davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-03
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-28
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NJ)

After reviewing my consumer report I've noticed that this company is reporting a collection account stating that I owe them an alleged debt. Not only are they reporting this account to my credit unlawfully, but they're calling me nonstop throughout the day at unusual hours. I contacted the credit bureaus that has this debt reporting and asked them to not only investigate this account but remove it if it can not be properly verified. How can I owe a debt if there was never an agreement nor contract between me and the creditor reporting this account? I asked this creditor to cease all communications with me unless they can properly provide me all of the documentation asked in my letter. included in my complaint is a copy of my letter to the creditor and a copy of my consumer report with the unlawfully reporting account. 

Violations committed by the creditor : 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692e - False or misleading representations
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (FL)

I have XXXX credit cards with Discover. I signed up with Discover many years ago because they marketed a feature of " online privacy protection '' where Discover supposedly works to eliminate people-search sites that exposes your personal information. I signed up with Discover thinking that they would get rid of my personal information from such sites but when I called I was told a different story. I was misled into thinking that Discover would help me remove or opt out and send a request about my personal information to people search sites but Discover used misleading and deceptive tactics to entice to apply for the credit cards where in reality they don't do anything to get rid of customer personal information. In XXXX I called Discover asking them why if they submitted opt-out requests to all these people-search sites months ago, then why my information was still there and same sites were six months later or years. I was told that I have to contact the websites and put the request to opt out myself and have my personal information removed. I was told Discover does not do anything and is just a list for my information to take action. I was confused and scammed by Discover. All this time I was thinking they were working for me to get rid of my personal information form all these people search sites but in reality nothing was being done by Discover. It was just a deceptive tactic for customers to apply for their credit cards.The same sites appear on Discover credit card website under online privacy protection but nothing changes. Same sites such as XXXX, XXXX XXXX, XXXX, XXXX etc appear under my profile for years and nothing changes. Is misleading and Discover is not doing nothing to help the customer.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Performance Management, LLC (NC)

I have a collections account on my credit report that is invalid for XXXX XXXX but is being held by a company called Receivables Performance Management. The account was paid and closed in XX/XX/XXXX directly to XXXX XXXX. XXXX XXXX sold the invalid debt to a collection agency in XX/XX/XXXX. They tried to send it to my credit report after is was paid but I filed a dispute right away and it was removed from my report. Then in XX/XX/XXXX the wrongful debt was somehow resold and reentered on my credit report in XX/XX/XXXX. I did not realize it was there until XX/XX/XXXX. I called the collection agency and disputed it that day and they said the would contact XXXX XXXX to verify I had no balance and then they would delete it and if they decided the debt was valid they would get back to me within 14 days. I heard nothing and received no calls or emails regarding this account and it still appeared on 2 of my 3 reports. So I called again today, XX/XX/XXXX and they said I needed to submit documentation that I had a {$0.00} balance through email, so I did and then I got a representative from XXXX XXXX to call them directly and the collections company gave them some line about the debt was valid because it was just pain in XX/XX/XXXX but it wasn't. It was paid in XX/XX/XXXX. They just submitted a dispute in XX/XX/XXXX. They are not only unlawfully selling dept but they are also claiming they don't have to remove a falsely reported debt because it was paid which means its valid. It was never valid at anytime since XX/XX/XXXX.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, CA XXXX Hello, I am writing to formally request an assignment of contract regarding the debt that was purchased by your company from the original creditor, Account # XXXX and Account # XXXX. I respectfully ask that you provide me with a copy of the assignment contract, along with any supporting documentation that confirms your ownership and right to collect this debt.

