davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
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. (LA)

XXXX XXXX XXXX XXXX XXXX. 

Last 4 of SSN XXXX & XXXX XX/XX/XXXX Credit Bureau Names TransUnion XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as Open with a PAST DUE BALANCE of XXXX as of XX/XX/XXXX with balance XXXX balance original balance XXXX as of XX/XX/XXXX to XXXX. TransUnion shows open with XXXX PAST DUE balance of XXXX original balance XXXX as of XX/XX/XXXX both account have shown different Amount in the past due and balance owed which is violation of the FRCA LAWS IT DOES NOT MEET FRCA REQUIREMENTS AND MUST BE PERMANENTLY DELETED FROM MY RECORDS I HAVE FILED MULTIPLE DISPUTES asking for ORIGINAL COPY OF THe CONTRACT with my HAND WRITTEN SIGNATURE validation of the debt and how it was validated and verified AND THEY ALL COME BACK VERIFIED AND UPDATED WITH NO. INFORMATION ON HOW IT WAS VALIDATES OR WITHIN TWO OR THREE DAYS WHICH TELLS ME THE FINDING AND INACCURACY I POINTED OUT IN MY DISPUTES WERE NOT FULLY INVESTIGATING PROPERLY AND YOU ARE ALLOWING A CREDITOR TO FALSELY REPORT INCOMPLETE AND INACCURATE INFORMATION ILLEGALLY WHICH IS HARMING MY RIGHTS AS A CONSUMER TO A FAIR Report with showing COMPLETE ACCURATE AND CONSISTENT REPORT for Conns App, opened XX/XX/XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. 
I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account I have i knowledge of a signed a contract of with this creditor with review of the information provided which is also in violating 15 usc 1681 FCRA laws states the creditor has 30 days from the original date of dispute to provide the original contract with a signed handwritten signature I have yet to receive the contract with my hand written signature This agency has no right to try to collect a debt I am demanding deletion of this account
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have asked all 3 credit bureaus to remove incorrect addresses from my credit report and they have not done so as of yet. I am extremely concern by the fact that they refuse to remove those incorrect address as they may put my file in jeopardy of being subject to identity fraud.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TN)

We had XXXX install our internet in XXXX of 2020 at our XXXX house. They did a terrible job of the installation. They ran the disc by the driveway leaning over, ran the cable over the driveway. The system never worked and within a week, the cable was torn over the driveway and the disc was leaning over. I called the company about fixing it, and I could not get them to respond. I finally just asked them to cancel it because it wasn't working. We NEVER got internet. They told me I would have to pay a {$360.00} cancellation fee. I responded by saying that contracts work both ways and they have a responsibility to fix the service or cancel. The girl suggested I suspend the service which I did. I forgot about the service. We used our hot spot on our phone and the account came out of suspension came in XXXX of XXXX. I asked them at that time to come get their equipment. They refused. They did ask me to mail back on turn in the XXXX box. I think that box got thrown away. We forgot it belonged to that service because it didn't work and disconnected it completely. I took responsibility for the box and said I would pay them the {$300.00} to cover the cost of the box, but I was refusing to pay for service I never received. They continue to send me debt collection and have creditors call me. I have disputed in writing twice and by phone. Once on the phone I offered the {$300.00} to cover the cost of the box because that is what they told me the box cost. They refused the {$300.00} payment. I am standing my ground on principal alone. They didn't provide a service, and I shouldn't be XXXX into paying for something I never received.
Consumer complaint received 2019-12-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (IN)

Mr. Cooper Mortgage - acquired the loan from Seterus and XXXX XXXX acquired the loan from XXXX XXXX with that much account activity, you would think identifying a second mortgage would be part of their buying process. 
I am trying to sell a property base in XXXX pa, I recently ran a title search and it's showing XXXX XXXX XXXX XXXX as a second mortgage. My home loan has been forwarded about 3 time to different mortgage lenders and it has been refinance several times. I put several calls into Mr Cooper Mortgage Co to see if they could provide me with a Letter of Satisfactory for this alleged second mortgage. As I went in all direction told to me no one can provide me with a Letter of Satisfactory or a Corrective Action Lien Release. I spoke with several of Mr. Cooper call center representative and all was knowledgeable however, i been going in circle since XX/XX/XXXX or maybe early and all I received from there Research team and there Lein team was a email stating.>>> " Please be advised Mr. Cooper is not able to provide a Release of Lien for a loan that was paid off to another servicer. If a loan was paid off to XXXX XXXX, XXXX XXXX will need to issue a Release of Lien on the paid off loan. 
My issue is that Mr Cooper was the last one who touch the loan and his company should of taken time to do a research and inquire about the status of my account before it transferred. The company should of required all updated information from when I bought the property in XXXX or XXXX. How can this be a transfer of any sort if they don't have the whole account documentation on file. 
Mr Cooper should be responsible for providing me with a Letter of Satisfactory or do the inquire for a Corrective Action Lien Release.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (VA)

On XX/XX/2023 I spoke to a rep at Paypal concerning a refund for {$420.00} I was expecting. the rep said it would be available by XX/XX/2023 and indicated there were no other issues with my account. When I logged into Paypal on XX/XX/2023 there was a message saying my account was permanently suspended and I could not access any money for more than 180 days. 

