davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (FL)

I opened an account with PayPal on XX/XX/2018 and after I got things set up I immediately was told via email that my account was locked and limited in access. I went thru their process of uploading documents to regain access : I uploaded a bank statement, utility bill, and even my driver 's license, passport card, and I believe also my social security card to prove my identity. What happened was they attached an account to mine ( and I provide that account name in the docs ) that I've never seen before -- it is not mine. As you'll see from the many documents I provided, they repeatedly dismissed what I said, what I sent, and kept asking me to pay nearly {$600.00} of a debt I do not owe! The exact amount is {$580.00}! Moreover, they repeatedly kept sending generic, seemingly computer-automated emails requesting the SAME INFO I ALREADY SENT, as well as info I would not and DO not have as a new account holder. After dealing with their extremely impersonal system via their website & email, I decided to see if I could get something done via social media, so I tweeted to them and them messaged them. Long story short, it was also of zero help to me, and one of their reps by the initials XXXX was very off-putting and unprofessional ; their social media customer service is useless. It was after all of these nightmares that I got a useless letter in the mail -- which is attached to this complaint -- dated XX/XX/2018 and postmarked XX/XX/2018. The letter basically said that I owe this amount and that everything is 'true and correct '. By the way, for a debt I DO NOT OWE, for an account I DO NOT KNOW ABOUT, and with NO PROPER INVESTIGATION OR PROOF. They have no clue if the email address of the account they're saying is mine is actually mine, nor did they give me proof. They have no clue if any transaction on that other account was made by me, and they did not provide proof of this either. If proof is not required when demanding someone pay a debt, it's not only unethical, but dangerous to my person & identity as a consumer. It's like my hands were/are tied. After I tried all I could online, I sent in a letter to their legal/civil department ( certified ) and to their customer service address ( regular mail ). I disputed this charge and all of what was told to me by them, citing the FCRA and FDCPA, particularly Section 623 of the FCRA, requesting an investigation and results of their investigation. I do understand that a consumer must first dispute the credit bureaus, but PayPal is slick by not putting this false, unverified account on my credit reports. Remember though, I did work directly with them and THEIR METHOD of regaining account access ; with that in mind, what in the world else am I supposed to do to avoid paying a debt that isn't mine?? The letters were mailed and received by them in mid XXXX. It is now XX/XX/2018, well over the required 30 days, and I have not heard one word from PayPal.
Consumer complaint received 2018-08-05
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. (NV)

On my credit report it states that I have two deliquient accounts with XXXX witch was sent to XXXX XXXX XXXX XXXX with a balance of {$2300.00} on one on XX/XX/XXXX and the second one for {$260.00} on XX/XX/XXXX that do not belong to me and this is the first I have known of it and I filed a dispute with the credit bureau. 

Also there is two accounts that are also in collections from XXXX XXXX XXXX one for {$3300.00} on XX/XX/XXXX and the other one is for {$250.00} on XX/XX/XXXX these accounts are also not mine I have never bailed anyone out of jail and I filed a dispute with the credit bureau on these on XX/XX/XXXX. 

A bank account or credit card at XXXX XXXX XXXX XXXX was opened in my name with a balance of {$600.00} as well on XX/XX/XXXX that was not me I have filed a dispute with the credit bureau on this as well on XX/XX/XXXX
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

XXXX XXXX XXXX I received a call from a XXXX XXXX identified herself as an employee from Chase fraud department verified my account number and said she was closing my account and issuing a new card. 
XXXX I received an email saying apple card added to my account. 
XXXX XXXX game stop charge appeared. 
XXXX XXXX  notification came on my phone charge on target fraud. 
XXXX charge at XXXX XXXX XXXX XXXX saw fraud report with game stop charge on there, I called chase and they gave me XXXX in my account. 
XXXX saw temporary credit XX/XX/16 took back credit. 

I went to XXXX police department filed a report, A detective went into XXXX stop and got surveillance tape saw it was not me. 
detective called chase explained all that also offered them surveillance tape they said no case closed. 
They are claiming the call from XXXX XXXX was a fraud phone call, like i was suppose to know that with all the people working fvrom home.
Consumer complaint received 2024-02-29
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. (NY)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2021-04-12
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: Experian Information Solutions Inc. (OR)

Dear Experian, XXXX  and XXXX, This letter is sent in response to your negligence in resolving a serious matter related to misinformation on my credit report. Despite credible information that shows I do not owe XXXX XXXX anything, you have continued to falsely include negative marks on my credit report. 

Please send the following information : The name and address of the current creditor, original creditor, account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

If you can not produce the items requested, you are required to delete the information. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-08-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I have a loan with Ditech Financial the property need insurance which I provided by XXXX XXXX the problem is Ditech went on put insurance which take the mortgage too high for me to afford the mortgage. I send them the all the insurance information and have XXXX  XXXX company called and still Ditech refused to take the insurance off, my mortgage payment was {$890.00} now because they had insurance is now {$1100.00} which is way too much for me can you instruct me on my next step thank.
Consumer complaint received 2020-12-16
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. (WA)

Several years ago a vehicle was incorrectly listed on my credit report. All 3 reporting agencies : XXXX, Transunion & XXXX, refused to report it accurately as the lender stated that it was correct. This has made it impossible for me to rent or get a mortgage for over 5 years. Recently, the lender reached out and sent a letter of apology and a cashiers check to make up for their error. I sent this letter to the credit reporting agencies, and they still refuse to remove it from my reports. This is not only scandalous, it should be illegal. I want XXXX XXXX account removed, in its entirety, from all of my reports. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

If the three credit bureaus, Equifax, XXXX, and XXXX, are private and for-profit companies, why I am obligated to have my information with them? I should have a choice to remove my identifying information from the database of these PRIVATE companies that have been proven to be lax on consumer information security. 

Where is the US LAW that states that these companies MUST have my information? Where is the US LAW that states that they can not remove my personal information at my request?
Consumer complaint received 2018-08-05
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. (MS)

Between XX/XX/XXXX and XX/XX/XXXX I disputed a BK ( bankruptcy ) that has been discharged since XX/XX/2009. I disputed with TransUnion. I also called the courts, which is The Bankruptcy Courts Of Mississippi, located in XXXX, Ms . The courts stated that they do not share information with the credit bureau. They also stated that they have no record of contact with TransUnion. I'm writing this complaint to the CFPB to have TransUnion remove the BK ( bankruptcy information from my credit file.
Consumer complaint received 2018-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (CA)

LIST OF HARD INQUIRY THAT WILL NOT DISAPPEAR OFF OF MY REPORT XXXX XXXX  XX/XX/2018 TD AUTO FINA Finance XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 I bought a car on XX/XX/2018 and was told that the hard inquiries would not stay on my credit report. A month later these are still on my credit report and affecting my credit score.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX, XXXX XXXX account ending in # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 2018-08-05
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: CITIBANK, N.A. (IL)

Citibank is not handling a valid fraud case, and I have opened it four times and submitted supporting documentation and each time they ignore it. My balance is now {$5300.00} account ending in XXXX. I opened this account several years ago to pay for ONE semester left of XXXX XXXX and I finished that year and then my college accidentally charged me for another semester, even though I had already XXXX, finished my schoolwork, and XXXX. I have proven this with varied documentation from my university but Citibank refuses to help even though, by Law, they are bound to do so. 

I am now XXXX and living on XXXX. I have XXXX XXXX XXXX. Citi is reporting this account to the three credit agencies each month and they have ruined my credit. I have stopped paying on this account because these charges are not mine! I have been so sick that calling in is very difficult most days but I have been able to write emails, fax and snail mail letters, and in all I have sent about 31 and I have kept detailed records of each. Citi continues to blow me off and as a XXXX person this is discrimination. I need this account to be cleared off of the Charges that are not mine which is the bulk of the balance through XXXX, University XXXX XXXX XXXX. 

I have read through my legal agreement with Citi and it clearly states this is their responsibility to do. I have also talked with a XXXX lawyer who told me to start making complaints like this one to draw attention to the issue. 

Please help me. These are not my charges! I have proven this!
Consumer complaint received 2018-08-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Real Time Group, Inc. (TX)

From the onset of Realtime Resolutions  has provided false and inaccurate billing statements. Despite paying the agreed amount on time Realtime Resolutions continues to send me billing which reflects that I am behind on payments which actually I am not. This is more than frustrating as this is the third complaint filed to have an official audit of my account. Realtime Resolutions has committed fraudulent acts by sending correspondence which reflects payment up to date. But billing statements from the past four months that indicate that I am delinquent on payments which is false.
Consumer complaint received 2018-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Round Limited Partnership, Austin, TX Branch (TX)

This company continues to report inaccurate information to the credit reporting agencies. I have sent several letters requesting physical evidence confirming that I owe the company such debt, specifically any paperwork with my signature agreeing to pay such debt. Their response is either copies of some statement with my name on it ( which can easily be made with PDF editing software ) or simply a letter stating that I have to provide evidence to support that they are reporting false information to the credit bureaus. The burden of proof is on them but they refuse to provide the documentation I requested claiming that they received an electronic file when the debt was purchased. This needs to stop! This company has made a mess of my life having false, unverified information on my credit reports which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (IL)

I bought >6k worth of furniture from XXXX XXXX XXXX. I opened a line of credit with the company at the point of sale. Apparently XXXX XXXX XXXX uses td credit card services. I have had ongoing issues with paying my bill since I got the first statement in XXXX or XXXX. 
Anyways, a late fee was waved in XX/XX/XXXX because of issues not related to anything I'd done. I paid regularly until XXXX, when I stopped receiving statements. Today ( XX/XX/XXXX ), I called and after being disconnected on and off for 10 minutes, I informed the customer service representative that I haven't received a bill in 2 months, and I don't want to be charged late fees for a bill I haven't received. I told her I WANT TO PAY, just wave the late fees. She investigated the case and discovered that my bill had been marked " return to sender ''. I never wrote that. I'd never received the correspondence. Anyway, she told me the late fees of about XXXX dollars wouldn't be waived, as I'd already had a waived late fee in XX/XX/XXXX. 

I asked to speak with a supervisor about the issue i.e. why am i being penalized for a mistake on the part of td card services or usps? Whatever the issue was had nothing to do with me, so my account should reflect no penalties. The customer service representative became upset and made it seem like my frustration was personally targeted at her, despite numerous statements indicating that I see her as nothing but a cog in a corrupt machine. She is powerless. Please let me speak to a supervisor. Instead, she told me explicitly that the call was being recorded. I said : let me speak to the XXXX that pay you. She screamed something and put me on hold, then hung up.on me. 

I told them when I was informed about being recorded that they should record me saying I'll be contacting the cfpb about td credit card services. I went ahead and paid the allegedly owed balance, hoping that your agency would help me get justice from these capitalist criminal extortionists. I paid, I believe, XXXX dollars or thereabouts. XXXX is late fees. Please help me get justice.
Consumer complaint received 2024-03-27
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MD)

The debt and documents that genesis are sending for proof is incorrect, the property XXXX has fraudly sold this incorrect debt to genesis, the property never communicated with me about these extra fees or even tried to settle this debt with me because they knew it was incorrect, i will continue to fight this until it is resolved, i do not owe this amount and it is illegal to put interest on a debt that i did not sign a contract with genesis. They also call me all types of hours and days all day, making threats and being very disrespectful.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Other — 
Company: Praxis Financial Solutions, Incorporated (CA)

I was contacted XX/XX/XXXX by a collection agency representative who claimed he was an " officer '' and made threats of immediate arrest and intimidation. This, despite my having sent the collection agency a letter asking them to cease all further communication in accordance with the Fair Debt Collection Practices Act. They have since repeatedly contacted me in violation of this law.
Consumer complaint received 2018-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This complaint is against PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. This company continues to report inaccurate information to the credit reporting agencies. I have sent several letters requesting physical evidence confirming that I owe the company such debt, specifically any paperwork with my signature agreeing to pay such debt. Their response is either copies of some statement with my name on it ( which can easily be made with PDF editing software ) or simply a letter stating that I have to provide evidence to support that they are reporting false information to the credit bureaus. The burden of proof is on them but they refuse to provide the documentation I requested claiming that they received an electronic file when the debt was purchased. This needs to stop! This company has made a mess of my life having false, unverified information on my credit reports which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance. I have, as a consumer, requested for validation of my debt on these accounts : XXXX, XXXX and XXXX and so far my requests have not been answered.
Consumer complaint received 2020-07-29
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: Experian Information Solutions Inc. (IL)

Experian and XXXX have been reporting these fraudulent accounts under my name XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts
Consumer complaint received 2018-08-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

Referencing the attachment on pages 5,6,7, & 8 under a microscope, Rushmore ( unidentified representatives ) states in fact that XXXX XXXX XXXX XXXX executed and authorized Rushmore as Power of Attorney as its Servicer & Attorney-in-fact on XX/XX/2016.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

2 Late payments from XX/XX/XXXX& XX/XX/2015. I was going through financial hardship due to my girlfriend being XXXX and unable to find work. I then lost my job dealing/helping my brother who was then diagnosed with XXXX. I have sent multiple goodwill letters and emails with no response. I have not been late since and all my payments have been on time with low utilization.