davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (IN)

Experian reported an inaccurate inquiry from XXXX XXXX on my consumer file. This information was inaccurate and deleted by Experian. 
I have attached my Experian report 1 copy showing the inaccuracy reporting and the other copy were Experian has admitted to this inaccuracy and has deleted from my file. I have suffered financial damages, emotional distress, and my reputation has been damaged because of you reporting this inaccuracy. 
Pursuant to the FCRA 1681o - Civil liability for negligent compliance I am seeking compensation for my actual damages in the amount of {$3000.00}
Consumer complaint received 2021-05-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (MD)

Date : XX/XX/2021 XXXX XXXX XXXX as an agent for Freedom Mortgage Freedom Mortgage XXXX XXXX Emailing XXXX XXXX via a public internet provider ( XXXX XXXX in an attachment without encryption or other protection ( clear text attachment ) of the date identified below : Sending email unencrypted through a public network may be equivalent to publishing the information. Sending non-public information in an unencrypted email is therefore publishing non-public information. 
Confidential and non-public information included : Account number Social Security Number Date of Birth Name Address XXXX XXXX XXXX XXXX account numbers ( 2 accounts ) XXXX XXXX XXXX account number XXXX XXXX XXXX  account number VA loan number This is in violation of : Federal Trade Commission Reporting Act ( FCRA ) Gramm-Leach-Bliley Act ( GLBA ) Fair Credit Reporting Act FTC document Protecting Personal Information A Guide to Business This demonstrates as lack of an adequate : Security Program Vulnerability Assessment / Risk Assessment /Security Plan / Mitigation Plan Security Measures tested Employee Training Electronic Controls / System Controls Plan for Responding to Security Incidents
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (FL)

On XX/XX/2021 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently received a copy of my ( Experian, XXXX or XXXX ) consumer report, and I noticed some Transactions posted on my consumer report that is excluded my federal laws to my consumer reports! : XXXX XXXX XXXX account XXXX XXXX Reporting this late payment from XXXX XXXX XXXX is in violation of the FCRA and XXXX Compliance and XXXX violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XXXX and XX/XX/year> you reported transactions from to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of XXXX compliance! 
Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. 
I demand the transactions reported on XXXX and XX/XX/year> be Deleted from my consumer reports effective immediately. 
Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I need the above transactions deleted from my consumer reports!
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I was involved in a rental scam. I asked to send money for the rental agreement via XXXX got the key moved in only to have to move out the next day. The day I moved in and found out I had been scammed I got a police report and notified my bank. My bank says that I willing sent the money which is true, but I willingly sent the money thinking I had a place to live. Now I am homeless.
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Upgrade, Inc. (WA)

On XX/XX/XXXX, I got an offer from Upgrade saying I was pre approved for a {$3500.00} credit limit. I applied as I am building credit and need a higher limit than I currently have on another card. I was approved, and they extended a limit of {$1000.00} and the rest would be unlocked after I submitted my two most recent paystubs. I did this that same day, XX/XX/XXXX. I did not hear a single thing from this company until XX/XX/XXXX when I got an adverse action notice saying my application was denied because they didnt receive my paystubs. They gave me a support email and phone number if I had any questions. I emailed on XX/XX/30 and someone emailed me back saying they cant help me and I have to call. Ive called 3 times now today XXXX with a 20 minute wait time each and every single time the agent puts me on hold to research my account and then hangs up on me. I cant get a straight answer. I feel like I was lied to about the credit limit and they had no intention of giving me the higher limit and I would not have opened the account for the lower limit. It wasnt worth it to do it and I feel like I was part of a bait and switch. The fact that I keep getting hung up on is concerning.
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I, XXXX XXXX XXXX, original creditor/consumer sent all three major credit reporting agencies Affidavits of Truth with simple demands. I gave each agency 21 days to fix the credit reports with my written instructions as shown in the attachments. I even attached copies of the law to each letter for each US code. I have only heard from one agency via mail and that agency ( XXXX  ) did not respect my demands. Im sure the other two agencies didn't respect my demands either as I didn't receive mail from them within the respected time frame. Find attached XXXX  letter with incorrect information and " dispute results ''
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to request a cease and desist order on shellpoint mortgage and Transunion, XXXX  and XXXX  for violations of the CARES ACT protections. 
XXXX XXXX  is my mortgage lender # XXXX I am in an active approved forbearance under the CARES ACT. 
Transunion, XXXX, and XXXX  credit agencies are reporting various balance increases on my XXXX XXXX, removing the items and re-entering different balance increases. 

Each of these entries results in an increase in my XXXX score and a change in my debt to income ratio. This behavior is a direct violation of the CARES ACT of XX/XX/2020. 

The result is my credit report says I am increasing an existing line of credit by {$12000.00} during a pandemic and while I am looking for employment. 

XXXX XX/XX/XXXXsuggested that I write a letter to the credit bureaus to correct the incorrect entries. 

The credit bureaus are non responsive and suggest I file an investigation which will allow XXXX XX/XX/XXXX30 days to remove any derogatory items from my report. XXXX responded that they are not making the entries. 

I am actively seeking work and my credit report is used as a reference to my character! 

This can not wait 30 days! 

I am asking for all credit bureaus to be forced to adhere to the CARES ACT provision of not reporting anything concerning a clients participation in the forbearance program. 

NOTE : They are not saying that I am 30 days or 60 days late they are saying that I am increasing my balance by the amount of the forberrance which has been input in the amounts of {$4200.00} and {$12000.00} which are substantial amounts of increases in a persons credit or debt and they are reducing my credit score as a result!

I am trying to gain suitable employment and these acts are irectly impacting my ability to do so. This is what Congress intended to avoid with the stipulation that no negative credit reporting will occur if I was approved for this program.
Consumer complaint received 2022-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (MI)

Debt is medical, initiated by my children 's mother for my son. I did not initiate or agree to this debt with the creditor. I carry health insurance for my children, so my name is associated with this debt for that reason alone. However, I made no agreement to the creditor for this debt.
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
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 (CA)

Columbia Debt Recovery is attempting to collect a debt owed by someone else. I lived at the apartment outside of the date ranges the debt is for and the documents they are providing as " proof '' are for different tenants that lived at the address during different timeframes. 
Simple information such as apartment number, move in/move out dates, employment history, Date of Birth, Name, signature, Phone number, email address, make/model of vehicles, emergency contact, ID numbers, and Social Security numbers all do not match up. 

I have a signed statement from the apartment complex 's Management Office with the dates I lived there as well as confirmation that my account balance due was {$0.00} when I moved out. The statement notes that " Please be informed that No Collection record filed by ... Apartments against her. '' The Move Out Statement shows the transactions on the account and balance being {$0.00} on Move Out. 

This malicious and fraudulent practice of putting together other tenants ' documentation to pin a debt on me has impacted my credit score by XXXX points. This situation is causing me great distress.
Consumer complaint received 2021-10-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC (PA)

The Credit Management Company has billed me for a past medical expense. It was an unfair and surprise expense, but since it was only {$20.00}, I just paid it instantly. Months later, I'm still receiving phone calls and voicemails every single day from them. One of their many numbers are XXXX ( XXXX ) XXXX.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (PA)

For the last two months or more we have received 4 different emails from PayPal from people who bought things at different stores. In order to resolve these issues I have called the stores one being XXXX  and the Other XXXX XXXX XXXX XXXX They have told me the charges were real and that my email address was not on their accounts. I even spoke to the store in Florida and we live in XXXX  and they knew the lady and assured us that is was a real charge and she didn't have my email address on the account it was something only PayPal could correct. Upon talking to PayPal they are refusing to address the issues and saying it is spam and I tried very hard to explain that it wasn't it is real. Each email was also sent to their XXXX so they know about them and are refusing to look in to the problem and try to resolve it. Peoples names and email addresses are on these and in my opinion PayPal is providing personal information which is against the Hippa law. All I am trying to do is have this fixed and stopped. I spoke in detail to XXXX XXXX XXXX  and they agree with me that it is real and should be looked into by PAYPAL. When I call PayPal gives me a difficult time and we argue on the phone or they refuse to talk to me. I have done more than half of the work talking to the stores and spending my time to fix a problem that is PayPal and they are refusing to do their part by sweeping it under the rug calling it spam. I could have cancelled these orders but the stores asked me not to as they felt the customer knows nothing about my email address and it is a PayPal mistake which PayPal refuses to do anything about. I am just the customer who is being treated like dirt and I am trying to correct their mistakes while they sit and refuse to do anything at all.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I recently disputed several items ( addresses and employers ) that are being reported on my Experian credit report as my personal information that are not accurate on XX/XX/2021. After the investigation, the results of this dispute remain inaccurate. Under FCRA, My personal information being reported by all credit bureaus should be accurate. I have lived at XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX since XX/XX/XXXX. Therefore, any other addresses being reported on my credit profile that I do not reside at are invalid.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On or about XXXX XXXX, XXXX XXXX XXXX incorrectly reported my credit card account to Experian as being charged-off. This apparently happened to hundreds of thousands of XXXX XXXX customers at the same time. 

