davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (TX)

Upon checking my credit score, I found a negative remark from a debt collection agency called AR Resources. The original creditor was listed as XXXX XXXX XXXX XXXX. I never received any bill or notification from AR Resources or XXXX XXXX XXXX, so I the negative remark on my credit report is obviously erroneous. 

I managed to contact XXXX XXXX XXXX ' billing agency, XXXX. As it turns out, XXXX used the wrong address when attempting to send me the bill. This incorrect address was passed on to AR Resources. Thus, I received no bill nor notification of any debt owed. 

XXXX admitted their fault, and requested via email that AR Resources remove any negative remarks from my credit report, as I never had the chance to pay any bill or debt. 

However, according to XXXX, AR Resources is refusing to correct my credit report until their account is settled. This is unreasonable as, again, I never received any bill because of XXXX XXXX admitted mistake. 

I have done nothing wrong, and yet my credit score is being negatively affected. I am currently applying for jobs, apartments, credit cards, new insurance, etc. So, my incorrect credit score is having real effects on my life. I don't understand why AR Resources won't correct my credit score, when the guilty party ( not me ) has admitted their fault.
Consumer complaint received 2019-05-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

XX/XX/2019 on this day I contacted RoundPoint Mortgage Services about a late payment charged to me. The late fee is {$19.00} which is charge if payment is not recieved by XX/XX/2019. I made a payment after XXXX XXXX over the phone and was told by recording it will be posted the next business date. On the next month statement I had a late fee charged to me for {$19.00} for XX/XX/2019 statement. I am being charge for being late over the phone on the XXXX which is the received by the date of the XXXX of the month which is stated on the statement, ( If payment is not received by XX/XX/2019, a late fee of {$19.00} will be charged ) this is stated on all of my mortgage statements. If RoundPoint is charging me a late fee on the XXXX it is a false statement being post on my mortgage statement. I have never been charge a late for paying on the XXXX of the month over the phone making a payment. I spoke with customer service and after debating the charge i was placed on hold while she spoke with someone about this. She did come back on the line and said that they would omit the late charge as a courtesy this time but i need to make my payment by the XXXX. However my statement says payment not received by the XXXX it is late. There is some contradiction on the statement of false misleading information and needs to be corrected.
Consumer complaint received 2021-02-10
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. (PA)

I looked over my consumer report and I've notice several fraudulent inquiries reporting on my profile The following inquiries are Fraudulent TRANSUNION : XXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX card Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX card Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX
Consumer complaint received 2016-11-01
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (IA)

I used Ebay as a selling tool to sell my used XXXX XXXX XXXX XXXX or XXXX driver headlight. The buy contacted me on several occasions and received all necessary information about the product via Ebay messages. My final message to the buyer included the part number and to ensure that the item fits his vehicle prior to buying it as i did not want any returns. I clearly stated that in the listing. Buyer proceeded and purchased the item from me 3 days later {$330.00} ). In addition to this purchase, buyer bought XXXX additional headlight ( {$30.00} ) from me that was in broken condition and was sold for parts only. Upon receiving the items, buy requested a return and stated that item does n't fit and the part # is not what he wanted. I advised that there are no returns. Buyer opened a return with Ebay and Ebay agreed with me ( seller ). The buyer however, is not realizing that he purchased both items from me and was opening the return for the {$30.00} headlight but wanted refund for the {$330.00} item. Then buyer stated that the item was damaged. I immediately contacted XXXX and filed a claim. XXXX examined the package and found that there was no damage and buyer falsely reported the claim. The buyer turned around and opened a case with Paypal which was used to pay for the product. I provided all my messages to paypal from ebay and from XXXX that the buyer was attempting to scam me and XXXX. Paypal reviewed the claim and contradicted all the evidence and allowed the return to the buyer without a valid cause. PayPal was used to transfer the money only and the initial agreement of purchase is held with Ebay. If ebay is deciding against the buyer, PayPal can not make their own decisions and contradict Ebay.
Consumer complaint received 2022-12-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$31000.00XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$31000.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (FL)

On XX/XX/XXXX I noticed a negative collection from Radius Global Solutions whom I have never heard of, never had any documentation of debt, and did not provide me letter of notification as to which I may dispute the debt within 30 days as required by law. The amount of collection is {$97.00}. This has negatively impacted my credit and my ability to make future purchases.
Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (WA)

Receiving emails from True Accord stating XXXX XXXX was the original creditor to a debt they claim I owe. When debt was overdue, XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX XXXX who currently owns this balance with True Accord handling the go after. 

Recipient on email reads as XXXX XXXX and is sent to my email acct. ( same used to set up this acct for this complaint ). 

Searched on the internet and found many complaints about True Accord including but not limited to the XXXX XXXX XXXX  Went to XXXX XXXX XXXX to file a complaint and was rate limited after trying to input the name of True Accord in their system only twice. THOUGH was able to see on the XXXX  site that True Accord has many complaints. 

Customer Complaints XXXX complaints closed in last XXXX  years XXXX complaints closed in last XXXX months Read complaints from here > XXXX XXXX XXXXXXXX Further found mention of True Accord using phishing techniques to gain contact information when searching the term " true accord debt collection scam ''. HOW they ended up with MY email for another person 's ( possible ) debt I have no idea. BUT- it's becoming more and more dangerous and sketchy to open emails or click anywhere on the net. 

Will be calling the phone number provided on the email on XXXX. And I am unsure just how to proceed further. OF COURSE I won't click on the live ( linked ) words or boxes on the email. 

Please look into True Accord- and advise if making a complaint to you has been an appropriate move to help me AND citizens in the future. 

Thank you
Consumer complaint received 2019-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I filed and was discharged on a Chapter XXXX bankruptcy case. A company who was included in the bankruptcy and was discharged continues to erroneously report the account as being open. Equifax is the only bureau it is reporting to. I have tried numerous times to file a dispute with Equifax but they make it impossible to communicate. The online " tool '' tells me to call a number and the number is impossible to get a live person. I get " confirmations '' that it has been resolved/completed, yet it still shows up on my report. At this point, I would like for it to be removed altogether.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CO)

XXXX shows XXXX XXXX XXXX XXXX as write off on my credit report and I made a agreement with the collection company to pay it off for XXXX. Both other credit agency have removed it. I have did to disputes with XXXX and gave them proof it was paid off and it still on my credit,.
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Finance of America Mortgage LLC (TX)

I bought a house and got a mortgage for {$350000.00}. The appraisal came in at {$440000.00}, so the loan is less than 80 % of the home value. The title company said the lender needs to remove the PMI, but they said they wont remove it for 10 years regardless of the appraised value. What is the rule about this?
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2019-05-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (FL)

Thiscompanyjustpoppeduponmycreditreport.TheyNEVERsentmeANYTHING.IdisputedthiswithXXXXXXXXXXXXinXX/XX/XXXXandbecausetheycouldnotprovethisdebt,theytookitoffofmycreditreportandthenSOLDittosomeoneelsewhoneversentmeanything.Now,IcheckmycreditandtheyaddedthemselvesonXX/XX/XXXXwhenIwonthedisputewithXXXXXXXXXXXXonXX/XX/XXXX.Howisthatevenlegal???
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

