davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (TX)

I went into a store that was still XXXX and XXXX Colorado on XXXX XXXX around XXXX or XXXX of 2020 and paid cash for a phone and had the receipt and still do. But whenever I mentioned I had to receive that was whenever I contacted XXXX multiple times, tried to go to the store immediately after finding out only to find out that the store have been shut down due to a XXXX XXXX and never reopened because they were shortly bought out by XXXX. I have discussed this issue with rent multiple times before and after they were bought out by XXXX getting hung up on or told I would call back by somebody that would be able to help, XXXX  has not been able to help either. The charge is for a cell phone that I sent in to get replaced and never got back so not only were they able to still almost {$400.00} cash and ruined my credit, but they were able to still an entire phone from me as well. Like I said I do have proof of all this as well as well as the receipts. I have even contacted and disputed the charge with XXXX XXXX but they said that the charge is verified even though I have attempted multiple times to get them to prove my debt, knowing that they won't be able to as I have the receipts of the pay bill
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

According to 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide validation information upon request. If they havent done so, you can use this as a basis to challenge the validity of the collection. 

12 CFR 1006.34 ( c ) ( 4 ) ( i ) outlines the dispute process, which should be provided to you before any negative information is reported to consumer reporting agencies which is didnt. 

I would like to see the information between the debt collector and original XXXX  XXXX
Consumer complaint received 2023-01-01
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. (CA)

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 instruction.
Consumer complaint received 2023-01-01
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. (CA)

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 instruction.
Consumer complaint received 2021-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (NC)

in XXXX, I learned that a collections agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, had place in account in my name with XXXX or more of the credit bureaus. On XX/XX/XXXX, I sent an email for verification of the debt to the collection agency. 

I did not receive a response, I then subsequently sent a follow-up email on XX/XX/XXXX, XXXX and learned that the collection agency blocked me from further contacting them by email. 

I have sense been trying to call them, they informed me that the account was being handled by one of their subsidiaries, XXXX XXXX XXXX. I reached out to to this subsidiary in order to try and remove this debt. For the most part, the communications have not been put into writing. 

I informed them that in an effort remove this debt as quickly as possible, I was willing to offer a settlement. At first my offer was accepted and payment was made by check on XX/XX/XXXX. A week later on XXXX, XXXX, I received a phone call requested payment again. I informed the company that I will not be giving my payment information twice and disconnected the call. 

I contacted XXXX, to dispute the debt but nothing was done, and they unwilling to provide what verification they received to include the debt on my account. 

I am reaching out to file this complaint because I feel that this company, haven't not provided verification of the debt and requesting double payment, is making an effort to obtain payment that it is not owed.
Consumer complaint received 2024-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (OH)

I reached out to Mr. Cooper customer service to request their process of getting my PMI Removed. Upon speaking with a representative they informed me that I needed to pay XXXX for an assessment which I did. The evaluation was not provided to me until i reached out and was riddled with errors to which the next representative I spoke with stated that I should have completed the full appraisal which I informed her that I had not been given that option and if I had, I would have pursued that route as my property is unique in nature. I asked that I be refunded the XXXX I paid and would have like to move forward with the full appraisal. She stated she would discuss with her manager and have them reach back out to me, but I was never contacted. I reached out again to discuss the same issue but was offered the ability to dispute their evaluation and that a manager would call me back to discuss my original issue, but I have not heard back.
Consumer complaint received 2020-03-14
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. (FL)

Experian has NO OPTIONS is NOT ADA ACCESSIBLE FOR XXXX. see attactched corrected report # XXXX for XX/XX/XXXX. I have ADA tools screen reader talk back scanner accessibility. WHY AM I UNABLE TO HAVE ACCESS? Why is the law for banks not followed? see attatched ID THEFT REPORT XXXX sent to Experian previously and denied? Why? Kindly note XXXX & XXXX XXXX  PROVIDED NO ACCESS TO RESOLVE FRAUD. Experian Provides NO ACCESS. see attatched DELIVERIES NOT MADE CRIM8NAL INVESTIGATION LETTER 2/2019. PLEASE PROVIDE WRITTEN PROOF PURCHASES WERE MADE BY ME. PLEASE SEND WRITTEN PROOF THESE TRANSACTIONS WERE DELIVERED INTO MY HAND FOR VERIFICATION OF DEBT. ADA WCAG-21 Section 508 BANKS MUST GIVE EQUAL TREATMENT TO ALL WITHOUT OR ** WITH XXXX and ** XX/XX/XXXX XXXX " effective communication rule Title I & Title II of Americans Disability Act MAKE IT MANDATORY EQUAL ACCESS TO ALL COMMUNICATION ** MEET THE DISABLED PERSONS NEEDS ) as ADA. Little man in blue ACCESS International Sign of ACCESSIBILITY. Banks and Credit Reporting Agencies NEED TO BE LEGAL. I NEED ASSISTANCE I HAVE XXXX  XXXX XXXX XXXX XXXX. What are Experians Special Needs Options? Why does Experian not follow the law? Why do they not make banks follow the law?
Consumer complaint received 2020-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

