davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

This company is violating the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report nor shall it show any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The following accounts and balances shall be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc (GA)

I reserved a storage unit for my sister to move her stuff, my sister had the storage reservation placed in my name, and even though I contacted the storage center numerous times about canceling the contract and properly transferring it into her name cause she was not making payments they did not do so. After they sold the debt to JJ Marshall it appeared on my credit report and I disputing explain g the above that the account was never supposed to be in my name and that I had told the storage center this as well. I went as far as contacting JJ Marshall directly to speak with the agent assigned to the case. This agent admitted that they knew the owner of the account was disputed and that when they came into ownership of the account it was noted in the file that ownership was disputed. Despite this admission, the agent refused to remove it from my report. Further, every time I have properly disputed it with XXXX they have responded by saying they have verified the account as mine despite my objections to ownership and their owner 's knowledge of the contested ownership. They have sent 100s of spam emails and spam calls so often and frequently that I had to block several numbers from this agency as I was getting nearly 20-30 calls from them weekly ( including weekends ). 6 months ago I filed a dispute about this account and submitted proof as to their knowledge of the inaccuracy regarding the ownership of the account. In response to this JJ Marshall removed the item from my account, stopping the dispute, and added it back in XXXX. They are continuing to assert they have confirmed ownership and that is a blatant lie.
Consumer complaint received 2022-01-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

NOTICE TO RECORD MORTGAGE SATISFACTION PIECE TO AVOID PENALTY Date of notice : XX/XX/XXXX To the mortgagee named below : The party issuing this notice believes that the mortgagee of the mortgage described below has received full satisfaction and payment of all amounts secured by the mortgage, including any applicable satisfaction fee ( XXXX**the party is able to record the satisfaction in their locality and is therefore requesting that the satisfaction be sent to them ), and that, where applicable, the mortgagee has been instructed in writing, effective as of the date and time of receipt of the mortgage payoff figure, to close and decline any further advances on any open line of credit which was secured by the affected mortgage. The party issuing this notice hereby requests that the mortgagee issue and present for recording a satisfaction piece concerning the mortgage or provide a satisfactory reason why the mortgage should not be satisfied to the party issuing this notice. If you do not comply with this notice, you may be liable for penalties and costs in accordance with the Florida Statute 701.04 ( 2 ) known as the Mortgage Satisfaction Act, or the party issuing this notice may be able to satisfy the mortgage without your consent. 
Name of mortgagor : XXXX XXXX, XXXX XXXX Name of mortgagee : SunTrust Mortgage , Inc . 
Name of Servicer : SunTrust Mortgage , Inc . 
Name of ( original ) mortgagee : SunTrust Mortgage , Inc . 
Name of last assignee of record : SunTrust Mortgage , Inc . 
Date of mortgage : XX/XX/XXXX Amount of mortgage : {$530000.00} Recorded in XXXX XXXX, Florida, Instrument # XXXX, Book XXXX, Page XXXX recorded XX/XX/XXXX Brief description of premises covered by mortgage : Property known as XXXX XXXX XXXX, XXXX, Florida XXXX Mortgagee loan number ( if known ) : XXXX Name of party presenting this notice : XXXX XXXX, XXXX XXXX XXXX Address of party presenting this notice : XXXX XXXX XXXX XXXX, NJ XXXX Telephone number of party presenting this notice : XXXX Additional Information : See attached XX/XX/XXXX screen shot from SunTrust Mortgage , Inc. showing zero balance
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (NY)

XX/XX/XXXX : I attempted to transfer {$100000.00} from XXXX to a US Bank checking account to be prepared to pay my tax bill. I accidentally transferred in the wrong direction. 

XX/XX/XXXX : I called XXXX, and they conferenced in US Bank to clear up the issue. US Bank informed me that the account had been closed due to fraud. We discussed my mistake, and they assured me that the account issues would be resolved, and I would have access to my bank account again the next day. I ran the correct transaction to return to transfer {$100000.00} back to US Bank. When the account wasnt reopened, I gave them the benefit of the doubt, and waited over the weekend to see if it would be reopened on Monday. 

XX/XX/XXXX : Another {$100000.00} was returned from XXXX to US Bank as part of the ACH Insufficient funds that was originally attempted. At this point, {$100000.00} has correctly moved to the US Bank account to pay for taxes. At this point my account is still closed. 

XX/XX/XXXX : I called US Bank again to see why my account was still closed. They told me there was nothing they could do - it was flagged for fraud ( presumably due to my original mistake ) - and that the funds in the account would be returned either to XXXX or mailed to me as a check. 

I received a letter from US Bank, now stating that my money would be returned within 15 business days of the account being closed. In the meantime, another {$12000.00} was deposited to the account, as part of my NY State XXXX  tax return. 

