davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Receivables Performance Management, LLC (NJ)

Receivables Performance Management LLC notified me of a debt of XXXX $ that the original creditor denies, I then informed RPM on XX/XX/22 that I dispute the debt and to please provide verification of debt. as of XX/XX/22 they have failed to verify debt and have continued to send an attempt to collect the debt dated XX/XX/22
Consumer complaint received 2020-02-05
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX is on my Transunion Credit Report. The collection agency stated the account is from XXXX in Georgia. The account was created in Georgia at a address in Georgia in XX/XX/2014. The statute of limitations on accounts in Georgia is 4 years unless it is a mortgage it is typically 6 years. I have disputed this account several times with Transunion to no success, because they state XXXX states the account is accurate. I contacted both XXXX XXXX XXXX today and afterwards XXXX XXXX XXXX  at the XXXX Corporate Headquarters. XXXX attempted to negotiate balance of {$190.00} however they have it reported inaccurately on my Transunion credit report as {$190.00}. XXXX Representative, XXXX offered a settlement of {$120.00} and I refused because she couldn't give me a breakdown of the fees and I don't even remember the address in Georgia, because the account is so old, but I did live in Georgia in XX/XX/XXXX. I hung up and called XXXX back and spoke with a rep, XXXX asking why is the account on my credit report if the statute of limitations for a residential utility bill in Georgia is 4 years. The rep stated that XXXX put the account in dispute for XXXX to further review. I called XXXX Corporate  and because the account is so old and written off nobody could tell me what I owed. Per the rep at XXXX my account was sold to XXXX and they were not able to give me a breakdown only saying that he heard the statue of limitations in Georgia for debt is 4 years and 6 years for mortgage loans. I called Transunion and the re gave me a hard time telling me that on any account with Transunion the statute of limitations on every account is 7 years. I told him he was giving false information because the statute of limitations vary from state to state in which the account was created. I told the rep if he ever said such information to a California consumer Transunion would be sued because I know that they are strict on credit bureaus giving false information to their consumers. I asked for a supervisor because of the rep providing me with false information and the supervisor took over my call. Per the Transunion supervisor he would dispute it again but this time in reference to statute of limitations. I am not being treated fairly by Transunion when it comes to making sure items are removed accordingly and that my credit report remains accurate.
Consumer complaint received 2020-08-02
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: CBC Companies, Inc. (TX)

That a fair investigation by XXXX would have elicited information about events or discussions that transpired among me ( XXXX, XXXX ), my wife ( XXXX, XXXX ), and ( XXXX XXXX - agent of XXXX XXXX  XXXX XXXX XXXX ), the creditors between XX/XX/2017 and XX/XX/2017 that cumulated in the judgment of Justice XXXX XXXX on XX/XX/2017 dismissing the eviction charge including rent claims against us ( XXXX, XXXX and XXXX, XXXX ). No attempt was made by the debt collector and the credit reporting agencies despite our requests to prove or dispute my claim. 
That the amount of {$5300.00} billed against us by the creditor was included {$940.00} rental charges billed and dismissed by Justice XXXX XXXX on XX/XX/2017. This is contrary to our agreement and the court ruling. 

Hence, XXXX 1. Refused to investigate the reason for and meaning of the judgement of Justice XXXX XXXX on XX/XX/2017 which vacated the debt of {$940.00} against XXXX, XXXX and XXXX, XXXX. the said amount of {$940.00} which was later incorporated in the debt of {$5300.00} sent to XXXX XXXX That other items in the invoice are fines related to the non-payment of the rent that Justice XXXX XXXX XXXX XX/XX/2017 dismissed. 
2. Refused to investigate the reason that the creditor did not discuss the or inform XXXX, XXXX and XXXX, XXXX about the debt before forwarding it t XXXX XXXX denying the opportunity to settle, negotiate or dispute the debt. 
3. Endorses the abuse of business process by the creditor and XXXX XXXX in pursuing a debt that the so-called debtors XXXX, XXXX and XXXX, XXXX were not properly informed about or given the opportunity to settle or negotiate. 
4. Endorses the abuse of business process by the creditor and XXXX XXXX in unfairly pursuing harmful damage to the credibility of XXXX, XXXX and XXXX, XXXX and punishing their child. 
5. Deliberately ignore the ruling of Justice XXXX XXXX on XX/XX/2017 without asking for more information or providing the reason why the ruling does not apply. Thereby, a. arms the creditor to retain unfair debts in my rental history b. encourage the debt collector to continue hiding the current and updated contact details of the creditor c. endorse and encourage false claims by the creditor ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ).
Consumer complaint received 2018-12-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A. (SC)

I am in desperate need of help! I stupidly took a {$300.00} loan from " mypaydayloan.com ''. I actually didn't accept it yet they deposited the funds anyway. I paid {$90.00} by ACH from my checking account on XX/XX/XXXX. I then researched them & was alarmed by what I read. I revoked ACH & IMMEDIATELY requested a mailing address to send payments. They refused & daily threats began. They have said I owe {$550.00} then {$300.00} then {$350.00} ... they have said I must pay a lump sum immediately then have said payment arrangements may be made. I proposed a settlement and AGAIN asked for a mailing address. They now are THREATENING to sue me for {$25000.00}!!! They say they are a Costa Rican company. How is this legal???? What do I do????? Help!!!!! I only ever speak to one person named " XXXX '' who is harassing me for my debit card #. There is no way I am releasing that & I am scared he has access to my XXXX & checking account. I was foolish & need help!!
Consumer complaint received 2023-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

I am writing to formally a complaint against XXXX XXXX XXXX and request a thorough investigation into the company 's breach of contract. On XX/XX/2023, I initiated an arbitration process against XXXX XXXX XXXX. However, I have recently been informed by the XXXX XXXX XXXX XXXX XXXX ) that the case has been closed due to the company 's failure to fulfill its arbitration fees. Attached herewith is a copy of the letter I received from XXXX. 

Case information Case number : XXXX It is evident that XXXX XXXX XXXX is evading its responsibilities and engaging in unfair practices towards its clients. As per the terms of our agreement, any disputes should be resolved through arbitration. However, the company 's non-compliance with the arbitration fees demonstrates a clear disregard for its obligations. 

I request that a thorough investigation be conducted into XXXX 's conduct and the breach of contract. It is crucial to hold the company accountable for its actions and ensure that fair and just practices are upheld in all business dealings.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

This company is reporting an unverified late payment on my account.. Please be further advised, I dispute the validity of the late payment in its entirety. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

In XX/XX/XXXX, I sent the check to pay the Mortgage for XXXX. The check was cashed on XX/XX/XXXX and Bayview Loan servicing sent me a letter and say that the check was Bad check reversal. I called the company XX/XX/XXXX and they told me I need to send the bank statement and a letter to explain what happened. On the XXXX I sent a fax two times. Two days after, I spoke with a representative named XXXX and she told me they didn't receive the fax. I sent the fax again in XX/XX/XXXX and I called on XX/XX/XXXX and the representative XXXX told me it takes 2-3 days to appear on the system. I also asked the best way to fix it as soon as possible and he told me email. I sent the email on that day XX/XX/XXXX and I called the XXXX and they said nothing appears in the system. 
This account is under my name and my brothers name and we sent check from his account, Thank You
Consumer complaint received 2020-08-02
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: Experian Information Solutions Inc. (AL)

This company is reporting an account on my credit that is not mines. I am a victim of identity theft. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I opened a Best Buy account XX/XX/XXXX, the credit card was issued by XXXX, Citibank. After filing for a divorce in XXXX I was unable to continue making payments, my last payment was XX/XX/XXXX. Shortly after this Citibank reported my account CLOSED, yet then reported to XXXX that I was late 73 months. However, Citibank then reported to XXXX that I made a payment in XX/XX/XXXX ( which is absolutely not true ). This is their attempted to keep reporting this CLOSED account beyond the legally allowed time of 7 years. 

I have made repeated attempts to contact Citibank and the only reponse I got was a form letter stating they could not identify me. The outstanding amount is {$650.00} and it has been since XXXX of XXXX. I don't understand how they could continue to report the account late when by their own reporting it has been closed since XXXX. 

I have worked extremely hard to restore my credit after a horrible divorce and have almost perfect payment history since that time, Citibank is absolutely impossible to contact and I can't get them to obey the fair credit reporting laws.
Consumer complaint received 2018-08-17
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I called the company to let them know I do not owe them the debt the person I was speaking to get hostile with me told me my credit would be damaged my work check will be taking in my federal government taxes would be taking to
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to file a complaint concerning a violation of my federally protected rights delineated in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. The presented list of accounts starkly demonstrates a blatant disregard for my fundamental rights to privacy and confidentiality. Despite explicit requests for reinvestigation directed at XXXX, XXXX and Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  their responses have consistently asserted the completeness and accuracy of all information. However, these assertions directly conflict with the undeniable inaccuracies in critical details such as open dates, dates of last activity, and other pivotal elements. Under 15 U.S.C. 1681i ( 5 ), these agencies are unequivocally mandated to rectify inaccurately reported accounts. Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), any entity is explicitly prohibited from furnishing inaccurate information to consumer reporting agencies when knowledge or reasonable cause exists of such inaccuracies. The ramifications of these inaccuracies extend beyond mere data errors. They significantly impact crucial credit ratios, such as the length of credit history, debt-to-credit utilization, and misrepresented balances, consequently impeding my ability to secure credit. These inaccuracies are an infringement of my rights and impair my capability to obtain fair access to credit opportunities due to misrepresented and flawed data. Additionally, it is crucial to note that while other bureaus could not verify these accounts, they inexplicably remain on the reports of these agencies. This incongruity is perplexing, as all bureaus are expected to follow similar verification processes. The persistence of these inaccuracies across multiple reporting agencies underscores a systemic issue that requires urgent attention. I implore the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter promptly and take decisive action against the entities responsible for their failure to adhere to federal regulations to safeguard consumer rights. Rectifying these inaccuracies is essential to restore the integrity of the consumer reporting system and ensure fair access to credit for individuals. Thank you for your immediate attention to this pressing issue.
Consumer complaint received 2020-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This company is reporting an account on my credit that is not mines. I am a victim of identity theft. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Chime Financial Inc (FL)

On XX/XX/21 I was told my account would be closed and the remaining balance which is XXXX would be sent as a check, On XX/XX/21 I was told by by XXXX from the escalation team I would be getting my closure check within 3-5 business days, I just recently moved so I was unable to update my address prior to my account closing, I got in touch with chime and inquired to change my address I was told I would have to provide proof of the address change with an ID which I did, MULTIPLE times I was told they would cancel the first check and send out a new check. I received the first check but now its no longer valid because they canceled it, Ive been getting the runaround ever since, theyll say give a few hours to look over the documents and never contact me back, then have the audacity to say I dont qualify for a refund now? THAT DOESN'T MAKE SENSE IF THEY SENT THE FIRST CHECK Im tired of this constant back and forth, its inconvenient PURE XXXX  AT ITS FINEST AND IM NOT HAVING THAT!
Consumer complaint received 2020-08-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ceannate (FL)

I dont owe anything to FMS Investment Group. I request to stop and cease all methods of communication with me. PLEASE STOP HARRASING ME!!! My name is XXXX XXXX not XXXX XXXX XXXX!!!!
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (WI)

I was surprised and appalled to find out that third parties are reporting bankruptcy to the credit bureaus. I was erroneously led to believe that it was the court house and/or XXXX who were reporting to the credit bureaus. So I sent a letter asking how each entity obtained this information. In return, I was told various things from public record or the court court house. 
I immediately looked into this and learned that the NEITHER the Court House NOR the Pacer systems reports to third parties or the credit bureaus. 

Therefore these companies fished for information from public records. They then used the fished information to turn a supposed bankruptcy from a private matter to a public matter, which is a direct violation of my consumer rights. 

I did not authorize any third party reporting of supposed bankruptcy. Furthermore, the claim that the Courthouse or Pacer reported the information to a third party or a credit bureau is fraud. 

I demand that the supposed bankruptcy and any accounts associated with it, be removed from my consumer file, immediately. Furthermore, I demand that other third parties and three credit bureaus follow suit.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company has my address in correct I have called ma d provided the correct information my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

Hey, I recently pulled my credit report on XXXX XXXX and noticed the Hard Inquires on my Credit Report was not of my doing. Already sent multiple letters out to Experian, XXXX, and XXXX on the issue but got no responses.
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (NM)

XX/XX/XXXX We purchased a home in Maryland as a short sale. In our HUD 1 it shows that the seller had two loans with 2 separate loan numbers. We received letters from the sellers mortgage company they accepted our offer, and we proceeded with the sale. 
Fast forward to XX/XX/XXXX we were selling our home and had a ratified contract, when 2 days before our scheduled closing on XX/XX/XXXX our buyers title company tells us there is a lien in the amount of $ XXXX outstanding on our home from the previous seller, and no title company will close the deal unless we assume responsibility. Our mortgage company XXXX XXXX XXXX XXXX basically does not wish to help because we did not have title insurance, and they can not file a claim because technically the loan does not exist. The previous sellers mortgage company was Freemont Investments, they went bankrupt, re-emerged as another company and eventually sold to Ocwen. Ocwen will not give anything in writing because they state there is no loan or lien, and flat refuse to provide anything to XXXX XXXX, the current company trying to close this new sale. To further complicate the matter Freemont Investments went out of business, and as said now is Ocwen, who refuses to assist in any way. The previous owners title company also went out of business and our title company we used, which was affiliated with XXXX XXXX XXXX XXXX, also went out of business. Now, we are being told that nobody can help us and the only two options we have are to either assume the $ XXXX debt that shows was paid off of on HUD1, or wait another 8 years for the $ XXXX non-existing loan that was already paid off to fall off of the records. As of XX/XX/XXXX our buyer is requesting to walk away, and this leaves us with a mortgage to a house we can not sell because Ocwen refuses to do the research and give us the release on something that was paid for on our HUD1. Basically, in a nutshell, Freemont Investments only released one of the two liens but received payment for both loand per our HUD1.
Consumer complaint received 2017-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: INVESTORS BANK (PA)

I missed my payment a few times, not in a row, in the following months after, I paid extra to catch up each month. Instead of applying the extra money to my lateness, they applied it to the principle. The paperwork I received never showed my mortgage as delinquent until a year later. When I tried to straiten it out on the phone, they were rude, and said they could n't go back and change it now. Now I 'm paying hundreds of Dollars in late fees, and I ca n't get caught up.