davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
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 — Investigation took more than 30 days
Company: Asset Management Outsourcing, Inc. (GA)

I mailed in certified letters for the credits & collection company to  validated debts they claimed I owed. XXXX Dispute Results claimed the debt was verified. Per the Fair Debt Collection Act, a consumer has the right to dispute inaccurate information on their credit report, the company and collection company has 30 days to prove the debt is accurate with proof. XXXX, and XXXX XXXX XXXX has failed to prove proof within 30 days from the date of my certified letters.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

In XX/XX/XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XX/XX/XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX XXXX XXXX XXXX, XXXX, XXXX advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XX/XX/XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX XXXX XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc. (VA)

On XX/XX/XXXX the following charge appeared on my Coinbase Card : {$13.00} Merchant : XXXX  Date & Time : XX/XX/2022 XXXX XXXX Asset : USD Coinbase fee : {$0.00} Total USD : {$13.00} I contacted support via phone and email on XX/XX/XXXX and XX/XX/XXXX. Phone support assured me they would investigate. Email support seems to have no record of this. In addition, they asked me for more information. All of this information was already provided in the first email, the phone conversation, or obvious from context. For example, I informed them in the first email ( and on the phone ) that the card was in my possession. Or, regarding whether this was a recurring charge or I tried to resolve it with the merchant, I don't know who the merchant is ( and certainly couldn't figure it out given the paucity of information they provide in the statement ) and it's obviously not a recurring charge, since I don't even recognize the charge. Every time this happens with a reputable card issuer, a refund is issued while the investigation occurs, but they have told me it could take 90 days. Given their stalling tactics, I would like the clock to at least start from the point of first contact, XX/XX/XXXX, if they do in fact have 90 days to investigate.
Consumer complaint received 2022-06-07
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXXX, has violated my rights. 


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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I made a XXXX payment to capital on bank for a credit card on XX/XX/2021 to cover XXXX months of payment for XXXX and XXXX and they said i missed a payment when it was did XX/XX/XXXX.
Consumer complaint received 2016-06-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (AR)

I feel the XXXX XXXX XXXX is attempting to artificially manipulate the value of my home in order to create an easily acquirable foreclosure by a coercion with some entity desirous of manipulating someone from their property through predatory practices. 

I believe XXXX and other entities perhaps XXXX are working together with a Government Entity ( XXXX XXXX XXXX ) to untruthfully manipulate Real Property values, perhaps for a merger with surrounding townships and/or municipalities. This is a potentially harmful situation for the inhabitants of this area, particularly myself as a potential target. A vehicle labeled " XXXX.. '' repeatedly cruises the area for unknown reasons ( XXXX passes per day seems excessive for a dead end road ), the vehicle labeled " XXXX '' passes multiple days per week and several times per day some days. This has been occurring for several weeks to months now, and I feel this is a method toward an artificial manipulation sought to conceal inaccurate claims of valuation and untruthful claims of ownership and boundary. Is it not illegal for the State XXXX of Arkansas to participate in such actions prematurely and with prejudice? It feels like harassment and appears designed to drive people from their homes. 

There is a proper Quit Claim supporting the purchase of this property from the XXXX ( family ) named in the attached documentation and after purchasing I submitted the requested documents to the XXXX XXXX XXXX notifying them of " NO RELATION to XXXX XXXX '' ( previous owner ), however, I still receive mail from their family and feel there is an associative problem. These potential doubts of ownership, relation, and boundary may be related to XXXX XXXX ( past surveyor of " XXXX XXXX '' ), a Real Estate entity, or to the potentially fraudulent reception of government benefits by the son ( XXXX XXXX ) or the mother and previous owner ( XXXX XXXX ) neither of which reside at this residence, but use this address for mailing periodically. Financial, Legal, and Medical documents have been sent to my home regarding both the Mother and Son. My response is to mark the mail as Return To Sender " XXXX Does not live here. '' and mail it back unopened. I have attempted to remedy the situation by moving the mail box, but these problems still exist in different forms and at different times. I believe that an investigation of improper identity associations, property claims, property valuations, and/or property boundaries related to real estate trade that may be uncovered will shed light on questionable and/or criminal practices regarding Real Estate, Predatory Mortgage Practices, Land Disputes, and the improper use of Residence Identity for the reception of Government benefits.
Consumer complaint received 2022-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I have been making payment son a Parent Plus loan with Navient for many years. I have made additional principal payments that were applied to interest instead of the principal. I called them numerous times over the years, but nothing was ever done to correct the payments. 
XXXX payments that should have been applied to the principal were applied to the interest instead. 
I payed off the loan in full on XX/XX/21 with retirement funds when my husband was laid off due to COVID.
Consumer complaint received 2023-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (OK)

