges stating that they concluded that the charges were authorized by me and that a processing error did not occur. The charges were definitely not authorized by me. I explained to them that I have been a victim of XXXX XXXX ( i.e. fake tax return was filed ) and filed an XXXX XXXX  Report with the Federal Trade Commission. The fraudulent charges were reported immediately upon discovery. By failing to refund the fraudulent transactions, Wells Fargo has refused to honor their zero liability policy.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (NV)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I mailed XXXX XXXX a letter requesting records that were sent to all three credit bureaus be sent to me. So that I can review what was being sent. I received those documents XX/XX/XXXX three letters each addressed to all three major credit bureaus. With just XXXX small sentences. Saying my account was charged off and sold. I cant do nothing about. Yet on that letter it states per internal documents the information provided is accurate and true. So everytime I dispute this. I am not being given accurate information. In XX/XX/XXXX I filed bankruptcy in XX/XX/XXXX it was discharged and revvi was included in that bankruptcy. Regardless if they sold the account to a collection agency as the original creditor they have an obligation to update the reporting. They have failed to. I have attempted 8 times with Experian XXXX and XXXX and cfpb and no one has done anything.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

My purse was taken during a community event in 2018. I was advised by law enforcement to monitor all of my accounts in the future. I contacted the credit bureaus and advised them of what had taken place. I recently pulled a copy of my credit report and noticed a account and inquiries that I have no knowledge or affiliation with. These accounts and inquiries have been authorized due to someone having access to my personal information. 

I have the right to privacy, furnishing accounts to my profile without my written consent is in violation of 15 USC 1681B.

After researching this accounts, this account is being furnished due to identity theft. Furnishing any account to my profile in direct relation to identity theft is in violation with 15 USC 1681 c-2
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (GA)

The following companies are reporting me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Mangement Under the doctrine of estoopel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the above alleged debt, nor therefore any such debt, in fact exists
Consumer complaint received 2024-07-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Multiple complaints in connection with servicing and debt collection on mortgage account.

1. Denial for a work out option which entails staying in my home. Correspondence read I can request an appeal to my assistance review but fails to give specific reason on why modification was denied. It only reads ... according to the mortgage service agreement ... and there is nothing in the mortgage service agreement which set forth a reason for not modifying the loan.

2. Every single call to mortgage servicer was met with your account may be refer to an attorney for legal action. This threat has been recited to me ever since XXXX of XXXX when federal funds expired for assistance on the account. 
3. At the time home assistance funds ran out from the federal government in XXXX I asked for a deferral or a forbearance and I was told I was ineligible in spite of the fact the account was current ; except for negative escrow balance. Yet, The reason why they are telling me I am ineligible for a deferral or forbearance now is because the account is too far behind. It seems that they are coming up with reasons just to say no. 
4. When the federal government was assisting people during COVID the underwriter of this mortgage changed from a government backed federal loan to a seasoned trust which was specifically designed to subvert federal regulations for assisting homeowners who were in jeopardy of losing their homes.

5. This mortgage servicer specifically violated an order and stipulation from the Federal Trade Commission and where they were to list every single dollar owed on the account on statements. They failed to do this when I was getting HAF assistance and as a result {$4000.00} which would have been paid through federal assistance was not paid. This is a direct result of SPS not following federal guidelines. When confronted by this detail SPS claims that it is my responsibility that HAF were not received for the escrow shortage. They it is because I supplied the statement to HAF However, SPS provided the statements to me which lacked all the money due on the account as provided in the stipulation and agreement of XXXX with the federal government. 
XXXX. This servicer debt collector also calls quite often XXXX and XXXX times per day and has even called at XXXXXXXX XXXX. 
XXXX. Part of the reason I am in this predicament is because I have become XXXX since losing my job just prior to COVID. I am awaiting approval of XXXX benefits and have been in constant contact with the lender servicer to let them know the updates. 

This account would be in a better position if SPS had abided by the Stipulation entered into with the Federal Trade Commission. 

They have provided some information which was requested but not all. They refuse to take responsibility for monies not being paid to them to bring the account current as a direct result of them violating the Stipulation and Order entered into with the FTC in XXXX.