davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

I refer to my earlier complaint # XXXX and the Mortgage Service Company 's response, which is attached. 

It is alarming that the Mortgage Insurance company " XXXX XXXX '' is engaging in two confusing tactics in order to achieve foreclosure on this property : 1- On the one hand XXXX states that it will not approve a short sale because I had purchased another home prior to default. 
2- On the other hand, XXXX engaged in the short sale negotiations in XX/XX/XXXX and stated it won't accept less than {$390000.00}. 

XXXX XXXX is negotiating in bad faith. It can not hang its hat on the rationale that I ( the borrower ) am ineligible for a short sale loss mitigation because I bought another home prior to default, and in the same breath provide a counteroffer of {$390000.00} to the {$380000.00} buyer offer. Furthermore, Mr. Cooper has done its own independent appraisal which valued the house at {$380000.00} in XX/XX/XXXX. 

On the issue of defaulting on the payment after I purchased another home. This is totally coincidental. I had vacated the property in question - the Maryland  Property - in XXXX of XXXX. The property has been rented out to at least 3 tenants until XXXX of XXXX. In XXXX of XXXX, I moved to Florida  in search of a lower cost of living and was able to find employment and bought a primary residence which closed in XX/XX/XXXX. After my last tenant vacated in XXXX of XXXX, I re-listed the Maryland  Property for rent and continued to pay the mortgage for XXXX, XXXX, and XXXX of XXXX. I had no intention to default. Unfortunately, we could not find a new tenant - this is all documented. So, the claim that I purchased a home and decided to default after that is bogus and sophomoric - it is all coincidental. I have documents to prove that I re-listed the house for rental and or sale and continued to pay the mortgage for 3 months in hopes to attract a tenant. 

XXXX can not use the rationale of my having purchased another home before defaulting. The XXXX Property was rented out for 6 years before the default. I had moved to two different states in search of employment ( California  and Florida  ). My last tenant just happened to move out at the same time that I purchased a home. I did not purposefully default. 
As for the counteroffer price of {$390000.00} it is not achievable. The price offered of {$380000.00} agrees well with the independent appraisal completed by Mr. Cooper in XXXX of XXXX which valued the home at about {$380000.00}. Other real estate valuations were done and show a market value of {$370000.00} to {$380000.00}. These other opinions were also forwarded to Mr. Cooper. 

Mr. Cooper as a fiduciary agent of XXXX should reach into XXXX 's upper Management and request a realistic review of this situation.
Consumer complaint received 2020-03-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TRANSWORLD SYSTEMS INC (NJ)

This is follow up to Complaint # XXXX! 
XXXX continues to push this matter to new collection agencies despite my previous communications with CFPB, XXXX and several successive collection agencies. This matter was fully resolved. The attached document from Transworld Systems Inc., XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX, is further harassment on a debt that is not valid. see excerpt pasted below from first complaint. 
" In XXXX of 2016 I returned XXXX XXXX for end of lease. Prior to lease i had aninspection which determined tail light crack and damage to tire. i had both of thesereplaced prior to return. In early 2016 toyota billed me for damages to car. i called, submitted my proofs and was told this matter was resolved and had assumed it was. nowalmost two years later XXXX submitted my account to a collection agency XXXX XXXX, XXXX. This matter was resolved almost two years ago and i consider this harassing.. it is veryapparent that they prey on consumers after they expect their records to be long gone. thecollection agency has no fax and does not provide a prepaid postage to respond. another harrassing feature. ''
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX Responsibilities of furnishers of information to consumer reporting agencies. 

Section ( F ) reporting information during XXXX pandemic ( i ) Definition in this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer XXXX or more payments, make a partial payment forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease. 

Covered period The term Covered Period means the period beginning on XX/XX/year> and ending on the later of___ 120 days after XX/XX/year> ; or later or 120 days after the date on which the National Emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/year> under the National Emergencies XXXX ( XXXX U.S.C. XXXX et seq. ) Terminates.
Consumer complaint received 2022-12-29
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance : {$16000.00}
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NY)

Received a credit monitoring alert indicating that I had reached a settlement with a creditor. This is incorrect. I never agreed to any sort of settlement and my account is paid on time every month. This has negatively impacted my shore and creditworthiness
Consumer complaint received 2021-03-12
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: U.S. BANCORP (TX)

In XXXX of 2020, I purchased a XXXX AntiOxidizer ( Enagic XXXX THE MIGHTY XXXX ANTIOXIDIZER ) system from XXXX XXXX, paying a total of {$5400.00}. The machine was purchased due to XXXX XXXX representation that the product would produce Hydrogen-rich water. I was also interested in obtaining water that would be sufficiently alkaline to emulsify oils. I was told to give the machine a few months in order to see results ; however, when I was able to test it, I used the XXXX Hydrogen Test Reagent ( these are the industry standard drops for testing the levels of hydrogen in the water ) to test the hydrogen levels in the water. Although the XXXX XXXX XXXX states that XXXX PPM is essential for optimal hydrogen absorption, the test of water produced by the XXXX machine revealed a Hydrogen level of only XXXX PPM. I also performed an alkalinity test which revealed only a XXXX. On or about early XXXX late XXXX of 2020, I contacted Enagic via online chat in an effort to resolve the matter. The representative with whom I chatted did not deny that the product did not produce the highly alkaline, hydrogen-rich water promised but merely said that XXXX would not take back the machine because its use provides other health benefits, refusing to take back the machine and associated supplies. Afterward, I contacted the credit card company and filed a dispute because the product I received was not that which was promised and was unable to resolve the matter with the seller despite good faith efforts to do so. Even with the current state of the pandemic, I acted in a timely manner at every step : in testing the water, in contacting XXXX to resolve the matter, and finally in filing a dispute with the credit card company. The credit card company simply wrote me back and stated that I missed the timeline for a dispute. I explained to them that this was not a matter concerning time but not receiving the goods promised by XXXX. The credit card company is still taking money out of my account and has no plan to protect their consumers from merchants conduct that falls under a violation of the Texas Deceptive Trade Practices Consumer Protection Act ( XXXX et seq. of the Texas XXXX and XXXX XXXX XXXX because you exercised false, misleading, or deceptive acts or practices in the conduct of trade or commerce by : XXXX. Representing those goods that have characteristics, uses, benefits, or quantities which they do not have ; XXXX. XXXX. Advertising goods with intent not to sell them as advertised ; and/or XXXX. XXXX. Failing to disclose information concerning goods that were known at the time of the transaction if such failure to disclose such information was intended to induce the consumer into a transaction into which the consumer would not have entered had the information been disclosed.
Consumer complaint received 2020-03-28
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/2019 transactions all XX/XX/2019 credits total {$470.00} ARE REVERSED See attached XX/XX/2019 STATEMENT XX/XX/2019 ( NEW ADDITIONAL CHARGES OF {$470.00}. ) WHY?
Consumer complaint received 2020-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I need your help! Portfolio Recovery associates, LLC is committing multiple violations to the Fair Credit Reporting Act and this is hugely affecting me. Damages are : legal advice expenses, not being able to obtain loan, emotional stress. legal advice expenses, not being able to obtain loan, emotional stress. Two serious violations are : 1. Reporting an incorrect opening date 2. Post charge-off interest. Please forward the attached documents to Portfolio Recovery associates, LLC. Thank you so much. 


PLEASE FOWARD ATTACHED DOCUMENTS TO TO PORTFOLIO
Consumer complaint received 2022-08-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC (UT)

Waypoint Resource Group # XXXX is reporting a collection to my credit that I no longer owe. This is past the Statute of Limitations in Utah and I no longer legally owe this debt, I would like it removed off of my credit report.
Consumer complaint received 2023-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX 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 section 2 : it also states a
consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd. (OR)

On XX/XX/XXXX - I returned a water cooler dispenser and was promised a {$200.00} credit by the collection agency Collection Bureau XXXX XXXX ( see email on XX/XX/XXXX ) if it was returned. XXXX XXXX ( XXXX  ) who owned the equipment and was the original creditor picked it up I have sent emails to XXXX XXXX and then they tell me to contact to Collection Agency. I am getting the run-around and have yet to see the credit promised
Consumer complaint received 2024-04-16
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have bought a ticket for myself and my girlfriend with my capital one credit card for our flight on XXXX XXXX from XXXX to XXXX XXXX, with XXXX XXXX XXXX XXXX instructed us to be at the airport XXXX hours prior to the flight, we arrived XXXX hours prior however XXXX lane took us over XXXX hours to clear, and we had to miss out flight, and trade show I was attending to, my investment on trade show as well as hotel stay is lost. 

XXXX XXXX manager on duty at the XXXXXXXX XXXX was witness and she said she will help us get a refund, I emailed her, she again said on the email she will try her best but nothing. 