I called Payapl and asked why it was suspended, they rep gave me no clear answer and just said it had been reviewed. Then she began asking me about why I had so many payment cards linked to my account. I explained that I never removed any of the olds ones, she said I had too many. Well I have had this Paypal account open for almost 20 years and cards expire and change over time. Never once has Paypal sent a notification that there are too many cards linked to it. She went on to remove some and said she would submit it for another review. This company is literally holding my money hostage for no clear reason.

I want my balance released and this account closed
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting a late that I should not have. I took payment into the store and paid in person, there was an error on there end and I should not have a late reporting. I have tried multiple times to get this removed with them.
Consumer complaint received 2019-12-19
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My social security number is XXXX. Since about 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$850.00} to {$1000.00}. I appreciate Capital One Credit accepting money from me over this time. However, I am concerned about damage to my credit. I am still collecting unemployment and now I am starting school next year.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting lates to my account that I do not owe. I was not notified and did not even know I was on the loan, my ex wife missed the payment and I never received any notification that there was a late payment or that I was on the loan. When I did find out I paid it immediately. I should not owe these lates, they were not my fault and I paid as soon as I was aware.
Consumer complaint received 2018-03-02
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. (TN)

I didn't authorize the following inquiries : XXXX XXXX XX/XX/XXXX XXXX other than personal XXXX XXXX   XX/XX/XXXX XXXX other than personal INFORMATIVE XX/XX/XXXX Miscellaneous and public record XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it. 

XXXX XXXX XX/XX/XXXX This account has never been late. Have them to provide proof. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX This account was never late. Have them to prove it. 

XXXX XXXX XX/XX/XXXX This is a collection account. Can you have them send the original agreement with my signature. If they can not, can you make them remove it.
Consumer complaint received 2019-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc. (CO)

I originally signed up with XXXX XXXX in XXXX, which was purchased by XXXX in XXXX. The amounts being withdrawn from my checking account to pay for the panels do not even cover the interest due. I have made additional payments only to find out that I am now behind on interest again by {$200.00}. I made a $ 325+ payment in XXXX to cover the shortage ... and I have been making payments for 4 years now and my balance is the same as when I started. Why does NONE of it go toward principal? 

When I call and ask them to increase the amount to a fixed amount, they are unable to do this. If I pay extra, the extra amount is taken from the next month 's due date. The only way I am able to make principal reductions is in minimum payments of {$500.00}. I have requested on several occasions to have my additional payments go toward principal and have been denied. I want to pay a fixed amount regardless of what the interest due is. I want the additional funds to reduce the principal balance. 

Since solar panels have a limited life, I am afraid when my 30 years is up, I'll still have the same balance because they are collecting LESS than interest due so I am always behind, with no way to come up to current - how fair is this?! I have requested to be put on a 10-15 year fully amortizing payment, and they state it is impossible. How am I ever going to pay this off? What happens at the end of my 30 years and I have expired panels and a {$27000.00} balance ( Original bal )? This seems predatory and deceitful, and I am getting no where talking to the support staff. Furthermore, there is no way to talk to a human being, it is only via email. I really need help in navigating this company - I am just trying to reduce carbon footprint and am afraid I got myself into a boondoggle!
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I was contacted regarding a debt from XXXX XXXX In XXXX or so when I was XXXX, I along with other XXXX were conned into providing our information to open up a XXXX XXXX bank account. This person ultimately opened up car loans, credit cards and more in our names. This was disputed and ultimately found to be fraud in or around XXXX and it was removed from my account. Now, 10 years later a collection agency LVNV funding is trying to collect a debt that is not mine. I informed them it was fraud and requested they verified the debt with a signed contract, any payment history, and proof they are legally allowed to collect in my state. The only thing they sent was a bill from XXXX XXXX with my now married name ( XXXX ). When they called, I told them it was fraud and the lady stated " you can pay it or you will end up in court. '' I am a 100 % XXXX veteran that is already dealing with health difficulties, this has caused additional stress that I can not handle at this time. Nobody at LVNV has tried to help, just threatened to take legal action. I was in the process of trying to refinance my home and can not because of this derogatory mark on my account. Please help me.
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Well first of all let me say that i think that all credit agencies are wrong, XXXX and bias!! They allow companies that they know nothing about to things on your credit report and does not consult with the consumer regarding if its correct information or not!! And that is not right!! And then the consumer has to fight to get it all their credit report!! That is totally wrong!! But the credit bureaus do not care one bit!! And if you are non white they will do everything in their power to keep your credit score down!! Example : This company XXXX/XXXX  that i had an account with that was closed back in XXXX was able to just appear on my credit report as open after 15 years!! How is that possible?? What happens to statue of limitation?? These crooks was able to lie and say that my account had been open for 15 years and i made a payment on my account XX/XX/XXXX which is a TOTAL LIE!! They could not ever send me proof of the payment or any payments!! And this company don't have to send proof to the credit bureaus regarding payments?? They are allowed to just say i made a payment and the credit bureaus allow these crooks to put this on my credit file??? WHAT A BUNCH OF XXXX XXXX XXXX XXXX 

How wrong is that?? Then when i told this company to close this account that was closed back in XXXX these no good XXXX credit bureaus Equifax and XXXX  took my credit score down 17 points!!! And that XXXX XXXX Agency is the most XXXX wrong credit monitoring service in america!! Im sure it just a matter of time before they get sued and shut down!! Nothing but XXXX crooks!! And they did not even wait 30 days to do it like they usually do to update my credit report!! They took my credit score down the same day it was close!! And it should have never been open in the first place!! Again this company XXXX/XXXX  has no proof of any payment being made since XXXX!! Why are they allowed to put this on my credit report and the credit agencies don't asked for any proof of payment?? Where is the proof?? Why is this allowed??? 
This is so wrong and should be investigated!! Its sad how people can just screw your life up and nothing is being done about it!! WHY IS THIS ALLOWED BY THIS XXXX BIAS UNFAIR CREDIT AGENCIES? One thing that i know and that is that karma is real and all of these XXXX no good crooked credit agencies will pay dearly someday!! Its just wrong and shouldn't be allowed!! But nobody cares until it happens to them and it will!! So just remember that you reap what you so and GOD doesn't like ugly
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Consumer Financial Protection Bureau : In XX/XX/2019, the Capital One credit card ( 10 years their customer ) reported to the 3 credit bureaus false information about my payment that according to Capital One was for {$3.00}. On XX/XX/XXXX and XX/XX/XXXX, the same report was placed by Capital One for {$170.00} twice. The same report was reported 2 times which gave me 2 negative remarks and All 3 bureaus have wrong data on my credit report, which shows missed payments for XXXX but on two accounts. I contacted XXXX XXXX by phone ; however, there was no manager or any other supervisor to speak. I have spoken to many other customer representatives who gave me totally wrong information about my payments, accounts, and could not answer any question. Also sent two letters without any answer from the Capital One claim department. All the wrong information lower drastically my credit score and ruined my credit for next many years. For a person to have a decent life, each individual must have a roof above the head, food, a car, and a job. But in order to have that the credit score has a huge impact on all things we can afford. As of now, my credit report was excellent for many years, please see attachment. 
I am asking for a positive result in this case. 

Sincerely
Consumer complaint received 2019-12-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (MI)

I currently have an outstanding debt with American Express. I understand that I am behind on payments and their job is to collect this money. However, I received repeated phone calls, voicemails, and my grandma also received repeated calls. Again, no big deal, I understand this is their job. I wrote a check to American Express with a note stating to cease all phone calls, I want to only communicate in writing. The check was cashed, so I know the letter was read. The check was cashed on XXXX19. However, on this same date I received another phone call, after the check was cashed, after they received my letter. They did not cease phone calls until I again had to contact then and threaten suit for violating the FDPCA.
Consumer complaint received 2019-12-19
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. (TX)

I recieved a copy of my credit report an saw these accounts, i tried disputing them with the companies themselves but i have not been successful.The following accounts i would like removed from my credit report : XXXX XXXX {$28000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$130.00}
Consumer complaint received 2021-11-25
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. (OH)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have previously disputed XXXX XXXX XXXX XXXX XXXX # XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELTED immediately.
Consumer complaint received 2019-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX I opened a checking account with PNC bank online. Automatically, a savings and reserve account were opened as well. On XX/XX/XXXX I deposited a check at my local branch for {$1000.00}, and received a direct deposit travel reimbursement on XX/XX/XXXX. Today, I received a letter from PNC that they are closing my accounts on XX/XX/XXXX and I will be mailed a check for my balance. 
I called the phone number on the letter and was told " just as you can choose not to do business with PNC, PNC can choose not to do business with you. I could get no further explanation from them for the abrupt closure. They also informed me that they are HOLDING my ENTIRE account balance until they refund it on XX/XX/XXXX. This has to be ILLEGAL! 
Being denied access to your own money without explanation is egregious. There have been no transactions on my account other than two deposits.
Consumer complaint received 2021-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Management Group, Inc. (GA) (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are reporting on my Credit Reports : RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXXXXXX XXXX ) ***** Opened XXXX. XXXX, XXXX Balance {$1100.00} RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXXXXXX XXXX ) ***** Opened XXXX XXXX, XXXX Balance {$390.00} RECEIVABLE MANAGEMENT GROUP ( XXXX XXXX XXXXXXXX XXXX ) ***** Opened XXXX XXXX, XXXX Balance {$230.00}