davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
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: SYNCHRONY FINANCIAL (LA)

Synchrony Bank did an inquiry on my credit in XX/XX/2019 for Sams and I have never had anything with Sams. I got an alert the day it happen and called Synchrony they cancel the card and told me they was sending a letter to the bureaus to have the inquiry removed. Well the other 2 removed it but XXXX did not I just found this out when I was checking my credit getting ready to get a car. I contacted Synchrony and now they are telling me they have nothing on me in their system and cant give me a letter to give to XXXX XXXX  keep saying they need something from them to remove the inquiry but everybody is giving me the run around. I cant get the letter if they want give me one XXXX told me today I need a police report to get it removed I have never heard a bunch of mess like this an tired of it can you all please help
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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. 

I told Transunion to reinvestigate these accounts : 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation (TN)

We, the consumers, XXXX and XXXX XXXX, received a letter from The XXXX XXXX XXXX  dated XX/XX/2021, stating that we owe Heights Finance Corporation a total of {$1700.00}. We responded on XX/XX/2021 with a validation letter to The XXXX XXXX XXXX which there was no response. We also mailed a debt validation to Heights Finance asking for the original contract, original creditor, as well as all things listed as Exhibit D part 2. Heights Finance responded with a contract that was not affiliated with them, and did not respond to other request that was asked to be presented in Exhiibt D part 2. The contract that Heights Finance mailed to us did not have a signature from Heights Finance. What I did see on the contract about Heights Finance is on Exhibit B, where it states '' This contract may be assigned to HEIGHTS FINANCE CORPORATION ( " Heights '' ). On a letter dated XX/XX/2021 from XXXX XXXX XXXX Exhibit C ), Ms. XXXX states that HEIGHTS FINANCE is the original creditor ( but no signature on contract ). Ms. XXXX also states that, " the provisions of the Fair Debt Collection Practices Act do not apply to us, however to the extent practical and as a reasonable business practice, we attempt to adhere to its provisions. '' The letter from Ms. XXXX XXXX ( Exhibit C ) also states they are not a third party debt collector nor an assignee. Per USC 1692e TITLE 15- This is false and misleading. Per said contract, Exhibit B. We, XXXX XXXX and XXXX XXXX, have also mailed an Affidavit of Truth to HEIGHTS FINANCE, dated XX/XX/2021, ( Exhibit E )
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (CA)

Hello! 

I've been with PayPal since 2003. On XX/XX/XXXX my attempts to transfer money to my bank account were declined, then on XX/XX/XXXX I received an email that my business was not " active '' and that I could no longer use PayPal " due to potential risk ''. Now PayPal is holding my entire balance of {$10000.00} USD for 180 days and has permanently banned me from using their service. 

I've tried to contact PayPal online and by phone and the only explanation they offer is " We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services. '' I double checked my account activity and it is all normal. 

PayPal is an important service to me and my company and I want to continue using it to process payments. Of course I also want access to my money. 

Thank you!
Consumer complaint received 2023-10-28
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Auto Trakk, LLC (PA)

I purchase a car so I thought I was financing a car and It turn out to be a lease. I have a buyer agreement paper work. price for the vehicle was {$15000.00}. I give a down payment of {$1000.00} which made a balance {$14000.00}. My payment per week was {$98.00} weekly tax was {$10.00} I dont knw wht percentage this company used because on the state PA sale/used tax is 8 %. which made the total {$100.00}. In XXXX the car was a total lost and the company is telling me I have a {$500.00} deductible tht I need to pay. I have been questioning this from the day they told me. this was not in the document this was sent from the Auto trakk. On my car it's showing that I own the car company and that's not true. the insurance company paid the car and what wasn't covered was paid from gap insurance. I paid {$16000.00} over the 3 years and 2mo. the company looked up the blue book value of the car and it was {$10000.00} ... and I had the insurance pay {$10000.00} after I already paid {$16000.00} when the agreement that was signed state the balance of the car is {$14000.00} after the {$1000.00}. The car was XXXX XXXX XXXXXXXX XXXX XXXX. I asked the Auto Track to email the balance that was due at the time of the total lost. the company said that its the amount is stated on the paper work and its not stated no where in the document I have. my credit report is not correct.
Consumer complaint received 2022-06-03
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (CA)

Halstead Financial apparently obtained a debt that was discharged due to identity theft. This has, as they note in the most recent text they sent me ( see below ) been resolved. Nevertheless, they have called and texted me daily -- usually before XXXX for a week now and it needs to stop. 

This is their most recent text : This text is from Halsted Financial, a debt collector regarding your XXXX XXXX XXXX assignee of XXXX account. Visit hfs.halstedfinancial.com/? XXXX & s=AeICB. Reply stop to opt-out or call XXXX. # of messages varies & data rates XXXX apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. The law limits how long you can be sued on a debt. Because of the age of your debt, XXXX XXXX, XXXX will not sue you for it, and XXXX XXXX, XXXX will not report it to any credit reporting agency. Reply STOP to opt out
Consumer complaint received 2023-03-19
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. (CA)

According to FCRA the list of accounts pertaining below have violated my federal protected consumer rights ( privacy and confidentiality ) under 15 USVC1681. 

XXXX XXXX XXXX COLLECTION/CHARGEOFF Other {$3300.00} Account number XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Auto Loans {$3400.00} Account number XXXX Right to privacy 15 U.S.C 1681 SECTION 602 A Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 SECTION 504 SECT 2 15 U.S.C 1681C ( A ) ( 5 ) section STATES : NO CONSUMER REPORTING AGNECY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY F THE FOLLOWING OF INFORMATION any other adverse item of information, other than records of conviction of crimes which antedate the report more than seven year Lastly, 15 USC 1681S-2 ( a ) ( 1 ) s PERSON may not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NV)

XXXX ( XXXX ) XXXX Called from multiple numbers including unknown numbers back to back and told me they can call up to 8x in a day using 8 different numbers. This is harassment and deceptive using unknown and multiple numbers to trick the debtor. I cant get ahead with them
Consumer complaint received 2022-11-30
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: Atlanticus Services Corporation (TX)

On XX/XX/22 the company stated they would have their trade line deleted from all consumer reports, however that has not occurred. Instead the CRAs are stating the account has been verified. How is the account being verified when the company failed to provide me with validation of the inaccurate reporting? Ive asked to be sent line by line itemization of how and when my credit limit increased from {$350.00} to over {$1000.00} and have not been sent anything. The company states they are not able to provide any assistance to this account because its not in their possession.
Consumer complaint received 2021-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc. (PA)

I received an initial letter from a debt collector dated XX/XX/2021 with no verification of a legitimate debt owed. I made numerous phone calls to the company requesting verification but that information was never received. A letter dated XX/XX/2021 indicated as a formal demand listed hardship options being offered to settle this matter so I chose one of them and called the company and made a payment to settle the debt in full on XX/XX/2021. This payment was made via an XXXX card and the payment posted on XX/XX/2021. At the time I made the payment I requested a settlement in full letter be sent to me via email and was told I should receive it within 3 business days. I called the company on XX/XX/2021 regarding settlement in full letter and was told it would take 7 business days. When I called on XX/XX/2021 I was again told it would take 7 business days. On XX/XX/2021 I was then told it would take 7 to 10 business days to get the settlement in full email. When I called at XXXX ET on XX/XX/2021 ( the 10th business day ) I spoke with a supervisor who assured me she would request her manager send the email and I should receive it within a few hours today. After not receiving the requested settlement in full email by XXXX ET on XX/XX/2021, the representative I spoke with during the second call said the manager was gone for the day but I should receive the email by XX/XX/2021.
Consumer complaint received 2022-10-12
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: Experian Information Solutions Inc. (NJ)

