davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. ()

On XX/XX/XXXX, I was notified that my FICO score had suddenly dropped nearly 100 points. As a responsible consumer with impeccable credit, I immediately requested my credit reports from all 3 credit bureaus. I discovered that XXXX XXXX had reported a 60-day delinquency for XX/XX/XXXX and XX/XX/XXXX on the lease turn-in ( final balance of {$1500.00} ) of my former vehicle ( a 2016 XXXX ). This balance was completely unknown to me, as I turned it in on XX/XX/XXXX ( while leasing a new 2018 XXXX ) with the understanding from the salesman that he had figured the remaining balance of the 2016 to be rolled in to the new vehicle payment. In my new vehicle, I drove away from the dealership with the understanding that the lease turn-in of the 2016 XXXX was completely settled. The salesman ( or the financing dept at the dealership ) never told me to personally contact XXXX XXXX about anything whatsoever. The salesman obviously did not roll the remaining balance in to the new car payment. 

When XXXX XXXX sent a final bill ( of {$1500.00} ), one final bill was sent to an old address on the account. As a result, I have never received the final bill to this day. However, the statements for my new 2018 XXXX were indeed ( and still are ) coming to my current address that they do have on file at XXXX XXXX. 

I did pay the remaining balance of {$1500.00} immediately over the phone to XXXX XXXX on XX/XX/XXXX. Although XXXX XXXX made an error in mailing the final bill to the wrong address, they REFUSE to remove the FALSE 60-day delinquency that is still showing on my credit reports with Experian and XXXX. I filed complaints with all 3 credit bureaus in XX/XX/XXXX. XXXX is the only bureau that corrected the problem and removed the 60-day delinquency for me. 

I have made endless calls to XXXX XXXX on this matter and I have filed several complaints with Experian and XXXX. Yet they refuse to remove the false 60-day delinquency showing for XX/XX/XXXX and XX/XX/XXXX. They only " Updated '' it as paid off as of XX/XX/XXXX. 
This is not acceptable as it is easy to see that I have had impeccable credit for all of my credit history of over 20 years. XXXX XXXX claims that I should have called them when I turned-in the 2016 XXXX. How would I know to call them, when I had every confidence that the entire transaction was being handled by my salesman and dealership? The salesman ( or the dealership financing department ) never told me to call XXXX XXXX about anything. Additionally, my billing statements for my new 2018 XXXX were coming to my current address. So why did they send one final bill of {$1500.00} to an OLD address? I have never received it and I did not know to expect it. 
XXXX XXXX is falsely characterizing me as a negligent consumer by refusing to remove the 60-day false delinquency from my credit report. Whereas, I am nothing but a responsible consumer.
Consumer complaint received 2019-05-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

This is in response to Select Portfolio Servicing , INC. ( SPS ) CFPB response to complaint XXXX, dated XX/XX/XXXX. I have several issues/concerns with this response. 1- SPS never addressed the illegal trespassing on private property. 2- SPS 's alleged validation of debt is unacceptable. SPS is a servicer and/or debt collector. SPS is not the alleged note holder and has yet to provide any documentation from the alleged note holder providing proof of their security interest ; i.e. assignment documentation. 3- In the Broker 's Price Opinion ( BPO ) provided in the response by SPS , an " out building '' was used in the assessment. This building is not even on the property of the subject property that was being assessed. Not to mention the entire BPO is based on the wrong property as described in the mortgage documents. SPS continues to inflate the price of subject property in a fraudulent manner. 4- SPS ' BPO states the subject property has an estimated value of {$100000.00}, yet they forced placed  insurance on the property in the amount of {$230000.00} in coverage from XXXX XXXX XXXX XXXX as Select Portfolio Servicing , Inc. named as the first insured ( Policy # XXXX ). This is not only unethical, it's illegal. 5- On XX/XX/XXXX, XXXX stated they provided me a copy of all origination related documents pertaining to account # XXXX. This was false and a misrepresentation of the facts. The documents included : Customer Application, Loan Agreement Including Truth-in-Lending Disclosure, Notice of Right to Cancel, Recorded Mortgage, Good Faith Estimate, HUD Settlement Statement, Servicing Transfer Disclosure Statement, Hazard Insurance Disclosure, Waiver of Escrow and Origination Appraisal. However, in SPS 's XX/XX/XXXX response they included a document entitled " Arbitration Rider '' as part of the alleged loan documents. I have never seen this document and XXXX has never provided it to me as a result of my numerous inquiries. As a result, I would like XXXX to explain why it was not sent with the documents requested and provide a copy of the document and any other document ( s ) they neglected to send me in their XX/XX/XXXX correspondence. Either the document does not exist and SPS fabricated it, or XXXX has once again been negligent in performing their duties. Please advise, I continue to assert SPS continues to act in a fraudulent manner and misrepresents their legal abilities as a servicer/debt collector.
Consumer complaint received 2023-04-05
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. (GA)

