davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have these accounts that are not mine and i want them to be removed from my credit re

port. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX  This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX  Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-08-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MD)

I was given a house modification, supposedly, but after the processing, the mortgage payment was not abated nor was the interest of the loan of 6.25 % lowered. After the government 's moritorium to help homeowners during the pandemic, the mortgage payment was given to me to be {$1400.00} or so each month. I never missed a payment, even while the company was supposed to help with a modification.. The house payment was not lessened as I thought it would be. Just a few months ago, 2 months, I received notice that the house payment beginning in XX/XX/XXXX, would be increased to almost XXXX per month!!!! This company has not helped me. Further, when I called a representative of the company whose name I wrote down, to keep the present payment as and allow me to pay for taxes myself to keep the payment as it. I asked why the monthly payment was raised, also, and was told that there was an escrow deficient PLUS higher taxes ... .all causing the nearly XXXX monthly house payment to rise from XXXX!!! I had tried to try refinancing JUST BEFORE THE LETTER CAME ABOUT THE INCREASE I XXXX. Strange to me. If I am not correct about the situations about this lender 's actions, I need to see that in writing but.. if I am the victim, here, help me!
Consumer complaint received 2021-08-10
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. (GA)

Trans Union continues to report a fraudulent account and various inquiries I have not authorized. I have already placed a fraud alert on my credit files but it has not stopped someone from applying for credit. I have supplied Trans Union with an identity theft affidavit, as well as, a letter requesting the fraudulent information be removed. Trans Union has not acknowledged my concerns or handled my dispute properly. I AM A VICTIM OF IDENTITY THEFT. This matter should not be handled by the E-OSCAR system. This fraudulent account and these fraudulent inquiries need to be removed immediately.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've been disputing an incorrect item on my Transunion credit report. I send my letters by certified mail and Transunion delayed the receipt of the letters each time by three weeks. I believe they delay acceptance of the certified letters so they can get around the 30 days maximum investigation time. Transunion sends me generic letters that say they verified and updated my account without investigating it at all and without even addressing my dispute. It's just a generic again and again. They have not only avoided a doing reasonable investigation of my dispute but they exceed the 30-day time limit as well.
Consumer complaint received 2021-07-27
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. (OH)

A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (LA)

I received a XXXX XXXX membership charge on my card for {$100.00}. I didnt authorize nor request this charge. I contacted XXXX to have the payment canceled and XXXX had no records of a payment. I was told to contact my bank and dispute the charge by XXXX. I contacted navy federal and disputed the charge. My fraud claim was denied.
Consumer complaint received 2021-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Since we began services with PayPal 5 years ago, while trusting this company with my personal and business funds, on XX/XX/2021 PayPal has obstructed our businesses. Prior to this, my businesses were using PayPal with no issues. Come XXXX I tried to transfer funds from my PayPal to my bank account and was unable to. I called PayPal and the customer service agent told me I shouldn't worry, that it was only a measure they took and needed additional information. I quickly provided PayPal all the information requested and waited a few days and received no response. Transactions were still processing into my PayPal account. Days later, I receive a call that completely startled me, I was told that my account has been limited for 180 Days! That all funds in the account were on hold and non transferrable. This was the start of a large downfall for my businesses. As well as much financial troubles for my family and continues to be. We had multiple 5 figures in the account that was needed for cash flow. All orders have been delivered promptly, I provided tracking for all orders. It has been several months now, and I am still unable to access these funds. This is taking food out the mouths of my family and disabling me from paying my rent. I understand to PayPal this sum of money may not be significant, but in my situation this put me on the verge of bankruptcy. If I am unable to have access to these funds soon, then not only my business will collapse, but my family will continue to suffer. I have not abused PayPal 's services in any way, this must be a mistake. I have reached out to PayPal several times, but there is no response. PayPal closed my account for no clear reason and has left me with no clear way forward. My email linked to my PayPal is XXXX. UPDATE : After waiting a full 180 days PayPal transferred themselves all the funds I have waited months for. However to my last filing they stated they will return all funds after 180 days. PayPal first held my funds and now embezzled them. I want my funds back PayPal. I will be joining a class action law suit against PayPal with XXXX XXXX XXXX. PayPal my family needs my funds returned immediately.
Consumer complaint received 2021-08-10
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. (NV)

In XXXX of XXXX, I purchased a golf simulator from XXXX XXXX XXXX 

The financing was through XXXX/XXXX - XXXX In XXXX - of XXXX I convinced XXXX XXXX XXXX to return the product due to defective performance which they agreed to accept the return. 

so they took the return but didn't refund the entire amount and left a balance of around {$150.00} bucks on the XXXX financing that I was not aware of and then I got a reporting of 60 days late in XXXX of XXXX. I spoke to XXXX and they said the entire amount was in fact refunded but weren't aware of why the little balance was remaining and that it must have been a charge from XXXX. XXXX said it wasn't one of their fees but rather, XXXX had requested a refund for the incorrect amount. 

The transaction was reversed completely and therefore this remaining balance that I ended up paying to prevent a 90 day late should have never been left on the account. I also lost out on the payments I made for 6 months to XXXX for the financing or so on the product even though the transaction was reversed and the product refunded. 

The financing was for {$2800.00} and opened on XX/XX/XXXX. 

Also, the reporting is not accurate as it just has a 60 day late listed in XXXX of XXXX but never had a 30 day late listed. The 60 day late is listed on my XXXX  and Equifax and not XXXX.
Consumer complaint received 2022-04-18
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)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

After formal letters and calls to the three credit reporting agencies of XXXX, Equifax and XXXX they continue to report inaccuracies and have violated my rights as a consumer. This has caused me great financial harm as a consumer and my ability to contribute to the economy. There was not sufficient information nor proper information in response and lacked validity of debt. I have tried to work out with them directly but automated answering services and failed responses from the US mail now well over 90 days have continued to cause me harm and violate me as a consumer. 

First letter was mailed on XX/XX/XXXX and failed to comply with investigated results within the 30 day time frame. I then sent a follow up letter on XX/XX/XXXX via certified mail. 

THIS IS XXXX XXXX. XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY!
Consumer complaint received 2021-08-10
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. (NV)

In XXXX of XXXX, I purchased a golf simulator from XXXX XXXX XXXX 

The financing was through XXXX/XXXX - XXXX In XXXX - of XXXX I convinced XXXX XXXX XXXX to return the product due to defective performance which they agreed to accept the return. 

so they took the return but didn't refund the entire amount and left a balance of around {$150.00} bucks on the XXXX financing that I was not aware of and then I got a reporting of 60 days late in XXXX of XXXX. I spoke to XXXX and they said the entire amount was in fact refunded but weren't aware of why the little balance was remaining and that it must have been a charge from XXXX. XXXX said it wasn't one of their fees but rather, XXXX had requested a refund for the incorrect amount. 

The transaction was reversed completely and therefore this remaining balance that I ended up paying to prevent a 90 day late should have never been left on the account. I also lost out on the payments I made for 6 months to XXXX for the financing or so on the product even though the transaction was reversed and the product refunded. 

The financing was for {$2800.00} and opened on XX/XX/XXXX. 

Also, the reporting is not accurate as it just has a 60 day late listed in XXXX of XXXX but never had a 30 day late listed. The 60 day late is listed on my Transunion and XXXX and not XXXX.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (SC)

I checked into a hotel, XXXX XXXX XXXX, on XX/XX/2021. They required a room deposit of {$350.00} at check-in. I then placed the deposit hold on my Ace Elite Prepaid NetSpend Card. I then checked out of the hotel on Friday XX/XX/XXXX. When I checked out I had a XXXX balance due because No Charges were made to my room! The hotel said the {$350.00} would be released within 24 hours, but when it goes back into my account is based on my bank. 

It is now XXXX the XXXX and NetSpend has yet to release the hold and refuses too!, I even e mailed them 2 different portfolios from XXXX showing that I have a XXXX balance due, and they still wont release it! I am beyond frustrated!!!!! Its been over 2 weeks since I checked out!! If money were due, the hotel would have taken it long before now. I have been with NetSpend over 10 years and have deposited over {$500000.00} into my account with this unethical company. I want my money. Period!
Consumer complaint received 2021-08-10
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (CA)

I started an application for a Reverse Mortgage with Reverse Mortgage Funding LLC, XXXX, NC XXXX in XX/XX/2021. The process went smoothly until it went to the underwriters. Title company asked for many unimportant documents which I did send. On XX/XX/2021 I did get a phone call from Mr. XXXX stating that their lawyer has indicated the loan should go forward. However, it did not. I sent RMF a letter on XX/XX/2021 to Mr. XXXX XXXX requesting an approval or denial in seven ( 7 ) days for my reverse mortgage loan. I have not received a response. 
To date I am unaware of the status of my reverse mortgage loan.
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Upstart Holdings, Inc. (NC)

In accordance with 15 U.S.C 1681i, I am contesting the accuracy of the alleged late payment history. Under Section 3, I am requesting that this information be removed from my credit history. On the XXXX of XXXX, I wrote a letter to the debtor requested the reinvestigation of the validation of the negative marks that are appearing on my credit report. This alleged debtor has failed to validate the alleged misinformation and I am seeking self remedy to get this matter resolved. In accordance with 15 U.S. Code 1692d, this company is in violation of engaging in the conduct the natural consequence of which is to harass, oppress, and abuse in connection with the collection of a alleged debt. This company has repeatedly attempted to collect on an erroneous debt has has threatened, the my reputation. Under 15 U.S. Code 1681c1, this alleged debtor has continued to furnish my consumer information and use my identity without my written consent and I would like for this information to be removed from my credit report immediately.
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Credit Management is a collection agency who doesn't have a contract bearing my signature showing that I owe them money or a contract that shows that this account is reported accurately. I asked for a contract bearing my signature showing that I have a legally binding contractual obligation to pay them and they have failed to provide me that. I have sent a debt validation twice to this company and they have failed to provide me with any documents. Also I asked for this to be removed from my credit report immediately. I have attached my debt validation letter and Midland Credit Management response.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (UT)

I have sent several letters to the bureaus and have received nothing from them. I have checked for any updates and nothing has been done. I really need erroneous items removed to move forward with a home loan please remove.
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (MI)

current bANK has stolen {$4.00}, XXXX  from me i have proof attached is conversations between ; current bank and i as well as XXXX XXXX and i. i will be seeking a lawyer to prosecute all parties named will be held personally accountable for their role in this debacle of my livelyhood. THE MESSAGES MAKE IT VERY CLEAR THAT THEY HAVE TAKEN MY MONEY THIS IS A RECORD THAT WILL BE HELD AS PRIMA FACIE EVIDENCE IN COURT!
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: M&T BANK CORPORATION (NY)

i Made a Payment Today {$40.00} at The M & T Bank Located XXXX XXXX XXXX, XXXX  XXXX, NY XXXX for some reason the payment did not post to my Credit Card account and i am very Upset about this and my Payment is Due XX/XX/2021. 
and for some reason customer care cant see the payment on my credit card account ending XXXX
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (OH)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Forebearance Program Release Delayed Since XX/XX/XXXX Have made 5 consecutive payments made since XX/XX/XXXX Paperwork recieved XX/XX/XXXX to release me from program-still not released XXXX requested a max complaint to expedite release of forbearance program XXXXstill no response to my release Paperwork Sent Issue : Have called 5-7 times from XX/XX/XXXX to get paperwork sent. 
Paperwork sent- Huntington Bank would not except signature Huntington Bk sent out paperwork with wrong name, ( someone else 's paperwork ) Sent out new paperwork, notarized, Huntington Bank received- XX/XX/XXXX 8 weeks since XX/XX/XXXX, still no release from forbearance program, delaying my refinance efforts, can not move forward with a refi. 
Requested a Loan payoff quote : XX/XX/XXXX requested payoff quote, current balance on mortgage does not reflect any monthly payments, they have not been applied, can not get true loan amount to refi XXXX, stated they will fax to branch, XXXX IL ( Can not email or give verbally ) XXXX, no fax XX/XX/XXXX, still no fax, requested another max complaint be issued to for Homesavers dept to process my paperwork to release me from forbearance program and issue final mortgage balance. 
Trying to refi since XX/XX/XXXX, can not due the incompetency of Huntington Bank!
Consumer complaint received 2021-08-11
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: SCA Collections, Inc. (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ARVEST BANK GROUP, INC. (AR)

District Court of XXXX County XXXX, AR Judgement of unverified and disputed debt XXXX XXXX XXXX XXXX was filed by 2 judges signing an order to distribute funds without proof of debt, nor process server receipt of service, nor right to hearing or trial to prove/disprove alleged debt unverified, no documents filed by plantiff of any kind including answers by garnished, dispute of inaccurate info owing debt was ignored by all court parties and garnishee & objection to garnishment hearing was denied in order to object it, negotiate if necessary, challenge unverified judgement, & negotiating alleged 2 debts in the judgement was never an option. Nor consent given to garnish wages, nor any receipts of garnishments made paid to either of alleged debts as required by me to assign if they existed and they do not. 

Magistrate judge, city attorney, clerk 's, & other judges violated in using XXXX  XXXX XXXX XXXX wire transfers to Michigan and deposited in Arkansas & 15 USC sect 1672. 

Wages exempt were garnished. Loss of information by denial and without filing required documents causes inability to use required materials to determine damages & loss of profits, proof of payments were made to either of the 2 fake debt accounts by XXXX required payment from Michigan to be made in XXXX county at their p.o. box address in XXXX XXXX, Arkansas. 

No direct deposit authorization was given.

8th amendment requires REVIEW before going through with garnishment.

No right to counsel or appeal.

Error of law & abuse of discretion by judges. 

Loss of rights to injunctions against any labor organization fees unlawfully deducted, unpaid minimum wages or overtime wages, unemployment insurance withheld by state and the federal cares act funds, forgery & FRAUD CHARGES existing, title III established of conspiracy satisfied, & stop of garnishments without any explanation or balance calculated from payments deducted by garnishment establish theft.