davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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: Resurgent Capital Services L.P. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LOUISIANA CHILD SUPPORT, XXXX XXXXXXXX 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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 2022-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX # XXXX Paid As Agree XXXX/XXXX  # XXXX XXXX  XXXX  # XXXX No Category XXXX  # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (IL)

I paid off my car loan on XX/XX/XXXX, but after 45 days, the account is still open in my credit reports as debt. 

After five times contact with West Lkae Financial services during XXXX and XXXX, they refused to provide a clear answer as to why the account is still open despite receiving their money. 

On XX/XX/XXXX and XX/XX/XXXX, they said they had reported to the credit agencies, but when I contacted the credit agency ( XXXX ), they said they had not been updated since XX/XX/XXXX. 

Getting paid off and keeping my account open in my credit reports is unacceptable and wrong.
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I complained to XXXX  against employer XXXX not retiring me or employing me in XXXX and in XX/XX/XXXX i was harassed by uS CBP XXXX XXXX at XXXX airport against my wishes forced to sign i-407 and prevented a XXXX settlement given to maintain wellsfargo account. a cousin XXXX dying very young in XXXX distracted me and i expended some time in XXXX XXXX. there was no reason for the criminals in us cbp to harass me and force me to sign i-407. this is the XXXX year. I could have been retired as a yogaguide in XXXX and settled in Usa with wellsfargo and suspects citigold relation i had and XXXX  XXXX offices and criminals using XXXX surname and their police and immigration authorities. They restricted XXXX from entering XXXX  and being with me and now my mother is dead and i dont know where she is or being helped
Consumer complaint received 2022-04-22
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. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (TX)

Financial Institution : Truist Issues : Account Locked, New Customer I am writing this letter as a formal notice to file a complaint against the Financial Institution, Truist. I believe their practices for onboarding New customers/clients is exploitive, unforgiving, and downright unethical. 

Recently applied and was approved for Confidence Checking/Savings account on XX/XX/XXXX. Submitted minimum opening deposit in total of {$75.00} for both accounts on XX/XX/XXXX with phone representative. Phone rep also helped process order for debit card to be shipped. On XX/XX/XXXX, attempted to login on Online Banking and was briefed with a Account Locked notice. Called Support and was told that account had been closed and would be forwarded to specialist department to resolve. Mislead through many different departments and requested callbacks were ignored ; hours and time wasted with NO resolution. 

Customer is seeking for immediate reimbursement of opening deposit plus damages. 

Looking forward to getting this resolved,
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (MI)

Greetings I took out a personal loan through the XXXX, Michigan OneMain Financial branch in XXXX for {$7000.00}. I have twice asked for a payoff amount and no one can tell me what it is. 
I was locked out of my account for the last year. Once I was able to get into my account and look closer at my statements, I noticed that only a {$1.00} goes towards the principal and a {$170.00} is being charged for interest every month. At this rate, it will take me a lifetime to pay it off. Even after making payments arrangements after losing my home and becoming unemployed, they have constantly attacked my credit score to the point where I can not find suitable housing or affordable car insurance. I feel cornered and unable to do anything about this. It took me 2 years to get my XXXX and at this rate, I will never have this loan paid off
Consumer complaint received 2023-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

The home is my mothers home. It is listed in the estates name, I provided Shellpoint with her death certificate which has me listed as the information. Many representatives have told me that all I needed to do was pay the amount and that would take the home out of foreclosure. I called to make the payment that is listed on the statement as the reinstatement amount, the agent was about to process the payment but came back and stated that was not the amount but she could not provide the amount. I spoke with a very rude supervisor who then notated my mothers account that nobody is to take a payment. I have made plenty of payments without my name being on the account and Shellpoint has taken those payments, but now that I am trying to stop the foreclosure they are refusing. Im not asking for any account information, all I am asking to do is make a payment of the past due amount which is higher than the reinstatement amount, but Shellpoint is wanting to force a sell.
Consumer complaint received 2023-02-28
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-28
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: Credit Corp Solutions Inc. (TX)

Credit Corp Solutions Inc XX/XX/XXXX, amounts is {$3.00}, XXXX and the action taken by this debt collection company is by unlawful suing me nor have I never received a summons for being sued. How I knew I was XXXX sued I start receiving letters from all sorts of attorneys. Also, Credit Corp Solutions is associated with XXXX XXXX XXXX, XXXX. This Law Firm pulled a soft pull on my credit report that I didn't give permission to do so. By the Law Firm doing this, by pulling an inquiry on from my credit report without my permission, decided to buy this debt to take action to sue me. I have been attacked multiple ways, with being sued, text messages, phone calls and fake letters, such as an Affidavit, Citation issued to me personally with wrong identity described as me. I've never received any documents with the whole contract, my original signature. I alson asked for Credit Corp Solutions and XXXX XXXX XXXX, PC yo cease and desist on contacting me, but the continued even trying to sue me under XXXX XXXX XXXX debt buyer for XXXX XXXX. I have been attacked and threatened by XXXX XXXX XXXX, XXXX since year 2020 during Covid-19.
Consumer complaint received 2022-04-22
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EQUITY LOANS LLC (IL)

On XX/XX/2022 - I XXXX XXXX sold my home in a Short sale. 
Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I followed all process as directed to me by my Loan servicer Equity Prime Mortgage and my lawyer Equity Prime Mortgage : XXXX account # XXXX This sale was also recorded by U.S Department of Housing and Urban Development -HUD FHA Case # XXXX In XXXX of 2022 I received a new letter from XXXX XXXX XXXXXXXX XXXX ( A company I've never conducted business with ) informing me that Equity Prime Mortgage transferred a loan to them - I contacted XXXX to dispute that debt and explained the property was sold in an approved FHA short sale and i have walked away from the property - They are currently investigating but have sent me a letter : Our records indicate the current investor or note holder of the loan is XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX is the current servicer of this loan on behalf of the investor or trustee The investor or holder may be contacted through XXXX at XXXX XXXX XXXX, XXXX XXXX IN XXXX, Fax XXXX or by telephone number XXXX XXXX  Account # XXXX The Title company involved in the closing of the Short Sale was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX phone | XXXX fax | XXXX  Underwritten By : XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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: Possible Financial Inc (AL)

XX/XX/2022 Possible Financial XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX To Whom It May Concern : The credit information currently on my credit report contains entry showing a current payment status as of XXXX XXXX for my closed Possible Financial Account. 

It would assist me tremendously if you could make a goodwill adjustment that removes this negative payment entry from my three credit bureaus reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future. 

Thank you for your consideration.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (FL)

PRMI CONTINUES TO UNJUSTLY HARASS ME FOR REQUIRED INSURANCE PAID PRMI ITSELF SAYS IT IS NOT NECESSARY!! 

This follows complaint XXXX as the company, PRMI, is not being honest about what it says it is doing on that complaint, and to add the facts and attachments below I must add a new complaint under this system : a ) Said in letter, attached, that the issue was closed and the unjust insurance escrow was no longer needed due to adequate insurance being provided. PRMI however never sent an updated XXXX without such escrow removed, it needs to. 
b ) On the very next day, PRMI send me a letter saying a new insurance premium is being assessed! ( see attached ) c ) In the past, PRMI said this additional insurance was needed as there was a difference between the amount covered by XXXX XXXX XXXX and what the loan balance was. They later said the condo coverage was sufficient ( see a ) above ) and yet I sent Principal payment for the difference ( Mortgage balance - condo association coverage for unit ) just in case ( {$3000.00} check # 1989 ) and they still say insurance is needed! What in the world!! 
d ) This is a PATTERN OF HARASSMENT since I have started ( faithfully ) paying this mortgage. This company MUST BE FINED for harassment, for misleading me and for creating confusion, stress and causing me to seek medical care for the undue stress this has been causing me.
Consumer complaint received 2023-03-08
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. (AZ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct these items immediately : 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
Consumer complaint received 2019-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion is reporting incorrectly a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was working with the XXXX. along with the apartment complex where I was residing. We were able to come to an agreement for payment, which I fulfilled. Unfortunately, shortly thereafter the apartment complex was sold and a new management company came on board and refused to work with the XXXX. in any capacity and consequently I was asked to vacate the property. Currently the reporting entity of this collection no longer exists. This collection from the apartment complex is false and should not be appearing on my credit report. This false reporting of a collection is a violation of the Fair Credit Reporting Act and needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Blitt and Gaines, P.C. (IL)

