davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-07
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. (FL)

The credit bureau is incorrectly reporting a " XXXX XXXX '' account on my credit report. According to my credit, it was opened in XX/XX/XXXX for a debt of {$1300.00}. The account number is : " XXXX ''. I have never had any business dealings with this collection company. I do n't know who they are or why the credit bureau is reporting that I have a debt with them. This is not the first time I have disputed this account, I have sent written disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this removed but time after time, the credit bureau has dismissed my disputes as frivolous and they refuse to remove this from my credit. I want to add that XXXX has no record of this account. When I sent the same dispute, it was confirmed that the account did not belong to me and was promptly deleted. How can there be a different result for the same investigation between XXXX and this credit bureau? This does not make sense. This is why I am taking my complaint to the Consumer Financial Protection Bureau.
Consumer complaint received 2021-02-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NM)

I have been contacted my comenity XXXX XXXX for my credit card being due over 10-15 Times this week since Monday. I told them to quit calling, and they still proceed to call and change phone number, they call me from 2-3 different numbers a day ... ..
Consumer complaint received 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XX/XX/2020, I filed a dispute with this credit major bureau about the unverified account : XXXX XXXX XXXX account # XXXX. In those two months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days which is a violation of the FCRA. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2017-07-07
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BB&T CORPORATION (NC)

I filed a complaint (  XXXX  ) that was not addressed by the company to my satisfaction. The company withheld access to my funds f or 7 business  days costing me {$120.00} in interest expenses. When the initial deposit was made the teller stated that ther e MAY BE  a 2 day hold. They held it for 7 days.
Consumer complaint received 2017-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

There is an unexplained charge of {$170.00} attached to my mortgage that needs to be removed. The company to me to have my lawyer explain it when I called. Unacceptable!!!
Consumer complaint received 2017-07-07
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Guidiville Indian Rancheria (OH)

On Friday, XXXX XXXX,2017, A XXXX XXXX of XXXX XXXX XXXX contacted my employer stating that a payday loan debt, which was paid, I have copies of the contract and the payments made through my credit union to verify payment, was not paid. They also attempted to contact the office manager. There conduct is in violation of several US laws and regulations that provide for the collection of purported debts.
Consumer complaint received 2017-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (GA)

My PayPal XXXX XXXX was stolen as I was walking into the store and the person stole it from me while I was not looking. I thought at first I just misplaced it at first but then I saw he sent me XXXX as a personal/gift payment which I know does not have protection for the buyer or seller. He then proceeds to immediately spend the money at a fast rate all at different XXXX stores. He first spends XXXX, XXXX twice, XXXX and lastly XXXX XXXX, as you can all on XXXX XXXX, XXXX. As you can see from my history I do not spend this have this kind of money and would never spend that large of money with my PayPal XXXX. What I am guessing is this person did a money order from XXXX and bought them quickly so he can take advantage. After this, this caused my account to go to into limitation and PayPal XXXX told me they notice some unauthorized activity and it froze my account. PayPal can even check the ip address to show some XXXX other went inside of my account to send me the money and send the money to somewhere else. Then on XXXX XXXX he did a charge back which caused my account to go in the negatives of - XXXX. I then proceed to dispute it with PayPal, but they did not help me because he sent the money as a " gift '' instead of sell and services. So I was out of luck and now PayPal is coming after me when I can not pay for this and this is not my debt. Tried everything with PayPal, I kept calling them and they will not do anything.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Shellpoint Partners, LLC (GA)

hi my name is XXXX and i was on motgage account that happend XX/XX/XXXX with another person and the house was sold i be, ieve on XX/XX/XXXX we called the company asking why the information was on my credit report and they said that it supposed to stay on there til XXXX after speaking to the mortgage company they explained that it shouldnt be there after it has been sold please help thanks in advance
Consumer complaint received 2021-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

I was on a site called XXXX on XX/XX/XXXX, and I was looking for the new XXXX XXXX XXXX XXXX. When I found a decent looking price ( {$530.00} ) I messaged the guy and we talked and told me to send the payment {$530.00} over Zelle. I wasnt aware at the time that Zelle doesnt even have any fraud protection, like XXXX . He lied about a shipping fee, and tracking number fee ended up sending another {$120.00}. In total {$750.00} I sent to this guy and I eventually saw this was fishy, but it was too late. Now Im fighting my bank XXXX XXXX, and trying to get a hold of Zelle. Toda, XX/XX/XXXX My bank told me they did everything they could and their request was denied. I tried calling Zelle and they refused to help.
Consumer complaint received 2024-02-19
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Creditor : XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Creditor Phone Number : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Phone Number : XXXX I recently checked my credit report and noticed some inaccurate accounts reporting.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Get the accounts result of ID-Theft off my credit report now! Other bureaus fixed it, and even the creditors agreed they're fraud. Stop damaging my credit or face legal action. Investigate, remove, and give me written confirmation no excuses! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please DELETE.
Consumer complaint received 2021-02-06
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. (GA)

My most recent contact with these companies was on XX/XX/XXXX when I sent in letters regarding inaccurate and unknown information on my credit reports. I began sending letters to them in XX/XX/XXXX and it's been 82 days to date with no resolution from either company. Again, I feel like my disputes are being ignored with them especially since XXXX was able to remove the exact same accounts from my consumer report. Based on FDCPA, 15 USC 1692e Section 807 ( 2 ) " The false representation of ( A ) the character, amount, or legal status of any debt. '' I demand that these accounts be promptly deleted cause I am prepared to file for litigation due to the continuous stress you've caused me. As a courtesy I have listed the inaccurate accounts in question below : Transunion Credit File 1. XXXX XXXX XXXX XXXX Transunion and XXXX Credit Files 2. XXXXXXXX XXXX XXXX XXXX XXXX 3. XXXX XXXXXXXX XXXX XXXX 4. US DEPT OF EDUCATION XXXX  Credit File 5. XXXX XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX Please remove these items from my credit report. They are displaying inaccurate and misleading information about me!
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (VA)

I have a Chase credit card with XXXX XXXX. It has an annual fee each year. I called at the beginning of my billing year to cancel the card ( completely close it out ) and avoid paying the yearly fee of {$60.00}. The customer service specialist said that he closed my account and credited my account for the fee and that this would be no problem. <P/>A month later I got a notice saying that not only was my account still open, but I had a late fee and interest for not paying the annual fee! I called them back to close my account and get credited back for the annual fee and the late fee that was erroneously charged, but they would n't let me. I got to a supervisor that said that there were no notes on my account that said I called to cancel, but that there was a record that I called. <P/>My account still is n't closed and they are conducting an investigation of the previous call and they wo n't refund my annual fee. They said they would call me in 7 days but I 'm not confident that they will do anything, since they could n't even close my account right the first time. <P/>As far as I know, my account is still open, too. I 'm not sure what I have to do to make this card go away.
Consumer complaint received 2021-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

XXXX, making a payment on the due date. XXXX marks your account late if payment isn't received by XXXX XXXX. This is ABSURD, unreasonable during this pandemic when making payments are tough. XXXX XXXX should be the standard cut off. This is another way for Big Business to use an unfair practice to access late fees. Now my account is late and I'm charged a late fee. Your credit is damaged with this unfair practice. Families are struggling at this time. Shame on XXXX. This company should be forced to return all late fees, this is absurd!!!!
Consumer complaint received 2017-11-10
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (KS)

I have a reverse mortgage with RMS, Reverse Mortgage Solutions, with many addresses, two of which are printed on the monthly statement ( foot of statement address : RMS, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, XXXX ). 
On the XX/XX/XXXX statement ( see attached file ) the finance charge was {$170.00} and the XX/XX/XXXX statement ( see attached file ) finance charge was XXXX, an increase of {$41.00} in interest within 10 months.
Consumer complaint received 2017-11-10
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I received a cashiers check in the amount of XXXX It came special delivery through the mail. The date on the check is XXXX XXXX. It did n't have any documents attached. I enter a lot of online sweepstakes and contests so I thought it was in connection with that. I took the cashiers check to my bank and told them I was n't sure of where it came from. However it had the correct spelling of my name and the correct address. The tellers checked out the water marks and said it looked good to them. I told them I wanted to deposit the check and told them I did n't want any of it until it cleared. It cleared the next day but I waited a week making sure the check had cleared. I was told again it had cleared so I took out the full amount. I gave some of it to a needy friend and some to my Son for clothes. Paid off some bills etc. Well a day or two passed and all of a sudden the check is not good. I have my checks direct deposited to the account. I use the money to pay the rent. The bank put me at fault taking every penny out of my account for 2 months leaving me with nothing. I feel first of all that the bank is at fault and should not be allowed to just take my money. I was told more then once and waited long enough that the error is the banks. In order for my Son and I not to become homeless I had to sell my car. I have been a wreck over this. They took everything from me. So now I 'm out my money and my car, Cashiers checks are paid for when issued. How can it be good for a week and just go bad? How am I responsible for the banks mistake? This is totally wrong in every way. Please help me on this issue. 
Thank you very much
Consumer complaint received 2022-09-08
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: Credit Karma (TN)

