davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-25
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Real Time Group, Inc. (CA)

In XXXX I took out a 2nd mortgage, XXXX XXXX XXXX, for {$71000.00}. 
In XXXX They sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX sold and closed XXXX. 
In XXXX of XXXX I became delinquent, due to loosing my job. 
In XXXX of XXXX XXXX  charged off the loan, after telling me they were going to foreclose. 
They could not foreclose, because XXXX didn't assign the deed of trust to them. 
They turned the debt over the their collections dept, XXXX XXXX XXXX 
In XXXX XXXX XXXX XXXX sold the debt to Real Time Resolution. 
In XXXX of XXXX XXXX assigned the deed of trust to Real Time Resolutions, even though they did not own the loan, because they sold it. 
In XXXX of XXXX RTR substituted trustee to a law firm, who filed a note of default. 
They placed my home on a foreclosure websight for {$71000.00}, and for a fee they can get my address and drive by. 
I think it's illegal for the original loan agency to sell the assignment of deed of trust, 12 years after they have sold the loan. 
I admit I owe the money, but they don't have the right to my home of 30 years, since they obtained the deed of trust from someone who had already sold the loan. 
Legally they have a right to attempt to collect a debt NOT secured by my home. 
I want to keep my home.
Consumer complaint received 2023-01-28
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. (FL)

THIS ACCOUNT WAS REINSTATED WITH XXXX IN XX/XX/XXXX ( SEE EXHIBIT " A ) THIS AMOUNT OF {$39000.00} INCLUDED ALL AREARS, COSTS & FEES IN THE UNIVERSE ) AND XXXX PAYMENT. SINCE THEN, I HAVE MADE TEN 10 ) PAYMENTS REFLECTING XXXX, XXXX - XX/XX/XXXX ( SEE ATTACHED ITEMS 1-10 ). ACCORDINGLY, I AM NOT REPEAT NOT BEHING IN ANY PAYMENTS. 
I BELIEVE XXXX IS CHARGGING ME FOR FEES THAT FROM THE PRE FORECLOUSURE THAT WERE ALREADY INCLUDED IN THE REINSTSTEMENT AMOUNT LISTED AT ( EX. ( " A '' ). HOWEVER, THESE FFES ARE NOT MORTGAGE PAYMENTS AND CAN NOT BE REPORTED AS PAST DUE.

FINALLY, THIS INCORRECT REPORT IS CAUSING ME LACK OF ACCESS TO CREDIT, CAUSING DUE HARM, MISSING FINANCIAL OPPORTUNITIES, EMOTIONAL DISTRESS.BE PUT ON NOTICE ACCORDINGLY.
Consumer complaint received 2021-08-10
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. (TX)

I have sent countless letters to Experian and XXXX about deleting two accounts from my Consumer report. I served both XXXXXXXX XXXX and XXXX XXXX a Cease and Desist Notices asking the companies to stop furnishing my information to the Consumer Reporting Agencies. I need each account DELETED from my Consumer report ASAP.
Consumer complaint received 2018-07-13
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 was a victim of ID theft and submitted a police report, FTC affidavit and ID theft complaint and other documentation to prove that the information being reported on my report was false and due to someone using my identity but they refused to remove it.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

I paid off the loan -- in full -- on XX/XX/XXXX ; that's the day XXXX delivered the check. XXXX XXXX XXXX claims they didn't credit the account until XX/XX/XXXX. 

XXXX XXXX XXXX told me it takes them 30 - 45 days to update their system ( which is outrageous because they IMMEDIATELY report if I miss a payment ). 30 days from receipt of the payoff check would be XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX was still reporting the loan open and now 90 days late. On XX/XX/XXXX ( after 45 ) the account was still listed as open and 90 days late on my XXXX  report. 