I want theses account deleted : XXXXXXXX XXXX acct # XXXXXXXX XXXX XXXX Acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX  Acct # XXXX XXXX, XXXX and Experian was requested to complete an investigation and ensure accuracy of my consumer report. The following accounts per the 3 credit reporting agencies came back verified as accurate. As of XX/XX/XXXX I checked my consumer report and found over 47 inaccuracies concerning these accounts. If all 3 CRAs did an investigation by contacting the same creditor why is it I have 41 inconsistences on my consumer report? I want these items deleted. I am supposed to be protected my the consumer laws : 15 USC1681i ( 5 ) A ) ( i ), FCRA 607b-accuracy of report, 15 USC 1681s-2 ( 8 ) ( E ) ( D ) ( iv ). Please see my consumer report and view all of the inaccurate information that is listed. For XXXX bank XXXX is reporting a 30 day late payment for XX/XX/XXXX and XXXX and Experian are reporting a 30 day late payment XX/XX/XXXX. XXXX is a closed account however XXXX is reporting an account status as open and XXXX and Experian is reporting it closed. XXXX XXXX is a closed account however XXXX is reporting an account status as open and XXXX and Experian is reporting it closed. XXXX XXXX XXXX and Experian is reporting a high balance of {$1800.00} and XXXX is reporting nothing, Balanced owed XXXX and XXXX is reporting {$1300.00} and Experian is reporting {$1400.00}. 

I want these items deleted from my consumer report immediately.
Consumer complaint received 2023-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-12-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

The company simply sent a copy of my Note, Trust and Security Deed and some of their accounting documents which does not show Servicer Transfer Notices ( RESPA Compliance ). It also appears that based on the amount of my mortgage after 21 years, the servicer has been unjustly enriched at my expense. I also requested a transaction history from prior servicers and have not received those records either.
Consumer complaint received 2023-08-31
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. (NC)

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 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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

the credit bureaus XXXX and transunion failed to conduct proper investigation on a collecection and and accounts they didint validate the debt according to the law. 
di not provided me with a copy of ANY documentation to the original creditor, not verification from a third-party database.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.
Consumer complaint received 2024-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OR)

I see on my recent bill a {$1.00} for a Paper Statement Fee. Now this is totally ridiculous with the interest charged on the card to begin with. Another way to increase profits? I thought airlines are bad with fees. I see XXXX is jumping on the same bandwagon to increase profits with these ridiculous " Fees ''
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am feeling really ignored of my disputes from the bureaus I mailed out my letters certified on XXXX to this date XXXX it has been over 60 days I know I have yet to receive anything back stating they investigated the misleading unverified information that is on my credit profile. I just need this information looked into updated and/or removed. Thank you for prompt responses to my issues.
Consumer complaint received 2022-11-06
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. (GA)

There are several credit accounts open on my report that I did not authorize including a loan that is now in collections or default. My identity was compromised and I have filed a police report, reached out to the companies and the credit bureaus and still nothing has been done. I am a single parent and these derogatory remarks are keeping me and my daughter from getting a home. These acounts include two 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. There has also been attempts to get new credit and there are hard inquiries on my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are unknown address on my reports as well as name misspellings that need fixing.
Consumer complaint received 2022-10-18
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. (NY)

XXXX XXXX XXXX - {$730.00} Date opened XX/XX/2020 In accordance with the Fair Credit Reporting Act my rights have been violated as a consumer Pursuant to USC 15 1681a ( 1 ) Congress makes it clear that the banking system is dependent on accurate and fair consumer file reporting. My file is in fact not accurate nor fair. Without consulting with me first, your company received false information from alleged creditors and debt collectors and furnished my consumer report before confirming if such information is valid. This is indeed unfair credit reporting. 
It is the purpose of the subchapter USC! 5 1681 ( a ) ( b ) that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit in which a manor that is fair and equitable to the consumer. This information is not relevant, fair, or accurate and was improperly used. There were no reasonable procedures meet I wasnt even contacted about this manner.