Upon receiving copies of my credit report I found this debt under Indigo-Celtic Bank , XXXX XXXX XXXX XXXX , Genesis FS Card Services , and XXXX XXXX . I do not recognize any of these. I requested debt validation and was sent back a copy of statements where the charges were in another country. I have not visited another country, nor do I have a passport to do so. I tried sending the companies a letter explaining this and have gotten no response. This is a fraudulent account.
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

Unexpected Permanent Limitation Imposed on PayPal Account I am writing to file a complaint regarding a recent unexpected issue with my PayPal account, which I have used dutifully and in adherence to all stated guidelines for a significant period of time. This issue surfaced on XX/XX/2023, when my account was abruptly flagged and consequently limited without an explicit justification. 

My usage of PayPal has predominantly been for online shopping purposes and for enabling monetary transactions between acquaintances. Throughout my experience with PayPal, I have maintained an utmost commitment to ensuring that all transactions conducted through my account are entirely legitimate, and to the best of my knowledge, do not violate the Acceptable Use Policy as laid out by PayPal. 

Despite my consistent compliance with all requirements and guidelines, I was taken aback to receive a notification informing me of a revocation of my account privileges. The notification, unfortunately, did not provide any specific information or details about the reason behind such a significant action taken against my account. Consequently, the grounds on which my account has been limited are still unclear to me, leading to substantial inconvenience and concern. 

Given my historical usage and adherence to PayPal 's policies, I am led to believe that this could potentially be a result of an unintentional error. I trust that this issue will be addressed promptly and my account will be reinstated at the earliest convenience, considering the severe implications it holds for my routine financial transactions. 

Thank you for your attention to this matter. I eagerly anticipate a resolution that reinstates my access to PayPal 's services.
Consumer complaint received 2024-04-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service International Corp (GA)

I am writing to formally dispute a collection account that has been adversely affecting my credit report. Upon reviewing my consumer rights under relevant consumer laws, I have identified several violations committed by the collection agency, which warrant the immediate removal of the reported collection from my credit report. 
Firstly, the collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this obligation, the collection account has been reported without proper validation, thereby infringing upon my rights as a consumer.

Furthermore, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with a fair chance to contest the validity of the debt is a clear violation of consumer protection regulations.

Moreover, the collection agency has engaged in deceptive practices, including false and misleading representations, which contravene consumer rights laws. Such behavior is in direct violation of the regulations outlined in many consumer laws. 
Additionally, the collection agency lacks the authority to furnish the account to consumer reporting agencies without providing all necessary disclosures, as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Furthermore, as I have not entered into any contractual agreement with the collection agency, they have no legal basis to claim ownership of the debt. 
Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to remedy the violations outlined above. Specifically, I urge the immediate removal of the collection account from my credit report, as it is unjustly impacting my creditworthiness. 
I appreciate your prompt attention to this matter and look forward to a swift resolution. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-01-25
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. (TX)

Found several inquiries on my credit report that I did not authorize anyone or any company to make. I did not allow any company to send my information to any other company for gain or to open an account. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX
Consumer complaint received 2021-09-23
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Asset Group LLC (TX)

On XX/XX/XXXX a company called XXXX XXXX XXXX emailed me regarding an account and it's balance stating they represent a Phoenix Asset Group. They stated they were going to report me to the credit bureaus if I didn't pay them. I replied back immediately letting them know that I send money every month on the XXXX of the month to the original company and the checks are being cashed and not return which means someone is keeping the money. I asked the XXXX company to apply the money to there records and ensure it reflecting the correct amount. They instead sent another email stating the same thing on XX/XX/XXXX and again on XX/XX/XXXX eventhough I just sent them a payment on XX/XX/XXXX via my bank and they accepted it.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX... Balance : {$960.00} ; XXXX XXXX XXXX XXXX XXXX. ... Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Kikoff Inc. (KS)

I recently applied for a car loan ( within the last month ) and my credit score came back lower than I anticipated. My wife did some research and indicated it was due to an outstanding balance of {$24.00} to a company called Kikoff. 

