davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
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. (FL)

THIS IS NOT IN LITIGATION!!! 

I am writing to dispute the credit reporting practices of XXXX XXXX concerning my XXXX XXXX Master Card account ( Account Number : XXXX ). This letter serves as a formal complaint of multiple legal violations and a demand for corrective action. Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) ) : XXXXXXXX XXXX  has failed to report accurate information regarding the status and balance of my account. The account, reported as a " Charge off / profit and loss write off '' with a balance of {$1700.00} and past due amount of {$440.00}, contradicts the legal requirements for charged-off accounts. Failure to Conduct Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : Despite my repeated requests, XXXX XXXX has not conducted a reasonable investigation into the disputed information, as mandated by the FCRA. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Misrepresentation of Debt ( 15 U.S.C. 1692e ) : Attempting to collect a debt that has been written off for tax purposes, without issuing a 1099C form, constitutes a misrepresentation of the character and legal status of the debt. Case Law Precedent : Gugger v. USAA Fed. Sav. Bank : This case establishes that reporting a balance on a charged-off account is misleading and inaccurate. Demand for Statutory Damages : Under the FCRA, I am entitled to statutory damages of up to {$1000.00} for each violation by XXXXXXXX XXXX. The continued reporting of inaccurate information and failure to conduct a reasonable investigation constitute separate violations for which I seek compensation. Reporting to the IRS : I will be reporting XXXXXXXX XXXX to the Internal Revenue Service for attempting to collect a debt that has been written off for tax purposes, in violation of federal tax laws.
Consumer complaint received 2020-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS ACCOUNT RESOLUTIONS HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE. THEY REFUSE TO DELETE. I DO NOT HAVE A WRITING CONTRACT BETWEEN ME AND ARS ACCOUNT RESOLUTION. FOR OWING ANY SUCH DEBT OR COLLECTIONS.
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (MA)

I proactively paid my XXXX bill on the XXXX of the month. However, this evening I received a notice that my statement was ready. When I looked at it, the payment had been applied but not to the minimum due. The payment is also due TOMORROW. I already paid more than my monthly payment, and they told me I have another payment due that must be submitted within 24 hours or I will incur a late fee. This a scam.
Consumer complaint received 2023-01-17
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. (TX)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Inquiry - XXXX XXXX XXXX XXXX XXXX XXXX 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 Acceptable Resolution : The aforementioned credit inquiries should be removed from my credit report. These were performed without my consent or knowledge.
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (MO)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2023-02-12
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 (LA)

My name is XXXX XXXX my address is XXXX XXXX XXXX # XXXX XXXX la XXXX my enail is XXXX Paypal has continued to hold my {$100.00} by placing limitations on my account repeatedly for the same reason which makes no sense so i can not pay my water bill or my insurance and ive resolved the problem twice already. I wasted hours and days trying to resolve the same issue and was told repeatedly it was resolved only to go to my account and the limitations is once again back on my account. They should not be holding my money so i can not access it at all. I cant transfer it make payments only receive them which why would i so they can hold more money from me? I would like my money to be made available to me they want me to wait another XXXX hours at the most when i should not have to. I provided personal statements they have no business looking at but i did it so i can use my money. No other financial institutions use these practices.
Consumer complaint received 2023-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Bankruptcy XXXX  XXXX-dismissed Reference # XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy
Consumer complaint received 2023-02-11
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 then 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 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

The problem I am having is with escrow with NewRez LLC ( Shell Point Mortgage ). NewRez took over my mortgage on XX/XX/XXXX. There never was a escrow account. My wife and I paid the house insurance and property taxes. The house insurance was not renewed by insurance company in XXXX. There was a few months the house had no insurance due it being difficult to find a company to insure the house. NewRez charged me for the months without insurance until I obtained house insurance. I provided proof of insurance and received a refund check from NewRez for balance owed to me. The problem was NewRez never contacted me, created a escrow and raised the mortgage payment from {$1100.00} to {$1600.00}. We could not afford that amount. NewRez did not offer to spread out the amount of money that was owed for house insurance. I called many times to try to get this corrected but it was never corrected. We did pay extra money when we had the means to pay off what was owed for house insurance. NewRez is still saying we owe them. Now there is a problem with XXXX property taxes. The XXXX property taxes were paid by Shell Point Mortgage on XX/XX/XXXX without telling me. They charged me {$4900.00} when the amount paid on the tax receipt is {$3500.00}. The property taxes were not late and were due by XX/XX/XXXX. This time they raised my monthly payment to {$1700.00}. They have caused a lot of stress and problems for my wife and I. It's ridiculous they can not fix the issues. I have wasted a lot of time calling them. This is not right or fair. We don't want to lose the house. I hope someone can resolve this and prevent this from happening to others.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TRUIST FINANCIAL CORPORATION (PA)

I received an email from " XXXX '' about supposed " Upcoming changes to your Online and Mobile Services Agreement. '' To my knowledge I have no financial relationship with Truist or XXXX ( mentioned in the email message text ). I have never downloaded either app on my mobile phone. I do not want to have a financial relationship with any of these entities, do not agree to any of their terms of service, and am confused why they have my contact information. 