Blitt and Gaines, XXXX XXXX, XXXX XXXX  I had a XXXX XXXX XXXX XXXX.Card was lost..debt owed was acquired by XXXX XXXX Judgement was obtained against me on deceptive way..with my name wrong address..I was never notified to appear..default by failure to appear..Lein on my property as a result..in XXXXjudgement paid property sold in XXXXshould be end of story.., In XXXX XXXX XXXX  acquired ownership of XXXXXXXX XXXX financial..now trying to collect under XXXX XXXX XXXX an old XXXX 's debt..that was already paid..bad book keeping..I have never done business with XXXX  XXXX XXXX.. sperate entity from XXXX  XXXX credit card company..this is all very deceptive..on the lawyers part..my name ..wrong address..judgement already paid..now trying to collect again..
Consumer complaint received 2023-03-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (OH)

I have no business with Receivables Performance. I called their company on XX/XX/XXXX, at XXXX, after receiving and alert from XXXX of the collection account, to inquire about the debt. I asked for them to send me verification of the debt, to include copies of the phone bills from XXXX, and their right to collect on the debt. The agent, a woman, who answered the call, informed me that her company did not have any information on the debt and could not provide me with anything i asked for. When she stated this, I asked how could Receivable verify the validity of a debt they were collecting on. The agent informed me to get what i needed from XXXX. I hung up and contacted XXXX. 
When i called XXXX, i was informed that, because i did not have a PIN, they could not mail be copies of my phone bill, despite having my current address on file ( they verified my address and phone number during the call ). The agent informed me to go into my local XXXX store with an ID to get copes of the phone bills that i was requesting. 

I do not live near a XXXX store. Furthermore, in XXXX, XXXX mailed me a phone bill. It was the last and ONLY phone bill has XXXX mailed. I have repeatedly requested, prior to my account going to collections, XXXX send me copies of what they are charging me for. 

In XXXX of XXXX, i left XXXX and went to XXXX XXXX XXXX. My number was ported from XXXX on XX/XX/XXXX. When i left XXXX, i spoke to an agent and asked what i would be charge. I was told my final bill would only include the amount for the XXXX XXXX XXXX in the amount of {$150.00} and that i would receive a bill for that. I never received a bill. I paid XXXX for my last bill, and had a balance due, prior to my leaving, of {$0.00}. 

When i left XXXX, i do believe they were still charging me for the watch line, even though the watch phone line did not work seperate ( an issues as to why i left to begin with ). That line was just assigned to the watch.
Consumer complaint received 2023-02-17
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. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer right to private and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (SC)

I opened a secured credit card with XXXX XXXX. I'm currently fighting an aggressive XXXX XXXX and have been unable to work due to the side effects of the XXXX so I can no longer pay on credit card. I have not missed any payment nor have I ever been late on any payments. I called XXXX XXXX to close the account and they told me that it would take ninety days before they can close the account. Which meant they needed 3 additional payments on the account. I really don't understand this. If they were closing the account and it was secured I wouldn't have to make a payment at all. I am in a situation where I'm need the money to make my co-payments for XXXX. I need to know why I have to make ( 3 ) additional payments on an account that I requested to be closed? It's a secured account that closed so no transactions will be approved. I think it's just the bank 's way of ripping people off for an additional ( 3 ) payments.
Consumer complaint received 2023-02-16
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. (VA)

The paperwork that has been allegedly sent has been abandoned and erroneously filed by XXXX and veteran home loans. I XXXX XXXX have not received any notices. And due to my XXXX of not being able to adequately communicate in legal jargon I believe the XXXX needs to be alerted for taking advantage of a XXXX person and veteran. I will also file a complaint with TIGTA and the FTC.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 XXXX XXXX XXXX XXXX  XX/XX/22 I called and addressed the inquiries to the companies. The inquiries were not authorized by me.
Consumer complaint received 2023-02-16
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 Accounts, LLC (CA)

I disputed inaccurate information furnishing my good name with XXXX & collection agency, I mailed out a dispute letter to the Collection agency & XXXX to ask for Validation of debt. They FAILED to send me Validation of the alleged debt or a form with the original agreement and wet signature from the alleged debt. They sent an itimization which is a breakdown of charges and not consired VALIDATION OF DEBT. I sent the letter on XX/XX/XXXX and on XX/XX/XXXX they sent me a response on the XXXX online portal that everything was Validated. How can this be if they did not provide me with the requested documents mentioned above and in my dispute letter?