As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am entitled to request and obtain verification of the debt, including any assignment contract that establishes your right to collect the debt in question. If you are unable to provide the requested assignment contract within [ a reasonable period, e.g., 30 days ], I request that you promptly delete any and all references to this account from my credit report with all credit reporting agencies, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

Please send the requested documents to the address mentioned above or via email at XXXX Thank you for your prompt attention to this matter. I look forward to your cooperation and timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CA)

I believe the account is invalid. RADIUS GLOBAL SOLUTIONS LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 



RADIUS GLOBAL SOLUTIONS LLC Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
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. (VA)

TRANSUNION is obligated by the FCRA to report accurate accounting, consumer has advised ALL inquires report was fraud, said company had 4 days according to LAW to remove such items. 

TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is not asking for an XXXX report. If TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. 

TRANSUNION Commission file number XXXX Trading Symbol : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX the several Underwriters c/o XXXX, XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX I will be filing form XXXX XXXX forms to audit consumers account. 

TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE not CONSUMER REPORT.
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Innovate Managed Holdings, LLC (MD)

Im behind two payments With Innovate Auto Loan, but got sent a bill for over {$3800.00}. My note is only {$630.00} plus a {$3.00} charge to pay online. I can not afford over {$3800.00} in unexplained fees. I understand Im behind by two payments, but Im going to pay it by next week. I just received a notice for repossession with a date that has passed demanding a high amount. This is ultimately XXXX fault for making this new deal because the other one fell through. First, the loan amount owed was higher than it should have been. That was just updated two weeks ago. Now, Im being hit with a repossession letter that was dated for last week and the amount is higher than what it should be. This year has started off terrible. I fought for my life battling XXXX.
Consumer complaint received 2024-08-26
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 (IL)

I had a free 3 day trial with XXXX. I cancelled my subscription the same day I started it. However, they still deducted {$28.00} from my account. I also had a 3 day trial with another dating site and also cancelled it the same day. It was for {$19.00}. The second company cancelled my subscription and Chime returned the {$19.00}. Chime also credited my account the {$28.00} and said that if it was found that XXXX was justified in deducting the money, Chime would deduct that {$28.00} from my account again. XXXX cancelled my subscription effective the day I opened it, however, Chime decided XXXX was justified in deducting the {$28.00}. I canceled this account well within the time allotted. XXXX has not tried to deduct the {$28.00} again since my account was, in fact, cancelled. Both of these cases were the same set of circumstances. The second company willingly cancelled my subscription and the funds were returned to me, end of story. XXXX also willingly cancelled my subscription, but for some reason unbeknownst to me, Chime decided that it was justified and took the money back out causing all kinds of problems in my account. Both circumstances are the same. Why give me the money back on one and not the other. XXXX had no problem with the refund since I closed the account well in advance of the end of my trial period. Who is Chime to decide they were deducting the money anyway? It doesn't make since. If XXXX had no problem with it, what I Chime 's excuse? I asked and the man got quite smart with me and told me they revisited the situation and decided to deny my dispute. I asked again why, when it was the same incident as the other. He said he didn't have to explain the reasoning that they decided to deny my dispute and did just that. He went on to say he did not have to give me any further explanation. I said it before and I'll say it again, these online banking businesses need to have a tighter rein put on them. I have a right to know the reason they denied my dispute and what made it different than the second dispute filed the same day. Again, they were both identical, they both agreed to cancel my subscription with no problem. Why money was returned to my account from one and not the other. I thought my bank is supposed to look out for my best interest and protect me. Obviously, Chime does not look out for their customer 's best interest nor protect the customer 's money.
Consumer complaint received 2023-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

I received a notice of servicing transfer dated XX/XX/23 from XXXX XXXX XXXX XXXX LoanCare , LLC that stated my mortgage would be transferred to another servicer effective XX/XX/23. The notice stated that I could contact my current servicer with questions at the following phone number : XXXX. I had a question regarding how my next payment would be handled since my payments are automatically withdrawn by the servicer, so I called the number. I waited on the phone/on hold for more than an hour and no one answered. Having to wait more than an hour to talk to someone about my mortgage is unacceptable and unfair to this servicers customers.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (WI)

I have been trying since XX/XX/2024 to have the name changed on my account from my name to my trust. I have contacted customer service by phone, regular mail and email and my account still has not been changed. I received a response to my email asking for a marriage certificate, court order or drivers license showing the name change. I wrote back that I included a copy of my Certification of Trust and that they should check with their legal department if they dont understand. I never received a response.
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

A total of XXXX unauthorized withdrawals from my Wells Fargo bank account withdrawn using XXXX. 
The XXXX was done in XX/XX/24 for a total of {$1000.00}, the XXXX, XXXX, and XXXX unauthorized withdrawals were all done on XX/XX/24 each for {$1000.00} for a total of {$4000.00}. I already made a report to Wells Fargo in XXXX when I noticed this theft but they refused to help
Consumer complaint received 2024-08-03
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: Experian Information Solutions Inc. (SC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 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 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 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 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  I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a .consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverified information.

( A ) In general, after any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2024-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AmeriHome Mortgage Company, LLC (TX)

Communications to AmeriHome were initiated by us, the mortgagors, for the purpose of merging/replatting two adjacent lots into a single lot. Both lots are owned by us. We were advised via XXXX XXXX ( AmeriHome underwriter ) that to proceed, we must complete numerous requests and provide specific documentation detailed in a " Lein Release Requirements '' document, which was provided to us. After providing each requisite document and multiple attempts to contact XXXX, dating from early XXXX through the middle of XXXX, XXXX XXXX called myself on XX/XX/2024 to explain she could not proceed with my request because " She does not know what I want, nor how to support this request. '' After speaking with XXXX XXXX briefly, I requested that she please call me back at a more appropriate time, at this point refusing to do so. After pleading with XXXX XXXX for additional time to gain further clarity of her requirements, she again refused to provide any more information, stated she did not understand Texass requirements and encouraged me to contact my county/city for further guidance. 

After contacting our county immediately following this conversation, I was informed that apart from the process I have already initiated with our county to replat both properties, our county is a separate entity and has nothing to do with the process of modifying a mortgage, nor do they have anything to this process in any capacity whatsoever. 

Detailed in the complaint " AmeriHome CFPB Complaint '' document, you can see that request after request has been overlooked, pushed to the side and/or completely ignored via XXXX XXXX XXXX AmeriHome. As of XX/XX/2024, AmeriHome Servicing intends to transfer ownership of our loan to another servicing company, effective XX/XX/2024. I believe the lack of correspondence is directly tied to this fact. If servicing does indeed transfer to a separate entity, the thousands of dollars, countless hours and 4 months spent attempting to move this process process forward and at the behest of AmeriHome Servicing, specifically XXXX XXXX could be for nothing, and all efforts will need to be repeated with the new servicer. 

Of great importance to us, the mortgagors, is the money spent on appraisals for both properties, surveys, border delineations, etc. will need to be duplicated for the new servicer.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Confirmation of Account Removal Dear XXXX, I am writing to confirm the removal of the following account from my credit report due to errors and inaccuracies : - **Account Name : ** XXXX XXXX  XXXX - **Account Number : ** XXXX - **Date of Removal : ** Between XX/XX/XXXX, and XX/XX/XXXX Details of the account are as follows : - **Original Creditor : ** XXXX XXXX XXXX Attorney XXXX **Account Type : ** Individual account - **Date Opened : ** XX/XX/XXXX - **Status : ** Open, 120 days past due - **Balance : ** {$46000.00} ( as of XX/XX/XXXX ) - **Paid Off : ** {$0.00} - **Monthly Payment : ** Not specified - **Past Due Amount : ** Not specified - **Original Balance : ** {$45000.00} - **Terms : ** Not specified - **Responsibility : ** Individual account I appreciate your assistance in this matter and request a confirmation of the account removal. Please send me an updated copy of my credit report reflecting this change. 

If you require any further information or documentation, please contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX