davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX 2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX REV ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I sent PORTFOLIO RECOVERY a letter asking them to verify this account belongs to me. They sent me old XXXX XXXX statements. THIS is not what I ask for. I want the Original contract from me and XXXX XXXX with my signture etc. If they can not give me this, please removed the account OFF my credit reports ASAP. I sent many letters and they have yet to provide proof. 

PORTFOLIO RECOVERY # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$4000.00} Date Updated : XX/XX/XXXX Original Amount : {$4000.00} Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : {$4000.00} Pay Status : >In Collection<
Consumer complaint received 2021-11-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Zillow Group Inc. (CA)

I sold my home in XXXX XXXX XXXX, CA to Zillow. Zillow used their own escrow company ( Zillow Closing Services ) to handle the funds for my transaction. 

On XXXX I transferred ownership to Zillow and on XXXX Zillow closing services were scheduled to wire {$270000.00} to XXXX XXXX XXXX in XXXX XXXX, CA so I could close on my new home. 

The funds were sent at approx XXXX on XXXX. But the funds never arrived and around XXXX XXXX it came to light that they were wired to an incorrect location that was set up by a scammer to impersonate XXXX XXXX XXXX and intercept the funds. It doesnt appear Zillow followed their internal protocols to verify the wire destination before sending the funds. The destination escrow company called and left numerous messages for the staff at Zillow closing services with no response in order to make sure they knew the wire destination. 

Zillow acknowledged receipt via email of the correct wire instructions and also acknowledged receipt of an irrevocable demand document which shows the correct wire destination. However the funds were sent elsewhere. 

Currently I have no home to go to and every day I am incurring storage costs for all of my items.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MO)

PayPAL on XX/XX/XXXX I purchased a pair of shoes from XXXX for XXXX on XX/XX/XXXX I returned them. On XX/XX/XXXX I tried to order another pair larger size same shoes different. size same price. Paypal will not let process transaction. I have {$1500.00}. available, the original purchase has been returned to paypal. pay [ al credit under syncrony bank says it has not issue, XXXX sys it is being stopped by processor. paypal says it is the computer.
Consumer complaint received 2022-01-11
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK (FL)

I Started with freedom debt relief 2 1/2 years ago in 2019 I enroll XXXX 11 accounts in debt paying {$370.00} a month. I was recently offered A loan through XXXX XXXX which was misleading and confusing where they settled remaining 8 accounts in debts and paid a total of {$11000.00} for my accounts. After they settled all my accounts and finalize my loan they are now asking for XXXX To be paid in 48 months at {$500.00} a month. So almost 3 years later Im back at {$24000.00} in a loan debt for another four years. I am in the process of an attorney and I am also reporting this to the state attorneys office in the meantime my credit score has been damaged all this time and it seems it will be a long time before I can recover because I have refused to pay this amount. I have done some research and I have found XXXX XXXX  and FDR freedom debt relief Are indeed the same company and I have seen where they have also been sued for the same reason I need help to be able to move forward And stop these people from the continuous scam.
Consumer complaint received 2018-02-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (VA)

I have 4 student loan total and only 4 and they are on my credit report 12 times. I dont understand. XXXX XXXX held them originally then they were sold to Navient and now they are with the XXXX XXXX XXXX. Each account listed is a duplicate with each provider. So the negative information shows up on XXXX XXXX 4 student loans. same 4 account and negative info under Navient and the same 4 under XXXX XXXX XXXX. 

How do I get all the other loans removed except the 4 student loans that I have.
Consumer complaint received 2022-01-11
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2020-01-22
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. (NE)

XXXX XXXX Experian and XXXX are reporting incorrectly a charge-off of {$13000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and any remaining balance that was due I paid in full. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be either removed and/or updated to reflect accurate information on my credit report. I have contacted the ( 3 ) bureaus to remove and/or update these items however, I have not been successful.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management (OH)

I had a medical bill from 2015 that I have a paid receipt for from the doctor This had just now this month shown on my credit report and not sure why I contact the collection agency and they say " the did not report this '' I offered to show them the credit report and they keep putting on on hold and saying they can not help This account as per the attached was paid directly to the doctor and never should have been reported. It always is reporting a balance that was paid over 2 years ago XXXX XXXX
Consumer complaint received 2020-01-22
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. (NE)

XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off of {$13000.00} on the XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and any remaining balance that was due I paid in full. There is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be either removed and/or updated to reflect accurate information on my credit report. I have contacted the ( 3 ) bureaus to remove and/or update these items however, I have not been successful.
Consumer complaint received 2018-02-05
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: Commonwealth Financial Systems, Inc. (AL)

To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For commonwealth fiancial and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (CA)

This is a formal complaint against XXXX XXXX XXXX located in XXXX TX. 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. 

They are reporting an account on my credit report that was opened in XXXX and charged off in XXXX, which is well past the allowed time for reporting to the credit bureaus. They have illegally re-aged this account and recently sold it to a collection agency that filed a lawsuit against me, which I hired a lawyer for and won the lawsuit, given the violation and expired statue of limitations. I have disputed directly with the credit bureaus on this account and XXXX continues to respond as account being verified, but fails to provide me with proof. 

Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX 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 2018-02-06
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. (GA)

I have contacted Experian on more than one occasion to dispute the validity of the reporting of XXXX XXXX XXXX listed under my credit file. They continue to simply mark this reporting as verified. However, another bureau 's investigation revealed XXXX XXXX XXXX   is not reporting a valid debt as there is no signed and dated Notice of Assignment from the original creditor. I would like to know what Notice of Assignment Experian has seen that no one else has received? I took it a step further and sent Experian a second request for removal and attaching a copy of the deleted reporting from the other bureau and still the reporting remains. I have already filed against XXXX XXXX XXXX for this reporting violation. It is only fair that I file against Experian as well, since I have reached out multiple times in the last six months for them verify compliance and validation for this error reporting under my name. Since this is not a new issue, I am only waiting 15 days ( XXXX2018 ) before I file a complaint with my Georgia 's Attorney General Office against Experian for violating my rights as a consumer who has asked on numerous occasion that this reporting be properly verified. Others have found no validity, yet Experian continue to say is it verified.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

The American Express Platinum card offers an annual credit of {$200.00} towards XXXX rides. This is broken up into monthly amounts that expire if not used. The Amex Terms and Conditions state if a ride is more than what is available than you will, credit card customer, will be charged for the difference. For the last year, month over month, I used XXXX and my rides were over the monthly {$15.00} allocation. I reached out to XXXX and they have informed me in customer service emails ( 4x ) that they do not do partial credits. When I reached out to Amex and provided them the information received from XXXX, they said they would investigate, but promised no response back to me and only a credit for {$50.00}. 
They told me they can not assist for the other credits that have since expired with XXXX. I believe this is Unfair and Deceptive marketing practices by American Express and XXXX. The benefit is offered through American Express and charged using my American Express card. They should 1 ) fix the issue with XXXX for myself and any other customers ; 2 ) credit me for the remaining {$150.00}. 

I filed a complaint with the XXXX XXXX XXXX ( # XXXX ) on XX/XX/XXXX and received a call from XXXX XXXX with AMEX 's office of the president on XX/XX/XXXX. I was informed that AMEX provided the monthly credit to an XXXX wallet and partial credits should be withdrawn monthly as part of the ride. This did not take place. AMEX advised that after the amount is received within my XXXX wallet that the benefit has been provided, and there is nothing further they could or would do. They advised me further that an old Amex card # is linked to my XXXX profile that may have caused the credit not be to applied, but I should have received a partial credit. Through research online I was able to determine that XXXX changed their wallets and how partial credits maybe applied depending on how a User has established their profile, which largely impacts Amex benefits. 

I have since deleted my profile within the XXXX App and created a new profile, and in XX/XX/XXXX received the partial credit for the first time. 

This seems to be a known issue of AMEX benefits based on internet research, which through their partnership with XXXX should be rectified. This benefit was offered and then operationally changed in XX/XX/XXXX without customer awareness ultimately allowing the two companies to benefit from customers unknowingly not receiving the benefit ; thus, decreasing the cost to offer the benefit and increasing fee income by AMEX through increased credit card spend.
Consumer complaint received 2016-04-20
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Guidiville Indian Rancheria (OH)

Left vm in parents can that they were charging me with XXXX counts of fraud the phone number that showed up on caller id was XXXX county clerk of courts but number on cm call to resolveissue and not be charged was to call XXXX XXXX XXXX, then when I called them it went directly to there be no company name or employee name they returned call next day from now a Georgia phone number to call the same XXXX number when I called he was rude and his vm stated they would file for willful evasion. When I asked why they did n't send me written letter he stated he was not a collection agency so they did n't have to that he was a law office and when I asked company name he told me XXXX XXXX. He said I had balance on a pay day loan of {$350.00} but would settle today for {$200.00}.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Security Credit Services, LLC (GA)

I am not liable for this debt of {$2300.00} with SECURITY CREDIT SERVICES Acct : XXXX. I do not have a contract with Security Credit Services, and was not provided the original contract with my wet signature and ID verification.
Consumer complaint received 2020-12-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings (MI)

Speedy Cash and XXXX XXXX THEY both used XXXX. Speedy cash, I found out today that I don't have an account with, told me I owe XXXX with them. And if I don't pay they were going to have my account sent to court and there would be an warrant out for my arrest. They also stated : The charges with Speedy Cash Inc., pressed on you are 1 ) Violation of Federal Banking Regulation 2 ) Breach of contract with loan the company 3 ) Theft by Deception And also : Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department tomorrow at XXXX XXXX  as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$2400.00} You can apply for an Offer In Compromise ( OIC ) And May Choose Payment Arrangement Options Mention Below : i ) You can clear this debt by paying {$1500.00} TODAY Deducing Daily Interest as ( OIC ) Offer in Compromise ii ) You can submit the Settlement Balance of {$2400.00} in payments ( {$610.00} x 4 installments starting from TODAY, to hold the WARRANT ) They also said it was going to lessen my credit by almost XXXX points. I think XXXX to be exact. I have resolved these issues by myself. I did send {$300.00} to Speedy cash a few days ago to hold the case and plus I was scared. But when XXXX XXXX  emailed me from there XXXX thtas when he didn't address my name or anything he kept saying me is my name or my email. Which is not my name.
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MN)

My mortgage was transferred to Rushmore Loan Management Service LLC on XX/XX/XXXX from XXXX XXXX XXXX. I was at the end of Modification with them when it was sold. I received letter from Rushmore saying they are going to honor the modification XXXX XXXX XXXX had agreed on. My Payment 's was sent to BA of {$1100.00} So I started sending Rushmore payments on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I paid XXXX. In XX/XX/XXXX I called to make a partial payment I was told No by XXXX he couldn't take a partial payment. I received a call voice message on XX/XX/XXXX saying they were done with my modification. Most Modification after you do three payment 's your starts that next month. I never received my Modification paper 's from them until XX/XX/XXXX. Signed them and had them Notarized on XX/XX/XXXX. They sent me XXXX to me on XX/XX/XXXX. On XX/XX/XXXX they sent me copies of the paper 's I had notarized for my records. The letter was dated XX/XX/XXXX but envelope was dated XX/XX/XXXX. On XX/XX/XXXX a certified letter came with the date on top of letter XX/XX/XXXX. And the notice of intent to foreclose. On modification it states that payment begins on XX/XX/XXXX but I just signed them on the XX/XX/XXXX. I called Rushmore XX/XX/XXXX and spoke with customer service XXXX ID # XXXX he ask was I going to try and save the house I said yes. XXXX was shock and didn't understand why I just signed my paper 's. My loan was transferred on XX/XX/XXXX. Plus my payment went up to {$1200.00}. My question is if I'm just signing my modification paper 's how are they foreclosing on the property? I will be sending over documents. I just didn't here anything until XX/XX/XXXX on the modification.
Consumer complaint received 2018-03-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I have reviewed my credit reports and reviewed the Statute of Limitations on Debt, for the State of Virginia, and I believe debts from Capital One and XXXX XXXX XXXX can not publish balances due, after 3 years of debt. 

In this matter, I have been without permanent job and I have not been able to pay my debts. And as of this Statutes, I believe balances due must be erased from my credit reports.