Incorrect information is being displayed on my credit file. Which is in violation of the FAIR CREDIT REPORTING ACT, SECTION 609 & 623. I have contacted you about this information for over a year. that is way beyond the 30 days you are allotted by the law. 

1. XXXX  XXXX XXXX ( closed account ) Account # : XXXX Payment history is being shown as " CO '' 39 times when it should not be. The account was paid and should not longer be shown on my account at all. 

2. XXXX XXXX XXXX  ( closed account ) Account # XXXX I have never had a personal loan. This information is fraudulent. so why is a fraudulent closed account being shown on my account. I reported the fraud months ago to every agency and it was removed by every other credit bureau but yours.
Consumer complaint received 2019-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

Paypal refused to cancel/remove an unauthorized transaction because of a old and inactive billing authorization. 

XXXX switched, without my consent, from charging my credit card to charging my paypal account for their monthly fee ( {$10.00} on XX/XX/XXXX ). The switch appears to have occurred when I added a XXXX account under a joint promotion ( approximately XX/XX/XXXX ). I am quite certain that I did not approve any changes to my payment method, and I immediately switched the payment method back upon discovering the error. 
I noticed the switch when paypal notified me of the pending charge - there was no prior notification from either entity. I immediately notified paypal, within an hour of the email, that this charge had not been approved. Paypal 's response was that the charge was authorized because I had allowed XXXX to charge my account XXXX time in the past, XX/XX/XXXX. It is clearly possible for there to be an unauthorized charge even when there is an existing and active billing arrangement ; all the moreso for an arrangement that hasn't been used for an extended period. 
Paypal 's reasoning is flawed and they should have removed the payment as requested.
Consumer complaint received 2024-03-02
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. (MI)

This account was charged off on the following date ( XX/XX/2022 of XXXX XXXX XXXX ) Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. a charge off account should NOT include an active payment history. This Inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX Account # XXXX
Consumer complaint received 2024-03-07
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. (CA)

According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the consumer. 
I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX The financial institution and the consumer reporting agencies Equifax and XXXX DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to Equifax, XXXX or XXXX XXXX XXXX whether it is verbal, non-verbal, written, implied or otherwise is REVOKED. 
15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. 
ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law. 
15 USC 1684s-2 ( a ) ( 1 ) ( A ) states : 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.

15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also, XXXX XXXX XXXX states : " A consumer may exercise the right to opt out at any time. 
" I AM OPTING OUT OF YOUR REPORTING SERVICES! ''
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Ive Sent Numerous letters to the company and the the Company Continues to failure to respond, I have talked on the phone to resolve issue and still nothing, there isn't any notice at all on there site indicating that their ever was an dispute, this is also my third time contacting the company about this same matter and would like your help getting resolved.
Consumer complaint received 2019-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I transferred Scammed XXXX XXXX XXXX XXXX DL is XXXX XXXX money through XXXX. who said I have a XXXX House In XXXX. I used Bank Of America, he used XXXX XXXX. He gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since I had used it before and he gave me all the details, I wasnt that concerned with it. I send {$800.00} for Deposit on XX/XX/2019 and asked me have of rent {$420.00} and send on XX/XX/2019 .The transfer went through. He called me about 3 days later to confirm he received the money and said he was send by mail the house keys the property address XXXX XXXX XXXX XXXX XXXX AZ XXXX, I didnt received any keys and I called him back, he answered right away and said just wait for 2 days. 
Of course, then the scammer disappeared. His phone was turned off ; he never responded to any emails. He was gone. 
My bank, Bank Of America, were not able or willing to do anything after I was scammed, I think The XXXX is Mother of Scammer and Bank Of America is Grand Father for the people scam the customer. 
Thank You
Consumer complaint received 2021-03-08
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: Experian Information Solutions Inc. (CA)

