davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (AZ)

On XX/XX/XXXX I was contacted by a credit agency stated that I had owed an account by XXXX  and it was proceeding to a court date as I will be sued for non payment. I paid the full amount of {$1400.00} to the by my credit court thinking that I was in trouble with court obligations. I received all documents of the payment and statement provided by them but what I found odd was that my signature was not proper on the line. I then reported the possible scam to my credit card company but they didnt refund the amount. I received a letter on XX/XX/XXXX by another creditor called convergent saying I owed {$240.00}. I called them to let them know I already paid way over the amount due but they stated that they never received payment and that the company I paid wasnt their company. My bank refuses to refund the payment so iam filing a possible scam as pictures can be provided.
Consumer complaint received 2021-12-07
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. (NY)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXX  XX/XX/2021
Consumer complaint received 2018-07-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Some body run my credit with out my knowledge here is the date and company XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX 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  I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (CO)

I have contacted Equifax in writing on XX/XX/21 and XX/XX/21 to remove an unverifiable account that is currently being reported as a derogatory collection account in the amount of {$360.00}. Comments show Medical/Subject not satisfied. Name of creditor is listed as ( Original Creditor ) with account number showing as XXXX. As of today I still have not had any type of response from Equifax. I have copies of the letters sent along with the certified mail receipts from both letters. I want this account removed off of my credit.
Consumer complaint received 2021-07-06
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. (NC)

my information was stolen during a data breach and used to open fraudulent accounts and gain medical services in the amounts of XXXX that are causing me to be harassed by collections company 's and is effecting my credit. i have attached a copy of my id and bill to show i am who i am
Consumer complaint received 2018-10-02
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: ID Analytics, Inc. (MO)

Applied for an XXXX XXXX XXXX through XXXX Bank and received the credit card. Then received a letter with XXXX Bank letterhead stating that my credit application was being denied for reasons that are not true, and that the credit reporting agency is XXXX XXXX. XXXX reported my credit score as XXXX, when it is consistently above 800. I called the number on the back of my credit card, and they said the letter had not originated with their company and this was probably a scam. Also, the address they sent the letter to is not my address, but the post office delivered it to the correct address.
Consumer complaint received 2020-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (LA)

I paid a debt with Paramount Recovery for {$650.00} for my account to be deleted but its not on my credit and every time I called they say its been reported but the credit bureaus say they havent reported it since XXXX and its holding me up from buying my home..
Consumer complaint received 2022-04-07
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: CITIBANK, N.A. (FL)

Hello, I have sent my tender of payment in amount of ( {$3300.00} ) to the MY BESTBUY CREDITCARD address listed : BESTBUY XXXX XXXX XXXX, XXXX, Arizona XXXX with certified mail tracking XXXX XXXX XXXX XXXX sent on XXXX of XXXX.The postal service has confirmed that it was delivered and as well my records confirm that, the company is alleging that they /not found/lost the payment and is shifting the liability on me the consumer, by Uniform Comercial Code 3-309 its clear that they are trying to evade responsibility in regards of its own emploees that lost my paymet, Their Investigation has not concluded anything ( the investigation ID XXXX )
Consumer complaint received 2022-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX and XXXX of 2022 an unknown individual or individuals hacked my PayPal account and sent XXXX obviously fake people money totaling {$5200.00}. The money was withdrawn from my XXXX checking account, and my XXXX XXXX XXXX account. All of these transactions were in CAD and were for either {$100.00} CAD ( {$83.00} USD ) or {$100.00} CAD ( {$86.00} USD ). In addition, all had a note attached that said " Good Morning ''. The email address and names are patently fake and have no correlation to one another. I filed a police report. Both XXXX and XXXX XXXX reversed the transactions. 

PayPal reversed most transactions, except for {$1000.00} which they denied claiming the fit my prior transactions which is absurd as all the transactions were the same. In addition, I do not send private individuals money using PayPal. I use PayPal to purchase car parts for my business and personal car collection. PayPal has locked my account and continued to attempt to withdraw funds until I put a stop payment on them. Now PayPal is sending me collection notices for the {$1000.00}. In addition, I can not use my PayPal credit account.

I sent emails to several of PayPal 's executives with no response and also mailed a demand letter. I have appealed their " de
cision '' with no success.

PayPal has a long history of this behavior and of scamming thousands of consumers out of tens of thousands if not millions of dollars. In addition, their Terms of Use limits class action suits and forces consumers into arbitration. I demand that the Consumer Financial Protection Bureau put a stop to this predatory, unethical company as this has gone on long enough.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (DC)

I refinanced my mortgage in XX/XX/XXXX. A new lendee, Mr. Cooper purchased my loan almost immediately. I provided all information requested by Mr. Cooper, including a copy of my condo homeowners policy. Mr. Cooper notified me that my insurance policy was inadequate because it did not have hazard insurance. My insurance policy has always had hazard insurance, so I provided additional documentation. For the next five months, I would receive weekly letters saying that I needed to provide documentation that I had already provided. I continued to provide copies of the policy as requested. Mr. Cooper notified me that they would withdraw up to {$850.00} to ensure that hazard insurance was purchased. I objected to any withdrawal because the documentation clearly stated that hazard insurance was part of my policy. Mr. Cooper withdrew the funds from my escrow account anyway. Finally, I was able to get a three-way call with a Mr. Cooper representative and my insurer and we discovered that the reason Mr. Cooper wasn't able to see that hazard insurance was part of my policy was that they expected to see it on page 1, but it was on the first line of page 2, which they had never turned the page to see. Since XXXX of XXXX, Mr. Cooper has acknowledged their error, but has not refunded the full amount withdrawn from my escrow account. They have replaced {$400.00} dollars, but can not explain why the remainder has not been refunded. I contacted my insurer and their records show the check for {$620.00} was cashed in XX/XX/XXXX. Because the funding was withdrawn from my escrow over my objections, my escrow account now is short ~ {$400.00}. Mr Cooper has now raised my mortgage rate to pay for the delta that they caused by the improper withdrawal of funds. They are refusing to refund the remainder of the funding. They say they will not do so until the total amount of the insurance payment is refunded to them. This makes no sense as they have already refunded {$400.00}. This issue has now been ongoing for a year and despite regular calls to Mr. Cooper customer service and escrow departments, is not resolved.
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (NY)

I sent a letter of violation on XX/XX/2021. It has been more than 30 days. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. 

Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b
Consumer complaint received 2021-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (TN)

I was contacted from XXXX, UT XXXX from a law office attempting to collect a debt. I was first inform it was on my son, then after I told them he was a minor it became my debt. It was from XXXX XXXX in XXXX, TN. I was irate because I know that I canceled this account and did not owe any funds. I went to XXXX XXXX and had them review my account and it was confirmed that my account 's last payment was on XXXX of XXXX and the account was properly closed on XXXX of XXXX. No money owed and accounts are closed. They informed me it could be a scam. I did make a return call to the number to inform him of the account numbers the last payment date, and the closed account date. I also told him no money was owed on either account. His only response was to inquire if i was going to pay him or not. This is an abuse of power and predatory attempts to collect a debt that is not owed.
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report with Transunion is horribly inaccurate, is was fine for years then at the beginning of XX/XX/2020, my own information got combined with another person with a similar name since then I have lost out on a loan because of it. I have called, cried, begged, everything for them to fix it and they said they 'do not make mistakes ' and my credit report is correct. I do not have a mortgage, yet it says I do, I own my home, I have 4 cc and this other person has over 30.
Consumer complaint received 2021-03-28
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. (MD)

I have not authorized any company to pull my credit. I believe Im a victim of identity theft, Im investing all my privacy violations these inquiries negatively affecting my rights of privacy. Nor does this affect my past pattern of behavior according to 15 USC 1681 c-2 these accounts must be removed in 4 days.
Consumer complaint received 2020-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

FIRST FED CREDIT CONTROL, XXXX XXXX XXXX XXXX  this company has reported me as bad debt to the credit bureau with out my knowledge I tried to called them so many times still not remove them.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want XXXX is violating the law because the XXXX account # XXXX open dated XX/XX/XXXX is inaccurate, TransUnion open dated on this same account is XX/XX/XXXX. I been disputing this account for inaccurate and it keeps coming back verified for months on XX/XX/XXXX, XXXX & XX/XX/XXXX
Consumer complaint received 2021-05-26
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. (AZ)