To whom it may concern, I am writing to have an incorrectly reported late payment removed from my credit history. The creditor, XXXX XXXX, states they have attempted to remove it and are unsure why it is still appearing on my reports. 
The following is a summary of events for the account in question : XX/XX/XXXX : 39 month lease signed XX/XX/XXXX XX/XX/XXXX : Payments made on time using autopay XX/XX/XXXX : Called XXXX XXXX and explained I purchased a new truck and would like to pay off and turn in the lease early, they walked me through it online, the remaining payments to the end of the 39 month lease were paid in full and the truck was turned in to the local XXXX dealer, XXXX XXXX. 
XXXX XX/XX/XXXX : I received a credit alert stating my score had dropped. Upon investigation it was the XXXX lease stating I was over 30 days late. I could not call because they were closed on weekends. 
XXXX XX/XX/XXXX : I called XXXX XXXX and they stated I had never turned in my truck, therefore I was still being charged. I explained the truck was turned in last XXXX, they requested that XXXX XXXX, the dealership, send them proof of the turn-in. XXXX XXXX faxed copies of the turn-in to XXXX XXXX the same day. I called XXXX XXXX back and they stated the documents were received and that they would request a correction to my credit history to the reporting bureaus but that it may take a few weeks to correct. 
Early XX/XX/XXXX : Credit reports still show a late payment on my credit history. I called XXXX XXXX back and they stated they would again request a correction to my credit history. 
XXXX XX/XX/XXXX : Credit reports still show late payment on my credit history. I again called XXXX XXXX. The representative stated she would send me a letter showing my account was closed in good standing and with a perfect payment history that I could send to the credit reporting bureaus to have my credit history restored. 
Supporting documentation from XXXX XXXX is attached where they state my account had zero late payments. Additional documentation is also attached from XXXX XXXX, the XXXX dealer I turned my truck into showing I turned it in in XX/XX/XXXX. 

Thank you for the help,
Consumer complaint received 2019-05-13
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 (NY)

On XX/XX/2019.A Capitol One account was open in my name.In the month of XX/XX/XXXX I notice that Capitol One was not reporting payments made, credit usage and credit information to the three credit bureaus. 
I contacted Capitol One requesting them two weeks ago to please update my payments and credit usuages on Time to the three bureaus.I even sent out a certified mail towards Capitol One P.O. Box disputing department center as requested by agent.Havent seen nothing change.I call capitol one keep saying its reporting to all three credit bureaus, when I call all three credit bureaus.The credit agencies saying they see no file or credit date open. 
Now today XX/XX/2019 my XXXX score of XXXX went down to XXXX.Becuase Capitol reported inccorrect information to XXXX.
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I had an Allegiant credit card through Bank of America for a couple of years that required an annual fee. On XX/XX/19 they closed my current account that had no balance that I recently had paid the entire balance. They had charged me this year 's annual fee ; so I asked for a return of the annual fee. They never responded.
Consumer complaint received 2019-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NH)

IrecentlyreceivedcommunicationfromCFPBindicatingmycomplaintaboutFedLoanServicingwasresolved.However,CFPB'sreplydoesnotaddressrecently-identifiedissuesthatmyon-timepaymentsmadetoXXXXXXXXXXXXXXXXwerenotcountedtowardmytotalforPSLFduetobillingmistakesmadeonXXXXXXXX'part.ItalsodoesnotaddresshowFedLoanServicingwillcorrectproblemswithintheircall-insystemthatIhaverepeatedlyexpressedconcernoverandthatpersistwithinthatcompany.

InmyreplyIindicatedIwantedtoknowhowmanypaymentsarenotbeingcountedtowardmytotalforPSLF,howthosewillultimatelybeappliedtothetotal,andalsohowtheproblemsthatexistwithinFedLoanServicing'scustomerservicecall-insystemwillbefixed.Frommyperspectivethisbusinessisavoidingtheissue.

IfIneedtobeginaformalcomplaintwithXXXXXXXXXXXXXXXXoranotherbusinessentityIwouldappreciatereceivingexplicitguidance.
Consumer complaint received 2021-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (PA)

I theTHE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER have recently obtained and reviewed my credit file and notied an inaccurate and unverfied account being placed on my account negaively and reporting to the three credit bureaus.

This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent.

These entities are a third-party debt collector and have no right to my Consumer Information ...