As of XX/XX/XXXX, XXXX XXXX XXXX still reporting the account as open and late to XXXX  and XXXX ; thus harming my FICO score and my individual credit rating at XXXX  and XXXX  at 60 days since I paid off the balance.
Consumer complaint received 2023-03-09
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. (TX)

XXXX XXXX is reporting an inaccurate account with late payments on my credit reports. 

I have been disputing this account for a while but have not been able to gain no resolution into this matter. 

As you can see in the attachment below, each late payment reporting is inconsistently reporting. How is it that this account is reporting on time payment with one bureau and 120 days late with the other? Or 120 days late with one bureau and 180 days late with the other? If all bureaus get their information from the exact same place, how can this reporting be all over the place? I was never late on this account. 

The consumer reporting agencies are responsible for reporting 100 % accurate account information and payment history on a consumers reports. This inaccurate reporting has caused me a lot of emotional and financial stress and I am aware that I can be compensated monetary due to the credit bureaus negligence and continuous reporting of inaccurate information. I am demanding that this account is accurately updated on my credit reports and all inaccurate late payments are repaired and deleted!
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

I have a late payment showing on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My card was closed due to inactivity ; however, I use this card as an emergency backup in case I need it for dire emergencies. I called Capital One and I was told that there is nothing that can be done to reopen this card. This specific card is also my card with the longest open credit history and my credit has taken a hit due to this card being closed.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP (TN)

My payment was reported to the 3 credit Bureaus XXXX, XXXX, XXXX as past due XX/XX/2021. There has not been a 30 day late on this account. 
Payment was remitted to Republic by debit card though their ( XXXX ) XXXX XX/XX/2021.
Consumer complaint received 2021-08-10
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. (FL)

I just check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX XXXX and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my credit report.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've requested from the credit reporting agencies the removal of a public record being reported on my credit reports, they have come back as verified by the furnisher who they list as the US Bankruptcy Court XXXX Texas. I received a letter from the United States Bankruptcy Court XXXX XXXX of Texas that states that they are the furnisher of the information and that they don't report information to or remove information from credit bureaus. So after talking on the phone with XXXX and requesting in writing the process of the investigation and how they obtained and verified the information from the United States Bankruptcy Court XXXX XXXX of Texas, I was told that XXXX XXXX a third party company was the furnisher which is in violation of the FDCRA which states only the furnisher of and account or information can report/furnish information in credit files. So since I never had any accounts with XXXX they are in violation of Federal Law and United States Bankruptcy Court  XXXX XXXX of Texas states they didn't provide nor report this information to XXXX.
Consumer complaint received 2018-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, Bank of America closed my credit card account. I tried to speak with them so they can reopen the account for me. They said they can not do that but did encourage me to apply a new card. 
On XX/XX/XXXX, I submitted a new credit card application. However, the application was denied. Couple days later, I got a letter referencing the reason of deny. The letter says they can not approve the account because " an account with us and/or affiliates has been revoked ''. It is astonishing as they encourage you to apply a new card since your account is closed but deny you immediately because of recent account closure.
Consumer complaint received 2018-07-13
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: SYNCHRONY FINANCIAL (LA)

I was checking my credit report and a hard inquiry popped up saying that him something about XXXX XXXX XXXX XXXX and I dont know anything about that I didnt agree on that so I will like this remove from my XXXX XXXX XXXX  report I talk with XXXX XXXX and they said they have no information also I spoken with XXXX they tells me to call the police and XXXX XXXX is not helpful at all
Consumer complaint received 2023-01-27
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. (MI)