I WENT INTO THE XXXXXXXX XXXX  OFFICE ON XXXX XXXX, AND XXXX XXXX, XXXX XXXX CALIFORNIA XXXX, TO OBTAIN A {$2500.00} DOLLAR SECURED CREDIT CARD, WHICH I HAVE BEEN INFORMED, DOES NOT REQUIRE A HARD INQUIRY, DUE TO THE FACT THAT I WOULD HAVE PAID {$2500.00} DOLLARS OF MY OWN MONEY PRIOR TO RECEIVING THE XXXX XXXX SECURED CREDIT CARD, WHICH AT THAT TIME. MY PERSONAL CREDIT SCORE/FICO SCORE WAS A XXXX, EXCELLENT, AND VERY GOOD, THEREFORE I PERSONALLY INFORMED THE MAN AT THE XXXX XXXX, THAT I DO NOT WANT A HARD INQUIRY JUST TO OBTAIN A SECURED CREDIT CARD, AND I WAS GIVEN A LETTER THROUGH THE U.S. POSTAL SERVICE, THAT STATES, WE'RE UNABLE TO APPROVE YOUR APPLICATION AT THIS TIME, DATED XX/XX/2020, WHICH WAS CLOSE TO THE DATE I ENTERED THE XXXXXXXX XXXX OFFICE LOCATED AT THE SOUTH-EAST CORNER OF XXXX XXXX AND XXXX XXXX, XXXX XXXX CALIFORNIA XXXX, THE MAN I SPOKE TO WHEN I WANTED TO OBTAIN A SECURED MASTER CARD, WHICH IBWOULD HAVE PAID {$2500.00} DOLLARS IN ADVANCE FOR THE CARD, QHICH I AM AWARE, DOES NOT REQUIRE A HARD INQUIRY, AND WHICH I WAS INFORMED BY THE BANK EMPLOYEE WHOM SITA AT A DESK IN THE REAR OF THE BANK, JUST TO THE RIGHT SIDE OF THE REAR EXIT DOOR. THE LETTER I RECEIVED IN THE MAIL FURTHER STATES " ( HI XXXX. THANK YOU FOR YOUR INTEREST IN THE XXXX MASTERCARD ACCOUNT. WE'RE UNABLE TO APPROVE YOUR APPLICATION BECAUSE WE COULDN'T VERIFY SOME OF THE INFORMATION ON YOUR APPLICATION. " YOUR XXXX TEAM ''. AND I CAN ONLY ASSUME OR ASSERT THAT THE GENTLEMAN AT THE BANK ON THE RIGHT SIDE OF THE REAR EXIT DOOR AT THE DESK, FRAUDULENTLY DID A HARD INQUIRY FOR FURNITURE, AS I CLEARLY READ ON MY CREDIT REPORT, AND I CAN READ AND WRITE XXXX WELL IN PLAIN ENGLISH, AS YOU CAN CLEARLY SEE FROM THIS VERY LETTER. I AM ALSO VERY FAMILIAR WITH THE MANY FORMS AND ACTS OF RACISM, AND I DO NOT OUT NOTHING PAST ANYONE ON THIS PLANET EARTH, I OBSERVE ALL FORMS OF RACISM EVEN BLACK ON BLACK RACISM BECAUSE I CARE ABOUT EVEN THOSE WHOM MAY NOT CARE ABOUT ME AS WELL. BECAUSE OF MY INTELLIGENCE, I WILL CONTINUE TO PERSONALLY AND PROFESSIONALLY FIND THE SOURCE OF WHY I HAVE ALL THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT WHICH I AM DISPUTING ALL OF THE ILLEGAL INQUIRIES ON MY CREDIT/FICO SCORE.
Consumer complaint received 2020-09-15
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. (MD)

The U.S.Treasury has been listing false information on my TransUnion and XXXX  credit reports since XX/XX/XXXX. In the Fall of XXXX I tried to have the false information removed from both, but both overseas operation call centers only allowed me to place a 65 word statement on both. 

Complaint # 1 - As time passes TransUnion or XXXX. is changing the " Date Opened '' of the accounts ( 2 out of 4 ), with then changes the " Estimated month and year that this item will be removed ''. 

On XX/XX/XXXX at XXXX XXXX  - TranUnion received by Priority Mail XXXX - 16 PAGES OF DOCUMENTATION INCLUDING A 1 PAGE LETTER directly disputing each account U.S.T. was falsely posting on my report. 

Complaint # 2 - In my written letter I addressed the following : ( A ) - Overdrawn Annual Leave and Recover Taxes owed on salary overpayments - MY RESPONSE INCLUDED - two ( 2 ) attached stubs and checks with VOID wrote on front of both checks, including the words on top right corner stating " VOID AFTER ONE YEAR '' ( B ) - Health Benefit Premium Related XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. - MY RESPONSE PROVIDED - XXXX XXXX XXXX - lower left hand corner - " LAST DAY IN PAY STATUS XX/XX/XXXX and SEPARATION-EMPLOYEE WAS SEPARATED FOR UNACCEPTABLE ATTENDANCE PERFORMANCE. The XXXX. expects me to pay for health insurance after I was terminated, THAT I DID NOT REQUEST AND I DID NOT SIGN AND DATE ANY TYPE OF OFFICIAL PAPERWORK FOR. 

I don't know what part TransUnion had trouble understanding with the provided documents, but according to the Fair Credit Reporting Act - IT CLEARLY STATES - " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information ''!
Consumer complaint received 2019-05-02
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: Resurgent Capital Services L.P. (UT)

LVNV funding is reporting a debt I do not owe. I paid the original creditor, XXXX XXXX XXXX, and have no idea why they are adding a new collection on my credit file AFTER it was already paid, they are also in violation of my 30 day right to dispute. This debt is paid and should not be on my credit.
Consumer complaint received 2022-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Will you please help me this case about unauthorized transaction. 

The bank end XXXX is belong to XXXX, i dont know who is that person. 

I told is not my bank. 
I need help XXXX Transaction id XXXX XX/XX/2022 Total amount transferred {$4700.00} USD Bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC (MD)

In late XXXX I canceled my service with XXXX. They billed me a month ahead even after I cancelled my service, and then charged me an early termination fee even though I was told by customer service that I was no longer under contract. I was then billed equipment fees. I received a collection that stated XXXX as the original creditor on my account in XXXX, and was unaware until I checked my credit report late XXXX. In XXXX, the first collection agency stopped collections efforts. Then Waypoint Resource Group became the debt collector for XXXX in XXXX. I asked for verification of the amount they sent, and they sent me bill statements that were false. The amount in the verification billing statements were false because they were reporting over {$1800.00} with charges past the cancellation period, while the XXXX billing amount online ( in my account ) was stated at about {$1100.00}. I have recently returned the equipment to get that amount removed from the amount due for collection. I am told the remaining balance, once those charges are removed, will be from a monthly charge and termination fee despite the details I explained above. The equipment costs have yet to be removed from the amount due, and I have the receipt for the equipment. I do not know what else to do, because XXXX is not working with me and Waypoint has sent false information as verification. I do not believe that I owe XXXX any more other than the equipment costs that I just returned. Please help me figure this out.
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

XX/XX/XXXX XXXX XXXX sold debt to XXXX. Initially, the amount owed was stated to be {$1700.00}, bit after reaching out to management at XXXX XXXX, she agreed that the rent she attempted to collect from me could not be legally charged wile renting to another tenant who began leasing my partment in XX/XX/XXXX. Howeve, she said is is still required to charge a resetting fee,, which under lanord-tenant laws is also illegal in the state of Texas as they already lease my Apartment as soon as I moved out.. Pro Collect made adjustments and states that I owe the {$910.00}. As of this date, I requested Pro Collect provide the authorized, signed agreement stating that a third-party collection agency can collect and they have not provided such proof. Additionally, the charges XXXX XXXX was attempting to collect was/is illegal under state law. As of XX/XX/XXXX, all 3 credit bureaus is reporting debt that I do not owe and in which I disputed under the federal law.
Consumer complaint received 2019-05-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (VA)

I am a TDbank checking account user and keep receiving emails from them on a saving offer of 2.5 % APY after depositing over XXXX USD. I did open it on XX/XX/2019 and deposited XXXX at the time I opened it and finished all the requirement they set up, however, I still did not see the 2.5 % APY rate showing in my account after the first month 's bill statement which was confirmed through their online account message center. Actually, you can see in the promotion offer, they advertise that I will get the APY in 10 days. Anyhow, it has been about 30 days. I would not have opened this account and transferred my money from another saving with 2.25 % APY. and keep losing my money with the TDbank. Thank you for your help.