davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

This is ridiculous! Midland funding is trying to sue me for a debt that doesn't even belong to me. This is a fraudulent lawsuit and they shouldn't be able to treat consumers like this. They submitted 2 exhibits to the courts that were copies of invoices. First of all, that's not even a form of debt validation. Secondly, the CFPB has addressed them about fraudulent lawsuits so why do they keep doing this to consumers. This is abusive behavior and they are misleading the court system with false information and it's a violation of the FDCPA! This lawsuit needs to be dropped immediately! I am requesting that they provide the following information : Please provide the following information XXXX. Name and address XXXX. Name on file of alleged debtor XXXX. Alleged account # XXXX. Address on file for alleged debtor XXXX. Alleged account # XXXX. Amount of alleged debt XXXX. Dates ( this alleged debt became payable ) XXXX. Date of original charges or delinquency XXXX. Was this debt assigned to a debt collector or purchased? 
XXXX. Amount paid if debt was purchased. 
XXXX. Commission for debt if collection efforts are successful Please attach copies of the following : - Agreement with your client that grant Midland Funding the authority to collect this alleged debt - Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector - Any agreements that bears the signature of Debtor, wherein agreed to pay Collector. - All statements while this account was open - Have any insurance claims been made by any creditor regarding this account? Yes or no- Have there been any judgements been obtained by any creditor regarding this account? Yes or No Please provide the name and address of the bonding agent for Midland funding, in case legal action becomes necessary : Authorized Signatures of Creditor : _________________ Date : ______________
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zions Debt Holdings (CT)

this is a follow up on complaint ID # XXXX I had a monitoring service with XXXX XXXX XXXX that I terminated in XXXX of XXXX I had an automatic payment setup for the monthly premium, however after i terminated the agreement and sent a cancelation notice I was told that i owe a late fee of {$49.00} which i did not agree with, I tried to contact XXXX  on several occasion however i was put in on hold and couldn't speak with the customer service. 
I even sent a note in the mail informing them that I do not agree with the balance they thought that i owed them. 
Until beginning of XX/XX/XXXX I received a text message from the following individual XXXX XXXX Zions Debt Holdings, LLC XXXX XXXXXXXX XXXX XXXX XXXX, Utah XXXX XXXX Claiming that my account is schedule to be reported to the credit bureau XXXX and to call and discuss After exchanging few e mails I learned that Zion Debit holding bought the account from XXXX and they added extra fees and interest on top of the original balance of {$49.00} to make to total of {$120.00}. 
after discussion and e mail exchange I got the original spread sheet showing the balance however nothing mentioned about the interest or service fee according to the federal and state of CT law A debt collector may not collect any interest or fee not authorized by the agreement or by law. 
Fair Debt Collection Practices Act | Federal Trade Commission 808.

( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

Also based on state of Connecticut Law Unfair practices Consumer collection agencies may not engage in unfair practices when they try to collect a debt. For example, collectors may not : collect any amount greater than your debt that is not expressly authorized by the agreement creating the debt ; Also according to Connecticut law Consumer collection agencies must be licensed in Connecticut. If you have been contacted by a collection agency and would like to find out if it is licensed I did check the license debt collection agency licensed by the state of connecticut and Zions Debt Holding LLC is not listed, their fore I don't believe they can practice within my state I attached related document with this complain
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I did not authorize XXXXXXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX XXXX, Inquiry Date XX/XX/2023 XXXX XXXX XXXX Inquiry Date XX/XX/2033 XXXX XXXX XXXX inquiry Date XX/XX/XXXX  to run my credit, this information is incorrect.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/23 I wrote to TransUnion to investigate hard inquiries on my credit report I did not authorize. I called the company on there and they said I needed to get with the credit bureaus so that is what I did. Well I never got a response and the unauthorized and false hard inquiries still appear on my credit file with you. I never once gave my permission to these companies to check my credit score. Please investigate this matter and remove them as soon as possible please.
Consumer complaint received 2024-06-25
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. (TX)

I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Recently, I conducted an investigation on my credit report, which caused severe XXXX and discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to report with 100 % accuracy. 

According to the Fair Credit Reporting Act, all information on my credit report must be reported with complete accuracy. The accounts in question violate FCRA regulations, specifically under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ), which mandate accurate reporting. 