I have sent several letters to Transunion about a negative report that is showing up in my credit profile. I am not going to allow Transunion to continue to violate my rights under law 15 USCa ( 2 ) ( b ).
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing your services.
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX I has furloughed due to Covid19 and I have placed a called to Capital One to notify I will be making my payment late due to the loss of income and asked not to report late to credit bureau back in XX/XX/XXXX my work XXXX  shut down. The rep told me she would notify the acct and it would not be reported on credit report. I have made a payment in XX/XX/XXXX. I have received notification the late was reported to credit bureau. According to the CARES ACT negative report are not to be reported to credit bureau. I am at the end of refinancing my home and was notified of the late being reported and this halted the refinance process. I understand Capital One did not follow the CARES ACT that is in place due to COVID19 after speaking with the rep from Capital One I was informed this would not happen due to making the late payment. I am back working fulltime and back on track. I would like to have the 30 day late revised and reported to credit bureaus removed. XX/XX/XXXX spoke with XXXX ID # XXXX have informed me see the payment made in XXXX and the late should not have been reported since I have talked to someone and informed them I was effective due to COVID19.
Consumer complaint received 2021-03-04
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: SYNCHRONY FINANCIAL (TX)

This is a formal complaint against Synchrony Bank XXXX located in XXXX, Alabama. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd (NC)

XXXX XXXX XXXX they trying to collect 2 old account? Each one for XXXX $ For total XXXX I always explain thats was identity thief Im tired to explain my self to this company they take off account or get another Company and bring it back to me credit. Im not going to pay this I never get any service with them or any other company they need to leave my credit and me alone is upset me all the time they doing the same I dont receive any service from XXXX XXXX  or XXXX XXXX  back in the day! Please take it down of my credit always I send police report
Consumer complaint received 2021-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2023-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Paypal is refusing to release my funds after properly providing all documentation asked for by the company. 

I am requesting I have assistance in following up with paypal to have them release my funds immediately and close my account so no further funds will be going into the account. Then, I would like to also be compensated for wages lost and money lost from going through this process of obtaining my money that belongs to me. 

I have lost {$400.00} following up with paypal to gain my access and communicating with them in order to receive my funds. 

If I do not receive a response from paypal within the next 15 days, I will filing several motions to sue this company for loss of funds and distress.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2021-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CA)

This is a complaint under the Fair Credit Reporting Act, The Identity Theft and Assumption Deterrence Act of XXXX, and the California Penal Code, Section 530.8. The company named in this complaint received a copy of the identity theft report ( see attached ) from XXXX XXXX, a legal resident of California at the time the charges were made and subsequently a current resident of California for the purposes of the statute. The company was asked to provide proof of debt and charges in XX/XX/XXXX. Under California Penal Code, the company had 10 days to respond with the information requested as Section 530.8 ( a ) of the California Penal Code states, in relevant part : [ i ] f a person discovers that an application in his or her name for a... credit card... has been filed with any person or entity by an unauthorized person, or that an account in his or her name has been opened with a bank... by an unauthorized person then, upon presenting to the person or entity with which the application was filed or the account was opened a copy of a police report prepared pursuant to Section 530.6 and identifying information in the categories of information that the unauthorized person used to complete the application or to open the account, the person, shall be entitled to receive information related to the application or account, including a copy of the unauthorized persons application or application information and a record of transactions or charges associated with the application or account. 
The company provided statements that claimed an amount owed but failed to provide signed applications and details about who signed the charges or other information about the charges that appeared on the statements. This is a violation of California penal code and XXXX XXXX is entitled to relief of approximately {$75000.00} currently an amount that is increasing by {$100.00} per day of noncompliance per the California Penal Code ( 530.8 ( d ) ( 2 ) ) a prevailing plaintiff to recover damages, injunctive relief or other equitable relief, and a penalty of XXXX XXXX dollars ( {$100.00} ) per day of noncompliance.... Penal Code 530.8 ( d ) ( 2 ). 

The company has continued to flagrantly violate the law, most recently filing a fraudulent law suit through their attorney XXXX and XXXX, who are known for their deceptive practice and attempts to obtain default judgments through frivolous lawsuits. 

Commenity is currently being sued in Federal Court in California for these very same deceptive and fraudulent practices. See Gonzales v Commenity attached.
Consumer complaint received 2023-01-27
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. (CA)

I've contacted Equifax via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested