davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-05
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. (TN)

On XX/XX/2014 I opened an account with XXXX. At that time, they were offering a promotion. They guaranteed that we would be happy with our service or we could cancel within 30 days with no money due and no cancellation fee. We were very unhappy with the service and even had a service call which resulted in no improvement in our internet service. On XX/XX/2014, I returned all equipment to our local XXXX office and was presented a receipt for the returned equipment and had a XXXX balance.

Since then I have had 3 separate collection agencies report on my credit report that I owe {$160.00}. Three times now I have disputed these with the credit reporting agencies and had the entries removed. 

XXXX my shock when we applied for a loan in XXXX and found yet ANOTHER new agency reporting that we owe XXXX!!! The new collection agency is called XXXX, XXXX. 

Something needs to be done about companies such as XXXX continuing to report the fraudulent claims. I have consulted with hundreds of individuals in the past 3 months that have had the same or similar issues. 

I want all items from XXXX removed permanently from my record. Even the XXXX representatives themselves have stated that we have no balance due. I am getting nowhere quickly disputing these on my own through the 3 bureaus because they just come back as a different collection agency.
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days gives a reason to immediately remove those items from my credit report it has been over 60 days a so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIBANK, N.A. ()

Due to the lack of responsibility and irresponsiveness of a Citibank 's staff, my student loan with Citibank missed the collection time limitation and the loan become " discharge ''. I lost track of my loan in XX/XX/XXXX when Citibank told me that my loan was transferred to another company. I have been chasing where my loan is since then. I finally got in touch with a lady of Citibank in late XX/XX/XXXX and knew that my loan was still with Citibank. Then I have been following up with her. I asked for the latest amount to write on the check since I have lost track of my loan for a long time and I don't know the amount on the latest statement. I have been sending emails with her since late XX/XX/XXXX and asking for the amount for many times and expressed many times that I want to make the payment as soon as I know the amount. Without telling me the amount to write on the check, she didnt tell me there is a collection time limitation either, which leads to the discharge of my loan. Now I got a XXXX with the principal amount and I have to file the tax soon. And I will have a bad credit record. I dont think I deserve such a result after chasing my loan with Citibank for such a long time. I have the email evidence to show all the efforts I made in the past several years to chase where my loan is and to ask for the amount in order to repay the loan as soon as possible. What I want is that the bank gives me a channel to repay all the principal and interests and the bank issue an updated XXXX form to me and to IRS. Thanks!
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XXXX XXXX wrote off my debt of {$3600.00} more than 8 years ago, this company Portfolio Recovery Associates bought the debt for pennies on the dollar, they have been calling me numerous times, sometimes before XXXX. They want to collect this debt. I am XXXX  with sXXXX XXXX XXXX XXXX I suffer with XXXX XXXX XXXX. This is not good for me.
Consumer complaint received 2020-12-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
Consumer complaint received 2019-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I got a dispute on paypal ( case ID : XXXX ) currently on right now and its for a {$200.00} laptop that is inaccurately described and non-functional and comes w/o a charger ( which I had bought 3 chargers already and none worked ). Paypal wants me to ship this laptop back which would cost me out of pocket {$100.00}, that means in the end I won't get all of my money back, just under half! It wasn't my fault that the seller didn't describe the item as accurately as possible, I was expecting a fully working laptop and what I got is practically a huge paperweight. 

I am willing to ship the item back in the expense of the seller, not mine. if the seller gives me a return shipping, cool I'll send it out the door as soon as possible. other than that I will not spend another dime on this laptop. 

Why is the buyer practically being punished for something the seller failed to disclose. The seller should be the one taking the hit on this case but instead I am losing my money while the seller laughs as I have a miserable time trying to deal with this. 

I never thought this is how paypal 's " buyer protection program '' works. It's so ridiculous.
Consumer complaint received 2022-04-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bread Financial Holdings, Inc. (CA)

This company working under the name of attorney XXXX XXXX contacted my niece and my ex-wife seeking information about my location which they already had because they had texted me hundred different name several times and I had not responded as originally known number and name. The indicated to my niece and to my ex-wife that this was a criminal case it already been filed in XXXX XXXX. Both of these things are untrue. The case number that was provided to my relatives was simply my file number but was represented as a court case filing. 
When I did call the number that was provided I was directed through a large answering service to a secondary service where the individual would not identify the name of the company only that they held a debt that was payable admit I had a choice of them submitting papers for his summary judgment order of setting up a time payment for the debt. 
I asked that all papers be emailed to me that I could actually read them. This was resisted by the woman on the phone did not give me your name nor direct line so that if we were disconnected I would be able to to call back. 
She promised to provide the paperwork with in one via email. I have not received any documentation from them 24 hours later.