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

Therefore these alleged accounts which have been recently deleted not be resold and not attempted to be added to my credit profile in the future or be in further violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$2100.00}. Docket # XXXX Another judgment was filed against us on XX/XX/XXXX with the XXXX XXXX Circuit court for {$17000.00}. Docket # XXXX Bankruptcy was filed on XX/XX/XXXX and was discharged in XX/XX/XXXX. Docket # XXXX Both of these judgments are still showing up on our credit report as open/filed and need to be removed or closed.
Consumer complaint received 2020-06-25
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. (FL)

XX/XX/XXXX the two credit cards used on line for deliveries ( I am XXXX XXXX needing supplies for survival ) XXXX  & XXXX both had UNAUTHORIZED TRANSACTIONS of {$8000.00} Not ordered from my phone IP Address & OR Items charged Not Delivered. Equifax XXXX Data Breach Confirmed my data was exposed. Mail fraud occurred see attatched CRIMINAL INVESTIGATION UNITED STATES POSTAL INSPECTION LETTER dated XX/XX/XXXX USPS ( DELIVERIES NOT MADE. ) See attatched FTC ID Theft case XXXX. * ( BANKS ARE NOT WCAG ADA  2.1 COMPLIANT PER FERERAL LAW* ) See Police Report. See Equifax Confirmation XXXX Reported Disputed NOT FIXED. XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX & XXXX ACCOUNT XXXX ( Despite written requests, the unverified original signatures for deliveries made into my hands & signatures of contract application still remain on my credit report in violation of Federal Law. Federal FCRA Law requires a copy to be held on file. Equifax is required by law to VERIFY that this information is mine and correct having recieved items charged. In results of investigation you stated these items " VERIFIED '' being " REPORTED CORRECTLY "? ) Who verified these accounts? Equifax has Not provided me a copy of any original signatures deliveries made into my hands or contracts of application as required under SECTION 609 a1A & SECTION 611 a1A.  Furthermore equifax has ( failed to provide method of verification as required under section 611 a 7 ).  Equifax please be advised under SECTION 611 5 A of FCRA - you are required to .... " promply DELETE all information which can not be verified '' The law is very clear as to civil liability and remedy available to me ( SECTION 616 & 617 ) if you fail to comply. I DEMAND THESE ACCOUNTS BE VERIFIED WITH ORIGINAL DOCUMENTATION of delivery made into my hands and all application contract signatures. XXXX EQUIFAX DATA BREACH OF XXXX NOT EXPOSED UNTIL XXXX PROBABLY CAUSED THESE BANK FRAUDS. PER EQIFAX BREACH SITE MY DATA IS ON DARK WEB FOR FUTURE FRAUD ALSO & EQUIFAX HAS NOT PROVIDED ANY RELIEF OR RESTITUTION. MILLIONS AMERICANS WERE EXPOSED. WHY IS EQUIFAX ALLOWED TO HARM SO MANY WITHOUT ANY REPERCUSSION OR RESOLVE? American CONSUMERS & BANKS LOSS BY EQUIFAX IS NOT RESOLVED ( 3 ) THREE YEARS LATER. WHY ARE THEY ABOVE THE LAW? I AM XXXX ON XXXX XXXX AT HOME AMERICAN TAXPAYING CITIZEN OF XXXX YRS LOSS OVER {$8000.00} TARGETED BY PROFILE NO PROTECTION. & NOW VIRUS??
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (SC)

Report Id number Credit Reporting agency ; XXXX Called in On the following date- Monday XX/XX/2019. Spoke to an Credit dispute department at chase per phone call, the agent did agree, the Banking details where place incorrectly / there was a call of correction that were made Prior call give indication payment was process as a ( Payment missing digit ) was told by chase agent that late fees where removed/ and was told it wouldn't update or report. to Credit Reporting agency and awardances of XXXX airways points would be added to my account as well. As it show there are no late fees are payment reversal fees they have been Corrected and Credit. The reason for my contact by internal Message is to reqest the removal of these late payments on the Credit Report. As you may review the account all payments are up to date. everything has been Correct the most important Correction would be to the Credit Reporting agency. As it shows perdate of XX/XX/2019 potentially damaging update this card has provided me an Great travel experiences. and with my great payment history for the past 10 years of Credit history, I would like to continue the usage thank you