davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Happy Money, Inc. (GA)

I am requesting this complaint to be reopened due to the unfairness of the individual at the Consumer Finanancial Protection Bureau who closed the case when we reached out to request the company to pull the account back into their office and work with us in getting the account caught up due to Happy Money not assisting us in getting the payments made when calling in and emailing. The company failed to offer any other method of payment which was reasoning for the account going into default. Consumer Financial Protection Bureau failed to request the copy of the document signed by XXXX XXXX providing me XXXX XXXX permission to speak on his behalf on his account. 

Happy Money is negligent in how the company mishandled in how the account was blocked from making payments. In this dispute, the company came with a legal guardian reasoning in not to work with us in getting the account caught up. The concern is, by selling this account off, is the company making their money in why Happy Money has been so resistant in helping us to get into the account. Even when we went into the account on the XXXX of XXXX to try and make a payment after my banking information was updated, the company quick responded they closed it on the day before which does not make sense. 

There has been an oversight by Consumer Finanancial Protection, Bureau because when I responded to the company in not majoring on utiliziing the Power of Attorney as an escuse to help us in getting the account caught up, the company never responded with an alternative in doing everything to assist us with the account. I do no see how the Consumer Finanancial Protection Bureau did not address this but just closed out the complaint. This is exactly what we were dealing with in the company neglecting to work with us in getting into the account prior to it getting so far behind all the way up until it did get XXXX or more months in the hole. 

I am requesting the case to be reopen and Happy Money to send the document XXXX XXXX XXXX signed online to have me addressed his account due to his XXXX. And the company stop resisting to help us catch up on the payments by so quickly selling the account off.
Consumer complaint received 2023-01-17
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. (FL)

The creditor reported my payments late in XXXX and XXXX. The creditor was having system issues which did not allow them to report any payment history to the credit bureau since XX/XX/2022. I also would have issues paying my account online that I had to call in and pay my bill with a representative. The representative waived XXXX XXXX  of late fee due to their system issues and I paid my balance down to XXXX XXXX I don't feel I should be penalized for their system errors.
Consumer complaint received 2017-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

My account was frozen on XXXX XXXX,2017. Paypal Promised to release my funds at 180 days and they have not done so.Please release my {$420.00}, so I can withdraw. My case : XXXX.
Consumer complaint received 2020-01-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have been repeatedly harassed with repeated phone calls from this debt collection agency, I tell them to stop calling me but they continue to do so. I even set up a payment arrangement with them when My financial outlook was improved. I called them to stop the payments because I lost an extra source of income about two weeks ago. They continued to take money out of my account. I cancelled my debit card associated with the automatic payment arrangement and they continue to call and harass me. I have recorded phone conversations with them. particularly the one where I told them to cease my payments due to my inability to pay. I am a XXXX XXXX. I only receive {$820.00} per month from SSDI. I am extremely low income, yet these people do not care and continue to harass me and call me. i blocked their phone number, and then got another call from an " anonymous '' caller, which tuned out to be portfolio recovery services again.
Consumer complaint received 2022-11-12
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. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify through the physical verification of the original signed con- sumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 
( Collection ) XXXX XXXX XXXX ( Inquiry ) XXXXXXXX XXXX XXXX  Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove these accounts.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (TX)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 
1 ) XXXX  XXXX BANK, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXXXXXX BANK ; 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 than records of convictions of crimes which antedates the report by more than XXXX 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 2022-02-22
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. (CT)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-05-15
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. (CA)

On XX/XX/XXXX of 2022, someone tried opening an account with XXXX XXXXXXXX XXXX  using my social security number from a XXXX XXXX address. I was able to cancel that application, however, the bank did little to help me afterwards. Then, on XX/XX/XXXX of this year, someone from XXXX tried using my social security number to open another account. Its left me with hard inquiries that I have been unable to remove. I have frozen my credit with all 3 bureaus and I need help getting a letter from the company saying that I did not authorize either of these accounts. I want to get my inquiries removed.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: One Source Technology (MO)

My credit sucks now and I'm being held back getting a job because I'm a XXXX XXXX  The company I worked for burned me out. They send me on an extra run. I started falling asleep at the wheel. I pull over truck over so I don't wreck and kill some innocent person. The police roll up on scene. Tells me to go to sleep for a few hours which I do. My company fires.me for doing the responsible thing. I get denied my unemployment by the cpany which.i save them a wreck and lawsuits and keep myself out of prison. For following a lawfully.order make sure I don't get my unemployment rite away so I cant pay my bills for 4 months now. And now I have people or companies won't give me a job now this is in XXXX American No one wants to wait to get paid.but everyone is making me.wait to get my $ that I am totally entitled to. So you being the government. Do something
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (OH)

I have been XXXX XXXX and returned home to find out my card had been used I immediately contacted my card company and filed a card dispute waited the 10 business days as told to receive a provisional credit only to find out on the 10th business day my claim had been denied I asked what else can I do to get my money back I was told by the customer service representative to do a new card dispute and include my XXXX XXXX paperwork stating that I was not in the country at the time of the transactions I called to check and see if the card company received the new dispute only to be told they will not open try to do anything else to get my refund I was also speaking to a very ignorant representative who refused to give her name or put a manager on the phone she also hung up in my face her employee id is XXXX if she didn't give me the wrong information I have attached all of the forms I sent to my card company along with time receipts for when I filed both disputes as I was asked all I am asking is for what's rightfully mines that I worked hard for thank you for your time.
Consumer complaint received 2020-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (GA)

I have previously reported this company ( GC Services ) for calling my number to collect debt not ever owed by me. If you review my complaints, you will see GC Services reported previously. They put numbers in some type of abeyance, then add them to there database again. 
These crooks have not respect for the law and choose to keep perpetuating fraud by harassing innocent consumers. I want to bring legal action against them so they might understand not to call me anymore.
Consumer complaint received 2020-01-07
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 is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Consumer complaint received 2020-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

Specialized Loan Servicing will not remove my PMI. My loan balance went under 78 % of the apprised value at the time of the loan in XXXX of XXXX. They have since charged me twice ( XXXX and XXXX ) for the PMI. I have been given the runaround on repeated phone calls to them. The last call was on XXXX XX/XX/XXXX and I was told the PMI was " up to the investor ''. I believe this conflicts with the Homeowner Protection Act.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

all 3 credit bureaus are reporting a charged off XXXX account ... ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX  and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights.. 

date of last payment transunion- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX date of last payment trasunion- XX/XX/XXXX XXXX- XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX high credit transunion- {$2000.00} XXXX {$0.00} XXXX {$0.00} comments transunion- Charged off as bad debt Dispute resolved ; customer disagrees XXXX- Purchased by a another lender. Unpaid balance reported as a loss by credit grantor. XXXX XXXX XXXX ITEM DISPUTED BY CONSUMER XXXX- Consumer disputes after resolution Account transferred or sold
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One Bank USA is showing I owe {$440.00} I never applied or used a Capital One Bank USA nor did I receive a Capital One Bank USA card I have asked for prof of what was purchased or prof I purchased the items they have not provided me with that information
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing this letter to you regarding account XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX XXXX XXXX : Open date XX/XX/XXXX Allegedly late payment XXXX XXXX Department of education XXXX XXXX Open date XX/XX/XXXX Allegedly late payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These accounts where never late or missed payment. I have disputed the completeness and accuracy of the disputed information. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

This was not sent an error ; I am a consumer by law and my information was misused and now I have some false information that is not XXXX XXXX accurate accounts on my credit report. Unauthorized use of my credit report. I have sent dispute letters to the credit bureaus. However, they failed to follow proper cause.
Consumer complaint received 2020-01-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

During the last six months, two automated payments scheduled from my account at a third-party bank were returned. These payments were intended for Carrington Mortgage Services , LLC . and were returned due to nonsufficient funds ( NSF ). I resolved the first immediately. The second was created by issues with the third party bank. Upon attempting to resolve the second returned payment, without disputing its occurrence or associated fee, Carrington has informed me that I must pay using only means that have an additional cost to me. The options are certified funds and for-fee money transferring businesses. Carrington is not responsible for the issues that occurred. However, the corporation 's malfeasance in its actions and its negligence per se have caused me harm and undue financial hardship. Under GA Rule 80-11-6-.02, Mortgage Servicing Standards, any person who services a closed-end mortgage loan ( " servicer '' ) shall act with reasonable skill, care, and diligence. Furthermore, fees shall not be charged to arrange repayment or facilitate routine borrower collections. By forcing me to utilize limited, fee-based options, I assert that Carrington Mortgage Services has failed in its responsibilities under the law and acted without reasonable care and diligence in my attempts to resolve a debt. Lastly, Carrington Customer Services representatives sought to restrict my access to claims resolution by engaging in misleading business practices such as withholding information and access to solutions.
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This was not sent an error ; I am a consumer by law and my information was misused and now I have some false information that is not XXXX XXXX  accurate accounts on my credit report. Unauthorized use of my credit report. I have sent dispute letters to the credit bureaus. However, they failed to follow proper cause.
Consumer complaint received 2020-01-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

On our about XX/XX/XXXX, I received a letter From XXXX XXXX XXXX Account Number XXXX, Vehicle - XXXX XXXX XXXX, VIN # XXXX, CFPB Complaint No : XXXX, stating that XXXX XXXX XXXX & XXXX XXXX were unaware of any pending lawsuit. ( see attach ). 
As of now, XXXX XXXX and XXXX XXXX XXXX is reporting the above account as a charge off with XXXX balance. Records indicate that XXXX XXXX paid off the Vehicle in Full and paid off all repossession charges. Therefore the record on the credit bureaus should show paid off in full, since the car was never taken to auction or sold publicly, but that part of XXXX Agreement was to pay off the vehicle repossession fees and free me of any liability concerning this vehicle. 

The second problem was that XXXX XXXX/XXXX XXXX XXXX claim they were not aware of any lawsuit that I had brought against the company, concerning the above vehicle which only goes to show that XXXX XXXX/XXXX XXXX XXXX did not do thorough investigation before submitting there response to CFPB.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (KS)

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 XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX