davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-29
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. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information are still found on my Credit Reports which I believe it has been taken care of by Transunion Credit Bureau due to the written appeals I sent last XX/XX/XXXX. Thus, Transunion Credit Bureau has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of inaccurate information are not authorized. Here are the concerned inquiries : XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date XXXX inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-01-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Ria Envia, LLC (NJ)

I've tried to do international money transfer using " https : //www.riamoneytransfer.com/ ''. I've used my XXXX XXXX savings account as source for the payments. In order to verify my account through ACH process, Ria was supposed to post 2 small deposits smaller than {$1.00} and 2 debits for the same amount.

Due to some technical.software issue Ria posted 6 credits and 6 debits on my account for verification. These excess no. of transactions triggered the fees on my savings accounts. Ria posted 8 excessive transaction than required and my bank  charged me 6 times the fee of {$9.00}, totaling {$54.00}. 

I've reached my bank first if they can waive these charges but of no help. 

I've reached Ria more than 5 times so far starting from XX/XX/2019 and I was told they are looking into the issue and I'll get credit in 2-3 business days. I'm hearing the same response for the last 45 days. So I'm complaining here.
Consumer complaint received 2022-01-13
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I have repeatedly informed the debt collections company that I am not under contract with them and do not owe them. The debt that they are claiming is fraudulent and was from a prepaid card that was already paid for and could not collect more than the money Id already paid upfront and closed. When I did answer and attempt to resolve this the man on the phone started yelling at me and berated me. They continue to call me while Im at work and are relentless in their pursuit of an inaccurate and fraudulent charge to my previous account with a company not authorized or under contract with this company. I really want them to stop, though I blocked the number more than 4 times and they continue to harass me.
Consumer complaint received 2021-06-01
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. (CA)

There are 8 loans on my credit report that do not belong to me I have not applied for these or used any of these I have no idea whos student loans these are or why they are on my credit report I need these off my credit asap!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : Unverified account
Consumer complaint received 2020-07-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized loan servicing ( SLS ) bought our line of equity account. We paid the account off XXXX XXXX. We've received 2 additional monthly statements showing XXXX  balance and the wording " If your loan does not have an outstanding balance, please disregard this notice. '' While checking to find out why the statements continue I called SLS on XX/XX/XXXX XXXX, spoke to " XXXX '' teller id XXXX, who informed me that I need to request a payoff statement ( that will cost {$25.00} ) and additionally because we didn't request this two months ago additional costs will be added. We never received instructions about requesting the payoff statement and never was informed why we now owe an additional {$8.00}. I requested many times to talk to a supervisor but XXXX informed me on XX/XX/XXXX that no supervisors wanted to talk to me. Therefore I do not believe SLS will work with me to resolve this issue.
Consumer complaint received 2022-01-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021, I disputed items in Equifax and it been over 30 days and the company has not responded to my request to delete all inaccurate items from my credit profile instead has completed removed all personal information no original finisher name or account information because of this situations it has caused hardship and great damages that have occurred to my credit score, along with credit profile this is abusive reporting tactics.
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that National Credit Adjusters would verify the debt. So I took it upon myself to ask National Credit Adjusters for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp. (AZ)

I received an email today from a company I have never had any contact with and they claim I owe money to XXXX XXXX. I have not now or in the past had an account with XXXX XXXX in any state since before XXXX of XXXX  and do not currently have an account. I left in a friendly manner before XXXX  and owed nothing to them, no loans, no credit cards or any other outstanding account to create an outstanding bill. I left XXXX  because of their incompetence but owed them nothing. There are over 26 thousand XXXX XXXX in this country. 

Their means of contact do not work, phone disconnected, email returned and no information to contact them. 
The company ( if real ) is " TrueAccord '' XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. 

This attempt to collect a debt not owed through force and fear, a crime. Further, it is in violation of 15 USC 41 ; sec 1681, et. seq. 

Simply put, this is a dishonest company trying to extort money.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

You keep saying you verified a bankruptcy with XXXX XXXX yet I have attached documentation showing XXXX XXXX couldn't even verify the information and removed any implication from my file yet you keep leaving it on my report. I AM GOING TO FILE SUIT UNLESS THE ACCOUNTS ARE REMOVED. I have proof and documentation from ALL the original creditors stating they have no contracts with me and or can't verify the information so who did you verify with? You continue to use E-Oscar to " verify '' inaccurate information and continue to leave it on my report. This is my LAST time trying to correct this then you force my hand to file suit and seek damages and {$1000.00} per violation.
Consumer complaint received 2022-04-29
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. (TX)