Reached out to creditors via phone described XX/XX/2017 victim of identity theft and fraud ; provided police report. To date each creditor have not reverse credit card to good standing or deleted omission 's derogatory statements from credit reports ( XXXX, XXXX, and XXXX XXXX ).
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CA)

Initiated a XXXX  year fixed rate mortgage on XX/XX/XXXX with XXXX. The loan is serviced by Dovenmuehle Mortgage , Inc . In the Private Mortgage Insurance Disclosure, dated XX/XX/XXXX was an Automatic Termination of PMI dated XX/XX/XXXX. XXXX Mortgage continued to charge {$50.00} monthly for PMI beyond the automatic termination date. In a letter dated XX/XX/XXXXXXXX XXXX XXXX informed us that PMI would no longer be collected going forward. 57 monthly payments of XXXX were collected between the automatic termination date ( XX/XX/XXXX ) and the notice of PMI termination ( XX/XX/XXXX ), equaling {$2800.00}. A certified letter asking for a refund of this amount XXXX {$2800.00} XXXX was received by XXXX Mortgage on XX/XX/XXXX. No response has been sent to date.
Consumer complaint received 2021-03-19
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. (NC)

Hello again, I am distressed to to bring to your attention the action that have taken place with Equifax. Their inaccurate and misleading credit reporting has negatively impacted my ability to obtain credit and live the common lifestyle i deserve. In addition i have presented multiple federal laws that are being violated in my case and stil havent gotten the decency i feel like i deserve, here are some -15 USC 1681 Accuracy & fairness of credit reporting -15 USC 1681 ( a ) ( 4 ) Invasion of consumer privacy -15 USC 6802 A financial institution may not disclose no public personal information to a non-affiliated third party -15 USC 1681 ( b ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it relates Please help me in this situation i feel like this is beyond my power and have an intent to litigate if the bureaus do not comply, thank you for having my back
Consumer complaint received 2024-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I'm an XXXX XXXXXXXX with a small business XXXX XXXX XXXX XXXX. A client asked me if they could pay via credit card so I set up a payment link for the first time through my Chase Business account ( which uses wepay ). The client paid and I received a confirmation email. The next day I received an email from Chase that my account was closed and the payment was frozen, there was no explanation or contact with me asking for more info, and I have no idea what I could have done wrong. I called Chase bank and a customer service representative told me that they couldn't do anything because the payment is being held by wepay not Chase, and they'll maybe send the money back in 120 days. As a small ( one person ) business this payment of $ XXXX is my only way of paying rent for my workspace and materials for the project. Wepay is effectively destroying my business and everything I've worked for the past few years in one transaction. They don't have a phone number so there's no way to contact them, and Chase bank seems to have no info about the problem. I need wepay to release the payment into my business account or refund the customer immediately so that they can send payment through XXXX or ACH.
Consumer complaint received 2021-03-19
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)

I did a loan modification with my mortgage company XXXX XXXX XXXX XXXX XXXX. I completed all the trial payments and they are reporting missed and late payments on my credit report even though I am no longer late nor have any missed payments with them. They have been reporting negativity since XXXX several times a month and it hurt my credit report a lot. I need this fixed. Each violation of the fair credit reporting act is {$1500.00} per offense and they committed multiple offences in the last few months reporting for months I wasn't even late on.
Consumer complaint received 2021-03-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NH)

I was applied for a Home Equity Credit line for my wife and I, Approximately Mid XX/XX/2020 on our Home, mostly at the behest of the bank. I had supplied all Records requested, W2 's for XXXX & XXXX Tax Statements etc. There was an RE Valuation done. With an extremely high Credit rating XXXX, Plenty of funds in banks accounts ( exceed the Home Credit line requested ) and no mortgage on the property, it seems there would be no problem.

However, The bank is demanding Tax records on a Mobile Home I am on the title for with My Daughter. This was a Mobile home, purchased for cash. Therefore, No mortgage. Also, banks do not consider Mobile Homes Mortgageable. 

