davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

Collection was reported to my credit from Jefferson Capital without any communication or notices regarding the debt via mail or email or phone and I was not given any chance to verify, dispute or make my case against this debt prior to Jefferson Capital reporting to my credit. This account was verified to belong to someone else by XXXX, and closed afterwards. Jefferson Capital does not have my consent to acquire my personal information, communicate with me, or report to my credit report without verifying the debt. This debt was not acquired by me and it was initiated in state of Virginia in which I have never been to and therefore I am not responsible. I reside and have been in Florida since XXXX.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to you as a victim of identity theft regarding the recent reappearance of fraudulent accounts on my credit report. Despite the previous removal of these accounts due to fraud, they have been inexplicably reinstated without my consent or notification. 

Despite having provided evidence of fraud and securing the removal of these accounts previously, I recently discovered that they have been reinstated on my credit report without my authorization. This is not only a violation of my rights as a consumer but also a blatant disregard for the evidence of fraud that was previously acknowledged. 

I demand the immediate removal of these reinstated fraudulent accounts from my credit report. It is unacceptable that your company has replaced these accounts without my consent or even informing me of this action. This unauthorized reinstatement not only damages my financial reputation but also undermines the efforts made to rectify this situation. 

I urge you to take immediate action to rectify this matter and ensure that these fraudulent accounts are promptly removed from my credit report. Your cooperation in this matter is essential to restoring my financial integrity and protecting my rights as a consumer. 

I expect to receive a written confirmation of the removal of these reinstated fraudulent accounts from my credit report.
Consumer complaint received 2021-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

On Monday, XXXX XXXX. Someone logged into my Venmo Account. Added a Credit card and sent themselves 3 transfers of XXXX each and one for XXXX for a total of {$9900.00}. 

On the same day XXXX XXXX. I called Venmo and there is no live person available. I started a ticket online and chatted online several times. They said they would escalate the issue to the correct department. If they only would have been able to respond they could have reversed the charges since it went to a credit card. On the chat they told me they would get back to me in 5-7 days.
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is to complain against the BOA. 
I wish to practice my right as a customer of BOA to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with BOA. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to BOA respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analyzing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognize that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of BOA to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. 
During the complaints process with BOA, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients. 
General Obligation : Commencing on or about XXXX XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX - XXXX which involved me making deposits for a total amount of XXXX, XXXX USD from my BOA account to fraudulent investment firm ( s ).
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (GA)

LexisNexis refuses to update my consumer report to reflect accurate information my name is XXXX XXXX any other name or variation is incorrect and considered identity theft and my address is XXXX XXXX XXXX XXXX Ga XXXX any other address is incorrect and should be immediately removed because it does not belong to me. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tower Loan of Mississippi, Inc. (AL)

Upon reviewing my Credit Report I have a charged off account from TOWER LOAN OF MS that is in accurately reporting to my consumer credit profile. Upon calling TOWER LOAN to inquire about the reason why the charged off account was reporting differently I was aggressively berated, called stupid, told I need to go back to school and called a thief. When I simply just wanted to know Why it is reporting differently on my Credit profile. 

I have no idea how they obtained my information I only recieved a check in the mail meaning a company I never heard of ran my credit without my knowledge and made me an offer violating USC 1681 ( q ) My XXXX credit report has payments issued in XXXX, XXXX, and XXXX, of 2023 My XXXX Report has no payments made My XXXX Report has no evidence of this debt upon disputing this pursuant to 15 usc 1681i I requested this be removed from my consumer report and was berated for it when I informed the agent for Tower Loan that the IRS considers charge offs income so it looks like they are trying to get paid twice for the same account, I was called stupid and a thief again. 