In accordance with the Fair Credit Reporting act, the following : 1. XXXX XXXX Account # XXXX XXXX XXXX, has violated my rights. 
2. XXXX XXXX Account # XXXX, has violated my rights. 
3. 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-01-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Law Office of Harris & Zide (CA)

wasn't aware of owing any creditor as i check my credit report frequently. On XX/XX/2020 i went to withdraw some money from my account and my balance was {$0.00} on checking and my savings so i went into the bank and was told that the law office of Harris & Zide had a judgment against and was allowed to take money from my accounts. So I called XX/XX/2020 spoke with a gentleman asking why did they take my money he then asked for my last for of my social I gave to him. He then said yes I owed money so I replied to who do I owe money to how much and what is the company name that I apparently owe money to he then said hold, but hung up on me. I then called back no answer so I called repeatedly and no answer. I did get a copy of the Judgement and everything that shows for my current Information is incorrect except my social security #, So I was never given or even mail me a judgment so I could respond. The address noted on the judgment is not my address there is no ph # for me so I do not understand how they got away with taking someone's money like that no up to date or current info. I just lost my XXXX-year-old son he was XXXX  and the money in my savings was money i had saved and collected to XXXX  my son so you can imagine what I'm going through having to deal with something that has nothing to do with me as far as I can see. They have violated my rights in every way this is unjustifiable, recklessness on their part and should not be practicing as a lawyer. How many other consumers have they done this to most likely no one has spoken or made an attempt to file a complaint because they are a lawyer so the consumer gets scared. well, i demand that they suspend their license for knowingly Intentionally taking advantage of a consumer who they most likely thought would not take this further.
Consumer complaint received 2021-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC (TX)

I received the attached letters on the same day XXXX XXXX BOTH in a non post dated envelope -- from XXXX XXXX Escrow showing I have a shortage and new pmt as I dont understand how I have a {$1900.00} shortage and payment stays almost the same? XXXX XXXX as of XX/XX/2021 and SERVICER-NOVAD When XXXX intentionally aware loan is being transferred to a XXXX XXXX XXXX XXXXXXXX XXXX. 

SERVICER FAILED TO NOTIFY ME AT LEAST 30 DAYS in advance to me My payments with XXXX are automated coming out the XXXX of every month. When I get paid. 
FAILED TO PROVIDE FIRST DUE DATE and AMOUNT Per letter states : indicates where I can send pmt after XX/XX/2021 *****THIS IS CONSIDER FRAUD I DID NOT receive a letter from XXXX XXXX WHEN to stop accepting payment from me-ALSO FRAUD All I recd from XXXX is a Escrow shortage ... sounds like a set up to immediately become delinquent with a corrected monthly mortg pmt Mortgage renewal XX/XX/2021 current pmt XXXX ****Did not receive a statemnt of the transfer will not affect any terms and conditions of my mortgage from SERVICER and XXXX XXXX from OWNER , LENDER, ORGINATOR and SERVICER with all info listed above My payments are set up auto with XXXX XXXX and a week is unacceptable and not enough time -- -This is FRAUD
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (TX)

I received an alert through my credit monitoring agency stating that Receivables Performance Management placed a debt from XXXX on my credit report. I contacted the agency to gather more information. I asked company 2 weeks ago to provide me with debt validation and copy of signed contract. I have not received it. The debt was owened by amsher compassionate collections previously. The debt was deleted by amsher due to them not being able to verify the debt. The original debt was from 2016 but it was listed as a new debt on my credit report by receivables performance management
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My name is XXXX XXXX my account number is XXXX with capital one bank my address is XXXX XXXX XXXX XXXX XXXX la XXXX and my social security number is XXXX On XX/XX/XXXX I received a small business loan for my business for {$20000.00} later that day I tried to get some of my funds out to go pay some of my bills for my business because my payments was behind and they froze my account say the XXXX XXXXid they had to but I called the XXXX  and they said they never said that and I shouldve received my fund because Im a XXXX XXXX I work for XXXX. So Im not seeing was the problem and I need my money for my business.
Consumer complaint received 2022-01-13
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: Experian Information Solutions Inc. (FL)

Since XX/XX/2021, I have had three collection accounts removed from my credit report because of a company error. Although the collection accounts have been removed, I do not see an increase with my credit score. I would like to know why my score has not increased since the removal of the negative accounts.
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Security Credit would verify the debt. So I took it upon myself to ask Security Credit for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC representing XXXX XXXX  My account with XXXX  XXXX  was closed and paid off in full more than 10 years ago. 
I never paid attention since this account was paid. Then, i saw this company flagging my credit bureau and decided to investigate. It resulted to be XXXX  XXXX collection agency that also keeps adding a new date to the credit bureau to make it seem as more current. 