I have never heard of Kikoff or signed up for any services from this company. On Friday, XX/XX/XXXX I attempted to log in using all of my email addresses and discovered none of them were listed as valid. I then went through the forgot email flow and the email associated with my account is : XXXX This is not my email or anyone in my familys email. I believe this account has been fraudulently/maliciously opened on my behalf and that Kikoff has been incorrectly influencing my credit score. 

I contacted the company on XX/XX/XXXX and indicated : 1 ) I would like the issue resolved immediately 2 ) I would like the account closed 3 ) I would like the {$24.00} balance erased 4 ) I would like any adverse reports to any/all credit rating agencies related to this account and balanced reversed I provide my email and mobile number as contacts. I received a response email from an email address XXXX on XX/XX/26 indicating they were escalating to their internal fraud team for review. They asked that if I had completed an FTC report or filed a local police claim that I should attach it to the email for their review, thus my opening of a complaint with CFPB. 

I appreciate any assistance you can provide with this matter. 

Many thanks in advance- XXXX XXXX
Consumer complaint received 2022-08-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

received a call about a fraudulent charges on my account that I was not able to see and they said it was because they were stopping it. They knew information of mine that I felt only the bank should of known. They sent me access codes but I did not notice that one of them was a XXXX number. They withdrew {$3500.00} from our savings account. I reported it to the bank but they denied the claim and said they would try to contact the recipient to see if it is true.
Consumer complaint received 2022-01-25
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo continually fails to investigate this matter with the utmost customer consideration and care that it deserves.. Wells Fargo has stated that previous modification was approved and you did not accept the modification. Wells Fargo 's " modification '' was not an assistant modification that would help me keep my home. Rather it consisted of me retaining the same toxic loan options as before and having to come up with a considerable about of upfront cash that i simply did not have. They were able to continue to force foreclosures on it's customers due to the settlement involving Pick-A-Payment loans not requiring modifications or payment assistance options be approved. Any assistance was all based on Wells Fargo 's unfair and discriminating loan evaluations. Then after foreclosing without seriously evaluating my financial means they go on to state that they're unable to determine the specific concerns that I have about my credit report ... How out of touch is that!
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Better Mortgage, Inc. (NJ)

Since XXXX of XXXX I began the first time buyers process. On XX/XX/XXXX I submitted a mortgage loan request to a company called Better. Prior to submitting the report I checked with all 3 credit bureaus, who listed me above a XXXX score, so I was in the range from XXXX. However if you read the attachment from Better, they used a company called XXXX XXXX, without my consent who has a score of XXXX. I contacted this company and have asked for the file they have on me, since I have never heard of them. On XX/XX/XXXX I processed an application with XXXX XXXX who just a day later came back with a score from XXXX  of XXXX. So I contacted all 3 credit bureaus and not one of them have me listed with a score in the XXXX range. Ive attached XXXX/XXXX  and these are the scores as of XX/XX/XXXX. Ive also attached XXXX. I utilize XXXX XXXX and also have gone to the websites of these 3 credit bureaus. Across the board this is unfair and makes me think that once I give my demographic information, then an algorithm is programmed to present incorrect information about my credit score. What other reason could there be for this major discrepancy across all agencies. This is a major systemic problem and could possibly be associated with the people who set the standard. It is clear that it is unfair and feels more like a sham or parody, there is no American dream in it at all.
Consumer complaint received 2022-01-13
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. (CA)

Transunion is deliberately reporting incorrect information which is causing my score to display as inaccurate. A collection account should be deleted as the collection agency and original debtor has deleted the reporting. I disputed this information and it was removed correctly by XXXX but transunion is still reporting the incorrect information. I have no accounts in collections.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Advanced Resolution Services Inc. (VA)

I have tirelessly disputed the two inaccurate bankruptcies to no avail thus far with ARS. Consequently, it is causing me tremendous punitive damages, emotional destress, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. 

Attached are supporting documents from XXXX, US Bankruptcy Court, XXXX, XXXX, and XXXX for your immediate review- which corroborates my many unsuccessful attempts/disputes.