I'm an account holder with credit karma. I was told I had outstanding approval odds back in XXXX which is the highest that you can possibly get when given approval rating. I applied for the credit card and was denied saying I could not get it due to my credit. Next thing I know, my credit score drops! Basically I was lied to by Credit Karma and told that I was able to get a credit card without standing on and then they denied it. Apparently I'm not the only one and I just read that credit karma is going to have to pay {$3.00} million to those that they have done this to. I don't know how to get on that list but I have screenshots and my account can prove that I am one of the victims of this fraud.
Consumer complaint received 2017-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc. (NY)

On XXXX/XXXX/XXXX XXXX XXXX called from XXXX from Delta Management and attempting to collect on educational debt. She refused to remove my contact information from their calling system after I told her that she was looking for someone else with the same name and date of birth.
Consumer complaint received 2024-02-19
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX 12/09/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

In XX/XX/XXXX, I applied for a loan and I was denied because there is a repossession on my credit report I tried calling XXXX XXXX XXXX XXXX and they keep disconnecting the call when I am asking questions. I did find that the account is for a XXXX XXXX XXXX and the pay off amount is {$10000.00}. This information was supposed to be removed off of my account in " XXXX ''. This is old information that keeps reappearing on my credit report. I need the system to be updated with this information removed. I was told to send a CBR report to have information removed Sent that letter back and the information is still reporting on my credit report I have called XXXX XXXX XXXX XXXX numerous times and have received no help with this matter
Consumer complaint received 2017-12-28
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Alliance Group & Associates LLC (NJ)

yes they called me and was very disrespectful i told them i work for a XXXX XXXX and by law if i req a bill sent in the mail they should she said to me u just dont want to pay and were gon na take it form your paycheck then she hugn up .. i called back she said get off my phn i am reporting you i said do what u have to do so i called back to get name of the company and tot tell them stop harrassing me she told me i am harassing her i said i callled bc u keep calling me XXXX XXXX this was on XX/XX/XXXX they are so rude and i do mind paying my bill but i rather pay by mail something isnt right on XX/XX/XXXX she threaten to take me to court and take it out of my pay there phn # XXXX i work for XXXX refusing to send me a copy of the bill is against fdpca rule
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (WI)

Freedom Mortgage company, located in New Jersey has fraudulently enticed me to refinance through freedom mortgage, who is also my current mortgage lender - by falsifying documents, pressuring me to agree to illegal terms, and fraudulently charge illegal fees that do not apply to me. I have been in constant communication relating to the false documents and charges with freedom mortgage and their legal department- who have failed to correct it, but admit that freedom mortgage has acted incorrectly. 
Therefore, due to not being able to refinance as initially agreed, only due to the intentional delay caused by freedom and because I will not agree to false charges, I am still stuck paying PMI, Freedom mortgage holds my escrow account which also should have been refunded through the refi, and cost me so much time and effort to prove their lies and constant violation in truth and lending practices and violation of RESPA Please help take action against this lender who is well aware of their violations and makes no attempt to correct it.
Consumer complaint received 2020-10-20
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. (NJ)

XXXX is reporting I am late on a XXXX XXXX auto loan charged off account how can I be late 90 days 17 times on a charged off account? There also reporting account XXXX XXXX/XXXX XXXX XXXX that is wrong on a payment history Ive never made a payment to them this must be deleted there also reporting a XXXX XXXX XXXX account which is fraudulent I demand to see a signed contract or proof that this is my account giving them the right to report this! Also XXXX  XXXX  is showing Im late 90 days 20 times how can this be if this account is charged off? XXXX XXXX is reporting Im 90 days late 2 times how can this be if the account is charged off and the payment history is wrong Ive never made a payment on this account also XXXX XXXX is reporting Im 90 days late 4 times how can this be when the account is charged off Ive also never made a payment on this account also XXXX XXXX XXXX XXXX   is reporting Im late 90 days 6 times how can this be when the account is charged off and Ive never made a payment on this account also the address on file is wrong and no account is associated with my current address please show me Proof of documents when this was disputed under confirmation number XXXX conformation number from XX/XX/XXXX XXXX please show me documents used to verify these accounts also there are 6 fraudulent inquires on my file that must be deleted there fraudulent inquiries please show me proof I was trying to obtain credit how did you verify these inquires were mine I am going to sue if these arent deleted as I have proof you guys didnt do a proper investigation enclosed is a police Report and drivers licenses and social security card with police report