I question the legality of requesting this information and also holding up the Request, as of today XX/XX/2020.
Consumer complaint received 2020-03-14
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)

In XX/XX/2020, I discovered that multiple credit card accounts were opened in my name without my knowing or authorization. upon further investigation it was obvious that I had become a victim of identity theft. Also, some years ago someone broke into my vehicle stealing a bag that contained personal documentation including birth certificate, social security card, state ID, existing credit cards and a cell phone. This information was then used to obtain new credit and resulted in the accumulation of fraud charges. I discovered that these accounts were opened in my name and want to take actions to removed these fraudulent accounts from my credit report.
Consumer complaint received 2021-03-19
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: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX, I requested for Experian to investigate inaccurate information related to the trade line XXXX ( Account Number : XXXX ) and to update or remove the account. Experian responded that they verified the account via report # XXXX. In XX/XX/XXXX, I asked for them to provide how they verified. I never info in regards to how they verified instead they verified the account again via report number : XXXX. I requested method verification again in XX/XX/XXXX, and they never provided the method of verification. I requested verification and never received verification just that they verified XXXX report number : XXXX ). 

In XXXX after back and forth with the original creditor, they provided a letter showing the tradeline is charged off. I was also told that the last payment was applied to XX/XX/XXXX and that the first date of delinquency was XX/XX/XXXX. However, Experian is reporting this tradeline as account status = " Repossesion '' and reporting a late payment each month.
Consumer complaint received 2020-03-14
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)

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DEPTEDXXXX
Consumer complaint received 2022-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent notarized letters via certified mail to the companies in question. I have proof of acceptance from all three companies. In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX BANK Account # XXXX have 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 : Also states, a consumer reporting agency can not furnish an account without my written instructions. 

My letters have essentially been ignored by XXXX, Trans Union, and XXXX.
Consumer complaint received 2019-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (TN)

XX/XX/XXXX : We were trying to buy a kitten for my children for XXXX. We found what appeared to be a legitimate, professional looking website, with names and contact information, testimonials, everything seemed above board. I submitted an inquiry via the website and they responded by text. They then emailed me photos and we agreed on {$600.00} for the cat, and {$200.00} for the delivery, as we live in different states. They requested some delivery information for the kitten- name, address, closest airport. They asked that I transfer the payment through XXXX, a service my bank, Regions, offers but I had never used before. It appears in my banking app and on my desktop online banking, right in the payments section so I simply assumed it was a credible payment method. As I had a daily limit of {$500.00}, I had to make 2 separate transactions.I sent {$500.00} on XX/XX/XXXX and the other {$300.00} went through Monday, XX/XX/XXXX. Once they received the money from the second transaction, they said the shipping company would contact me. Later that day, I received a text from the shipping company saying they were trying to arrange delivery. I said, " Great, when can I expect? '' They responded with, " There's a little problem we're facing which we need to resolve ASAP so we can proceed with delivery. We sent an email on what we're facing. '' So I checked my email to find an email saying the crate provided by the seller is very small and won't sustain the kitten throughout the flight because of the harsh weather conditions, and I need to rent a special, auto-regulated crate for {$1400.00}, which is fully refundable upon delivery of my kitten. They would send me the policy stating that it's fully refundable once I make payment. I was immediately suspicious and questioned why it was my responsibility, and not the sellers, to provide an acceptable crate. From there, I immediately knew I had been scammed, and told them so, and they told me they would be sending my money back. Yeah right. I immediately contacted my bank to dispute the transactions and alert them to the fraud. After being transferred to a few different people/departments, I was told I have no recourse, as XXXX is not protected and there is nothing I, nor Regions, could do about it. So now I don't only have XXXX heartbroken children who won't be receiving their kitten for XXXX, I am also out {$800.00}. I have been a loyal Regions customer for 5 years and do a lot of business with them. To just hear, " Sorry, there's nothing we can do, '' is not acceptable. They should not endorse a service with such lax policies and zero protection for their customers.
Consumer complaint received 2021-03-19
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: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have found several names and addresses on my credit report that do not belong to me. I have recently filed an FTC. My full name is XXXX XXXX XXXX and all variations of my name ARE NOT MINE. 
I found out my ID was stolen and someone has been using my name to open accounts, utilities, and mobile accounts. 
The following accounts are fraudulent : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-03-19
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. (IN)

it is showing that I missed a payment for XX/XX/2021 on my XXXX XXXXXXXX credit card and I have never missed a payment I have filed a dispute with XXXX, transunion and XXXX about my XXXX XXXXXXXX account ending in XXXX under section 609 of the fcra my consumer rights are being violated.