davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
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)

I the consumer sent Equifax a affidavit about items on my report without my permission. 

Title 15 1681a ( 2 ) ( b ) and 15 1681a ( 2 ) ( c ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer
Consumer complaint received 2021-05-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc (LA)

I entered a consumer credit transaction with the alledged original creditor that this third party debt collection is alleging I owe and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. as a result, TRANSFINANCIAL are now threatening me for an alleged debt that the purchased from the alledged original creditor. I never received a Material Disclosure of any of the information that was supposed to be provided to me. TRANSFINANCIAL has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Credit Management continues and has violated my rights via phone and mail under section 15 US 1692 under the Fair Debt Practices Act. I have enclosed an invoice in the amount of {$19000.00} to be paid via check for 19 violations. I have included my affidavit of truth along with the exhibits that highlights these violations. I also have sent this affivdavit of truth along with invoice via certified mail to Midland Credit Management. This has caused me mental and physical distress.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (GA)

I went through the eviction process at XXXX at XXXX XXXX because I didn't want to continue to live in an apartment with stair damage. I feared for my life going up and down stairs that were not sturdy. I signed a rental guarantee policy at the time of move in that would pay any rental arrears at eviction, skipping up to XXXX and any damages up to XXXX. This policy was a condition of move in and would pay regardless of how long you stayed at the complex. The policy was paid at move in and was not a recurring charge. I advised National Credit Systems of this policy and that the complex has been paid for any amount owed when they sold this account to National Credit. It is not collectible and I will also be seeking attorney representation to dispute this as well. Nothing is owed to XXXX at XXXX XXXX and they know it. National Credit Systems knows this as well and they continue to fraudulently list this uncollectible account on my credit report. I need to have this account removed immediately.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX day while shopping at XXXX an employee at the customer service area approached me about a credit card XXXX & XXXX, I applied for the credit it card while waiting in line and was approved. I only shopped with the paper credit card I was issued by XXXX meanwhile credit card arrived. I never received an actual credit card ever. I paid the shopping spree at XXXX that day, plus more as I was receiving harassing phone calls from XXXX stating that I was late, had late charges so I paid the full shopping spree, plus an additional amount of what XXXX stated I was late for a credit card I still have never received nor ever had in my possession. Twice I received mail from XXXX stating that they sent the credit card to my address and that it had been returned which I never knew until receiving XXXX 's letters that XXXX attempted to send me a credit card twice and they were returned. I told that XXXX rep my situation, my PO Box address was my primary residence but it was under repair from fire damage so I was staying at another address temporarily until fixed, the primary residence a PO Box , my current/temporary address is an actual physical address. The amount that XXXX is charging me was not an amount of purchased items as I paid my one time shop spree with XXXX 's temporary paper slip, so my question is why is XXXX stating I owe over {$400.00} when I paid my debt in full plus extra to stop the harassing calls. Why is XXXX continuing to charge me for late fees, annual fees for a credit card I never received, nor ever had in my possession and informed them that I did not want if they tried to sent to me twice and they were returned so therefore I did not need or want? When I called XXXX to pay my one time shop debt I informed them I did not want the credit card anymore and that is when I found out that XXXX attempted to send a credit card to me twice and was returned by mail but I do not know why they were returned nor they could tell me why.
Consumer complaint received 2022-06-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022 I received an alert from XXXX that someone placed an inquiry on my XXXX  report with Bank of America. I didnt apply for anything as I bank with XXXX 

On XX/XX/2022 I received an alert on XXXX  that someone placed an inquiry on my XXXX report with XXXX ( XXXX ). I didnt not apply for any credit with this company. I called XXXX I spoke with customer service and they asked for my name, they placed me on hold to review they advised me that they were unable to locate an account and were unable to remove the inquiry to contact XXXX. I Called XXXX and reported the problem. They advised me that they would send them letter requesting that they look into this issue further. They provided me with a case number as XXXX. Please help me with these two issues. Feel free to contact me via email. 

Thank you
Consumer complaint received 2023-03-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

During the week of XXXX XXXX of 2023, I spoke with all 3 credit bureaus about this matter along with the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX I ask the my transactions along with my experiences be removed from the following accounts per 15 US code 1681a paragraph 2 A. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-10
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. (NV)

THE ACCOUNT DISPUTED ARE DISCHARGED ACCOUNT THAT HAS BEEN SETTLED IN COURT. THE DEBTOR HAS NO RIGHT AND AUTHORIZATION TO REPORT ON MY CREDIT FILE AND TO COLLECT ANY DEBT THAT HAS BEEN DISCHARGED. I AM NO LONGER RELIABLE TO THESE ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL ON THE REPORTING CREDIT BUREAUS, EXPERIAN AND XXXX.
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MS)

Account statement shows an opened date of XX/XX/XXXX with a date of last payment showing XX/XX/XXXX. This account is too old to be on my credit report and it is reflecting that this account was re-aged to XX/XX/XXXX which is illegal.
Consumer complaint received 2021-10-19
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. (NY)

This is not a dispute request but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT HEARD ANYTHING from the bureaus in 90 days regarding my dispute and I have sent two dispute letters requesting an investigation to the following accounts : XXXX  XXXX  Account Number : XXXX, XXXX Account Number : XXXX,
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Account statement shows an opened date of XX/XX/XXXX with a date of last payment showing XX/XX/XXXX. This account is too old to be on my credit report and it is reflecting that this account was re-aged to XX/XX/XXXX which is illegal.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Synovus Bank (MI)

This company refuses to update an account that has been paid. They continue to report that theres a {$200.00} balance on the account, when in fact there is not a balance on the account. It was paid in full. The account was also closed against my will.
Consumer complaint received 2021-05-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

There are five steps to submit your complaint : Step 1 : What is this complaint about? 

Ocwen serviced my loan and now PHH Mortgage is. 10 years ago we did a loan modification and now we are trying to refinance and we can't because there is a second lien on the home. According to the loan modification, there should not be a second lien because we did a loan modification. We have never been charged on this lien and I looked on FDIC and the bank doesn't even exist for that lien. This is the XXXX  XXXXXXXX XXXX Florida, XXXX XXXX. 

Step 2 : What type of problem are you having? 

We can't refinance our home because there is a mysterious lien on our home. 

Step 3 : What happened? 

We did a loan modification with Ocwen over 10 years ago and now we are trying to refinance the home and we can't. I have tried several times since XX/XX/2020 to ask the bank to help me figure this out although they never have an answer for me and they keep on sending me to " escalation '' in which they don't even help me. 

Step 4 : What company is this complaint about? 

Ocwen, although they are now called PHH Mortgage Bank. 


Step 5 : Who are you submitting this complaint for?
Consumer complaint received 2023-03-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Universal Account Servicing, LLC (TX)

This is a case where XXXX XXXX and UAS are trying to profit from a contract that the legality of it is being challenge in court, at this moment it is working its way through the court system. On XXXX XXXX, 2023 I received an e-mail from XXXXXXXX XXXX  that my loan was being transfered to UAS, Universal Accounting Service XXXX XXXX XXXX, XXXX, MD XXXX, ( XXXX ) XXXX. I have made several calls to XXXX XXXX, the first lender asking about the interest free clause in the contract, the balance of the loan and the XXXX XXXXXXXX XXXX payment due. I was told the interest free clause would remain in effect, the loan balance was XXXX XXXX and XXXX dollars and XXXX XXXX cents. However on the payment that was due on XXXX, XXXX XXXXXXXX XXXX told me if I made that payment to XXXX XXXX and by the time they process the payment and sent it to UAS it would be late and I would accumulate a late fee, they told me to call them and ask about the payment and if the due date would remain the same. I called Universal Accounting Service several time but they never answered the phone and after several rings the call would disconnect. On XXXX XXXX XXXX  I called UAS and a representative named XXXX answered and informed me that they had no information on the account. On XXXX XXXX, XXXX  I was finally able to get information on the account and to my surprise my balance was {$18000.00} with a payment of {$880.00}. The first lender claims that they only transferred {$16000.00} to Universal Accounting Service. Universal Accounting Service claim that the transfer was actually {$18000.00}. I have been unable to resolve this matter with UAS and it is useless to continue discussing this matter with them.
Consumer complaint received 2023-04-16
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2021-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have inquiries on my credit report that are inaccurate. I have 4 XXXX items that are incorrect and should be removed immediately XXXX, XXXX, XXXX and XXXX. Also, XXXX XXXX XXXX and XXXX XXXX are incorrect. Ive reach out to your customer service department, they did not help me to remove the negative inquiries reporting to my credit report.
Consumer complaint received 2021-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are multiple Accounts on my credit report that do not belong to me I have not opened these accounts I have not signed or approved these accounts. I have tried to reach out to the bureaus as well as the furnishers but they are not helping me they are not opening an identity theft report for these accounts I need help to get these unknown accounts off my credit report it is affecting me personally and emotionally. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX INQUIRY Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Reason : I don't recognize this inquiry
Consumer complaint received 2021-05-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation (OH)

