davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX XXXX XXXX late payment XXXX, XXXX of 2022. 
In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. 
Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. 
Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. 
Pertinent correspondence, communications, or notices related to the chose in action. 
Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. 
We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. 
Thank you for your cooperation and timely attention to this matter.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (VA)

TD Bank failed to provide written proof of their ability to report non public information regarding my account to third parties. They requested I contact their collections department which I did and they never responded with any written proof regarding my complaint. 

TD is aware under law they can not pursue collection of any payments on accounts that are in dispute and I continue to get payment requests from them but they refuse to respond to my dispute with written proof of a response to my disputes.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX
Consumer complaint received 2017-10-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ad Astra Recovery Services Inc (TX)

THIS ACCOUNT WAS INCLUDED IN A BANKRUPTCY CHAPTER XXXX CONVERTED TO A CHAPTER XXXX CASE FILING XXXX. THE ACCOUNT WAS A JOINT ACCOUNT UNDER XXXX XXXX & XXXX XXXX. THIS ACCOUNT SHOULD BE IMMEDIATELY REMOVED FROM MY CREDIT FILE AS WE HAVE BEEN PROTECTED UNDER THE FEDERAL BANKRUPTCY LAWS.
Consumer complaint received 2023-02-08
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. (TX)

I looked at my reports and saw that XXXX XXXX is reporting an inaccurate charged off account on my credit reports. I have been disputing this account for some time and was able to get this account successfully disputed from Equifax in XXXX of 2022. On top of getting this account deleted I have also found that each bureau is reporting multiple inconsistencies concerning this account on my reports. If all three bureaus get their information from the same place then how are they all coming up with different information including multiple account numbers for the same account? Its obvious that my disputes are not being processed correctly and no proper investigation has been completed concerning this account. This account was also reinserted into my reports by Equifax back fin XXXX of 2022. Per the FCRA, I am to be notified by writing that an account will be reinserted on to my reports 5 days before it is reporting. I never received ANY type of communication stating as such. As a consumer I expect to that the credit bureaus will report accurate information on my reports and properly acknowledge my disputes but its concerning that they are all able to ignore the law and no action is being taken. I am demanding that this account Is deleted as they are not in compliance with reporting on this account.
Consumer complaint received 2023-02-08
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: JPMORGAN CHASE & CO. (TX)

Mortgage in my name XXXX XXXX XXXX  a credit card opened in XX/XX/2023 I have not opened a credit card or any loan I. The past 9 years any thing open now is fraud not me
Consumer complaint received 2023-02-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

XXXX XXXX XXXX sold my mortgage to newrez mortgage and newrez said that XXXX did not take enough money for my escrow, so now I have to pay an extra {$300.00} on top of my regular mortgage payment, and I have to pay it for almost a whole year! I'm retired but have to back to work because of it.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : 1. XXXX - Account # : XXXX 2. XXXX XXXX - Account # : XXXX Date Opened : XX/XX/XXXX 3. XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX 4. XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX 6. XXXX XXXX XXXX -Account # : XXXX Date Opened : XX/XX/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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C. 1681c ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKEANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF COMVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN 7 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 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX
Consumer complaint received 2023-02-25
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. (VA)

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX Vacation # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was never late. Thanks. 

In accordance to the fair credit reporting ( FCRA ) act TransUnion has violated my rights in pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Also violated 15 USC XXXX681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/instructions. The FCRA is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is fair and accurate. TransUnion is inconsistent with several accounts across the three credit reporting agencies and the information is inaccurate.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Receivable Management Services LLC (MD)

On XX/XX/2022 I spoke with the creditor Receivables Management about paying a debt in order to clear the information from my credit report. I spoke with a representative and the explained that once the debt is paid they can remove it but it would take 30 to 60 days. I paid {$470.00} to the debtor. 
" I recently followed up with the debtor on XX/XX/XXXX to inform them that the debt was still reflected on my report as settled but it was not removed. They explained to me that the account was settled and they are not required to remove it. I informed them that I spoke about the debt being removed when I made the payment and the representative said they could remove the debt after it was paid. However, I am now being told something different. And they redirected me to file a complaint with the credit bureaus, but I don't see how this is the case when they were the ones who informed me they would remove it.
Consumer complaint received 2023-01-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Scheer, Green & Burke L.P.A. (WV)

We have been trying to call Scheer, Green, & Burke since XXXX to pay our medical debt. We have left several messages on their automated voicemail with no attempts of them returning our call. Spoke with the secretary and was informed that was the only way to reach them. Total balance as of XX/XX/2020 {$1500.00} from XXXX XXXX University XXXX with reference # XXXX. We have asked them to please call back on my cell at XXXX with detailed voice messages. We would like to make payment plans or pay by credit card. Their statement says to contact them at XXXX. Thank you!
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This has been resolved and is closed. 

XXXX continues to " update '' the information every month. It constantly appears current. 

The information that is being reported needs to change to current.
Consumer complaint received 2023-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc. (MA)

Dear FST FINANCIAL RESOURCES ; ( Original Creditor XXXX XXXX ) ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-07-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AL)

Last week I sent you a complaint about the way Mr. Cooper is handling my loan with conflicting information. They responded to you with a letter apologizing for giving conflicting information, followed by claiming they did no wrong. 
They stated that the payoff is due. They also stated the reason it was due was that once remaining interest bearing balance was paid the remaining non interest bearing amount becomes due. 
On XX/XX/XXXX Mr. Cooper received the amount of the interest bearing balance, plus escrow as stated on the statement which I previously sent you. However, for some reason, THEY HAVE REFUSED TO APPLY THIS MONEY TO THE ACCOUNT ( please see payment ledger ). 
Today, XX/XX/XXXX, I found on my account a letter dated XX/XX/XXXX ( I believe they promised this by XX/XX/XXXX ) with the payoff quote. It also showed that the interest bearing amount would be charged interest until the payoff was received. I found this accidentally, I assume they mailed it yesterday and I should receive it by XX/XX/XXXX, it states I must pay it by the XXXX by Certified check or wire transfer for the payoff to be valid. 
This is not an issue of the amount of interest they will be charging, that is negligible. These people sent me a check for XXXX cents recently. I haven't cashed it. I will use it to show how fouled up these people are. 
I don't know why the money I sent them is not being applied but it concerns me, once again, if these people have a clue as to what they are doing. 
I would still like to know how they can demand the payoff, which is due when the interest bearing amount has been paid, when they refuse to apply the money already sent to them to the account to pay off the interest bearing amount of {$80.00}. 
I have sent the {$270.00} which they have not applied. They are now demanding {$6000.00} by the XXXX, that letter I assume will arrive, as I said, by the XXXX. 
I just want to make sure that Mr. Cooper will properly apply the money sent and refund my balance immediately. I no longer trust Mr. Cooper to handle this properly.
Consumer complaint received 2022-05-20
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: EQUIFAX, INC. (AR)

Accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , are inquiries I do not recognize and im sure it wasn't authorized. I ask that these items be fully investigated.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2023-01-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My auto loan was paid in full. Instead of my score increasing, the credit bureaus said I was a liability to Lenders by paying one of my oldest debts off too soon, and therefore my score was actually decreased by XXXX points on XXXX and XXXX  points with transunion. 
As a consumer I should never be penalized for paying an installment off early considering the high interest rate. 
I never missed one payment and Im falsely penalized for paying my account timely.

The credit reporting agencies are bias and need to be more closely monitored to combat their inaccuracies and prejudices.
Consumer complaint received 2023-01-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Credit reporting agency does not provide what proof they are provided when filing a dispute on credit report. I need all documentation proving my responsibility for debt. I have disputed this several times and requested proper proof to no avail.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposeXXXX
Consumer complaint received 2023-02-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Paypal Holdings, Inc (GA)

Hello, I have attempted to settle this issue by calling XXXX and PayPal. I have made no less than XXXX calls and initiated more than XXXX chats. Neither XXXX nor PayPal has assisted in resolving the issues. On XX/XX/2023, I ordered XXXX products from XXXX. The total price was {$150.00}. 

I had previously obtained a XXXX time use ( XXXX XXXX ending in XXXX ) credit card for approximately {$350.00}. ( But I only used {$150.00} ) of the allowed balance. I have attached a screen shot of the transaction. 

Of the XXXX items, I returned XXXX. There's screen shot that has this information as well. 

XXXX advises that it is not an XXXX error. PayPal advised that it will be resolved. In the mean time, I have been subjected to PayPal withdrawing and attempting to withdraw {$81.00} repeatedly. ( Causing my account to be overdrawn ) Please excuse all of the screen shot, but this was the only way that I could think of to get you the information. 

Please review. Any assistance that you can provide would be greatly appreciated
Consumer complaint received 2023-10-24
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. (SC)

Over the last few months I have reviewed my credit report and noticed several accounts reporting to my consumer report that I do not recognize. Ive reached out to the 3 credit bureaus more than twice and have not gotten any answers, results, or information provided.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX, I received a letter in the mail that Chase Card services decided after careful consideration to close two accounts ending in XXXX and XXXX. They gave the reason as I was associated with an account that was closed before. 

On XX/XX/XXXX, I called into Chase to ask for further reasoning on the closure and to ask for a reconsideration. I spoke to XXXX in the XXXX XXXX office and after some discussion, she refused to give me any more details into the closure. 

She stated that one account was opened in XXXX of XXXX, and the second in XXXX of XXXX. She confirmed the following facts : - zero red flags on either account - zero late payments - no indication that I had committed any fraud I asked her to confirm if there was any details on my account that showed I violated Chase card services. I asked 3 different times and she refused to answer. She stated she can not give any details on why my accounts were closed. I asked to speak to someone who could and she refused, saying that I can not know why my cards are being cancelled. I asked again the question of, " You are saying that you cancelled my card, will not tell me what rules or policies I violated, and will refuse to give that information to me? She affirmed that statement. 

I asked her about opening a card and the underwriting process I went through months ago. I explained that I was cleared to open a card 5 months, violated no terms of the credit card agreement, and now I'm being cancelled without being told why. She confirmed this and wouldn't give me any more details. 

In my time with Chase card services, I have spent more than {$500000.00} with them and had zero warnings about any suspicious activity, had my credit lines increased several times, never had any written or verbal or electronic notifications that I was in violation of any policy, procedure, or contract.