This is XXXX XXXX XXXX I have tried this before and you sent me mail saying this isn't me but i guess i will try again. I have been trying to get these false information off of my credit report since XXXX. They are still reporting this stuff and severely hurting my credit. I have reached out to everyone i can possibly contact from the debt collectors to the credit agencies and nobody has been able to validate the debts or even update me on whats going on. I am so stressed out everyday checking to see if they email me or remove anything from my report but it has been a nightmare every since i saw this stuff. The debts are not mine. I have the same name as a family member and my information was compromised in the XXXX and XXXX data breach so i don't know what is really going on. The yare violating the fair credit reporting act it has been over 65 days and i'm still suffering this nightmare. Please get them to react to my disputes.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (CA)

On XX/XX/21 I Submitted a direct debit transfer from my prepaid CARD.COM card.When logging into my newly opened XXXX XXXX Account I found that it I couldnt access it so I immediately called and found out my account was in Closing because of the Large amount of direct debits well I awaited two weeks only to receive a {$500.00} check from XXXX XXXX this was my opening deposit and as for the second transaction for {$1000.00} I was very upset to hear that XXXX XXXX couldn't locate my money I had to file a dispute it actually took 2 weeks for them to locate my money and inform me about the investigation they informed me in writing that they did locate the debit transaction and in writing they informed me it was sent the day it was received back to card.com now since then I have submitted 2disputes with card.com and just two days ago was informed by a representative the closed my dispute.Well I told him that I have new evidence to submit the letters from XXXX XXXX closing my dispute and informing me it was sent back to card com I have not received nothing by mail I have updated my number and card.com has not attempted to reach out to me and my {$1000.00} translation has not been deposited back to my card.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Coinbase, Inc. (FL)

I have been trying to verify my identity on Coinbase in order to sell some of my cryptocurrency. Multiple times I have tried to sell my Ethereum and have not been able to sell as much as I wanted to because Coinbase wants me to further verify my identity. I have provided government issued ID, my name, address, etc already. Where the problem lies is that Coinbase wants me to provide and verify my social security number. Despite trying several variants of my address and name I have never been able to accomplish this! After a few tries I am asked to wait 24 more hours. I have a middle name and I am the third, so perhaps that is where some of the ambiguity comes in, but despite trying several address and name variations nothing ever works. This is particularly distressing because I would like to move my Ethereum holdings into a more safe asset ( dollars ) and watched myself lose significant amounts of money because I was unable to do this. I understand rigorous KYC and AML is necessary but your verification services are non-functional beyond reason.
Consumer complaint received 2018-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MA)

XXXX XXXX XXXX XXXX bought my mortgage loan effective XX/XX/XXXX and sold it effective effective XX/XX/XXXX to XXXX XXXX  XXXX. 

I sent a RESPA QWR to Bayview requesting the production of documents surrounding the change of creditor/ownership and mortgage servicing transfer, on XX/XX/XXXX and again on XX/XX/XXXX. 

Bayview/XXXX XXXX response was basically they didn't have to answer because XXXX XXXX no longer owns the loan. 

While the mortgage servicing was somehow cancelled after effective date the loan was with XXXX XXXX XXXX for several days thus I believe XXXX XXXX must answer my outstanding RESPA requests.
Consumer complaint received 2021-12-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc. (UT)

I was presented with a bill for an unidentified creditor. The Creditor information provided is simply XXXX XXXX XXXX XXXX XXXX XXXX along with 2 truncated original account numbers. The actual utility is not identified, and the truncated account numbers match no accounts I have ever held. Presumably if I contact one of their agents, I will be provided with a creditor name but what is puzzling is that this company is using a phone number which is not associated with my address in XXXX XXXX, CA. To be certain that the accounts are not legitimate, I confirmed with each utility that I had accounts for in XXXX XXXX have final billing settled and accounts are all closed.

When I conducted a search on this collection company, others were warning that the company was actively scamming and extorting people with false bills, so I have not contacted them as I do not wish for them collect more information for their fraud.