I was not informed they were debt collection company.

I was not informed that the conversation was being recorded. 
I was not informed that they were asking for this information in order to recover the debt. 
I was not given the opportunity to dispute the debt. 
I was pressured to provide financial information submitted they could begin payments immediately.
Consumer complaint received 2020-11-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (NC)

After we purchased vehicle it began to have mechanical issues the motor blew on it. We had the car for less than six months. I made numerous attempts to have them repair the issue however they would not honor the warranty. At that point the vehicle would not drive I had told them to then come pick up the vehicle which they did a few days later. I have never received a bill or statement of proof of the debt as I have disputed this many times. The company has NEVER provided the proper documentation to support this debt.
Consumer complaint received 2023-04-05
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. (PA)

XXXX have been reporting inaccurate information on my credit report. 
My XXXX Account # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX  # XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX # XXXX was charged off as of ( XX/XX/XXXX ). 
My XXXX XXXX XXXX XXXXXXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has been reporting inaccurate information on my credit report : My XXXX Account was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX  was charged off as of ( XXXX OF FIRST CHARGE OFF ). 
My XXXX  XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 
My XXXX XXXX XXXX XXXX was charged off as of ( XXXX, XXXX OF FIRST CHARGE OFF ). 

Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax has been reporting inaccurate information XXXX my credit report : My XXXX XXXX XXXX XXXX ( Charge off date XXXX, XXXX ). 
My XXXX XXXX XXXX XXXXXXXX ( Charge Off date XXXX, XXXX ). 
My XXXX # XXXX ( Charge Off date XXXX, XXXX My XXXX XXXX XXXX XXXXXXXX ( Charge Off date XX/XX/XXXX. 
Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

On XX/XX/2021 my US bank account was officially closed due to a flagged bank transfer from my daughter that was flagged. I was told the funds from the failed bank transfer would be transferred back to the original sender before my account is fully closed. The original sender still have not received the returned funds and my account has been officially closed for over 2 weeks now. I was told in writing that the funds would be sent back as soon as my account was closed.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MO)

On XX/XX/2020 I sent in a check for {$400.00} to cover a short fall in my escrow which was notified by my mortgage company to keep my mortgage payments down. They stayed at {$600.00} a month. In XX/XX/2020 I changed home insurance companies for a better rate and informed my mortgage company of this change. They in returned sent me a notification that I was short in my escrow and that I needed to send in short fall to cover my escrow. I sent in a check for {$1000.00} on XX/XX/2020. Then in XXXX I was notified that my monthly mortgage had gone up to {$670.00}. When I contacted the mortgage company they explained that I had a major shortfall in my escrow account. I asked where did my to checks go that I sent in for escrow? Upon examination it was found that the {$400.00} had gone to principle and interest and I am really not sure where the {$1000.00} check went. I have been in contact and written letters to this mortgage company with not a response from them. The latest episode is they said I had not paid my XXXX mortgage payment when my bank shows that on XX/XX/2020 The mortgage company had been paid the full amount. Please refer to my enclosed letters.
Consumer complaint received 2019-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

This mortgage company has made SO MANY errors in the servicing of my mortgage. I did not choose them - they purchased my mortgage shortly after I closed on my home in XX/XX/XXXX. My escrow account had to be re-analyzed THREE times due to clerical errors. Initial increase in my payment of $ XXXX/month was paid for XXXX & XX/XX/XXXX. I did the homework & sent both , county & city actual taxes due on XX/XX/XXXX. They transposed numbers on one & did not update the other. When all was finally corrected, my actual payment increase was only {$37.00}. In XXXX, insurance renewal time, I asked them to withhold payment of initial premium notice, as I wished to shop & make changes to the policy. After two weeks, I gave them the revised premium & the OK to proceed with payment. They acknowledged receipt of the corrected declarations page. Two weeks later, the payment had still not posted, and I became concerned, as the due date was 2 weeks away. When it was finally released, they paid the INITIAL premium, not the one I asked them to!! I am currently waiting on a refund that will be processed by my insurance company.
Consumer complaint received 2019-03-11
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent a letter to CAPITAL ONE BANK USA NA asking them to have my credit card tradeline remove once payment was received and paid in full however the account does shows {$0.00} balance as of XX/XX/2017 however per agreement the account was never removed from any of the 3 major credit bureau and after 3 attempts i have not yet received any results and it still showes negative which is causing me to have a negative credit profile i ask that you please remove this paid but negative account from my report so that i may have a positive credit file
Consumer complaint received 2022-11-16
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. (FL)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX Account number 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 A Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

My name is XXXX XXXX I am consumer, a natural person. On Monday XX/XX/2021 I contacted PayPal Credit Card Services and spoke with XXXX, I informed her my payment in the amount {$3900.00} was not applied to my account and I question why. She looked up me account and informed me she did not understand why that error occured. I spoke with her Supervisor XXXX and she informed me that XXXX forwarded my information to the dispute department. I am concerned as I take my finances very seriously. I remitted my money order by there directive and in accordance with the law as UCC 3-603/3-311 directs
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

Portfolio Recovery They are calling me 2-3 times a day from numbers all over the country but recently, they have gone local ... XXXX and even right here in my city of XXXX. I asked them where they were calling from and of course they repeat " Portfolio Recovery '' and I say, " No, what city and state '' and I get " West Virginia ''. I say, " How are you calling from a XXXX number, then? '' I get, " Oh, we have numbers all over the country. '' This, of course, allows them to contact you way more than they are suppose to be doing, so it's harder to prove that it is them. I can certainly call up my phone log and highlight the calls if need be. I'm just really tired of this. If they want to contact me, that's fine but to get me to answer in the middle of work by sending their number as a local number is not cool. I think it's an emergency or something with family and I take it and this all goes on during my work time. I asked them not to do this.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 


XXXX Account number 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 A Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

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 have reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-11-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (CO)

They sent me a letter stating they have a judgment against me in a letter and it says to call them to set up payment plan. I was never served nor have I gotten any paperwork from a court. They are using this letter as a threat and that's how we took it. We got the letter onXX/XX/2018 amount XXXX and they said the cost for post judgment cost as well. File XXXX. Says in letter through XXXX court.
Consumer complaint received 2019-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch (NC)

Crown Asset Management purchased debt from XXXX XXXX that I owed I paid the debt to Crown Asset Management however they are still reporting the debt as delinquent even after the debt has been paid as of XX/XX/19.
Consumer complaint received 2019-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (GA)

I fell behind in XXXX  when I purchased a vehicle that I purchased that was constantly broke down. my best buy/ Citi bank account was one of the counts suffered I have been catching up over the years. 
However, when I call Citi bank the automated system cant locate my account. when the representative comes on the phone, they tell me they cant see my account. they must transfer me to another company that is handling my account now. 

Their representative tells me the account is too old for them to collect a debt on. they tell me I can send a voluntary payment to Citi bank but can not not do anything about my credit report.

If Citi bank cant find my account, I am not going to just send them money. 
I understand I messed up with the account. However, I am trying to make it right. 
They are continually reporting the account to my credit report every month. 
They will not offer to settle the account but still will not settle the account.
Consumer complaint received 2022-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Dividend Finance Inc. (CO)

I purchased a solar system from XXXX XXXX and Dividend Finance was the loan company. This company is a division of XXXX Bank. I was happy with the loan and the APR, and the paperwork for my loan explicitly states this loan is a secured loan ( backed by the panels themselves ), which makes a big difference vs an unsecured loan. Fast forward to a month ago when I took out a personal loan to finance some other expenses, and my lender for the personal loan flags this solar loan as an unsecured loan, which then eats into the amount I can borrow since personal loans are capped at 50 % of your annual income. I've been in contact with both Dividend and XXXX Bank, but so far the response has been lack luster. I am waiting to hear back, but at this point I am very frustrated that they changed this loan type without notifying me.