davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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: Grain Technology, Inc. (MD)

I have been having a hard time getting in contact with anyone from Grain Technology in reference to there reporting to the credit bureaus. They are reporting negative but I am paying everything as agreed. Can you please make the necessary correction so that my credit report will be as accurate as possible?
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, Has violated my rights. 

15 USC 1681 Section 602 States I Have right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-02-17
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: EQUIFAX, INC. (PA)

This letter is a formal complaint to prove this company is reporting inaccurate information to consumer reporting agencies and violation federal laws This is the account name, number and how much be allegedly charged off. 

XXXX XXXX XXXX {$460.00} This company, XXXX XXXX is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said This account has not issued a 1099c form '' XXXX  XXXX is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by XXXX  XXXX to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication 4681, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX law dictionary XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If XXXX  XXXX has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account.

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

XXXX XXXX is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

ATTACHED IS XXXX  XXXX STATEMENT SAYING THEY DO NOT HAVE A CHARGE OR NOR SIGNATURE FOR THIS DEBT
Consumer complaint received 2023-02-23
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)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXXs committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Note to previous question. I have not tried to solve this problem with Bank of America because I do not have a contact there. 

The problem started with Truist bank not reimbursing my company XXXX XXXX XXXX XXXX XXXX XXXX for fraudulent checks which they accepted drawn on my account. I have already filed a complaint ( # XXXX ) against XXXX bank asking for the return of these funds. Please refer to this complaint for more detailed background on the case. 

XXXX Bank sent me a letter ( copy attached ) which said that the problem needed to be resolved by Bank of America because the checks were cashed at a Bank of America site. 

This complaint is being lodged against Bank of America for recovery of these funds. Since I have never dealt with Bank of America ( only XXXX has ), I do not know who to contact at Bank of America to get action on this case. This is why I am unable to try and resolve the complaint with them first.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX, I successfully completed the payment arrangement and no longer have an outstanding balance on my account, I want it deleted on my credit report.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 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.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Account name : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : DEPT OF EDUCATION/XXXX XXXX XXXX has violated my rights. 

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 a account without my written instructions 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.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX NOT PROVIDED XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-08
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Services, Inc. (VA)

This concerning a collection agency, name ( National Credit Services ). Wasn't notified of atempted to garnish my Social Security or any  pending court date. Was told they didn't have to. No verification of debt, was only told the amount. Have no documentation of any kind. The collection agency uses random addresses for purpose of claiming individual was notified at a address they didn't live. They coerce people into making payment arrangements through intimidation and threats just to end up getting their bank accounts cleaned out and large amounts of money taken from what ever source of income an individual has. People being left with no means to live. My only income is Social Security, in which is very little. Granted is pertaining to an old 16 year old school loan that i was unable to pay back. And never heard anything from anyone in all that time. I found out about my SS being attached because my money came up short. Wasn't notified at all not even by SS.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened XXXX accounts, checking and savings, with Capital One on XX/XX/2024 and funded the accounts while opening them. Both accounts were restricted on XX/XX/2024. 

Capital One requested further verification by asking for copies of my government ID, which I provided. Capital One did not remove the restriction. 

After a second phone call and roughly XXXX hours of total phone time, Capital One has been unable to remove the restrictions or close my account. Their only suggestions have been to go to a nearby cafe, which is XXXX miles away. 

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The representative told me that my account could not be verified because he " was not talking to a real person. '' Further, he told me that Capital One would indefinitely retain my funds until I can properly verify -- which I have. He kept emphasizing that they did not believe they were speaking with a true customer.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Mr. Cooper Group Inc. (FL)

Complaint is against my current mortgage holder Mr. Cooper, a division of Nationstar Mortgage. On XXXX XX/XX/2023 I purchased a vehicle and financed a portion of vehicle price with a local credit union. Two days later I received multiple texts and emails from Mr. Cooper stating they saw another financial institution inquiry on my credit and want to know if Im working to refinance my house using another financial institution. The next day I received a few more text/emails offering to match whatever rates I get from the other institution. I communicated with Mr. Cooper customer rep via chat and explained that we are not on the market to refinance or do any other mortgage changes. My concern is I discovered Mr. Cooper is monitoring my credit without my consent, maybe allowed under FCRA but not sure? Second, they are using this information to gain unfair advantage over their competitors. Third, I was clear about my desire for these daily email/texts, and now calls, to stop but Im still receiving them non-stop.
Consumer complaint received 2019-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Following inquiries are in my Trans Union report, but I never authorized this inquiries and applied credit companies. 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous ( XXXX ) XXXX XXXX/XXXX Inquiry : XXXX XXXX, XXXX XXXX/XXXX  ( XXXX ) XXXX
Consumer complaint received 2023-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (AZ)

On XX/XX/XXXX, XXXX MT, I initiated a call to PayPal to discuss an inapp notification I received about my billing address being incorrect. 

I had a simple request : tell me what address was provided by the merchant when they submitted the transaction. 

The first customer service rep I spoke to ( rep 1 ) said they couldnt help. I then asked them to transfer me to their fraud department who would have more visibility into XXXX. They proceeded to place me on hold for over 20 minutes only to be transferred to their supervisor ( rep 2 ). Rep 2 reiterated they couldnt help and proceeded to transfer me yet again. I waited in hold an additional 30 minutes. When rep 3 answered the phone they had not been correctly told what my call was about and were simply told I demanded a supervisor ( not true ). Rep 3 then went on to tell me debit cards do not use addresses to be verified and they just work. They continued to tell me they werent going to do anything to help me because cards dont use addresses after theyve been delivered. They then hung up on me. 

Im not sure how PayPal pretends to be legitimate financial institution when their representatives are not properly trained in how financial systems work.

My question remains. Both the merchant and I agree that the address we have matches what PayPal expects yet PayPal disagrees even though the address matches my account.
Consumer complaint received 2023-02-26
Product: Credit card or prepaid 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: DISCOVER BANK (IL)

I made a purchase in XX/XX/2023 but did not receive the service I paid for I tried to solve the issue with the company they laughed at me they were very disrespectful so I disputed it with my credit card company which is Discover card I put in a dispute I asked them could they request the recording they told me yes after they closed the first dispute not ruling in my favor I called them and they denied telling me that it was on a recorded line I re opened the dispute and supplied my documentation they have again closed the dispute i know they are not reviewing my dispute properly I have been robbed of my funds charged for a service I did not receive I would also like to file on the company I paid as well
Consumer complaint received 2023-02-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

I have been communicating with my mortgage company in regards to a loan modification. They have been stalling and adking for documents previously emailed and uploaed to their portal. There are no direct point of contacts to the loan modification department. Regular customer service agents are relaying information between the consumer and loss mitigation department. I have not defaulted on either mortgage yet, but I am want to avoid credit ramifications as they are taking their time processing my review.
Consumer complaint received 2023-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Reference complaint # XXXX. 

PennyMac has provided incorrect information and needs to remove homeowners insurance from our escrow account as our LTV ratio is 60 %. PennyMac has removed our PMI insurance as of XX/XX/XXXX as our LTV was less than 80 % and indicated that they would remove our homeowners insurance after the PMI was removed and the escrow balance went from negative to positive. PennyMac stated that the homeowners would be removed from escrow by multiple PennyMac representatives ( XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ). The LTV on our loan is at 60 % as of XX/XX/XXXX and our escrow was positive until PennyMac erroneously paid our homeowners insurance from our escrow account. 

XXXX needs to remove our homeowners insurance from our escrow account immediately and change the responsible party for homeowners insurance from XXXX on Borrowers Behalf to Borrowers. 

XXXX and XXXX XXXX
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (MS)

In accordance with the Fair Credit Reporting Act, all the purported creditors have violated my rights. Under 15 USC, 1681, Section 602 insures my right to privacy.

Under 15 USC, 1681, Section 604A, subsection 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC, 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
I demand all of these unauthorized reportings to be removed from my credit record immediately. 

Sincerely, XXXX : XXXX, XXXX. BENEFICIARY
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, has violated my Rights 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CARD Corporation (AZ)

Haven't been able to access my money since i opened the account, they restricted my account without any forewarning, they aren't open on the weekends so I want without being able to access funds, no communication on their end unanswered emails and the automated system kept telling me that my info didn't match what they had XXXX file. Account was unrestricted for a day and they restricted it once again, still haven't recieved a response from the dozen emails I've sent, they keep declining my ACH transactions. I just want my money so I can close the account and take my business elsewhere. XXXX is a joke
Consumer complaint received 2022-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised that there would be a soft pull for products with XXXX. I was also pre approved for a credit card. However I ended up with an inquiry. XXXX XXXX XX/XX/2022
Consumer complaint received 2022-05-24
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: EQUIFAX, INC. (GA)

15 u.c.s 1681 section 602 a. states I have the right to privacy 15 u.c.s.1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX Ithink XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX  last reported an update with Equifax XX/XX/2022. I called XXXX XX/XX/XXXX and spoke with rep who said its normal and XXXX reports every 60 to 90 days. I was told to contact equifax directly, which I had done already. Now I receive a message this morning XX/XX/XXXX that Equifax has reported account closed and my credit score dropped XXXX points!!!! I called XXXX, spoke w a supervisor today XX/XX/XXXX, they said I would have to send them my entire credit report to investigate. ( NEVER WILL I DO THAT/IDENTITY THEFT ). I called Equifax they said I need to call XXXX, after holding 1 hour and 32 minutes was told there is nothing they can do. This is outrageous!!! Equifax XXXX XXXX XXXX ( refused to provide country and stated for security purposes ) told me hecannot file a dispute on my behalf because account is closed!
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (NM)

Since XX/XX/2024 Westlake and Westlake Portforlio has called me every day and sometimes several a day except Sunday 's. I have all the call logs saved. I answered a few times to ask them to stop calling me. They will call me at exactly XXXX every morning and it's becoming a problem. Waking not only me up, but waking my baby up as well. Then calling 2-3 times a day. I'm constantly having to block new numbers they're calling from. They also send so many emails! I feel like I'm going crazy! In just the last 7 days they've called me 15 times!!!