This company loaned me money through a title loan that was originally XXXX I ended up asking for another loan of like XXXX or so. For some reason they show I have refinanced this loan like 3 times and I have never asked for them to refinance it. I haven't seen any additional money besides the original and 2nd transaction. After 3 years they are only showing a paid amount of like XXXX and I pay XXXX there is seriously something not right here. The company is trying to get over on me.
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-05-20
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. (OH)

NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern This complaint is being sent to the bureaus due to an unsigned letter of debt and several listed errors on my credit file.Please be advised that the items below are disputed and validation and proof of claim of the disputed debt are requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation that may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 

This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that a re-investigation with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, please advise all debt account companies shall cease all verbal communication. No phone calls to me or my job. 
Due to this fact ; if any negative mark is found on any of the credit reports by these companies or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud XXXX Please provide verification or delete these items : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX, # XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-04-08
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)

The FCRA states that it is EXPERIAN 's duty to report correct and accurate information on my credit report and file. However, they are not. EXPERIAN is reporting inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. These inaccurate late payments include 150 days delinquent on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, according to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give EXPERIAN written instruction/ permission to furnish these late payments on my report or file, violating XXXX XXXX XXXX 1681b ( a ) ( 2 ). It is CRYSTAL clear that EXPERIAN has violated my federally protected consumer rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paypal Holdings, Inc (GA)

I have attempted to contact PayPal for years. Yet they only respond on email claiming they have called yet has never called. 



I had a seller account on XXXX which is operating payments through PayPal. 

On XX/XX/XXXX the buyer in the document included purchased an XXXX XXXX from me. 
Item was shipped and received perfectly fine. Even though purchase had a no refund and no return policy. The buyer waited 3 weeks to them advise phone screen is freezing. Beyond his knowledge the phone is brand new, being that I had lost mine prior to my contract ending and had to be sent a new one. Paypal ruled the case in the buyers favor and approved him to return the device. Which I have still not received my phone back. The customer stole my phone and sent me back a phone screen glass. In dispute I immediately contacted paypal and advised of the issue. Then they advised I had till a certain date to get police report. Even though the date hadnt passed paypal went against what was advised an closed case early and refunded client even though I have included pictures of what was returned to me. 


I would like to proceed with all necessary to be refunded for my phone as well as compensation for this inconvenience, stress and all the incorrect info being reported to the credit bureaus. Not only they did not protect me as a seller. They also helped a person steal from me. I will Include all the documents PayPal also received for this matter
Consumer complaint received 2023-01-05
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. (CO)

I sent Transunion 2 certified letters One in XX/XX/ 2022 the second in XX/XX/ 2022 to remove outdated information on my credit report on 6 accounts that have been closed and paid in full. They are reporting information that is over 6 years old. They have not responded nor have they removed this outdated information.

Ive included both letters I sent to them as well as a copy of ALL SIX accounts credit report with information highlighted that needs to be removed.

This information is seriously effecting my credit report and is an FCRA VIOLATION. Not to mention they have failed to even respond or investigate these items.