I tried to access customer service on their website and they have no obvious option to contact them. The fine print of the email message directs me to reach customer service while logged into their App or website. But I do not have login credentials for an account I did not create. Their website does not allow me to reset these credentials using my email. I do not feel it is my obligation to chase down their opaque customer service options to discontinue this relationship since I never sought their services. 

My name is XXXX XXXX. The message was sent to XXXX. I would like them to close it down any account created attached to my name or my email.
Consumer complaint received 2024-03-21
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. (TN)

In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 statesI have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an a open and consumer credit plan as late for any purpose. 

I kindly request the removal of unauthorized inquiries on my credit report 15 USC 1681b ( Permissible Purpose )
Consumer complaint received 2023-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the FairCredit Reporting act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (AL)

This is the second time this has happened with this company. Their collection calls are threatening as well as when you make a payment, they do not apply to the late charges say you have to notify them that you are paying late fees as well, but in the meantime, they will allow charges to mount and then try to repossess for the late fees. I spoke with a representative on Friday ( XX/XX/2023 ) and let them know that I now get paid once a month the rep asked if I needed more time and I indicated that I did, he offered a payment extension and I also advised that I could make 2 payments on the 30th of the month. He said that would be ok and proceeded with the extension. The very next day on XX/XX/2023 another representative called, and I advised that I just spoken with a rep the day before and he stated because my arrangement wasn't an option that Westlake approved it was not acceptable, he proceeded to advise that my account was 16 days past due and up for review of repossession. He was very threatening, so I hung they have called nonstop since then. I have 16 more payments on this loan, please help me with this company.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MA)

Hi TD BANK N.A. # XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 & XX/XX/2022. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-01-17
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. (NJ)

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. 

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 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 


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 2020-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (FL)

On XX/XX/XXXX I did an online transfer from Usa to XXXX for {$300.00} us that supposed to be delivered the next day. The money was never transferred although was taken from my bank account. I have called, emailed and texted multiple times and they dont answer and the website doesnt work either to cancel the transaction. Their page in XXXX reports the same issue with multiple costumers. 
Company name Remitly
Consumer complaint received 2023-06-21
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Paypal Holdings, Inc (IN)

PayPal said I tried to send money with a card ending in XXXX. The person I spoke to was XXXX. They said if denied they won't reattempt. However they tried several times. Now PayPal was accessing my savings account. I tried to dispute the transaction etc. PayPal denied me. The bank told me to erase my savings account. Only reason the savings account was on file was to transfer my money from the app. Only way to access a savings account is with autopay.
Consumer complaint received 2019-04-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (TX)

purchased car in in XXXX Financed  Through Santander Consumer USA financed for 72 months, payment per month is {$740.00}. When I called first in they said I had 7 payments left I already made 4 paymen tsand still I was  making payments instead of getting less the payment increased to 18 payments. We went to XXXX Dealer in XXXX, TX, they got the payoff print out it said 10 payment and payoff amount was {$12000.00}. If 10 payments left then it should be {$7400.00}. If I payoff by XX/XX/XXXX It should be less plus the interest should be taken off, and payoff should be less, They reported same amount to credit bureau. XXXX dealer said this is not correct, There APP is wrong. They had many other customer like me complained about Santander Conusmer USA to them ( XXXX XXXX  ). It seem like they are doing wrong to the customer and robbing the people and making money for them. We will appreciated the help we get form you, far decision and far settlement amount ...
Consumer complaint received 2023-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account was an insurance claim that was paid out by my insurance provider and the gap insurance provider at the time. The amount that is being reported as a charge off, was actually the amount that me and the company agreed would be wrote off because of the total loss insurance claim. I wrote the company to get validation of debt but the letter was returned to sender. Due to company being unreachable at the address on file. In compliance with 15 U.S. code 1681g ( 3 ) ( a ) ( ii ) ( b ) ( i ) ( ii ) which speaks on disclosure to consumers. The credit reporting company never provided information on how, who, and what information was used to say this account was verified. Being in violation of 15USC 1681e ( b ).

The attached 1099C from shows proof that this account can not be considered as debt. I had to file the amount on my return which the IRS says this is taxable income. Which makes the debt paid and the company policy is to discontinue any collection.
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TN)

I have a previous complaint about this company. I checked my credit report & saw that Midland Credit Management continues to update remarks on my credit report by decreasing my account by {$1.00}. What is the purpose of this other than to continue to damage my credit & try to get me to pay?
Consumer complaint received 2023-01-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.
Consumer complaint received 2023-09-22
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. (NY)

I have no idea what that is and I want it removed. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX