davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

paypal keeps giving the run arounds on something Order # XXXX Cancelout around XX/XX/2019 with XXXX XXXX for website Guarantee 10 people sign-ups.Instead he sent me boogus traffic of XXXX hits and no sign-ups on opt link.so i told paypal to cancel and XXXXBut Paypal close my dispute refuse to get my money because i didnot open or say excalate, but i did paypal refuse my claim.Plus payal and allow this company and capitalone debit my account $ XXXX.WebCraftde and there email : XXXX XXXX is XXXX my Mastercard last 4digits # XXXX .So far i been charge $ XXXX.and paypal did transaction REFUSED me for Refund.The name shows up on paypal is Whamsoft paypal gave me Refund of $ XXXX.on XX/XX/2019 But paypal charge me for samething XX/XX/2019 saying automatic payment..Why is it paypal, XXXX, all refuse to give refunds but the Victims all got to spend so much time an we dont get anymore money back.I think for this issue against paypal i should get $ XXXXRefunded backfor bull XXXX and my next complaint be on anouther item paypal Refuse to to give refund got charge twice.
Consumer complaint received 2019-11-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

complete payment recovery services, inc IS ATTEMPTING TO COLLECT ON A DEBIT THAT IS NOT MINE/INACCURATE. 

DELETE, REMOVE AND DO NOT REPORT, RE-POST OR SELL. SEND PROOF OF CONTRACT BETWEEN ME AND COLLECTION COMPANY
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (IL)

The company checkr is reporting a eviction judgement on their consumer report under my name after i checked and had the records pulled there is a judgement for the name XXXX XXXX my name is XXXX XXXX XXXX, also the paper work does not have my social security number on any of it or my date of birth i have disputed this several times with checkr and keep getting a reply information is accurate and correct and comes directly from court records, which i don't understand how it's accurate with no social security number or anything else to verify it's mine, after several attempts to resovle tis with checkr have failed now i'm submitting the complaint to CFPB to help get this resolved.
Consumer complaint received 2023-01-11
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (IL)

I filed a chapter XXXX bankruptcy and my auto loan was included in the bankruptcy my Bankruptcy discharged and I was never notified from GM what needed to be done and they repossessed my vehicle without calling or sending me any correspondence I reached out to them and the rep stated by bankruptcy discharge was denied and that is not accurate.
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

XXXX I Spoke with XXXX XXXX XXXX representative in reference to my account XXXX and the account balance has been resolved to a XXXX balance. 
XXXX I reached out to Amsher Collection Services , Inc. in regards to their attempt to collect on the same debt with their account # XXXX spoke with a representative and advised him that he debt has been resolved with the original creditor, provided the name of the XXXX representative I spoke with and tried to provide contact information for them to confirm the resolution of the debt, he refused and said that he will wait for XXXX to reach out them. 
I ask them to stop sending communication attempting to collect on a debt I did not owe. It is not right for a collection company not to accept proof of debt resolution from the original creditor from the debtor the are attempting to collect the debt from. It should not be a one way street.
Consumer complaint received 2023-01-18
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. (AZ)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 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 2021-08-16
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)

I am a victim of identity theft, I filed my police report and have contacted the creditors and credit reporting agencies of the fraudulent accounts due to identity theft. I wish to have these accounts immediately removed
Consumer complaint received 2021-09-13
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: Verisk Analytics Inc (MI)

I sent a letter requesting verification of my bankruptcy. Which I didn't get, I requesting that the bankruptcy should be removed. I also sent a copy of a letter from U.S. Bankruptcy Court that they don't report to any credit bureaus.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NJ)

I have contacted the company several times as well as the three major credit bureaus because the account was opened fraudulently, either by relative or stranger. I understand that my social security number and address was used to open the account. However, I've never signed any agreements with this company in order to open a credit card account. This was done so without my permission. I am a victim of identity theft and it has been a very long and depressing process trying to have fraudulent accounts removed. I have taken action by filing a police report with my local police department and having it sent to the credit bureaus. Additionally, I have locked and added fraud alerts to my credit files.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (FL)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX OF XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX : {$55000.00}.
Consumer complaint received 2021-04-03
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. (NY)

hi, i have contacted XXXX  numerous times since there are several inquiries on my credit report that i did not authorize and they refuse to investigate and remove unauthorized inquiries on my credit report, they keep insisting that these inquiries are staying on my report for 2 years. 
These are the following inquiries that i do not recognize and did not authorize. 
XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX Card, XXXX  Card, XXXX  Card, XXXX  of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  Card, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Card, XXXX, XXXX Dept of Justice, XXXX XXXX XXXX Thank you for your help
Consumer complaint received 2019-11-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

On XX/XX/2019, we submitted an application for loan modification in anticipation that we would soon be struggling to pay the mortgage. As of this date, XX/XX/2019, the application is still being processed due to ongoing delays by the mortgage company PHH including claims of not having received proper documentation then retractions of those same claims. In addition, on XX/XX/2019 we were served with a complaint made in civil court by PHH 's attorneys seeking foreclosure of our property. The most recent correspondence received from PHH was dated XX/XX/2019 confirming, once again, that the modification package is being reviewed. We feel we have become victims of dualtracking.
Consumer complaint received 2021-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (OK)

