davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-04
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. (IL)

XXXX is the servicer of my loan. In 2018 starting around XXXX I started the process to change my repayment plan. Around the 60 day mark the process was still not complete, so I started calling to inquire about any repercussions since I was not making payments. I was advised to not make any payments, and to wait til they processed my repayment plan request and pay the {$5.00} that switched the plan over. I finally received the request in XXXX and paid my {$5.00} via the website which was also my last payment to this plan. Unbeknownst to me this loan was being reported late each month and eventually reported that I was 150 days late to the credit bureaus. When I found this out I called back and the rep said that a simple dispute would remove the incorrect information. I've done that multiple times and this information remains on my credit report. XXXX then asked me to fill out the credit dispute form which I did, and once again it's now almost a month later and no action has been taken. It is coming up on 3 years since XXXX dropped the ball, and now I'm having to spend hours and years correcting the mistake of XXXX. I have spoken to them over 30 times in the past 3 years and all calls were on recorded lines, all reps claim they made notes to my account as well.
Consumer complaint received 2018-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KY)

On XX/XX/2018 at around XXXX eastern us time. I made a deal with a online friend to buy some goods from him. The deal was I give him XXXX USD and he would give me a total of 27 items for a game called XXXX XXXX. After the money was sent, he blocked my profile and the console and block my profile on XXXX where the deal was initially made. I have the conversation saved still. I emailed him and asked him to return my money but he has not responded.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2020-01-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bridgecrest Acceptance Corporation (IL)

I had a loan with Bridgecrest Acceptance Corporation which I refinance in XX/XX/XXXX with XXXX XXXX XXXX XXXX. They have refused to send the Title to XXXX XXXX XXXX XXXX after the loan was paid off. 

Here 's the timeline : XX/XX/XXXX - Sent Bridgecrest a USPS Certified Letter with a XXXX XXXX XXXX Check paying off the loan. Included in the letter was the Address of XXXX XXXX 's Car Title Division WITH EXPLICIT INSTRUCTIONS ASKING THE TITLE BE SENT DIRECTLY TO THEM ... .. 
XX/XX/XXXX - per USPS my letter was delivered to Bridgecrest Acceptance Corporation .... 

XX/XX/XXXX - Was the date Bridgecrest cashed the Check from XXXX XXXX .... 

XX/XX/XXXX - Called Bridgecrest at XXXX @ XXXX - ( All Calls at Bridgecrest are recorded - they have a phone log ) I was advised they would send the title to XXXX XXXX within 3  days .... 

XX/XX/XXXX - Called XXXX XXXX XXXX to inquire if they have the Title ; They do not .... 

XX/XX/XXXX - Called Bridgecrest at XXXX @ XXXX EST ( Approx - Again their is a call log as ALL calls to Bridgecrest are recorded ). I was advised They will send the Title to XXXX XXXX and XXXX XXXX should receive it within 10 days. I asked for a reference # or the name of the CS Agent I was speaking with. I was provided niether ... .. 

Bridgecrest has not dealt fairly. They are aggressive in originating the loan and collecting the monthly payments and are negligent once the loan has been paid off. It has been OVER 3 MONTHS SINCE THIS LOAN HAS BEEN PAID OFF AND BRIDGCREST HAS REFUSED TO SEND THE TITLE TO XXXX XXXX XXXX.
Consumer complaint received 2022-10-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXXXXXX obtain a credit card from this company was paying monthly payments seeing that the increasing interest rates contacted the company request the card be unused status and that I could finish making payments representative spoke with stated interest would stop monthly payments would need to be made Timely payments were being made during the pandemic lost of wages second income monthly payments for XXXX XXXX went from {$35.00} up to almost {$300.00} a month call the company tell him I can make small payments could not afford the increase amount monthly start making automatic payments from my banking amount owed kept increasing I've never did business with Midland credit I was told by XXXX  XXXX that they sold the debt to them mid and credit then added their fees
Consumer complaint received 2018-07-30
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: Aldous & Associates, PLLC (NC)

On the XXXX of XXXX I applied and pay the app fee of {$50.00} for XXXX XXXX. On XX/XX/XXXX on the way to go view the house the property manger called me and said I couldnt look and my app been denied because of rental history. I dont know if it did that because I was late making a payment, but it's been verified by my landlord and the property company that I dont have a rental history and I've been a tenant for 11 yrs without any evictions and I have a XXXX balance. 

On XX/XX/XXXX an account with Aldous and Associate was placed on me. Its was XXXX XXXX and now called XXXX XXXX. I've had good cause and reason and tried to provided to the gym that I need to cancel my membership due to a heath issue that may cause XXXX. I tried to pay what I owe and they woudnt accept it. The company sent me to collection and when I called the supervisor to dispute the issue, the supervisor was very nasty and cursing at me stating that they going to put it on my credit even if I had documentation from the dr or not and I will be givng them their money.
Consumer complaint received 2018-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

For my XXXX  Visa card ending in XXXX, my XX/XX/2018 statement showed {$3000.00} due on XX/XX/2018. I paid exactly the full amount {$3000.00} on XX/XX/2018, a week before the deadline, and somehow incurred additional {$25.00} in interest.

Nowhere did it say that I had to pay more than {$3000.00}, either at the time of the statement or at the time of online payment. So the company basically gets to collect interest over the full month by withholding information from customers.

The attached files show the statement with XX/XX/XXXX due date and the full payment on XX/XX/XXXX
Consumer complaint received 2021-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc. (NC)

I am a person with a XXXX as defined under the Americans and Disabilities Act and the Fair Housing Act. My reasonable accommodation request is that XXXX XXXX XXXX remove a disputed and erroneous account in my name from collections that was paid in full and eliminate the balance and remove all negative credit bureau reporting.
Consumer complaint received 2021-05-08
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. (PA)

Equifax has a medical bill collection that does not belong to me. It also shares enough information about the account of that bill which is a HIPPA Violation! I want this incorrect account off my credit report. I have tried everything to prove I am a victim of Identity theft. Still to no avail no one from this company will help me. I provided all necessary documents in order to prove my case. I also have 2 fraudulent accounts from XXXX XXXX XXXX XXXX on my credit report. I want this matter resolved immediately.
Consumer complaint received 2020-07-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: STL HOLDING COMPANY, LLC (LA)

We are both XXXX and needs to file the company about the PMI. We purchased the home on XXXX XXXX XXXX in XXXX XXXX, LA. XXXX on XXXX XXXX and we closed on the home on XXXX XXXX and sold that moment. We did cancel the homeowner insurance and property tax that we got some money back from them but the PMI name is XXXX XXXX XXXX  can not get some money back since we paid the DSLS Mortgage, LLC infront with cash {$3400.00} around XX/XX/2018 to avoiding the PMI for 10 years but we only lived there for 18 months bec there were too many issues on the home. The service DSLS Mortgage s lender was convincing us to pay in front with {$3400.00} that moment and we shouldve not pay infront at the first place. They said no money back. We dont undy and one of my atternoy from the closing on my home told me to file with CFPB to see what s going on.
Consumer complaint received 2020-06-03
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)

I recently submitted an affidavit and disputes, I got a response ACCUSING me of using a credit repair company. I have NEVER used a credit repair company and I dont appreciate this accusation. I demand these fraudulent accounts be investigated and removed from my credit report. I demand a response within 10 days. I also demand these accounts be removed from my credit report in 30 days. If i dont have a response in a timely manner, I will be filing a complaint with the office of the Attorney General.
Consumer complaint received 2021-03-04
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. (LA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2022-11-19
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. (NJ)

Incorrect information is showing on this account and continues to be reported to the credit bureau. This was a joint account that was resolved and should be removed/not reported anymore. Information being reported is different for each agency which is causing inaccurate information to be shown on my file. Please remove this inaccurate information as it is fraudulently being reported to the credit reporting agencies.
Consumer complaint received 2018-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (FL)

The original account holder made no attempts to inform me of my account with them although they had my previous mailing address which I was still receiving mail at, along with a working phone number and email address for me. The following is information I verbally obtained from a RentDebt customer service associate on XXXX XX/XX/XXXX as they refuse to provide me with a hard copy or otherwise of their activity on my account. RentDebt received this account on XXXX XX/XX/XXXX with the following contact information : ( omitted ) address which I never lived at and so would not have forwarded mail from, a working phone number ( omitted ), and email address ( omitted ). After receiving this account, RentDebt made the following actions : Hard copy letter sent out XXXX XX/XX/XXXX to unknown address per RentDebt associate. Hard copy letter sent out XXXX XX/XX/XXXX to unknown address per RentDebt associate. Hard copy letter sent out XXXX XX/XX/XXXX to ( omitted address ) stating a settlement offer per RentDebt associate. Phone call on XXXX XX/XX/XXXX which I answered, informed them I had not had knowledge of this account, and paid immediately. On XXXX XX/XX/XXXX RentDebt reported XXXX balance to credit bureaus per RentDebt associate. Hard copy letter was created on XXXX XX/XX/XXXX showing a XXXX balance, but was never sent to me although they now have my updated mailing address per RentDebt associate. For the above reasons, this account should be removed from my credit reporting.
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CO)

Better Mortgage will not allow me to delete my mortgage application online and have not responded to emails. this account contains sensitive information that i would like removed and not able to be accessed if someone were to hack my account. They do provide a way to delete an application ( which doesn't work ),  but the company provides no way to delete an account.
Consumer complaint received 2018-03-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (WA)

I have had a coinbase account since XX/XX/XXXX till current. I have used their exchange XXXX  same time. On XX/XX/XXXX, I was surprised coinbase disabled my account " buy '' feature and that also meant I can NOT log in my XXXX  account. I have my funds ( Cash {$23000.00} and Coins worth {$25000.00} ) in XXXX. 

I called and emailed coinbase and XXXX 15 times so far over the past 18 days. I am only told my account is under specialist review and they are busy, the specialist will try to review your account but no time frame when it may happen. 

In my calls and emails I specifically request coinbase/XXXX  to release my funds since they have no right to freeze it and they responded with same point that the specialist will review account. 

I have used coinbase since XX/XX/XXXX and I have submitted all documents to verify my ID and income sources, including my bank and credit card information. I submitted my driver license, my USA passport and every required information coinbase requested. 

I have found many customers on social media are experiencing same issue withcoinbase, freezing accounts and no access to funds. I believe this is not a legal action for coinbase to do and they should be reviewed by state and federal authorities.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (CT)

I have informed Citi several months ago I could no longer make timely payments. Since my account has gone past due I have made countless attempts to negotiate a settlement to pay less than the full balance. I have been made aware of the tax implications and risks of this however, I can not afford to make monthly payment nor do I have the time to make ongoing phone calls. I am a XXXX XXXX XXXX and I make $ XXXX. I am seeking to settle for 50 % of what is owed within XXXX days. I have explained numerous times I can not afford monthly payments and they are not listening to me and stating " everything is system generated '' while I read online of the many other customers who have settled. The reason I became past due is because this credit card was taken out to help my family with some bills. My father the primary income earner became ill with XXXX stopped making payments. He has long term side effects causing him to be unable to work. He gave me some money to put towards this credit card and others but I can not afford to pay the balances in full. I am hoping your agency can help me get to a solution with Citi.
Consumer complaint received 2018-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (MD)

XXXX XXXX XXXX has sent several statements to XXXX  and other credit reporting agencies for a dollar amount of {$330.00}. I never received any documentation from this company and they sent derogatory information to credit agency on the following dates : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 I am being harassed by this company and my credit report is being destroyed. I have never seen an agency go after a debt like this unprofessional organization. 
Who I owe {$330.00}? 
When did they first contacted me about this debt? 
Did they ever send me documentation? No!
Consumer complaint received 2024-02-27
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. (CA)

I am writing to express my deep disappointment regarding the accuracy of my personal information in your records. As a valued customer of your organization, I expect that my information is maintained with the highest level of precision and attention to detail. It is imperative that the necessary steps are taken to promptly update your records with accurate information. Failure to do so may result in legal action, as inaccurate data can have significant consequences on both my records and credit report. I trust that you understand the importance of this matter and will take immediate action to correct the inaccurate information without any delay. 

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
Consumer complaint received 2021-06-24
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. (GA)

On XX/XX/2021 i sent a dispute letter via certified mail to Equifax with a concern of wrong information being reported on my account and to please prove to me the accuracy of this information, not only was the information inaccurate but i never gave Equifax consent to post this on my credit ... 

Code 1692g- Validation of Debts - Code 1681b- Permissible purposes of consumer reports Exhibit A.. Equifax inaccuracy report for XXXX XXXX XXXX XXXX Acct XXXX XXXX Address is wrong, Amount is wrong, Account number wrong, Exhibit B. The correct Address, The correct Amount, XXXX XXXX Account number. 
XXXX XXXX XXXX XXXX. 

I demand Equifax to remove XXXX XXXX XXXX off my credit report or face penalty by FCRA for damages and Violations..
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I wish to practice my right as a customer of Chase Bank to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with Chase Bank. 

Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation run by a sophisticated con-artist named XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent persona ( XXXX ).
Consumer complaint received 2022-05-02
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: Convergent Resources, Inc. (FL)

15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe -- These accounts are being reported on my credit report unlawfully : XXXX XXXX XXXX XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX  XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) account opened XX/XX/XXXX XXXX
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (AL)

National credit systems has repeatedly called me in attempt to collect a debt that was paid in full by my husband. I have been harassed and talked to in a disparaging manner and would like this company to stop reporting this to the bureaus as this account has been paid in full.