XXXX : It has now been 16 business days since I lost access to my account. I call and ask the status of my funds. They state that its in the hands of the fraud department, who can only be reached by email, and they have no estimate how long it will take to get my funds returned. They tell me they will email the fraud dept, and to try calling again next week. 

XXXX : I call again at their direction. The new rep states the same : its in the hands of the fraud department. They have no idea when I will regain access to my funds.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Forensic Evidence 100 % fraud by transunion. Intentionally reducing credit scores by huge amounts so it increases consumers interest we pay on credit cards I conducted a forensic evidence test to intentionally catch Transunion. See evidence attached XX/XX/2024 XXXX debts my score was XXXX XX/XX/2024 intentionally charged {$2200.00} credit XX/XX/2024 Transunion XXXX points score XX/XX/2024 intentionally payed {$2300.00} returned XX/XX/2024 Transunion XXXX points score Credit balance XXXX {$0.00} XXXX credit score Credit balance XXXX {$0.00} XXXX credit score transunion has been officially caught damaging my credit by XXXX points for no cause. this forensic evidence test was designed specifically targeting to catch their fraud in realtime with factual evidence. 

Federal agencies are being notified for legal action. 

Transunion is strategically forcing my credit score down to intentionally move my score down to force higher interest rates by creditors
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

In XX/XX/2020, I was forced to move out of my apartment cause the person I lived with was not following the rules set by the state government regarding covid health and safety. I have an XXXX  XXXX and XXXX so getting XXXX prior to any known treatment or vaccine being available was dangerous. I explained this situation and the risks my roommate was making to my health and asked that they release me from the lease. They stated that they would not and that only my roommate who was causing the risk to my health could. I contacted a lawyer and they assisted with requesting a reasonable accommodation from my lease under the ADA and Michigan law. Despite this, the XXXX sold the account to Procollect stating that a debt was owed by me and my roommate even though I had given proper 30-day notice to end my lease in addition to the reasonable accommodation. Procollect has since continued to harass me exclusively, they have not contacted the actual owner of the debt, to repay this debt I am not obligated to pay. I have contacted Procollect to resolve this debt and they refuse to discuss the matter with me because I dispute legal obligation and ownership. The agent assigned to the case hang up on me in response to my requests. I have disputed this account for years explaining the above and submitting the letter from my attorney as supporting documentation. The company along with another responded to my disputes by removing the collection from my account for around 4-6 months before adding it back to my credit report. This is not the first time this company has done this as over the years they have removed it when disputed for a span of time and then added back. This account was properly removed elsewhere but because of XXXX 's loose rules regarding reporting they continue to add and remove it from my account at will.
Consumer complaint received 2022-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 3 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. You failed to verify & validate all data for the following accounts, please remove IMMEDIATELY : Account Name : XXXX XXXXXXXX. Account Number : XXXX ; Account Name : XXXX  Account Number : XXXX ; and Account Name : U S DEPT OF ED, Account Number : XXXX ; U S DEPT OF ED, Account Number : XXXX ; U S DEPT OF ED, Account Number : XXXX ; XXXX, Account Number : XXXX ; XXXX, Account Number : XXXX ; XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA. On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed.
Consumer complaint received 2021-04-06
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 ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA (VA)

According to my billing statement, and Apple card customer agreement, I am to send a " non-conforming '' payment/Notice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . My billing statement did not include the entire balance amount so that I can " pay in full. '' The statement 's total balance was incorrect as it did not include the interest amount that would allow me to make a purchase for goods. I have heard nothing back from XXXX with respect to these notices. Apple Card/GS not providing full disclosure is preventing me from accessing the special financing plan, and this is a violation of the Truth in Lending/FCBA.

When I engage with Goldman Sachs for Apple Card through messages or over the phone, they have no idea what a purchase transaction is ( even though this term is clearly defined in their customer agreement ), and they do not understand that this is the obligation that I mutually agreed upon with Apple Card/Goldman Sachs on how to pay so that it promotes the sale of goods for the GS business, and for commerce and trade. The have made the process impossibly difficult to allow me to perform a sale on approval and my contractual obligations of purchasing and returning the goods ( after adding the APR service fee ) for GS to use for trade. I am helping their business by helping to proceed the insolvency, and this has become a nightmare. I have spent countless hours on messaging and on the phone over the last XXXX  days or so ... my account was even locked for bankruptcy at XXXX point for almost XXXX weeks. Nobody can explain the process to me! 

XXXX XXXX agreement specifically states : " Non-conforming Payments We may reject any payments that do not comply with our payment instructions set forth in this Agreement or on your Monthly Statement ( each a " Non-conforming Payment '' ) in our discretion. If we accept a Non-conforming Payment, crediting your Account for the payment may be delayed and may result in additional interest billed to your Account.

We may accept any Non-conforming Payments, late payments, partial payments or payments with restrictive endorsements, without losing any of our rights, including our right to close your Account. We may deposit any payment you send us for less than the total outstanding balance of your Account that you mark " paid in full '' or with any similar language or otherwise seek to provide as full satisfaction of a disputed amount. If we do, this payment will not fully satisfy the disputed amount or otherwise affect our rights to payment in full. ''
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I am attaching the letters that should be sent to all XXXX credit bureaus to correct the misinformation on my credit reports which is a violation of FCRA. The credit bureaus are reporting personal loans under mortgage it is not a mortgage loan. I know this because I see it on all my reports and lenders have told me so.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX requested an electronic download of transactions that I have requested and been provided for over XXXX  years. This data is no longer available. After spending over 4 1/2 hours on XX/XX/XXXX on the phone today with Navy Federal, and being hung up on. I was told the issue was my browser, my XXXX XXXX, what account I was signing into, etc. I We are unable to get access to our own personal banking electronic information. At the end of 4 1/2 hours I was told by the digital dept that it was a known error. I was told that I might be able to get my data in 3 to 5 business days. Unacceptable. This is negligence by NFCU. I understand, from the member service contact XXXX, who was very helpful, that her lead, and the supervisor refused to provide any information to draft a letter to the CEO of Navy Federal credit Union. I do not have the name of the lead, nor the supervisor, because NFCU refused to provide that information. I requested a response to multiple messages for the CEOs name and address to draft a letter. NFCU continues to refuse the information request. NFCU continues to provide access to my digital data.
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (GA)

A company Bull City Financials is trying to collect a debt that was previously owned by another debt collector named XXXXXXXX XXXX XXXX Acct # XXXX. Back in XXXX I filed a complaint against XXXXXXXX XXXX XXXXXXXX and requested the credit bureaus do a thorough investigation into my file. This debt was removed from my file due to identity theft. Since XXXX XXXX XXXXXXXX could not collect this debt they sold it to Bull City Financial which is now reporting the exact same debt on my file. I disputed this with the credit agency and Bull City and both are lying saying that they have verified this debt but neither party has presented me with any documents showing where I entered into a relationship with this company. If you have claimed to verify my debt, respond to this request with a signed contract. Under the fair credit reporting act you are required to send me verifiable proof that this debt belongs to me. I am requesting a reinvestigation. If you can not furnish proof of a valid contract between myself and bull city you need to remove this from my file immediately.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NC)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX I ordered CR ( credit report ) from Experian ( as I have been doing since XXXX, ( I have this report from XXXX ) ), XX/XX/XXXX still not rec 'd. Experian asks every time if one has lived same address for two years, ( actually eight years now ). Called XXXX XXXX (??? ) on XXXX, person XXXX told me it takes sixteen " business '' days, ( never has before ). I asked her WHEN sent, she didn't know, asked WHERE it was sent, " to your address ''. Also, XX/XX/XXXX ordered CS ( credit score ), ( first time ) from XXXX. Rec 'd CS on XX/XX/XXXX, six days later. Still no Experian CR. I called every number I could find for Experian but could reach no real person except in XXXX XXXX (? ). Again called Experian, person XXXX very knowledgeable, compassionate, helpful. I did ask her, congenially, where the XXXX is my CR? Told me typo in my address, extra digit added in numerical portion address. Eventually, after checking further, she told me four letters incorrect in my street name, also. I am extremely protective of my info, I am extremely concerned, distraught, and scared now. When I hung up I called the US Postal Service where, I was told, the letter would have been returned to return address which I assume is XXXX XXXX  XXXX XXXX TX XXXX, same as my CS return address. So, why has not ANYONE from Experian who rec 'd my CR in Texas, nor anyone from Experian ANYWHERE contacted me? And further, where the XXXX is my credit report? Twenty-five days after I ordered same? Historically Experian has been the only CR worth applying for although I order from Equifax and Transunion also. I did ask XXXX yesterday, XX/XX/XXXX, to send me a report again. So to reiterate, where the XXXX is my original credit report? Why do I still think I can trust Experian with my personal and financial information?
Consumer complaint received 2021-04-28
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. (UT)

XXXX XXXX  XXXX is reporting 2 erroneous late notations on my credit file. I recently sold my house and this loan was paid in full. I ended up selling the home in XXXX. However, my title company said that wiring the money over would take 30 days. I told them that they needed to hurry the transaction as it was XXXX and it only has 28 days. My title company ended up transferring the money over XX/XX/XXXX, which in any other month would have been the XXXX. XXXX XXXX also charges a late fee if you pay anything past the 16th which is ridiculous so they added a late fee. This account had been completely settled and paid by XX/XX/XXXX but they reported me late for XXXX? This was not my fault, I was never late on this account prior. I need the late notations removed from my credit file because I was never late, my title company just XXXX me over.