This company has sent collection notices, called and harassed me this past Wednesday ( the same day we were BURYING my grandmother who just died the previous XXXX ). They are falsely trying to collect on a debt not even 'owed ' at all to the XXXX XXXX service ( whom will not even schedule a package pick-up at all, until the postage/handling fees are already paid to them online ( prepaid ) first ; In excess of over {$250.00}. This company needs reported for their activities and extortion attempts. I only pay the ORIGINAL creditor ( s ) and I pay them 'directly '. It will NOT reflect on your credit positively, otherwise.
Consumer complaint received 2021-08-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received an email from Bank of America on XX/XX/21 requesting that I call them to discuss and finalize an auto loan counter offer. However, after calling the phone number provided I waited on hold for more than 1.5 hours and was unable to talk to a loan officer to agree to the new loan terms. 

I feel like I was misled and deceived with the loan terms because Bank of America is not making anyone available to discuss the original auto loan terms I applied for and the change in terms they are proposing.
Consumer complaint received 2023-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

According to AmeriHome Mortgage, an escrow payment was made to XXXX  XXXX XXXX XXXX ( XXXX ) in XX/XX/. In XX/XX/, I received a letter from XXXX that payment had not been made. I contacted the mortgage company, thay claimed payment had been made, to wait another week. Again, in early XXXX I received another letter from XXXX, this time stating that my insurance would be cancelled if payment was not received by XX/XX/. Again, I contacted AmeriHome. Same statement, to wait. I contacted both XXXX and AmeriHome, checking on status of the payment. XX/XX/XXXX  I received notification, that payment had been made. 
However, when I received my XXXX in XXXX, I noticed that AmeriHome had made two ( 2 ) insurance payments, thus, resulting in a negative escrow balance. I have tried to get this resolved, to no avail. They won't admit they made 2 payments and now they are going to raise my mortgage payment to cover the escrow shortfall. There sould n't be a shortfall, since they made 2 payments, and I ver authorized the second payment.
Consumer complaint received 2021-09-13
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: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

On XX/XX/2021, I attempted to dispute a derogatory mark on my credit report for FAIR COLLECTIONS & OUTSOURCING through the XXXX website and was unsuccessful in submitting my dispute. There was a message stating that my 'dispute submission failed '' due to the fact that I have already filed a dispute for this item. I called exprian to requested proof that this debt is valid and they instructed me to contact the creditor, which I have been unsuccessful in getting debt validation from them as well. Upon, further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, FAIR COLLECTIONS & OUTSOURCING has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2021-08-16
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. (NV)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-08-12
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

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
Consumer complaint received 2019-06-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (KY)

The attached letter above you were originally copied on was in XXXX with an apology and settlement of {$12000.00} dollars In reference to the complaint I filed with your agency in XXXX was never honored by XXXXXXXX XXXX XXXX XXXX. 
In XXXX, I agreed and accepted this offer by signing all forms requested and a check was never sent. 
In XXXX, on two occasions the same forms were signed twice and XXXX XXXX XXXX XXXX said they needed to do research and still no settlement check was sent In XXXX, I contacted said Mortgage Company again and was told to sign all forms which included same as the previous years a XXXX, and release form and this time I went to my bank, had them read my personal letter as a witness and let them watch me sign all forms again and attached a personal letter and had it notarized and attached it with the forms and still no settlement check sent. 
Early XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX along with a witness and was told to resend same paperwork along with the original letter of settlement sent in XXXX and to email it to XXXX attention XXXX XXXX and was told the issue would be resolved quickly because of how long it has taken, and I would have an answer by XX/XX/XXXX and again no settlement check was sent. 
On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX XXXX to follow up and again this time I was told they needed to research this matter and to resend same items again which I refused and requested that someone in charge to give me a call back that has the authority to resolve this almost 3 year issue that has been ongoing. The representative, agreed with the lingering and agreed to have the person in charge who can resolve this issue to call me on XX/XX/XXXX at their time XXXX which is my time XXXX On XX/XX/XXXX an hour late I was contacted at XXXX by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX deliberately refused to resolve this matter immediately by submitting the settlement check of {$12000.00} dollars. 
XXXX XXXX totally disrespected me by continuing to lie and falsely accuse me of never responding to the offer and made a false statement that XXXX is the first time I ever accepted and agreed to this offer. He once again, said they needed to research this matter. This is a continuous attempt to deliberately continue to defraud me and continue illegal Business Practices This could have been avoided altogether if my possessions worth more than {$100000.00} was returned to me when XXXX XXXX ( contracted by XXXX XXXX XXXX XXXX ) confirmed they had my possessions in their storage when I was available to pick them up but they said they would not release my possessions without XXXX XXXX XXXX XXXX XXXXXXXX 's permission. 
I have suffered severe emotional Distress and pain Note : a XXXX I did no attach it due to personal information contained on the document
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 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 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This is a complaint against timeshare XXXX XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.
Consumer complaint received 2021-04-03
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. (NY)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously