davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (IN)

I recently got out of an abusive, controlling relationship and I am on SSI due to having a XXXX and no income. My Ex had added me to his KeyBank checking account ( I believe it was in XX/XX/2019 ), without my advocate/payee present. Due to a XXXX XXXX, I am unable to read, write and communicate without difficulty or having my advocate 's assistance. I had trusted my Ex at that time and believed we would be together forever and he would take care of me. I did not ask the bank to read all their terms to me, as I have a XXXX XXXX causing a great deal of difficulty understand and require my advocate to explain in simple translations. On XX/XX/2019, I ended the relationship ( for good ) he already controlled everything of mine, including all the papers from the bank and the debit card the bank sent me, it was all in his possession when he left. Today, XX/XX/2019, I sent him a text, asking him if he would please take my name off of his account and he refuses to communicate with me. I do not know his email address or any other way to contact him. Next, I went to the bank 's website and chatted with the bank 's online support. They insisted the ONLY way to have my name removed would be for " him '' to agree and both go into the bank, together, and sit down with a banker to remove my name. Next, I called the bank 's main number for customer support and they said I could remove my name from his checking account, however after explaining they told me different during the online chat, the rep. actually called our local branch office for clarification. The Branch Office told her I needed my Ex to agree to take me off his checking account, if he did not agree, I could not remove myself from his account!! They also said that I had signed and agreed to those terms. I have contacted my payee/advocate and have been told me I would lose my SSI,  because Social Security will include the income on all accounts with my name and he makes over my limit!! He also knows I will lose my income, because my advocate told him so. Also, the bank tells me he can restrict me from all access to this account if he so chooses!! I am being held prisoner to this account and him and I will soon lose my only income from SSI ... I will be homeless!!
Consumer complaint received 2019-04-29
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. (IL)

Equifax and XXXX  are reporting incorrectly that I am 90 days past due on XXXX XXXX  XXXX partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-12-29
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: Atlanticus Services Corporation (NY)

after being informed XXXX/FORTIVA XXXX is furnishing a tradeline on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. XXXX/FORTIVA XXXX has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means, which is not lawfully my account. I have reason to believe XXXX/FORTIVA XXXX had prior knowledge that punishing a consumer for the nonrepayment of an extension of credit by engaging in extortionate means is a violation of the False Claims Act and XXXX XXXX and Corrupt Organizations ( XXXX ) XXXX. The furnishing of this false tradeline violates the FCRA. Any account resulting from aggravated identity theft it to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. If has been more than 3 months and the information is still on my credit file. In fact after notifying XXXXFORTIVA XXXX they notated my account as " Transferred to another lender Purchased by another lender '' so instead of complying with the law they have chosen to sell the fraudulent debt to a debt collection agency to cause more harm to my financial reputation. Their blatant repudiation and noncompliance with the law is disgraceful and is a blatant example of a pattern of racketeering activity in attempts to fund their corrupt organization. XXXXFORTIVA XXXX is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an fraudulent extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of the consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028a and violation of the XXXX act 18 USC 894.

I am demanding XXXXFORTIVA XXXX to provide me with the consumer credit contract bearing my signature, and their errors and omissions insurance information. XXXX/FORTIVA XXXX is also to provide documentary evidence such as the books of account or any evidence as described under 15 USC 44 that this is in fact a legitimate debt owed to them by me XXXX XXXX. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and financial reputation and move to file suit for the intentional infliction of emotional distress I receive on behalf of these extortionate tactics.
Consumer complaint received 2023-04-03
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)

Inaccurate inquires listed on my report 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
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Requests sent on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to complete full investigations on all accounts & if they could not complete to delete the accounts from the credit report. To date all accounts are still reporting as a full investigation was not completed.
Consumer complaint received 2020-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I was attempting to transfer money I had in PayPal and ended up calling the number ( XXXX ) XXXX and in the middle of the conversation I was called by another number XXXX and told me to download the app XXXX  XXXX  and were able to see what I was doing on my phone and reviewed my PayPal account to verify if it was the right account, then told me to go to my bank account and told me to press on " send now money with XXXX '' and wanted me to press on send and wanted me to type this XXXX  " XXXX '' and told me to go to my XXXX XXXX  account and wanted to see my bank information in XXXX XXXX and later I called the original PayPal number and told me it was a scam from possibly XXXX because they sounded like someone from XXXX and I changed all my information as fast as possible.
Consumer complaint received 2023-04-03
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. (TX)

