davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX BANKRUPTCY Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION (OH)

I purchased a vehicle from a dealership ( XXXX XXXX Auto Mall outside XXXX Ohio ) at the end of XXXX. They sent a payoff check to Toyota financial services in the amount of XXXX. The first check they sent ( XXXX ), XXXX stated they didnt receive and requested the dealership stop payment and send a new one. So they did. The second check ( XXXX ) was cashed on XX/XX/XXXX. I have a photo copy of the cashed check, both front and back to show where it was endorsed, as well as the bank statement from the dealership showing it cleared their account. The dealership stated the check is part of an 8.5x11 piece of paper where the check is perforated and the customers name and account number are in the bottom half of the page. I started receiving late notices in early XXXX and contacted XXXX to tell them the check had been sent. They stated the check they attempted to cash ( XXXX ) had insufficient funds. Which is impossible because as I mentioned, I have proof it was cashed and cleared the bank. For 6 weeks now XXXX has been denying receiving payment. In turn, this has now hit my credit report as a delinquent account as well as my fathers as he was a co-signer. I was told on XX/XX/XXXX day by a customer service rep named XXXX that they had in fact found the check and determined that they cashed it but didnt know whose account to apply it to. So instead of calling the dealership to confirm what account this payment should have been applied to, they cashed it, took the money and went on with her day. I have now been waiting a week and a half for it to be applied to my account and for it to be settled. I will then have to dispute this with creditors and HOPE my credit can recover. XXXX has been incredibly unhelpful during this process and I personally think this is borderline fraud. They are taking money for themselves and not applying it to accounts appropriately. They should have DENIED the check if it didnt have proper touting/account information on it.
Consumer complaint received 2021-01-21
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: UMPQUA HOLDINGS CORPORATION (CA)

I stared my mortgage forbearance payments on XXXX, i tried reaching out to my mortgage company to resume payments, which ever i wasnt able to this was on early XXXX, as I seen the interest rate drop i had a refinance team look in to my mortgage account and said i was able to refinance, all processed 1 week before closing my refinance my mortgage decided to take me off the payment forbearance plan and report to my loan as 180 days late, that dropped my credit score over 160 points, my refinance team advance me to try and work with my mortgage company which i did and their reasons for all this is that they tried getting contact me and where not able to, i asked if tha could work with me and removed me from being delinquent but they are not willing to work with me, i even asked if i pay the amount you reported me late which is XXXX something and the representative said there was no way i would have to pay the whole amount of XXXX. I dont understand why are they being so difficult, i have until the end of this month if im not able to get my mortgage loan to remove or work with me on this issue i wont be able to refinance nor pay my past due.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-04
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: Lewis, McDonnell & Associates (TX)

I have a collections account reported on my credit report that should not be. According to the statute of limitations in the State of Texas, creditors can not report an account if the account is older than 4yrs. This particular account in the amount of {$1400.00} was closed back in XXXX  and the creditor is just now try reporting. Creditors has the right to contact me directly to resolve, but they do not have to right to report on my credit report if account is older than 4yrs. old.
Consumer complaint received 2021-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, XXXX  and Trans Union desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX
Consumer complaint received 2022-07-25
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. (VA)

In accordance with the Fair Credit Reporting act, Family Support Division account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (TX)

American Express LIED TO ME They told me that they would help during this pandemic and out and out lied. 

They helped for 1 month, just one then started reporting and charging the XXXX out of me for everything they could. 
Constant harassment non stop. Bad reports on mu credit report. over balance missed payments and other XXXX THEY LIED TO ME JUST ABOUT TO GET IS ALL STRAIGHT GUT AFTER THEIR CONSTANT HARASSMENT IM NOT TALKING TO THE XXXX  ON THE PHONE. 

Want to close account and pay it out but they are being XXXX. Yet again. 

THEY LIED TO ME AND TOLD ME THEY WOULD HELP BUT THEN TURNED INTO A PAWN SHOP. 

This needs to stop and there needs to be a correction filed on myk credit over their LIES, Tried over and over to get them to email me since I've been XXXX  and my XXXX XXXX
Consumer complaint received 2020-07-08
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX {$2600.00} XXXX XXXX {$650.00} USDEPED XXXX {$37000.00} XXXX XXXX {$24000.00} XXXX  XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$920.00} XXXX  XXXX {$1700.00}
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/2022 RE : XXXX To whom it may concern, I, XXXX XXXX, never gave Any Consumer reporting agency verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the utilization on all my revolving accounts. Under 15 U.S. Code 1681a 2 ii excluded from a consumer report are any transactions between the consumer and company ( 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 ; Please send an updated report when this issue is resolved Sincerely XXXX XXXX Please remove unauthorized inquires below XXXXXXXX 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 2021-04-10
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: Colony Brands, Inc. (AZ)

Colony/Midnight XXXX  XXXX  ( XXXX XXXX XXXX XXXX, WI XXXX ) opened an account in my name for someone who fraudulently obtained my information on XX/XX/2015. Account charged off. {$990.00} written off. {$240.00} past due as of XXXX XXXX was never aware of this company before seeing derogatory information from them in my credit report. I have disputed this multiple times with XXXX  with no results. If this is my account I want to know what was ordered, and where it was shipped as it appears this card is specifically for online shopping stores.
Consumer complaint received 2020-06-06
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. (CA)

XXXX XXXX XXXX XXXX XX/XX/2019 IS REPORTING A 30 DAY LATE PAYMENT. 

EXPERIAN FAIL TO VALIDATE THE 30 DAY LATE PAYMENT
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (GA)

I opened an account with Venmo in late XXXXearly XXXX. I used it for several months to transfer funds to/from other individuals. In XXXX, XXXX, a friend transferred {$85.00} to this account. When I tried to retrieve it, I got a message saying that they suspected fraud on my account, and I needed to send them some identifying information ( driver 's license and account statement proving my name is one of the owners ), which I did within 2-3 days. On XX/XX/XXXX, I received an email from them ( subject : Your Final Venmo Statement ) stating that since I had recently canceled my Venmo account, they were attaching my final statement. ( See email and its attachment to this complaint. ) I had not recently canceled my account and in fact, had been trying multiple times to reach them without any success. Over the past eight months I have called their customer service phone line at least 5-6 times and left messages, but got no response. I have also sent them at least 10 emails but no response. If I am interpreting this 'final statement ' correctly, they have transferred my {$85.00} to their Venmo corporate account. This is my money and it should be transferred to me.
Consumer complaint received 2023-02-01
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 (PA)

I was unexpectedly and permanently blocked from my PayPal account with no explanation and I have not been able to receive help from customer service, despite their best efforts. I answered all the necessary requests that the PayPal team asked for and still they do not provide me with help and have abruptly shut down my account. I am aware of how important it is to have time-sensitive account reviews in order to keep PayPal a safe platform for both consumers and merchants. I have always stayed true to the company 's policies and user agreements, just like I did when I signed up for the account. My account was only temporary restricted, but I have not violated any user agreements or done anything that could lead to the permanent restriction. I would like to ask PayPal to reopen their investigation of this issue and help me restore access to my account. My PayPal account is connected to the email XXXX.
Consumer complaint received 2022-07-28
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. (IL)

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

Selene Finance Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Selene Finance has received a complete package, including the buyers Drivers License to clear the OFAC requirement. They have even submitted the package to their investor for review. Yet, they are refusing to postpone the auction. 

**************This is dual tracking, and it has been determined that this is a violation of Regulation X. XXXX has already been fined for this exact behavior. See highlighted section on page 2 of the attached CFPB release dated XX/XX/2020. 

******The precedent has been set that refusing to postpone a foreclosure auction while being in receipt of a complete package is a violation of Regulation X. Therefore I want the foreclosure date to be postponed so that the investor may have time to review the package submitted to them by Selene. 

-- -- -- -- -- -Additionally, we have not been allowed to speak to a human being at this company. We are forced to leave a voicemail, and have not gotten return calls from Selene. This is a violation of the SPOC guidelines and servicing guidelines set forth by the CFPB and the State of California. 


-- -Also attached is my Third Party Authorization Letter.
Consumer complaint received 2021-09-07
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. (PA)

In light of my new understanding of consumer laws, I've discovered that the credit bureau 's are in violation of the law when it comes to my consumer report. They are in violation of the following US Codes : 15 U.S. Code 1681 ( 2 ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 ( 2 ) ( iii ) : communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1666 ( b ) ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( I've requested on multiple occasions for documentary evidence ) 15 U.S. Code 6802 ( b ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( I was never given the option to Opt-Out )
Consumer complaint received 2021-01-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (UT)

I received an update on my credit report that I had a derogatory account, the company named was Commonwealth Financial. There was a phone number and so I called to speak to an advisor, he said that my phone number was not linked to the account, the representative a XXXX XXXX, then took my my DOB, he then said it was a debt from XXXX, I asked him several times if his company had tried to contact me prior to the derogatory charge being put on my account, he initially hung up, I called back, he proceeded to call me by a different first name till I corrected him, I asked for a copy of the recording and he refused, he finally admitted that the company had not sent any letter or attempted to contact me prior to putting the derogatory charge upon my account. He said a letter would be sent today and I would receive it within 5 days. The outstanding debt was with my travel insurance company and o have sent this information to them in XXXX  and have heard nothing until todayXX/XX/XXXX, I have a few concerns, one can they place a derogatory charge without any attempt to contact me, is this practice legal??