I have filed dispute with my credit card, and my credit card did not fight for me. My credit card company supposed to protect me but they failed to show effort. I have sent them the email between me and spirit airlines manager on duty, and they said " XXXX didnt agree, she just said she will try her best ''
Consumer complaint received 2020-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NC)

PNC Bank in XXXX, North Carolina, has closed its doors and requiring locals to drive between 12 and 18 miles to go to an open branch. They are using Covid 19 as an excuse. Consequently, the elderly, the working poor and those without transportation are now precluded from conducting financial transactions. Exactly how can people deposit the stimulus checks when the bank is closed.
Consumer complaint received 2020-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

This company, Credence Resource Management is trying to collect a debt that is not owed. Years ago, I had an account with XXXX XXXX. The account has been closed and paid in full. After closing the account, we were hit with Hurricane Harvey and there was a delay in the equipment being returned. Since then, the debt has been cleared up and has a XXXX   balance. This is the 3rd company that has now tried to make me a pay a deb that isn't even valid for XXXX XXXX. Please note that I also was an XXXX XXXX service member when the contract was cancelled and that was the reasoning in cancelling contract. This debt is bogus.
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc. (MN)

I have an XXXX XXXX XXXX debit card account. I have had the XXXX XXXX XXXX account for over 4 years. I am having issue using Ingo Money to cash a mobile deposit check on the XXXX XXXX XXXX mobile app. I need access from Ingo Money to mobile deposit and cash my checks on the Ingo Money app. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX
Consumer complaint received 2020-03-23
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward. I just got a duplicate drivers license and copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts open that I am not nearly familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$240.00} XXXX XXXX   XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$68.00} XXXX XXXX   XXXX {$460.00} XXXX XXXX XXXXXXXX XXXX {$450.00}
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is reporting a debt on my credit file that I do know owe. This debt has been paid a long time ago, and I'm not sure why it's even in collection status. this is erroneous! This needs to be deleted.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THIS ACCOUNT HAVE NO MONTHLY HISTORICAL DATA YET PLACED IN COLLECTION BY NOTE? WHEN DID THE ACCOUNT GO INTO " ALLEGED COLLECTION ''? WHERE IS THE MONTHLY INFORMATION? ACCORDING TO COMPLIANCE PROTOCOL YOU MUST DELETE IMMEDIATELY.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXl XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 complaint received 2020-04-02
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: Experian Information Solutions Inc. (MD)

I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make these charges .i ask that the items be deleted to correct my credit report .i reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal trade commissions identity theft affidavit. please delete the items as soon as possible.
Consumer complaint received 2023-05-06
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. (MS)

I appreciate your assistance in REMOVING a piece of the data in my credit file that resulted from FRAUD, however, I have an item passed on that should be removed or banned. According to FCRA section 605, credit bureaus are required to delete any records found on an ID THEFT REPORT. I proactively remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-16
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: U.S. Collections West, Inc. (AZ)

Hello, today XXXX I received a call from XXXX XXXX about a collection owed, I told the person I would pay the remaining debt off but things came up to where I couldn't. I told him I can pay him {$100.00} on Friday XX/XX/2024, he proceeded to tell me that instead he is going to have his lawyer file a law suit. I was telling him stuff happens and I am a single mother of XXXX children and could not pay it all off at one time, he talked to me and threaten me to file a lawsuit and it made me cry because I am already getting garnished and for him to talk to me like that was unacceptable and he hung up in my face. The company is XXXX XXXX XXXX
Consumer complaint received 2021-03-12
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. (OH)

I contacted self financial on XX/XX/XXXX regarding the closed account XXXX reporting to the credit bureaus. The account was being reported as 60 days past due. I requested for them to remove all late payments and update the account as current. I received an email from them on XX/XX/XXXX approving my request. 

Well, self updated XXXX and XXXX as agreed but did not update equifax. Instead, a late payment for XX/XX/XXXX was added to my equifax report. This was impossible because because the account closed in XX/XX/XXXX. 

I sent them several emails requesting that equifax be updated as discussed and agreed, I got no response. I made a phone call and was told someone would call me back, no one did. 

On XX/XX/XXXX I received and email from self advising that another correspondence was being sent to the credit bureaus to updated my account accurately. Well, thats not what happened. 

The late payment were added back to my experian report and the late payment for XX/XX/XXXX was still showing on my equifax report. 

I called again and no one would help me. I sent another email and received no response