Attached are copies of all correspondence I have previously sent. I urge your agency to promptly rectify these errors and ensure that my credit report reflects accurate and verified information as required by law.
Consumer complaint received 2024-02-18
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC (FL)

The home in question was to receive repairs due to a storm. 
The Insurence was to pay the claim and the remainder amount upon completion. 
The mortgage company created delays while the home was unlivable creating additional cost. 
Once the contractor signed the required forms abd the owner signed their part the mortgage company took the funds and kept it then did not complete the repairs. 
Once we received notice that the city was to condemn the property due to the initial repairs not completed we kept repeating the request for the initial funds and they refused repeatedly. 
We are at a cross road to which I have had to mortgage another property to save this home from the city completely condemning it by order. This has added considerable expense since due to codes the whole home had to be upgraded. 
Thus added cost for Engineered plans rebuilding the entire home. 
Please help as they left my aunt destitute and homeless with additional storage cost and so much more negative impacting issues. 
The bank intentionally kept the repair money from the insured to force them into homelessness and a position of destitute while agreeing with the insure company for less than the agreed amount to recieving funds without the owner signature. For all payments they received. 
It was their fruditiouse responsibility the complete the repairs abd not burden the city with additional public cost and avoid depreciation of the investment to which they intentionally refused committing harm to life and limb of the owner and clients. 
Signed XXXX XXXX. 
Please correct this injustice as I know it is not just happing to as and as other bank have done to which you addressed and won.
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

Yes I bank with chime banking and on Tuesday night at XXXX XXXX  my card was use to make a purchase for {$2400.00} at XXXX XXXX but I didnt authorize this purchase, I was at work and we are not allowed to have our phones out on the sales floor and I was closing that day. I call Chime Customer Service and they told me I had to wait to file a dispute until it was posted to my account and on Friday XX/XX/XXXX it was posted and I file a dispute and within a 5 hours period it was denied and I asked for a letter but never got it. The XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX, own chime. I called again on Friday the XXXX I was passed around by the customer service team and they did not help me at all, they reopen the case and promised me for a provisional credit within the night and never got and within the next 5-6 hours my case got denied again and never got a letter like I asked. chime looses lawsuits for disputes all the time because the information on there denial letters does not adhere to the guidelines set forth under regulation E. They are not following proper procedures and guidelines
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of thewrongperson.|
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my follow-up complaint about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$8100.00}
Consumer complaint received 2024-02-17
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (SD)

collection agency ( XXXX XXXX ) violated Cease and desist notice on an account housed within their firm, through Email communication after informing via email of a 2nd account allegedly owed by me ( which was already addressed in court )
Consumer complaint received 2024-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reopening the investigation until this tradeline is deleted. I have attached the incorrect name associated with XXXX XXXX XXXX only reporting on TransUnion. This name is incorrect. XXXX XXXX XXXX continues to reupdate the information to TransUnion. I will continue to dispute and forward to FTC. There is no longer XXXX. 
All XXXX XXXX XXXX does is send a bill of sales under an incorrect name. This will continue to be challenged until removed.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-15
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. (TX)

18 U.S.C 1028 No consent to share my information at all!!

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST NATIONAL BANK OF OMAHA (PA)

Received certified letter for civil complaint for a judgement of {$1100.00} about a debt I know nothing about. Have not been given verification or validation information such as the proof that I am indeed the party they are requesting to pay this debt. I sent them a verification via certified mail asking for the account details such as an itemization of current amount of the debt that reflects interest, fees, payments, and credits since a particular date. I have not received any such info that is required under the FAIR CREDIT EXTENSION ACT. I was given no option to discuss or dispute the said debt that is actually time barred as of XX/XX/2024 according to their paperwork that has been received.
Consumer complaint received 2024-02-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC (WI)

I was denied by a few lenders, but a few of them I believe had discriminatory tendencies. My credit score on ALL credit bureaus has dropped a hefty XXXX points leaving my scores in the XXXX and XXXX due to these mortgage companies telling me I had to move some of my medical collections and that I had a high debt to credit ratio which I did not. I had small balances on over XXXX cards and a few credit cards that was close to the limit. I am a AUTH user on most of the credit cards on my credit, but that still was counted again me. I ended up paying down one of my credit cards in my name ( XXXX XXXX card ) and also getting one of the AUTH user credit cards removed from my account and after that, my score dropped to low of XXXX and XXXX to where now I dont qualify for any mortgage. How I was talk to by these mortgages lenders made me feel they dont take my inquiry seriously. I qualified for a FHA loan, but they made this extremely difficult for me to get. Mortgages lenders : XXXX XXXX XX/XX/XXXX ( it seems like he was making all the excuses of not to approve me and wasting my time. I told him to drop the application. Also was denied downpayment assistance when they are partnered with XXXX XXXX. 

Rocket Mortgage ( who preapproved me for {$60000.00} and then {$90000.00} but never updated with me. 


XXXX XXXX : I was approved for {$100000.00} with XX/XX/XXXX down. That was too much for me so I started working on my credit and then my scores dropped XXXX to XXXX making me not qualify for a mortgage. Im sure he wont be calling now checking for updates. I also was denied getting downpayment assistance via XXXX fund and the mortgage lender knew my credit scores went up that changed the scenario so why am I denied downpayment assistance as a first time home buyer. Who are these funds for? 

My credit union : XXXXXX/XX/XXXX. I informed them I have alternate assets ( cryptocurrency ) worth {$20000.00} and got really weird about it and stated they will call me back but never did. 

I informed most of these lenders I had {$20000.00} in non liquid cryptocurrency plus my job income of approximately {$1800.00} a month. I had other income that I get bi-weekly around {$1400.00} bit weekly but couldnt be added due to I have not worked at that job for 2 years or more. 

These lenders put me through such a hassle and ruined my credit trying to get a FHA loan that I qualified for due to over XXXX and up credit score and low DTI. They used my medical collections and a collection that was charge off. I can understand that charge off being against me, but I read that that should not be calculated into the DTI unless its something being paid and those were not being paid on.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer .I have not been able to get approved for anything, and that really hurts me and my family. You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2024-02-17
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 (OH)

Hey there, My name 's XXXX XXXX, and I'm reaching out because I've run into a bit of a snag with PayPal Inc. They've gone ahead and slapped some restrictions on my account ( XXXX ) without giving me a heads up or any kind of reason. Honestly, it feels like a huge mistake because I'm pretty sure I haven't stepped out of line or broken any of PayPal 's rules. 

I've always made sure my actions were on the up and up, following all of PayPal 's guidelines to the letter. This sudden lockout 's thrown a wrench in my works, cutting me off from doing my usual financial stuff, which is a real pain both personally and professionally. 

I've tried reaching out to PayPal 's support crew a bunch of times to get the lowdown on why my account 's in the doghouse and how to get things back to normal, but it's been like talking to a brick wall. No helpful feedback or steps forward.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (MI)

Regarding whom it may concern : The data listed below is what I saw on my credit report and has to be removed right away from your files. Additionally, as the data above shows, your agency is not providing correct information. When a consumer reporting agency creates a consumer report, it must adhere to reasonable processes to ensure the highest level of accuracy possible in the information about the individual to whom the report relates [ 15 USC 1681e ] ( b ).
Consumer complaint received 2024-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (NY)

Good day, I opened a Rewards Plus Checking account with Upgrade Inc. on XX/XX/24. In the first few days I was able to verify and add an external bank account as well as transfer over {$3000.00} into the new Upgrade checking account. I was planning to also open a savings account with Upgrade as they sent me an email offering a competitive APY. On XX/XX/24, as I was traveling abroad with my family and tried to log into my account to try and set up the savings account. When I logged on I noticed that my checking account was suspended. Concerned about this, I immediately reached out to the company via email to inquire about the suspension. At which time they told me they couldn't provide any information via email and I needed to call them. Out of desperation, I made the call to the bank, incurring roaming charges. During the phone call all they did was confirm the suspension. They could not provide me the reason for the suspension. Furthermore, they told me I needed to send them an income tax statement, another bank 's statement, and a picture of my driver 's license. They refused to release my funds and close my account. I was told that until all the requested documents were provided, I would not be allowed to access my funds. Meanwhile, they do not even have a secure encrypted way of transmitting these documents to them. They wanted it sent over regular email. Out of desperation, I sent all the requested documents the same day ( XX/XX/24 ). On the following day I received a response stating that they also needed me to take a selfie holding a sign showing my account number. I did that as well on XX/XX/24. When I finally came back to the US on XX/XX/24, I immediately called them as they haven't provided me with any updates and my account was still suspended. I spoke to the supervisor who informed me that two of my documents were rejected - the income tax return needed to be a signed copy and the bank statement had to have at least 5 transactions on it. I was extremely frustrated, but again they told me I couldn't have access to my own money until I submitted what they're asking for. So I sent them another bank statement on XX/XX/24. I didn't have a signed copy of income tax return so they sent me an e-sign request form for IRS 4506-C form. Today is XX/XX/24 and I am still waiting to get access to the money that belongs to me. These people would not tell me why my account is suspended or let me speak to anyone at the department that actually reviews these sorts of cases. I've had multiple bank accounts in the past and never have I been forced to provide so many of my personal documents, especially after granting me full access to the new account and then trapping my funds there with no way out. I believe this is a deceptive and illegal practice and the government needs to step in to review this and request for the bank 's immediate resolution. 

Thank you for your assistance in this matter, XXXX