XXXX XXXX services claims that this error was corrected a few days later but it has caused lasting damage that can not be cured under their mandatory arbitration clause that requires XXXX  of dollars in filing fees. 

As a result of this incorrect report, hundreds of thousands of their customers had substantial credit line decreases on other bank credit cards held resulting in higher utilization rates on those cards and lower credit scores. 

The damage XXXX XXXX XXXX has done is enormous and a short apology by their representatives is not enough. They need to be held accountable by the CFPB and other agencies the US government including the bank regulators.
Consumer complaint received 2020-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MD)

I had XXXX XXXX package with Internet, Phone, and Cable/ TV. The XXXX workers went on strike during the period when my services went out. I made several calls to XXXX and they kept promising to send the technicians out to repair the problem. After failing to repair the problem over a two month period, I cancelled the service and obtained new services from another provider. 

I disputed the charges with XXXX ; however, they reported the bill to a collection agency.
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

There is an old Capital One account being reported on my credit report. They Claim I made a payment on XX/XX/XXXX of 2017, I have no recollection of this debt or making any payments on that specified date. I called to get as much information as I can about this debt and I found out this debt has reached its statute of limitations. However, the credit bureaus have done a really poor job investigating this account and getting back to me. The company reporting this debt is XXXX XXXX, they're reporting this debt to XXXX  and XXXX.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

PennymacUSA has an option on their website for a payoff demand. I was curious so I decided to click on it. There wasnt a disclosure indicating a fee would be charged. If there was, I would not have continued. I called and explained this and they refused to remove the fee and said they are not required to disclose any fee charges. In my opinion, all fee charges should be disclosed. The fee appeared on my monthly statement but does not appear on their website.
Consumer complaint received 2024-11-21
Product: Credit 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 (PA)

I bought a XXXXXXXX XXXX XXXX game in XXXX with the Amazon Synchrony store credit card for around {$30.00}. The game did not work after a few days and I returned the game to XXXX XXXX with photo proof for my records. Amazon promised a refund upon delivery and they said the item was delivered. They were supposed to issue a refund since I bought a replacement game for my XXXX XXXX XXXX XXXX birthday but Amazon never did. Instead, Amazon decided to lie to me telling me they never received the game. On the same day, via phone, of Amazon being very dismissive and hanging up on me claiming I never returned the item despite proof and times dated and stamped on the poly bag in the XXXXXXXX XXXX XXXX, I called synchrony to dispute this item since it was retuned. Synchrony at first was very helpful and has documented everything I have told you here regarding the dispute and what happened and how I never received credit upon receipt of returned goods. Yesterday, I reached out regarding the status of the case as I still have not seen any credit on my account despite also submitting the required proof necessary to speed up the process almost or over a month ago. They kept giving me the runaround and told me there is no dispute open. I asked to be transferred several times to no avail to a manager. This is the second time I have had to complain to the CFPB regarding this bank and its deceptive and unlawful behavior. Please help me with this as I have done all of what was required of me in good faith under the Fair Cried and Billing Act of XXXX I am only looking for a fair resolution. I am owed the credit and synchrony even sent me ample documentation regarding this. I have screenshots of all of what was asked of me and how I did what was asked. I will be seeking advice from counsel to possibly exercise my credit rights if necessary due to the behavior of this corrupt organization. Thank you for your time, XXXX XXXX
Consumer complaint received 2022-07-04
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. (NY)

It has been a battle going through this and I am submitting this complaint to delete the fraudulent items in my file that are reporting on Transunion Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the invalid name XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action
Consumer complaint received 2020-11-04
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. (MI)

I have tried several times to fix this inaccurate public record on my consumer report. My file has been mixed or merged with someone elses and the bureaus failed to properly investigate. They said they verified with XXXX XXXX, XXXX XXXX removed this fraudulent public record after an investigation ( I have attached proof ). I contacted the US Bankruptcy court they said they did not report any information concerning me to any of the bureaus ( I have attached proof ). Lastly I have filed a report with the CFPB about my situation with the merged file ( I have attached proof ). I will not stand for this blatant violation of my rights.