davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion XXXX and XXXX is reporting incorrect information on my credit profile. I have reached out on several occasions to have information removed but issue hasnt been resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX, Submitted on XX/XX/2022 & XXXX, SUBMITTED ON XX/XX/2022. 
XXXX, SUBMITTED ON XX/XX/2022. The response states, the company will reply back in XXXX days. 
This is not acceptable. Under the Fair Credit Reporting Act, the XXXX has a certain amount of timegenerally XXXX days but up to XXXX days in certain circumstancesto resolve a dispute. If the item can not be verified by the creditor within the time frame, it will be removed from the report. 
Therefore, XXXX days, is not acceptable according to the XXXX Guidelines, when the disputed information was received by the credit reporting bureau agencies in a timely manner. Therefore, XXXX days, is the maximum allowable time frame, from the date which dispute was received.
Consumer complaint received 2019-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A. (MD)

- Someone showed up at my door on Tuesday, XXXX/XXXX/19 late at night. They did not give me personally the summons. 
- Upon looking through the documentation the next day, I realized that the attorney representing a company known as XXXX XXXX was suing me in an amount less than {$800.00}. 
- I had ironically received XXXX checks from XXXX   due to the data breach of my information, which I will attach. My information was also compromised in the most recent XXXX breach. 
- I had sent XXXX  via XXXX XXXX letters back in XXXX, XXXX, XXXX, and XXXX of 2019. No letters were answered. 
- I never received anything from this attorney named NAME : Peroutka , Miller , Klima & Peters , P.A . 
ACCREDITED BUSINESS : NO CONTACT : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX PHONE : XXXX XXXX FAX : XXXX XXXX Website : XXXX I proceeded to fax and email to contact them, as I wanted it in writing. They did not respond for a couple days. When XXXX XXXX finally did respond, he stated he would not communicate in writing via email. He also stated on XXXX/XXXX/19 that they would send out validation. Today is XX/XX/XXXX19, and I have yet to receive this information for this alleged debt. There is a complaint filed with the BBB, and he admits that I " ... may not have received it yet. '' They are in the SAME CITXXXX. It takes one business day to get to me. My assumption is that they are waiting for the 15 days to defend myself with all of my proof that XXXX violated FCRPs law to respond to a DV letter - not once - XXXX times, they can default me for this alleged debt. 

Their response is they " record conversations. '' THEY might record them, but my understanding is that I can not ; hence, why I wanted everything in writing.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

So one day, unaware someone gained access to my Chase account and tried to deposit a fraud check and because of that action, a few days later, I received a call from Chase stating that my accounts were going to be closed down and I could not further bank with it them.
Consumer complaint received 2023-01-23
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. (RI)

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 account # XXXX 15 U.S.C 1681 section 602 A states that I have a right to privacy, additionally ; 15 U.S.C 1681 section 604 ( a ), ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. section 605 ( a ) ( 5 ) 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 section 623 ( 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 2021-12-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (NY)

I called Southwest Credit on XX/XX/2021. I was told by a asked the Southwest Credit employee that I owed XXXX XXXX {$190.00}. The amount on my XXXX XXXX XXXX report states I owe {$190.00}. I asked the Southwest Credit employee to mail me proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest, and other charges, and for all other charges, the date of and basis for each charge. I wasn't mailed any of the documents. The only letter I was received on XX/XX/XXXX was an account summary of the debt I supposedly owe with different amounts than what the employee told me, stating I had 30 days to dispute the debt, and a NY Dept. of Consumer Affairs License Number. Because I wasn't given the documents I asked for, I emailed Southwest Credit on their website SWC Group on XX/XX/XXXX to complain about not getting any of the documents they're legally obligated to give me and to ask SWC Group to either email or mail me the documents. Today is XX/XX/XXXX, but no one at SWC Group has emailed or called me. Meanwhile, my credit score was XXXX for more than a year because of the debt on my XXXX credit report. I was turned down when I applied for apartments because of my credit score. I'm not going to pay a debt unless I have proof I owe the debt. I'm also not able to dispute a debt if I don't have the documents I need, a fact SWC Group is well aware of.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, XXXX, And Transunion is reporting inaacurate and unverified late payments. I recently asked the 3 bureaus to investigate the deliquent accounts. I recieved information that the accounts were verified and accurate without any proof. I have never been late, so these accounts should not be reflecting late. I ask for amethod of verification.

1. What did your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2. What certified documents were reviewed to conclude your investigation?

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. Please provide proof of your timely procurement of certified documents.

5. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

6. If yes to above : A. Who did you speak to?

B. On what date?

C. What was their position?

E. What telephone number did you call?

F. What is the name of the employee of the company that spoke directly to the above party?

G. What is the position of the employee of the company that spoke directly to the above party?

I. What formal training was provided to this employee to investigate items of this kind?

J. Was there any e-mail or written communication between members of your company and the employee that youve spoken too?

7. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

8. Provide the date of the commencement of delinquency 9.Provide the SPECIFIC date reporting that these items will cease There is no question that you willfully violated my rights and that I could bring charges against you immediately. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of inaacurate information, I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2021-11-10
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: JPMORGAN CHASE & CO. (NY)

I agreed to purchase some goods from a vendor in a certain timeframe, which was guaranteed at the time of purchase. When the goods did not arrive, I emailed the vendor in advance of the deadline reminding them of our agreement. The goods still did not arrive by the deadline we had agreed at the time of pirchase. 

The Fair Credit Billing Act, 15 U.S. Code 1666, ( b ) ( 3 ) defines a billing error as " A reflection on a statement of goods or services ... not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. '' I complained to my credit card company about this billing error and forwarded copies of the emails which demonstrated the agreement made at the time of the transaction and how it was breached. I pointed out to the card company that the vendor had accepted responsibility for the billing error and wrongly offered me a 50 % refund of my money- which I refused. 

However, Chase Card Services refused to accept that this was a billing error and wrote to me to say " We found no evidence of a billing error based on our research. '' This conclusion was reached even though the vendor had admitted the billing error This is the second time is as many months that Chase has refused to accept an obvious billing error as a billing error. After I complained to you on the previous occasion, Chase immediately reversed its initial decision and accepted the previous complaint as a billing error. They will do the same here. The basis of this complaint is that Chase is SYSTEMATICALLY avoiding legitimate billing errors.
Consumer complaint received 2023-01-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

In XX/XX/2022 Mr. Cooper advertised that if you had financial troubles you could get a deferred plan to not make mortgage payments for 3 months with an option to extend to 6 months if needed. The monthly payment plan would increase from {$550.00} ( approx ) to {$640.00} ( approx ) per month to cover insurance and tax payments ) The remaining mortgage amount would then be deferred to the end of the mortgage date. 

I agreed this was the plan I desired. My forbearance plan was for XXXX, XXXX, and XXXX of 2022. 
When my end date approached, I tried to resume my mortgage payment but Mr. Cooper would not accept my payment unless I paid the full amount of the last 3 months ( approx {$2100.00} ). 

I informed them this was not the plan I agreed to. Talking to XXXX at Mr. Cooper today she informed me that the deferment had not been applied for, thus I owed this money at the end of the forbearance plan. 

I had received ABSOLUTELY no information on this and had been assured in XX/XX/2022 that everything was complete. 

I feel the company misrepresented the information that was provided to me and believe this may be a scheme to foreclose on my property to harvest the equity ( approx {$28000.00} ) from my home, although I can not prove this, of course.
Consumer complaint received 2018-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

I'm sure I am not the only one affected by this, but Coinbase ( virtual currency exchange ) had a glitch that incorrectly reflected the price of bitcoin cash XX/XX/2017. After my market order had been executed for {$5000.00} per coin, the company froze trading and the next day the price had been corrected to the normal price. The company says it is investigating insider trading but has made no effort to fix this with customers. 

I placed a ticket the day after and have spoken to support multiple times. They say they are overwhelmed with tickets and have assigned a specialist to review my case. A few days ago I found out my case had been closed with no resolution. 

I believe a severe case of market manipulation and should be investigated. I would like the money that I lost from this exchange refunded.
Consumer complaint received 2023-07-14
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

From XXXX XXXX XX/XX/2023 my PennyMac mortgage account was reported as a late payment when the loan was in a modification status. Upon approval of the modification a silent second was used to make the account current and the credit report was not updated. The mortgage account was closed with a full payment of the loan on XX/XX/2023. This dispute is to have the late payments corrected to current with a note of loan in modification status.
Consumer complaint received 2023-01-23
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I DISCOVERED THAT SOMEONE OPEN A CREDIT CARD ACCOUNT WITH MY PERSONAL INFORMATION XX/XX/2023, I REACHED OUT TO CAPTIAL ONE FRUAD DEPARTMENT AND THEY SAID THEY WILL DO A INVESTAGATION WHICH HAVE NOT BEEN CONDUCTED IN A MANNER FOR MY SAFETY AND PROTECTION, THEY CALLED ME, EXCUSE ME THEY HARASSED ME AND INSIST THAT I GAVE THEM INFORMATION I DONT HAVE .. ALSO I ADDRESS THAT I WILL LIKE TO HANDLE EVERYTHING IN WRITING SO NOTHING WILL BE USED AGAINST ME. THEY WAS VERY RUDE IN A SENSE THAT I WAS BEING ACCUSED AND ATTACK FOR MAKING A CLAIM...
Consumer complaint received 2020-03-02
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: EQUIFAX, INC. (TX)

ftc violatons XXXX  XXXX XXXX  equifax will not let me login to the accounts On XX/XX/2019, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products.
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (TX)

In XX/XX/XXXX I paid the loan off in full. I called in XX/XX/XXXX to  have the company report the account paid in full and closed. Instead, the company reported the account closed, {$0.00} owed, and 30 days past due. I was never 30 days past due.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (WA)

XX/XX/23 : XXXX M & T Bank to close checking account. I no longer live near any physical branches and do not have any checks, so I was told to update my residency address with the bank and call back in XXXX weeks to order a debit card so that I could make a transfer of the remaining balance in the account in order to close it. 

XX/XX/23 : XXXX M & T Bank to follow up my call from XX/XX/23 and to request a debit card. Was again asked if I could come into a local branch. When I said I no longer lived near any branches, I was told my address had not been updated and to call back in another XXXX weeks.
Consumer complaint received 2023-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (NY)

Debt collector knew by the name XXXX XXXX. XXXX, phone number XXXX, has attempted to communicate via telephone repeatedly at unusual and inconvenient times as outlined under Code of Federal Regulation ( CFR ) Title 12, chapter 10 subpart B subsection 1006.6 ( b ) ( 1 ) ( i ) ( ii ) and FDCPA subsection 805 ( a ) ( 1 ). I have no business with XXXX XXXX. XXXX  directly or indirectly which makes them a third party. XXXX XXXX. XXXX  's unwanted communication with me is a violation of 12 CFR 1006.6 ( d ) ( 1 ) and 12 CFR 1006.10 ( a ) ( 1 ) because I never gave XXXX XXXX XXXX my location information or permission to contact me. These are also violations of the FDCPA subsection 804 & 806 ( 5 ) respectively as well as 12 CFR 1006.14 ( a ), ( b ) ( 1 ), ( 2 ) ( i ) ( ii )
Consumer complaint received 2023-05-12
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. (CA)

XXXX XXXX Bank is falsely reporting a credit card in my name on my credit report with an open date of XX/XX/XXXX with a charged off amount of $ XXXX reporting XX/XX/XXXX. I disputed the account first with XXXX XXXX, my long time Bank back in XXXX of XXXX and also disputed the false reporting with XXXX, XXXX and Transunion in XX/XX/XXXX. After an initial denial of my dispute, my research led me to discover my rights being violated in accordance with the Fair Credit Reporting Act 15 U.S.C. Sec. 1681i ( a ) If there is no proof delete item. This false reporting has also violated my rights in accordance with 15 U.S.C. 1681 section 602 I have a right to privacy and section 604 A consumer Agency can not furnish an account without my written instructions. No proper investigation occurred which is a violation of my rights in these acts. I have been trying to get this off my credit reports for 6 months now and this false reporting has made it impossible for me to obtain loans or financing to care properly for my family and myself. I have sent three letters to XXXX XXXX, called on the phone and have disputed the account to the credit reporting agencies, with 3 letters and online disputes through each agency as well. It has been a frustrating experience to say the least.
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: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (GA)

I was contacted by text message XX/XX/19 at XXXX AM from XXXX stating FRM : XXXX- Call XXXX SUBJ : Crucial Information. MSG XXXX # XXXX. I called this number and later realized the initial greeting stating " People 's United Bank   XXXX XXXX  ''. A recording advised my account was suspended and needed to be reactivated. I was on the phone for about 2 minutes and the automated system asked for my bank card number and social security number. I became suspicious and immediately hung up. I then called XXXX ( the number on the back of my card ) and they were not aware of any security breech, the bank was also unable to locate the number I was texted XXXX. The representative called the number as well and indicated that this company is not affiliated with XXXX.
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (TX)

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 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 2019-12-21
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: National Credit Systems,Inc. (CA)

I sent dispute letters for the inaccurate accounts to be removed from my credit report on XXXX/XXXX/2019, XX/XX/XXXX/2019,XX/XX/XXXX/2019, XXXX/XXXX/2019 and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " XXXX XXXX. XXXX '' and it should have been deleted per Section XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). I also sent a letter with Section XXXX XXXX a ) ( XXXX ) ( A ) to show me the physical documents and they have not.