This debt is a clear violation of the Fair Credit Reporting Act, and the Truth in Lending Act, as well as the Fair Debt Collection Practices Act because TOWER LOAN Issued a court summons in 2023 and then charged off the debt in an attempt to be paid twice for the same debt they received income for according to the IRS Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2021-01-20
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. (FL)

Please investigate and delete disputed account XXXX XXXX XXXX # XXXX due to the following inaccuracies highlighted in the attached copy : 1. Last payment date of XX/XX/XXXX doesnt match Date Closed XX/XX/XXXX. Why would the alleged last payment be made 6 months after alleged close date? 
2. The is no payment history reported prior to XX/XX/XXXX which makes it impossible to verify the accuracy the estimated date that the item will be removed.
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC (TN)

I have received a debt collection letter from Aldo 's and Associates. I have investigated this matter and realize this is not my debt. I then contacted the i.r.s and gave them notice of this account. it is a health and fitness account. I submitted documentation to the i.r.s and they cancelled out the debt. I have sent XXXX and this is XXXX first letter to stop collections and remove negative item from credit report or face a fine and audit. This is to be removed immediately and collection of this debt must stop. I have included a copy of the cancellation from the i.r.s and your company has failed to abide by the law.
Consumer complaint received 2024-05-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NJ)

I left an apartment with proper notice due to a domestic issue with my XXXX XXXX. 
The apartment complex allowed me to leave in XX/XX/XXXX. My XXXX XXXX stayed until XX/XX/XXXX. 
The collection agency refuses to follow up with their client. They request emails to a no reply email so they can say you didn't respond and place on your credit. Which XXXX, genesis collections did. 
They have since hung up, placed my nee husband on hold for well over XXXX minutes. They have told us we're going to let them finish talking and yet don't ever let us finish talking without interruption. 
They have hundreds of complaints on the BBB for their tactics. 
They continue to ignore the request for them to read the lease that is invalid from the beginning or reach out to the client to confirm I was removed from the lease. The other 2 people on the lease are responsible. Yet, they're not being harassed and bullied like the company is doing to me.

Getting out of a domestic violence situation is not a joke, clearly this company feels like bullying me will get the debt paid but I will seek legal damages if this continues. 
This needs to be removed from my credit immediately. Instead of attempting to have us jump through hoops, they need to speak to the property manager. All that takes is a call. 
Their employees XXXX and XXXX wanted to argue or get payment, they could care less about doing the right thing. Please help
Consumer complaint received 2024-05-06
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 (CA)

On Saturday XX/XX/2024 I received an email that my account was put under review for making sales in a month that exceeded a threshhold of {$390.00}. On the same day I received another email stating that my account had been deactivated. I made several calls after that in attempt to get my account resolved and reactivated as well as getting my funds released. As a new small business that amount of money is not something small. I need at least my funds to be released as all orders have been shipped out as promised. I attached my most recent shipping labels as proof that they have been shipped. My account is under my XXXX last name as I am going through a divorce. It is under XXXX as my last name.
Consumer complaint received 2024-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TN)

I applied for the borrowers defense loan forgiveness plan on XXXX on XX/XX/2023. The application states that after 180 days if your application is still pending, no further interest will accrue on your loan until a decision is made ( XXXX XXXX, section XXXX of the application. ) It has been 290 days since my application and Nelnet is still charging me interest, more than 100 days past the last day they are supposed to. When XXXX was contacted about this, i received the following email of them directing it to Nelnet services on XX/XX/XXXX : Dear XXXX, Thank you for contacting the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

This email is to notify you XXXX has assigned your case to Nelnet Loan Servicing ( Nelnet ) for resolution. You will be notified once we have reviewed your request. 

Sincerely, XXXX XXXX. 
Nelnet Loan Servicing However I have not been contacted or notified about my situation in over XXXX months, while Nelnet illegally is charging me interest on my loan. This has been forwarded along according to the XXXX XXXX to Nelnet yet they seem to either be ignoring this, or have completely missed it. I have now paid hundreds of dollars in interest that should never have accrued due to their negligence and incompetent work ethic.
Consumer complaint received 2024-04-06
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: EQUIFAX, INC. (OH)

I have been going back and forth with this company for almost a year with disputing information that was not mine. I have provided so much info for them and they keep telling me it has to stay on my credit report. It's messing up my future. 

Here is a list of the accounts I have disputed multiple times. 

XXXXl XXXX - Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX - Account # XXXX
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NC)

I BEEN HAVING ISSUES WITH AMERICAN EXPRESS, THEY DONT WANT TO ACT IN HONOR WHILE CONDUCTING CONSUMER BUSINESS. I SENT IN CERT MAIL AND EMAIL THE POWER OF ATTORNEY FOR THE AMERICAN EXPRESS CARD ACCOUNT. I REQUESTED THE 4 NUMBER CODE. I HAVE NOT GOT ANY HELP BUT PASSED AROUND ON THE PHONE FOR 2 HOURS. ATTACHED 2 DIFFERNT FORMS NEED THE 4 DIGIT CODE
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion shows a hard credit inquiry from XXXXXXXX  XXXX  in XXXX. I did not apply for credit. Transunion does not allow disputing of hard inquiries. I called the number from XXXX XXXX and they said theyd remove it but it hasn't corrected.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion is unwilling to lift the freeze on my credit report. This is causing me undue stress, and financial damages. Causing elevated XXXX XXXX ( XXXX ) due to an unavoidable error. 
I answered questions accurately yet TransUnion is not lifting my report.
Consumer complaint received 2024-05-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (MS)

Zion debt holdings at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX phone number XXXX contacted my wife some security account that my father in law opened up under XXXX. We have nothing to do with that account or debt that my father in law ( XXXX XXXX ) may owe. We never authorized any account or signed anything that allowed us to incur any kind of debt or account for my father in law.
Consumer complaint received 2024-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (AZ)

Escrow decreased by {$3000.00} in 2023. The mortgage company is using the escrow of the monthly old hazard insurance company {$880.00} versus the escrow of the new monthly hazard insurance company {$650.00}, therefore increasing the monthly mortgage payment incorrectly and not counting the payments that have been made and cleared account, because they say that the payment is not enough, which the payment that they are speaking of is incorrect, {$3000.00} vs {$2800.00} $ XXXX {$850.00} is {$230.00} which is incorrect. 
I have contacted this company for the last year ongoing to prove this information and they keep giving me wrong information. My checks are being held and not cleared my account due to their error. 
I just found out today they have put house in foreclosure over wrong information.
Consumer complaint received 2024-04-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (LA)

I was informed by mail that my mortgage company paid a bill that had a correct account number and bill amount but incorrect company name to a company for my flood insurance. I reached out mid XX/XX/2024 to try to understand why this company was paid and not my actual flood insurance company. My mortgage company stated that since they just started servicing my loan from an old lender that they were deleting my flood insurance line from my escrow account because my property is not required to have flood insurance but this was never informed to me in any shape or form. I would have made arrangements to add it back to the policy or pay it myself. I asked why they paid for a flood insurance policy that they just stated was deleted from my account and why they also chose to send it to the wrong company. They stated that it was under the category of just a regular home insurance when they already paid thousands to my actual home insurance company, so why pay XXXX? My mortgage company also could not provide proof to myself or to my insurance broker that I signed off on this payment to this specific company or that this company was even mentioned to my mortgage company by my insurance broker through some type of communication. They stated theres no way for me to send proof because of the way it was sent. Now there is an amount of my escrow paid out to a company that I have to wait for a returned check to the mortgage company and then I have to wait for that check to be sent to me and then I have to send it to my real flood insurance company. It will definitely be late and fees will occur or they will cancel it. The representative of the mortgage company on the phone would not admit fault or responsibility for any inconveniences in the near future from this. This was a matter that I spent a total of 2+ hours on the phone with my mortgage company only for them to tell me to be patient and wait for the check.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Delete hard inquiries In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 604 a section 602A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer reporting containing any of the following items instructions any other adverse item of information other than record of convictions of crimes whish antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( a ) ( 5 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Deleted the account below : 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 2021-01-20
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: EQUIFAX, INC. (FL)

I am disputing XXXX account # XXXX due to the fact that it is being reported inaccurately : as highlighted in the attached, the last OK status is reported as XX/XX/XXXX which doesnt tie into the date closed reported as XX/XX/XXXX. 
Please investigate and delete this inaccurate disputed account
Consumer complaint received 2024-03-18
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. (AL)

I LOOKED AT MY REPORT ON XX/XX/2024 AND NOTICED SOME THINGS ARE STILL INCOMPLETE AND NOT ACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHO THE REPORT RELATES. [ XXXX XXXX XXXX XXXX, ACCOUNT # XXXX. IS NOT COMPLETED AND NOT ACCURATE. OPEN DATE IS NOT REPORTING ACCURATE BECAUSE I DIDNT OPEN ACCOUNT, WHO OPEN ACCOUNT IS NOT ACCURATE, AND REPORTING ADDRESS IS NOT CORRECT. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX