davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (PA)

SELF FINANCIAL/LEAD BANK Account Name Account Number Account Type Responsibility Date Opened Status Status Updated SELF FINANCIAL/XXXX XXXX XXXX XXX Secured Loan Individual XX/XX/XXXX Paid, Closed. XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms - - - - {$720.00} - 24 Months XXXX XXXX XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$1800.00} XX/XX/XXXX - - {$1800.00} - 1 Months XX/XX/XXXX 2026
Consumer complaint received 2019-11-03
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 (CA)

My name is XXXX XXXX. I have a problem with one of my Capitol One credit cards reporting 30 days late on my report. In XX/XX/XXXX I lost my credit card, I did not notice card was missing and never opened statment be cause I paid off ballance in XX/XX/XXXX. I found out when I applied for a loan that card was reporting 30 days late. I called capitol one and explained what had hapened. I filled a police report, I wrote a leter to capitol one explaining what happened. After a month or so they rufunded charges, but they never removed 30 day late from my credit report. I have tried to resolve this through phone calls and letters but have been unsucsseful, please help.
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (UT)

I leveraged PayPal 's program to have my rental tenants pay for their monthly rent using paypal. I have 5 tenants that live in my rental building that have paid their XXXX rent to my PayPal property management business account, and they all paid with bank transactions. Paypal refuses to release my funds now for 180 days. I have been working with them for over a week, and each time, they have a different excuse for not releasing my funds. First it was that they need to put a hold on my funds as a new merchant to verify that no-one will request a refund, then it was that i needed 10 transactions before releasing money - ( originally they would hold for 21 days, now it is 180 ). After several calls and 3 way call verification with my tenants, someone took the hold off the funds. However, i can not move the money to my bank account. I owe my mortage on this building and can not get a straight answer from anyone. I have kept very good logs of all conversations, emails, letters, etc. As of yesterday, i worked with a person ( named XXXX ) that helped me said that she would notify the internal group to remove the limitations. Except - today i came into a notice that said : " After a review, we've decided to permanently limit your account due to potential risk. Youll not be able to conduct any further business using PayPal. '' The " see details link '' says : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services.

Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. This will apply to all existing and future cases you receive. 
Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 
Reference ID : XXXX However- they are not telling me how i am in any violation ... .. or what i need to do. Do they have the right to just hold my funds for 180 days without demonstrating risk or any cause? Where is the regulatory oversight on this type of money transition? While Paypal is not a bank, they do process payment transactions, so where is the payment processing governance? Do I need to obtain an attorney to get my funds? The disclosures and Agreement do not clearly indicate this type of impact to small businesses .... shame on them. 

I am glad to provide my log of conversations, screen pictures, and emails for your review. 

XXXX
Consumer complaint received 2020-09-25
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. (NY)

There's a XXXX XXXX and XXXX XXXX account on my credit report that I have no clue about. I contacted the Credit Bureau and the Collection Agency for these accounts in XXXX. I haven't received any information regarding these accounts, I only noticed on my credit report " Account Disputed By Consumer '' I followed up with the Credit Bureaus and the companies, as I haven't received any information regarding these accounts and I still haven't received any information, only stating that I owe this account and it's verified from the past. None of the account information listed on the Credit Reports align and I don't know how this account would be verified and I haven't got any information from XXXX XXXX and I don't recall service with a XXXX XXXX ever.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I have an account on my file that is not mine I filed a fraud alert months ago with the credit bureaus I filed a police report as well to have the account deleted from my credit report. Please see attached documents. Please delete/remove the following accounts : XXXX/XXXX  XXXX # XXXX, XXXX/XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX PLEASE UPDATE MY CREDIT REPORT ASAP!
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

Ive requested that the collection agency send me proof that I own the alleged debt I requested an explanation of the purpose of this stated account balance, the agreement that grants you the authority to collect on the debt, documentation that shows I agreed to pay this debt with my wet signature and documentation, showing I gave you permission to have my information and paperwork showing I gave you the authorization to report this to my credit report. No consent to you having my information and authorize use of my Social Security number is aggravated identity theft, and you will be reported for such. A copy of your state license, including the license number that gives you right to collect in my state. Any arbitration agreement that may be related to this debt from the original creditor. the purchase agreement demand to guarantee that the financing and hand-to-hand transactions are accurate you give chain of custody for the account. Reporting information that you know to be in accurate or failing to report information correctly violates the Fair Credit Reporting Act.
Consumer complaint received 2024-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (IL)

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/2024 ] [ Consumer Financial Protection Bureau ] [ Consumer Response Center ] [ XXXX XXXX XXXX XXXX XXXX [ Washington , DC XXXX ] Subject : Complaint and Dispute Regarding Violations of Consumer Laws by LVNV Funding LLC Dear Sir/Madam, I am writing to file a formal complaint and dispute regarding the actions of LVNV Funding LLC , a collection agency, which I believe are in violation of multiple consumer protection laws. I request that LVNV Funding LLC cease all communication with me via email, text, and phone calls until the matters outlined below are resolved. 

1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Failure to Provide Proof of Agreement LVNV Funding LLC has failed to provide me with adequate proof of any agreement or contract between myself and the original creditors associated with the debts they are attempting to collect. Per 12 CFR 1006.34 ( b ) ( 5 ), consumers are entitled to receive this information upon request, and LVNV Funding LLCs failure to provide such documentation is a violation of my rights under this regulation.

2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : Failure to Provide Debt Validation I have formally requested debt validation from LVNV Funding LLC in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). However, to date, they have not provided me with the necessary documentation to verify the validity and accuracy of the debts they are attempting to collect. This failure to comply with the law further compounds their violations of consumer protection regulations.

3. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) : Harassment and Misleading Communication LVNV Funding LLCs continued attempts to contact me via email, text messages, and phone calls despite my request for communication to cease constitutes harassment under 12 CFR 1006.34 ( d ). Additionally, their failure to provide accurate and complete information about the debts in question, as required by 15 USC 1681-S 2 ( 7 ) ( A ), is misleading and deceptive.

Therefore, I request the following actions be taken : 1. LVNV Funding LLC must immediately cease all communication with me via email, text, and phone calls until they have provided adequate proof of agreement between myself and the original creditors, as well as the necessary debt validation documentation.

2. LVNV Funding LLC must provide me with written confirmation that they have ceased all collection activities until the requested documentation has been provided and verified.

3. LVNV Funding LLC must provide proof of compliance with all relevant consumer protection laws and regulations governing debt collection practices.

I appreciate your attention to this matter and request prompt investigation and resolution of these issues. Please inform me of any further actions I need to take or documentation I need to provide to support this complaint. 

Thank you for your assistance. 

Sincerely,
Consumer complaint received 2023-06-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: ASSURANCE FINANCIAL GROUP, LLC (VA)

I am a XXXX XXXX  of XXXX children who had a loss of income in 2020. I applied for forbearance with Assurance financial in 2020 and it was accepted. For the past year since the forbearance I have been applying for a loan modification per the mortgage company to get my loan going again. I have sent them every document they have asked for and they continuously kicked my paperwork back and deemed my package incomplete over and over. I have someone at the VA involved as well and has seen how they are giving me the run around. They are now trying to foreclose on my house even though I am still in the loan modification process and sending them everything they are asking for.
Consumer complaint received 2017-06-02
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: Experian Information Solutions Inc. (FL)

Experian did not provide any method to dispute their findings which were incomplete and inaccurate via any medium they advertise is available Phone, internet etc. Under the law I am entitled to  150  page rebuttal/explanation of any negatives- this was NOT afforded. Report  XXXX . Also they have NOT addressed the security freeze I substantiated earlier was instituted by me and my wife and YOU continue to close the report as if this has been addressed. The issue at hand   XXXX   XXXX   XXXX    was  forced to put incomplete and misrepresentation due to the limitations of response given by Experian in effect setting us up for lower credit FICA score as indicated on my prior complaint today. Opinion I find it repulsive that your agency has not deemed this important enough to pursue further by fruits establishing who you really are and who your really represent! THE SAD JOKE OF THE INDUSTRY IS FICA SCORING WHICH CAN BE PROVIDED IN ANY NMBER OF WAYS BY ANY NUMBER OF LENDERS-
Consumer complaint received 2024-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

As I check my credit report I realized a negative accounts on there was not mine as my information was bought and sold illegally because I was a victim of the XXXX XXXX breach, I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach .Please help me delete these illegal accounts from my credit reports ( 1 ) RC/Resurgent Receivables
Consumer complaint received 2022-07-07
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 have called Transunion only to receive rude reps unwilling to assist. I have a XXXX alert on my profile and would like to dispute these fraudulent inquiries. I have not applied for any of these services. I have contacted all companies involved. 

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
Consumer complaint received 2022-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

During early 2020, we were attempting to refinance student loans with XXXX XXXX Citizens that were already in their possession to consolidate into a single payment that made sense for my fianc. During that time XXXX and Citizens got stuck in the process and stopped talking with one another. Without notifying us the accounts go into bad standing, even though Citizens employees told us payments were not required during the time we were refinancing which then kicked the debt to collections. 

For the last year and a half we have been trying to work with the Citizens XXXX department, making regular payments of {$250.00} a month, which was all we could afford, to keep the account in good standing. During that time, we were told different information from every employee. Some said we could pull it out of collections to refinance and treat it again like a normal student loan, some said that wasn't possible, some said that payments could be accepted at any point to just keep making payments to keep it in good standing, and then the last person we talked to stated that payments needed to be regularly made the same date every month else it would be sent to another collection agency. That was when this account is now being sent to two more collection agencies without any written notice that this was occurring, what the current balances were on the accounts, or any further documentation from the Citizens XXXX Department in the first place. 

At no point during this time were we ever given the same answer. Employees at the local branch said one thing, tellers on the phone for the recovery department said another, and no one stopped to actually try and assist, only stating that is was out of their control and there was nothing they could do.
Consumer complaint received 2022-07-07
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 XXXX  Accounts : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # 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.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My XXXX XXXX XXXX account ending in XXXX was not being reported by TransUnion, but was being reported on my wife 's credit report. After pointing out this discrepancy to TransUnion, they responded by deleting the account from my wife 's credit report. I submitted a complaint to CFPB on XX/XX/XXXX regarding my credit report ( complaint # XXXX ), and TransUnion resolved the issue on XX/XX/XXXX by adding back the XXXX  XXXX XXXX account ending in XXXX to my credit report. 

Based on my wife 's TransUnion credit report dated XX/XX/XXXX, the XXXX XXXX XXXX account ending in XXXX is still not being reported on her credit report even though she is an authorized user of the account. XXXX XXXX XXXX is reporting the account ( based on my TransUnion credit report dated XX/XX/XXXX ), so TransUnion should reinstate the XXXX XXXX XXXX account ending in XXXX to my wife 's credit report. 

If you need any further information, please let me know. Thank you for your help with this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC (MD)

I had took out a loan with XXXX XXXX. I had payed off the loan amount. This company will not send my my final payoff letter or documentation. I was this resolved and also do not understand how they can do this.
Consumer complaint received 2019-11-03
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: WELLS FARGO & COMPANY (AZ)

On XX/XX/2019 ( read attached ), Wells Fargo continues to ignore NOT reporting my paid in full account as I had a XXXX 's XXXX XXXX Card then. 
My credit has been missing this good paid in full account for 5 years!!! 
Violations of FCRA for 5 years. 
The complaint is against Wells Fargo. 
When a company aquuires another company, all account records transfer to the new owner.
Consumer complaint received 2022-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

XXXX, XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX