davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (OR)

I mailed ] my XXXX mortgage payment from XXXX, Oregon to Pennsylvania on Monday morning the XXXX of XXXX on XX/XX/2019, I applied to refinance my residence. my lender called me to inform me I had a mortgage late on my credit report for XXXX. I went to my bank and found out Selene credited payment on XXXX XXXXI have been mailing my payment around the XXXX of every month and have never had a late payment. 
I want the late payment removed. with 4 day delivery the payment would have been in their possession on Friday the XXXX. 
note their statement in the first sentence of paragraph 3. 
PAYMENT MUST BE RECIEVED BY THE LAST DAY OF THE MONTH. 
I am requesting proof from Selene that they received my payment on XX/XX/XXXX. 
again worst case it was received on XXXX that still leaves 1 extra day ( Saturday ) for my payment to be in their possession.
Consumer complaint received 2019-05-24
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. (MA)

On or around XX/XX/XXXX contacted TransUnion to dispute XXXX XXXX XXXX # XXXX ( CFPB Complaint : XXXX ). TransUnion, XX/XX/XXXX, Resolution Summary reflects disputed accounts DELETED. XX/XX/XXXX TransUnion Credit Report ( File Number XXXX ) reflects XXXX XXXX XXXX # XXXX TransUnion allowed a previously disputed, investigated, and deleted adverse account to be reported in my file. After I provided proof that this is not a valid debt as described in XX/XX/XXXX compliant this debit is not owed by me nor is it my responsibility because is was a bank error and payment was offered to the original credited on numerous occasions but rejected. Additionally, Federal and State laws provide for removal of false or inaccurate information on credit reports.  XXXX  XXXX XXXX  and XXXX XXXX XXXX, XXXX XXXX XXXX fraudulently reported an outstanding debt to XXXX after the court dismissed the case due to Georgia XXXX XXXX XXXX offered by the bank and myself to XXXX XXXX XXXX XXXX XXXX XXXX at XXXX and rejected. I am seeking damages from TransUnion for not permanently removing a previously deleted account from my file. TransUnion is allowing fraudulent practices of resubmitting the same report when it has been determined the original report was false.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

XX/XX/2019 I request Experian credit bureau to send annual credit report to me. they said within 5 to 7 business day I call back unable to get thru representative, I still have not receive report. Violating tittle 15 U.S Code 1681e I am a consumer,
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX I disputed an account being reported by Equifax on my credit report ( XXXX XXXX XXXX ). In my dispute letter I requested the following : " Please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including XXXX XXXX XXXX, containing 18 fields, which ensures that the information was identified correctly by your bureau, XXXX XXXX XXXX, containing 49 fields, which provides the specific account information for me, XXXX XXXX XXXX, Containing 47 fields, which summarized the data submitted to your bureau specific to my particular file. '' I received a response on  XX/XX/19 that the investigation was completed and that the information was 'verified as accurate '. I then sent a second request on XX/XX/XXXX requesting that the account on my report be validated WITH PROOF. Equifax then sent a response on XX/XX/2019 stating that the account has been 'verified as accurate ' but again did not send any requested proof that I am entitled to by law. On XX/XX/19 I sent over a third and final letter disputing the accuracy of the account on my credit report and requested proof. On XX/XX/19 they sent me the exact same response saying that the information was 'verified as accurate ', but again did not provide any proof as requested. 

In my dispute letter I asked that they not respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that you have in your files that were used to verify them. I am concerned because it appears as though I received an automated response to my request and that no real investigation was done. This not only completely unacceptable but in direct violation of my rights under the FCRA
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (AL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2023-04-10
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. (MS)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2019-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARS National Services, Inc. (NC)

I was illegally XXXX by a prowling opinion that felt obligated to call me abused and interrogate me as if I was a threat to someone or myself illegally and now insists that I pay the bill it created by attacking me and giving me no right to representation or even a say so with its own decisions and blaming even my parents. The bills created by this covetous force should be sent to who created them.
Consumer complaint received 2023-04-10
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. (MD)

I sent a letter last XX/XX/XXXX, to remove the following items listed below that are 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 not later than 4 business days. Ive already included this in my previous request & I am including it again. 
XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  Balance : {$100.00}, XXXX  XXXX XXXX Balance : {$57.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$450.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXXBalance : {$2100.00}, XXXX XXXX Balance : {$120.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX Balance : {$180.00}, XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TN)

On XX/XX/year> I settled a debt with the collections agency XXXX XXXXLVNV . I made a complaint and the company responded that I would not receive any more communications from the company regarding this debt however the company is still sending letters to my home regarding this paid debt. If a debt collector continues to pursue a debt that has been settled, they are violating sections related to misrepresentation of the debt amount and harassment. 

I received one letter on XX/XX/year> and another letter on XX/XX/year>. Since this debt was already paid, there was no reason to receive these communications. I was told once the account was paid, XXXX XXXX would be automatically notified. Also, on XX/XX/year> a settlement letter should be sent to my personal email considering it has been 15 days and a request to delete from my credit report should be in progress.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I reviewed my Consumer Reports and noticed that I had 3 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 : Capital One Credit Card 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 2022-06-19
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. (GA)

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

15U.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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-02-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (FL)

My step father opened accounts fraudulently under my name. I was in the process of studying for XXXX to become an XXXX and not aware he was doing such things. Once it was brought to my attention he indicated that he did open it only to help establish credit under my name. Unfortunately with all the stress and studying for XXXX I did not address this sooner. Once I passed XXXX and was able to work on other things I was reminded that he opened the account and that he was n't going to make payments. I did not make any charges, nor did I authorize this account to be opened and when I tired to explain this to Discover but they stated it did not matter I was still responsible for the payments because the account was brought to my attention sooner. It was my step father who helped raise me from an infant that opened this account fraudulently and since I was consumed with studying I was not aware of the details. 
In the process of applying for my current position as an XXXX the company wanted a copy of my credit report and to know what accounts were outstanding so I had no choice but make a payment to Discover so that my job would not be in jeopardy due to a fraudulent account. 
Bottom line : This was not opened with my consent, I did not under any circumstance use the credit line in any shape or form and this needs to be closed and done with. I am sending a copy of the policy report because Discover did not want to see it. Please help me resolve this, I should not have to go through this because someone opened accounts under my name without my knowledge or consent.
Consumer complaint received 2019-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MD)

XXXX account opened XX/XX/2019, was opened for internet service for my apartment. I orderded the 150mbps package, once installed the service was slow ans went out intermitten. 

I called customer service several times over my term or service and had several inspectors come out to check the line. 

Unfortunately, the company stated that the plan that I was paying for was not available in my area and that I was overpaying for the service. 

At this time I would like to have the collection removed paid in full. 

Thank you
Consumer complaint received 2019-05-24
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. (TN)

Since XX/XX/XXXX XXXX has been running " a credit application '' for various " XXXX credit accounts '' that I'VE NEVER APPLIED FOR! I've filed various complaints and asked that they STOP! The previous complaint that I filed through you resulted in them " masking ' the inquiry but apparently not in them stopping the activity since on XX/XX/XXXX it was done again according to the attached letter. I WANT THEM TO STOP! In addition to this request I WANT THEM TO PROVIDE ME WITH THE IP ADDRESS THAT THE APPLICATION WAS SENT FROM SO THAT I CAN TURN IT OVER TO THE FBI INTERNET CRIMES DIVISION so the culprit can be prosecuted accordingly. I was told with the XX/XX/XXXX inquiry to ask for this information in writing so in addition to telling them to STOP, I want the IP information sent to me in this response. I want them to remove the fraudulent activity of course.
Consumer complaint received 2019-05-24
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: EQUIFAX, INC. (TN)

Since XX/XX/XXXX XXXX has been running " a credit application '' for various " XXXX XXXX accounts '' that I'VE NEVER APPLIED FOR! I've filed various complaints and asked that they STOP! The previous complaint that I filed through you resulted in them " masking ' the inquiry but apparently not in them stopping the activity since on XX/XX/XXXX it was done again according to the attached letter. I WANT THEM TO STOP! In addition to this request I WANT THEM TO PROVIDE ME WITH THE IP ADDRESS THAT THE APPLICATION WAS SENT FROM SO THAT I CAN TURN IT OVER TO THE FBI INTERNET CRIMES DIVISION so the culprit can be prosecuted accordingly. I was told with the XX/XX/XXXX inquiry to ask for this information in writing so in addition to telling them to STOP, I want the IP information sent to me in this response. I want them to remove the fraudulent activity of course.
Consumer complaint received 2018-06-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (VA)

I meant to purchase XXXX BTC on coinbase.com on the morning of XX/XX/XXXX. However, transactions on coinbase will be pending for 1 week and mine will complete on XX/XX/XXXX. Immediately after the transaction, I realized I purchased XXXX.  I immediately took to the support center to find a way to remedy this situation. It is impossible to speak to a human or get help for anything with coinbase.com. I have submitted a support request, but I then proceeded to read horror stories about many months-long support requests online. I am appalled by the level of service this company provides given the amount of money that is exchanged on this website each day. How can a company like this be so negligent when so much is at stake? How is it not possible to cancel a mistaken transaction while it is still pending, and will not take place until XX/XX/XXXX?
Consumer complaint received 2023-04-10
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. (SC)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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 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 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC (VA)

Lexingtonlaw.com - charged me fees without sending any kind of notice. There was no email, phone call, letter, nor text message about these fees being applied. I only discovered them upon checking in the web portal account details. When I first chatted in about the fees, an agent agreed to refund the most recent two, and that a manager would call me back. Well, that never happened. Then the next few times I called and text messaged in, they refused to issue any refunds. 



Invoice # Date Status Description Amount XXXX XX/XX/2022 PAID Monthly Subscription Fee {$23.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$8.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$45.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00} XXXX XX/XX/2022 PAID Late Fee {$9.00} XXXX XX/XX/2022 PAID Monthly Subscription Fee {$59.00}
Consumer complaint received 2019-05-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

I am a PNC bank cust. Another PNC bank customer ( XXXX XXXX ) had a listing for a house for rent. He showed me the house and I signed the lease. He requested I pay him with XXXX since we both had the same bank. I had never used XXXX so I visited a branch nearby and the assistant mgr walked me through it. {$1000.00} on XX/XX/2019 for security and pets and {$700.00} on XX/XX/2019 for 1st month rent. Afterwards the guy stopped returning my calls and through the local police I found out he didnt even own the home and it had been sold. I filed a dispute with PNC because this was fraud and a XXXX  violation but they told me since I initiated the two transactions I was at fault and they would not help me.