I reviewed my Consumers Reports and notice that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  account # XXXX XXXX XXXXccount # XXXX Please investigate and provide Proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

Thanks
Consumer complaint received 2023-04-03
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. (LA)

According to 15 U.S. Code 1681b ( a ) ( 2 ) without written consent specifically from the consumer, companies or credit reporting agencies are not allowed to report any information on my credit report. I never gave any company that is reporting accounts on my credit report my permission to report any of these accounts onto my credit report. This leads way to identity theft. Due to this drastic mistake I am asking that these accounts be removed according to 15 U.S. Code 1681c-2. None of these accounts report any transaction that was made by the consumer and must be removed immediately within the 4 day time window. I have sent every company a certified mail letter explaining these discrepancies but nothing has been accomplished. I am a federally protected consumer and should be treated as such.
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (WA)

I paid for a broker appraisal to have the PMI removed from the loan. It was removed in XX/XX/2020 but the PMI continues to be disbursed. My monthly payment hasn't gone down. It has gone up as the XXXX escrow analysis showed an equity shortage. Ive called at least five time and I cant get it straightened out. Thank you for your help.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2019 an inquiry from XXXX XXXX XXXX Services appeared on my credit report. This inquiry was a result of fraud. It was disputed and removed from my credit report on XX/XX/2019. Later that week, XXXX XXXX XXXX Services was reporting a XXXX XXXX XXXX credit account on my credit report. This account was then disputed and now is being reported as valid by experian. XXXX  and XXXX  have resolved the account and removed it. Experian will not properly assist. If the inquiry was disputed as fraud and removed, what makes you think the account is valid? Please assist.
Consumer complaint received 2019-04-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NY)

Dear Sir/Madam : I have a mortgage on a 1 family house and XXXX is the investor, My mortage used to be serviced by Seterus but inXX/XX/XXXX it wa switched to Mr. Cooper Please review the following account XXXX. Mr Cooper has denied me a modification because I had a modification before due to unemployment. 

Mr Cooper denied the modification XX/XX/ I was behind 10 months due to unemeployment but last week I gave them {$7000.00} Today they refused to take another {$6000.00} from me that my wife cashed out of an retirement account Mr Cooper wants me to send them the a partial payment of {$12000.00} to bring the account within 90 days or the full amount {$17000.00} by XX/XX/ or else they wont take a payment from me I need to raise another {$6300.00} to XXXX XX/XX/XXXX will be 30 days from the day Mr Cooper denied me the modification After that they will send their lawyers a request to serve me with foreclosure documents I always have a hard time getting them to give me an accurate deadline to bring the account up to date One lady in the underwriting dept. told me that in some states they can send foreclosure papers to their lawyer and a sheriff can give me 24 hours to vacate the premises. 
She also said that if I want to keep the house at that time I would have to make full payment to bring the account up to date and I would be responsible for their lawyers fee. 

I am considering getting a mortgage lawyer to represent me because we want to keep the house and it is our primamry residence. 

I work as a temporary consultant because it has been hard to get a full-tme job and over the last 7 years I have been unemployed a couple of times. 

I am interviewing and should have a new job on XXXX XXXX in a couple of weeks but need your help to get on a payment plan where I can make bigger payments every month to bring the account up to date Can you help me? 



Thank you XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION (CA)

Hello, I have my land mortgage in Texas with XXXX XXXX   XXXX company. 
This is a variable rate mortgage, so the interest rate changes from time to time. 
This situation has now happened for a second time, where by I have send the payment for the amount before interest rate change on time to the bank. What the bank does is cash my check, then return and issue a new check from the bank back to me and send it a letter saying that the amount send was not exactly as the new payment. I also then receive another letter saying that I was delinquent on my last payment and have been charged a late fee plus interest rate. 
I find this outrageous that a bank can actually do this? 

Please look into this issue and see what can be done to remedy the issue? 

Thank you ... 

XXXX. XXXX
Consumer complaint received 2019-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TD BANK US HOLDING COMPANY (CO)

I was informed that i had not made my XXXX Payment. I have made the payment, the Money has been taken out of my account and i have email confirmation stating i had made the payment. I Know my balance was then XXXX. I call in today and they tell me my loan is XXXX 

After i give them the information saying that i paid they hang up the phone or transfer me to the main menu. 
I Only owe XXXX. And i have proof that TD Bank has taken my money but they keep saying they do not have the {$200.00} Payment made on the XXXX of XXXX.
Consumer complaint received 2019-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

On the XX/XX/XXXX my account with paypal was put on limitation from the comptroller 's office of texas, my business owed them money. We paid the debt to the comptroller 's office and on the XX/XX/XXXX the comptroller of texas sent paypal a fax to release my hold. Two weeks and no word from paypal, no confirmation they received said fax ; limitation is still placed on account money can not be withdrawn or spent. 

Legally they do not have the right to keep the hold on the account. They do not communicate to me, their customer, on the case. Every contact I have had with them either by online chat and phone calls, they give me phone numbers to the comptroller 's office telling me they are the ones that have control to lift the limitation. 

Paypal does not connect me to their legal department of which they say once they get the paperwork from the comptroller 's office to release the limitation. Since comptroller office say they already sent it the ball is in Paypal court and yet they refuse to give me legal department in paypal nor let the legal department be informed they need to contact me.
Consumer complaint received 2019-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Please refer to attached document. 

XXXX ( XXXX XXXX XXXXXXXX ) failed to disclose a {$49.00} fee when I made a reservation online and only disclosed " FLEXIBLE CANCELABLE. '' When I subsequently decided to change plans and cancel only then they disclosed the {$49.00} fee. They refused to refund the fee. This is a violation of federal requirement of requiring full disclosure ( 1001.1101 Failure to disclose certain information. ) I then disputed this to Capital One ( https : //www.capitalone.com ), the credit card which I used for payment. They ignored my claim of XXXX full disclosure violations 1001.1101, and  insisted that I contact the merchant for the {$49.00} and declaring the dispute closed!!!! 

I then sent them the attached letter fully describing the situation and explaining that my dispute is now completely with Capital One for failing to represent my SPECIFIC claims properly to the merchant for response and resolution and for failing in enforcing my federal credit rights. 

I cut up my credit card and enclosed it in the envelop with the XX/XX/2018 letter and describing that I am leaving the {$49.00} charge unpaid because of Capital One illegal actions. 

ALL subsequent Capital One communications with me have been over the {$49.00}, adding late fees, interest and penalties and have sent the dispute now to collections.
Consumer complaint received 2023-04-03
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. (NC)

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.

CHILD SUPPORT ENF AG/N : XXXX, XXXXXXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (FL)

I have gotten at least 4 notices of a decrease in my credit limit due to my credit score, however, I have done nothing with the card. I have reached out via phone multiple times to try and correct this account, but I have gotten nowhere. I was originally delinquent due to job loss from COVID-19, but not a single person that I have spoken to over the past 2 years have offered any assistance, or provided with me with the opportunity to sign up for the credit protection even when I opened the account, which is misleading and setting me up for absolute failure.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Submitted a dispute to Transunion on XX/XX/2023 to dispute a student loan listed on my credit report. The investigation results were verified, however, this account is not mine. Also added some historical trend data with many late payments. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a Transunion employee , recommended I submit a claim with the FTC and provide this information to them.
Consumer complaint received 2019-02-12
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. (CA)

I've requested that a late payment reported by XXXX XXXX be removed since I was not 30 days late and also submitted proof to reflect that. I paid my XX/XX/XXXX bill on XX/XX/XXXX of {$62.00} which {$37.00} was due XX/XX/XXXX and {$25.00} was due XX/XX/XXXX which is why I paid {$62.00} to catch up and I also paid again in XX/XX/XXXX. So I made a total of 3 payments in XX/XX/XXXX and have never been late with a payment with them. If it's a late charge it's not counted as 30 days late but I'm not aware of any late charge. XXXX  has disregarded the proof in front of them and keep going with what the credit card company is saying. My payments went to {$25.00} dollars in XX/XX/XXXX and that's why I paid $ XXXX monthly.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I am requesting validation from portfolio recovery associates LLC, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them, and I received a Fake print out from them. 
The FTC has issued an opinion letter on this subject and concludes that an itemized printout does not represent verification. 

Also, add a fake " mini-Miranda check the letter attached to this complaint.