davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-25
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. (AZ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to  obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX
Consumer complaint received 2016-09-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: United Student Aid (USA) Funds (TN)

Was a student at XXXX XXXX College and I believe I was a victim of the predatory lending practices.I was also saddle with hight interest private loans that I did not know about until after I found out about there accreditation. And was Fortunate enough to get out. But I 'm still saddled wit almost XXXX dollars worth of bad debt. This was in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2019-07-25
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. (IN)

The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud..XXXX XXXX XXXX XXXX ( duplicate account, two trade lines ), XXXX   XXXX XXXX , XXXX XXXX, XXXX XXXX,
Consumer complaint received 2019-07-25
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: Paypal Holdings, Inc (MA)

On XX/XX/XXXX an unauthorized charge was made to my PayPal account. 
This charge was flagged as suspicious and I was notified. 
I immediately reported this charge as unauthorized. 
That should be the end of an issue. 
The company denied my claim stating that it was " consistent with my prior activities ''. This is plainly FALSE since I never send money to anyone. 

Transaction ID XXXX TotalXXXX EUR {$1100.00}
Consumer complaint received 2019-07-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/2019 I sent XXXX using my Paypal account. It was being sent to the XXXX to my friend using his friends Paypal.After I sent the money via Paypal I was informed by the friend and by the RECEIVER that she no longer had a Paypal account. I then called Paypal on the date of XXXX and told them of the situation. The rep. informed me there was NOTHING she could do. She advised me to contact my bank. Today, when going thru my email and researching this it shows that I had the option to CANCEL it.No where after I sent the funds was this option given to me. 

this appeared in my email ... ... ... ... ... ... ... ... ... ... ... 
Need to cancel? 
You can cancel your payment within 30 minutes as long as the recipient hasn't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX On XXXX I filed a dispute with Paypal. Then on XXXX paypal replied that the dispute was closed and the transaction would stand as if I sent the funds and the receiver received the funds. When Ifiled the dispute it gave me no means of filing the dispute other than the amount. So I chose the amount in question. Based on that MAYBE is why Paypal ruled against me. 

HOWEVER, I am NOT disputing the amount sent. I an disputing that the receiver has told me she has NO acct. with Paypal and that she NEVER received any such funds from my Paypal acct.
Consumer complaint received 2015-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: EOS Holdings, Inc. (MD)

This company contacted relatives that I did not give their information to. I asked them how did they get that information, they would never tell me. They have been calling and not leaving a voicemail but continuously calling and saying nothing. The woman on the phone said they do n't make the calls but it is automated and they continuously call regardless of time of day.
Consumer complaint received 2019-07-25
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. (IN)

I have never dealt with these creditors in the past. I contacted Transunion and address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible and notify me when you do this so I can go ahead and apply for the things I need to apply for.. XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ) , XXXX XXXX ( ORIG CREDITOR : XXXX XXXX   XXXX )
Consumer complaint received 2019-07-25
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. (AZ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ;
Consumer complaint received 2022-12-02
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

PNC bank changed the terms on my bank account a second time without notifying me. The first change would prevent me from ever having a transaction in the bank with a human being without being charged a fee. I learned about this issue after finding a unknown charge on my account. The ATM was broken and I had to deposit money using a human at the drive through. They later waived the fee because their machine was broken. It was the 1st time I was made aware of the change. I have had the account for over 7 years. There were not the rules that I signed up for the account, The most recent issue was I got charged another fee because the rules changed again and now you needed direct deposit or a minimum balance or a fee was charged your account, I have a couple direct deposits on the account but they were not large enough for the bank. A bank should not be able to offer a bank account and once you have it for a couple years just change the rules without you approving of the changes. Anytime they need more revenue they look at their client 's account and see how can me steal more money from their accounts via fees. They get to use our money to lend to clients and they still charge us a fee for leaving money at their bank. The fees are excessive for doing nothing but depositing money.
Consumer complaint received 2018-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Report number XXXX states my name 's incorrectly as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. 
Incorrect telephone numbers such as, XXXX XXXX, XXXX XXXX. 
Incorrect employers such as XXXX XXXX, XXXX XXXX. 
Incorrect spouse name such as XXXX. 
Incorrect address for example, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX, XXXX, PA. XXXX. 

My correct name is XXXX XXXX. 
My correct telephone number is XXXX. 
My correct employment is XXXX XXXX. 
My spouse name is XXXX XXXX XXXX XXXX. 
My correct previous address is, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA. XXXX
Consumer complaint received 2019-07-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated (MD)

Sovereign Landing Group Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX I am refinancing my house with Sovereign Landing Group Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX Yesterday Monday XX/XX/XXXX at XXXX XXXX Sovereign sent an appraisal name XXXX XXXX his address XXXX XXXX XXXX XXXX, MD XXXX to appraise my house, XXXX XXXX was very rude man and has no customer services skills every time I was talking to him he ignored me and did not want to talk back, I felt that he was prejudice toward me because I am speaking with forging accident, and XXXX XXXX was in my house around only 7 minutes for 2500 sqf big house to do appraisal and he was out side for maybe less than 5 minutes and I was surprised by finishing my house appraisal for less than 24 hours and usually big house like my house it should take 2 to 3 days to study and give right appraisal, I feel XXXX XXXX was not fare with appraisal my house for his personal reasons he appraise my house for only $ XXXX, and I have a copy of my pervious appraisal on XX/XX/XXXX that my house was appraise for {$560.00} and in XXXX area houses goes up in prices every month my house is worth at least $ XXXX
Consumer complaint received 2019-07-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (OH)

I deposit a check into my checking account on XX/XX/2019 on XX/XX/XXXX i went inside Key Bank they explain to that the check was not signed right and that they were going to take care of this and that the check was cleared and the funds will be available on XX/XX/2019 well the XXXX came and there was still an issue with the check they frozen my account so i went to the bank with the same issue ask the manager to close my account she told me that she did and took my debit card i check my moblie account the account is still open she never honor my wishes
Consumer complaint received 2019-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MA)

CITI Double Cash Card ending in XXXX. Payment was due on XX/XX/XXXX, a Sunday. It therefore posted as paid on Monday the XXXX. I received a notice that since this was my first time late, the late fee was waived. This bogus " courtesy '' aside, the email sent to me by CITI indicates that they still consider the payment late.
Consumer complaint received 2019-07-25
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: JPMORGAN CHASE & CO. (FL)

I found employment on XXXX with a company name XXXX XXXX XXXX XXXX. As a XXXX XXXX. I was advised that I would be doing training and exams for a whole month XXXX. During that time I received reading material and tests via email. 
On XX/XX/XXXX, I was assigned a purchase order, were XXXX deposit money on two of my credit cards XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, a total of US {$7000.00}. One of my credit cards was paid US {$4600.00} and the other credit card US {$2300.00}. 
After receiving the payment and saw that it was showing on my account I decided to verify with my bank, JP Chase Morgan, that everything was good with my payment. I called my bank on XX/XX/XXXX around XXXX XXXX and one of their representatives told me the money and the transaction was in good statement that I can proceed. 
After verifying with my bank and they said to proceed with the purchase I went and fulfilled the purchase order and send it where I was ordered to. 
Three days later ,XX/XX/XXXX, I noticed that the money was removed from my credit cards account leaving me with the debt of the purchase order amount {$6400.00} plus {$400.00} that I was supposed to get paid for the time. 
After seeing this I was very concerned and called my bank because the ONLY REASON why I did the purchase order was because my bank told me that everything was ok with the transaction, I trusted them since I was with Chase Bank since XXXX. 
I got scammed because I trust my bank and now they, Chase, want to make me responsible for an amount of money that I didnt used and instead of they try to help me they decided to close all my credit cards including my business account as well, when I have always been a good customer of than and never had a late payment or any type of issues. 
I made a police report, the case number is XXXX.
Consumer complaint received 2018-06-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Accelerated Receivables Management, Inc. (CA)

We have near-perfect credit almost allways in the 800 range. While trying to buy a new home, a credit mark showed up from a XXXX XXXX Lab service done way back on XX/XX/2014. The company is now out of business due to fraudulent billing practices but a company called XXXX XXXX XXXX ( phone is XXXX XXXX XXXX ) placed the mark on my credit report without first contacting me. Their head of this account also verbally threatened me with a lawsuit if I did not pay in full immediately, which I take very seriously. I was also told that I could resolve the issue by sending them the Explanation of Benefits documents ( from my insurance, XXXX XXXX XXXX XXXX, which I did. They did not respond and the bad mark on my credit remains in place. I simply refuse to be extorted like this and companies that make these kinds of threats by inaccurately placing bad credit marks on your history need to be held accountable.
Consumer complaint received 2019-07-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DC)

I started receiving letters and phone calls from Portfolio Recovery Associates in XX/XX/XXXX. I wrote the company to inform it that I did not have debt and to cease contacting me in XX/XX/XXXX. I also informed the company over the phone that it was contacting the incorrect person in XX/XX/XXXX. In XX/XX/XXXX, the calls resumed and the company also calls my wife. I have never had the debt Portfolio Recovery Associates claims I have and my credit report reflects that I do not own the debt I keep receiving calls about.
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (FL)

My parents passed recently and I am the executor of record with XXXX XXXX County through probate. There is a mortgage recorded XX/XX/1996 that no satisfaction of mortgage was filed for yet for a mortgage with the same bank, XXXX XXXX, that has folded, Ocwen filed a release for. There have been numerous mortgages after the fact but because we can not get the SMO for the 1996 mortgage, we are unable to sell the home as title will not clear. Ocwen requests proof of payment from me for a mortgage of over 24 years when the house has been emptied for 5 months.
Consumer complaint received 2018-06-27
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. (MD)

I disputed information on my credit file and they decreased my score my 16 points. That's impossible because i paid down on everything by 30 %. Score should be higher not lower.
Consumer complaint received 2019-07-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2019-07-25
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. (IL)

I have asked Transunion to remove all non account holding inquiries by sending in a letter with dispute information. Transunion did not remove the non account holding inquiries from my report. I have attached the highlighted inquiries that I want removed.
Consumer complaint received 2019-07-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint bought my mortgage from XXXX XXXX last XXXX. I provided them with a Declaration of Insurance from XXXX and they had {$4600.00} in insurance escrow to renew the policy which was up in 30 days for renewal. They failed to renew the policy. Never notified me about it. In XX/XX/XXXX Shellpoint had " notified me '' via mail which I never got that they were going to buy new hazard insurance. I never got information on the company, the coverage etc ... 
Fast forward to XX/XX/2019 my monthly payment went from XXXX to {$1100.00} without my permission or knowledge. 
Contacted the company and they have had NO ANWSERS but somebody will get back to me.
Consumer complaint received 2019-07-25
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: EQUIFAX, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification  of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; ( Original Creditor : ) XXXX and ( Original Creditor : ) XXXX
Consumer complaint received 2016-01-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I am being taken to court for default judgment. I disputed the debt and received XXXX statement dated XXXX XXXX with late fees and interest charges. I contacted the attorney handling the case asking for more information such as how was card opened, what transpired as of my dispute filed XXXX XXXX, why the account number was changed, when last purchase made, what was balance prior to late fees and interest, etc. She had no answers and told me to contact the original Capital One. I contacted Capital One and they had no answers and referred me to call XXXX XXXX as they had the file. XXXX XXXX had no answers either as they turned the file over to attorneys in North Dakota. I believe I disputed charges and the debt owed is late fees and interest fees how can I get information pertaining to this account?
Consumer complaint received 2022-10-06
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. (WA)

In accordance with the Fair credit reporting act. This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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.