I tried to talk to them, I asked them for the original bill from XXXX XXXX, to which they did not provide of course. 

This company XXXX XXXX had a lot of problems and complaints for the same reason. They have been reported to XXXX XXXX XXXX for Scam and lots of customers complain to the same issue : they always add extra fees ( not owed ) to customers that have recently closed their account, and when they try to fix this problem, they refuse to answer them and automatically send to this credit collection company to start messing customers credit and in a way scam people to pay the late fees that they never owed in the beginning since their acts were closed before. 

I am sending you a copy of my last bill, please note that they kept sending me these bills, even after i attempted to close the account without owing them any money. The fees they are adding there don't belong to me : they added some late fee for the account that was closed without a balance, they try to charge you {$35.00} for the account whether you use it or not ..., in top of that you can see some of them are annual fee and they even claim interest on these late fees that they come up with to take money from you. 

Please help me with this, ,this has been going on for years and I am not getting anywhere with these collection agencies who in some instances have tried to put duplicate information on my credit bureau to make it look like a different account. I had the duplicate information removed from the credit bureau. 

On my other credit bureaus besides XXXX  I am not having any issues. 

Thank you very much, XXXX XXXX XXXX
Consumer complaint received 2021-02-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions (AL)

I recently check my credit report and notice a collection from HOLLOWAY CREDIT SOLUTION, LLC reporting a alleged debt of {$250.00} on my credit report that i do not owe.I submitted them a letter on XX/XX/2021 disputing the validity of the alleged debt and medical documentation from them, and as of today i have not received them.I also attached you a copy below of the letter.
Consumer complaint received 2022-01-13
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: Experian Information Solutions Inc. (CA)

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to XXXX XXXX XXXX : Late Payments from 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 2022-01-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NV)

I purchased a watch from XXXX XXXX, who's parent company and the one who the card was charged under is XXXX XXXX XXXX XXXX, on XX/XX/XXXX in the amount of {$2500.00}. I returned the item via XXXX on XX/XX/XXXX. XXXX XXXX received the item on XX/XX/XXXX. I initiated my dispute with PayPal Credit on XX/XX/XXXX as I had not received any confirmation from XXXX XXXX on my return. On XX/XX/XXXX, XXXX XXXX sent me an email stating they received my item and another email on XX/XX/XXXX that they processed my refund. I received an initial credit from PayPal Credit on XX/XX/XXXX for the purchase charge. I thought everything was completed. I noticed that on XX/XX/XXXX XXXX recharged my PayPal Credit account for {$2500.00}. I was never given any notification that this occurred or that the dispute had closed. I found out when I went online a few weeks prior. I reopened the dispute on XX/XX/XXXX and contacted XXXX. According to them, XXXX stated they never received the watch back on XX/XX/XXXX so they closed the dispute. PayPal Credit never provided me with any documentation regarding this claim. When I reopened the claim on XX/XX/XXXX, I provided PayPal Credit with proof of XXXX return, proof of XXXX delivery receipt, Tag Heuer return email and refund email. On XX/XX/XXXX, I noticed that PayPal Credit closed the dispute again. This time they stated that on XX/XX/XXXX, XXXX stated they never received the item. On XX/XX/XXXX, I faxed a letter with the documentation I had provided previously, plus I provided a copy of the order section online which stated that XXXX XXXX returned my item, email correspondence with XXXX stating they have tried to refund the money since XX/XX/XXXX and have been rejected by XXXX due to a chargeback in progress. On XX/XX/XXXX PayPal Credit closed the dispute again. To this date I have not received any correspondence from PayPal Credit regarding my claim. The only correspondence I have is when I have called them and they have verbally informed me that on XX/XX/XXXX and XX/XX/XXXX that XXXX had stated they did not receive the watch. The only thing I can see is the dispute status online whether a case is open or closed, nothing else.
Consumer complaint received 2022-04-30
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)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights 1. XXXX XXXX XXXX - Account # XXXX, 2. US Department of EDU - Account # XXXX, {$1800.00} 3. US Department of EDU - Account # XXXX, {$7500.00} 4. US Department of EDU - Account # XXXX, {$2400.00} 5. US Department of EDU - Account # XXXX, {$4200.00} 6. DPT ED / XXXX - Account # XXXX 7. DPT ED / XXXX - Account # XXXX, {$9000.00} 6. DPT ED / XXXX - Account # XXXX, {$16000.00} 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 an account without my written instructions.