davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
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: Experian Information Solutions Inc. (FL)

This complaint comes forth and I write this note to address an issue that leaves me in total confusion towards the actions of your Experian. I received a dispute response from them stating that I did not send supporting documents to my dispute of Identity Theft, yet not only did I send this information via certified mail on XX/XX/2021, I sent the same and an update of my FTC Affidavit on XX/XX/2021 via the CFPB direct portal, despite my initial appeal directly to them and my follow-up from this federal mitigating agency they continue to re-victimize and make this situation haunt my personal life.
Consumer complaint received 2021-01-31
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: I.C. System, Inc. (TX)

A 10-year old XXXX XXXX debt was removed from my credit report over a year ago. All of a sudden I get an alert saying it is added back on a year and a half later by IC Systems and the dates of open and close they reported are extremely misleading ( saying opened 2020 ). This would allow them to continue to attempt collections and report the debt for another 7-10years. Ive already disputed the item but this is a Violation of the Fair Credit Reporting Act as well as Fair Debt Collection Practices. This is highly unethical and lawless. I dont know what the statute of limitations is on things like this but I am considering hiring counsel. I have worked hard to clean my credit up. This could also constitute defamation of character since negative remarks such as this look as though I havent already been cleared of this. Especially when it continuously goes away only to pop back up again over a year later. 

They state it was open XX/XX/2020 and owed {$1300.00}.
Consumer complaint received 2019-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

PayPal keeps allowing people to scam me using their service and when you report it they take the side of the seller no matter what so they keep fees. 

A seller named XXXX XXXX sold a diamond ring through XXXX then changed the details on the cad after payment. When I canceled ordered and filed dispute for refund thru PayPal he claimed he closed his PayPal account and was not refunding me. At which point the seller ships a blank envelope to my address and PayPal considers my purchase of {$1200.00} on a diamond ring their decision to refund even though the seller has scammed me.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (FL)

We have exerted all efforts from our end to make the short sale process as fluid and stress-free for you as we can, but we are not getting a timely response from your lender. We have already reached out to the executive office but have not had much of an effect. 

The file was transferred to Fay servicing on XX/XX/XXXX. We have an ongoing short sale application with XXXX  before this file was transferred to them. We were advised that they received the file on XX/XX/XXXX. The file was tagged complete on XX/XX/XXXX and XXXX was done on XX/XX/XXXX with the AS-IS value of $ XXXX.We were informed that ETA for review is 30 days from XX/XX/XXXX. We made frequent phone calls and emails to the POC and as well as to his manager to monitor the file. We escalated the issue multiple times since it is already past the 30 days time frame they provided. We are not getting any progress nor response from the assigned processor although multiple emails and callbacks were requested. It was only on XX/XX/XXXX that we received a response that our offer is too low and they are countering for {$260000.00} offer. 

The buyer agreed on the counter and the new offer was sent on XX/XX/XXXX for review. The same process, we did frequent follow up to check the progress but we are only getting answers like " still under review by the investor, only the processor can answer to that ''. It was only on XX/XX/XXXX, after numerous attempts that I have been able to spoke to the POC that we find out that the investor is asking for {$260000.00} as net and not as a gross offer. 
For the last time, the buyer agreed on their counter provided that we can get the approval and close this month. We submitted the new offer on XX/XX/XXXX with the {$260000.00} net that the investor is requesting and until now we don't have any update from the lender nor the POC if they already submitted the new offer to the investor for review. 

The agent we spoke to yesterday informed me that he is not seeing any notes on the account if the file was submitted to the investor for review and it's not even showing that there is a new offer. We sent numerous emails and callbackrequests but we have not heard yet from the processor nor from his manager. 

Any help you can offer regarding this matter is greatly appreciated. It's now more than a year and we have not received any decision.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have been trying to dispute multiple accounts reporting inaccurately on my credit report. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MA)

I have tried cancelling a " membership '' with Experian that has been charging me {$21.00} a month since I filed a complaint with cfpb on XX/XX/2018. I have called and cancelled multiple times. I have attempted to talk to a representative but am always turned away. I have reported the membership to my credit card company as a fraudulent one since they will not let me cancel.

I have tried to cancel upwards of 50 times. They provide no help and no easy way to cancel online. Every time I call they say " are you sure you would like to cancel your " free '' membership '' to which I say yes. However, nothing about my membership is free because they continue to charge me.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-08-23
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. (PA)

XXXX XXXX XXXX has placed a false inquiry on my credit report that I did not initiate nor authorize I have reached out to them to this view on numerous occasions with no response. They are violating my rights and harming me
Consumer complaint received 2024-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am writing to formally address Bank of America 's role in the mishandling of my late father, XXXXXXXX XXXX XXXX XXXX XXXX mortgage following his passing in XX/XX/XXXX. As the Personal Representative of his estate and a successor in interest to his property at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, alongside my mother, XXXX XXXX XXXX, I have faced substantial and unjust obstacles imposed by both Bank of America and XXXXXXXX XXXX XXXX 
Despite complying with all legal requirements to assume the mortgage, both institutions have systematically obstructed our efforts to safeguard this property. Specifically, in XX/XX/XXXX, Bank of America approved me for a loan modification trial plan, which I complied with by making all required payments from XXXX to XX/XX/XXXX. However, without proper notification, as mandated by the Truth in Lending Act ( TILA ) and the Real Estate Settlement Procedures Act ( RESPA ), Bank of America transferred the loan to XXXXXXXX XXXX XXXXXXXX. This transfer was followed by an erroneous claim from Bank of America that no payments had been made since XX/XX/XXXX, despite their acceptance of all my trial payments. 

This misleading information directly led to XXXXXXXX XXXX XXXX  issuing a Notice of Intent to Foreclose in XX/XX/XXXX, falsely alleging non-payment. Compounding these issues, XXXX has repeatedly refused to acknowledge my status as a successor in interest, despite being provided with sufficient documentation on numerous occasions. Attempts to make additional payments were also blocked, with XXXX citing the incomplete loan transfer as the reason. 
These events have had severe implications, including agents sent to the property and ongoing foreclosure threats from XXXX legal counsel, despite their stated commitment to pause collection activities for investigation purposes. 

I have reason to believe that XXXX bias may underlie these issues. XXXX homeowners like myself have historically faced disproportionate challenges in securing their rights as successors in interest, as evidenced by data showing higher foreclosure rates and greater difficulty obtaining loan modifications compared to white homeowners. This discriminatory pattern seems apparent in my case, where both institutions have refused to honor my valid loan modification and recognize my legal standing. 

Furthermore, the significant difference between my homes market value, which is nearly three times the mortgage balance, suggests financial motivations behind these aggressive foreclosure actions. Both Bank of America and XXXX XXXX XXXXXXXX appear to be acting in their financial interests at the expense of my legal rights and compliance. 

I am actively filing a Motion to Stay Foreclosure in the XXXX XXXX of XXXX XXXX to allow for a comprehensive investigation. I call on the CFPB to rigorously investigate these actions, uphold my rights as a successor in interest, and halt this unjust foreclosure process.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-05-04
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/XXXX, the COVID-19 outbreak was characterized as a pandemic. This is the first pandemic known to be caused by the emergence of a new coronavirus. I have called Synchrony Bank XXXX. XXXX  XXXX XXXX, XXXX ROOMS TO GO / SYNCHRONY BANK XXXX. Just to fill you in. My account was never late. When I opened this account in XX/XX/XXXX. My line of credit was {$6500.00}. Since this pandemic hit the world I like millions of others have been out of work. On XX/XX/XXXX Synchrony bank has lowered my credit utilization ratio to Now on XX/XX/XXXX {$2700.00}. When I called bank she said I am sorry about you losing your job but would you like to pay your balance due? Nobody seem to be human anymore are they reading from a script? I will continue to pay my bill even if my kids don't have food. But Synchrony Bank will have their payment. Not, once did the representative said can differ your monthly payments for a couple months.
Consumer complaint received 2022-05-26
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. (GA)

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 2023-03-29
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. (SC)

I have several deregatory accounts that are reporting to my credit report inaccurately. I have sent XXXX, Equifax, and XXXX several dispute letters in an attempt to make them either update the account to reflect correctly or remove the account completely. They have failed to update the accounts after several investigations. I have closed accounts that still show a balance, I have accounts that are reporting different account numbers across all 3 credit bureaus. These are all in violation of the FCRA. The listed accounts below need to be updated promptly or removed from my credit file immediately. 

I HAVE ATTACHED SCREEN SHOTS OF THE BELOW LISTED ACCOUNTS REPORTING INACCURATE AND INCOMPLETE INFORMATION WHICH ARE UNDERLINED. THESE ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT FILE.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

On XX/XX/XXXX, I contacted Nissan Loss Recovery Department and spoke with a representative by the name of XXXX XXXX, regarding the reporting of inaccurate information by Nissan Motor Acceptance Corporation, to the three major credit bureaus ( XXXX, XXXX, XXXX ). I purchased a XXXX XXXX XXXX ( Vin # XXXX ) on XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX, Virginia. I voluntarily surrendered the vehicle on XX/XX/XXXX and possession was taken on XX/XX/XXXX from my place of residence at XXXX XXXX Court, XXXX, Virginia. Because I was protected by law through a Chapter XXXX Bankruptcy ( Case # XXXX ) with the U.S. Bankruptcy Court Eastern District of Virginia, that was discharged under 11 U.S.C. 727 on XX/XX/XXXX, I was NOT personally liable for any remaining balance due after the sale of the vehicle. I was advised by XXXX XXXX that prior to XX/XX/XXXX, the information that Nissan had previously reported ( Account included in Discharged Chapter XXXX Bankruptcy/Paid as Agreed/Closed/XXXX Balance was indeed accurate. However, after viewing my credit reports on that same day, the account status was reporting inaccurately as Open/Current/Balance of {$10000.00}. XXXX XXXX then informed me that because XXXX had received a Cancellation of Warranty payment in the amount of {$700.00} on XX/XX/XXXX from the XXXX XXXX Dealership, they reopened/reaged my previous account and reported those inaccuracies.
Consumer complaint received 2020-05-04
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. (LA)

XXXX XXXX  XXXX XXXX has and is reporting inaccurate information on reports from XXXX, XXXX, and experian. They are reporting inaccurate dates of last payment, inaccurate amounts of charge off, and inaccurate payment history. According to FCRA 623aB, a company if they choose to report to the bureaus must provide accurate information or they must remove the account because of inaccuracies. This company is in violation of the law. Attached are the highlights of the inaccuracies reported from XXXX XXXX  XXXX XXXX to the 3 bureaus.
Consumer complaint received 2021-05-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Receivables Management Partners, LLC (LA)

My wife receive a call from unidentified male, claiming to be a " Officer of the Court '' and " Needed to verify my address to send a process server. '' She hand the phone to me I challenged him and requested he provide his name and the name of the company he worked for. He didn't answered. He then stated " Someone has filed a complaint againt me '' I again challenged him He again refused to ID himself, but stated he was in the employ of RMP. I explained since he has lied repeatedly, I was more than willing to accept being served and meeting his complaint in front of a Judge. Then he hung up. I have received a letter from RMP XXXX XXXX XXXX XXXX XXXX Tx. It states I owe XXXX hospital bill to XXXX XXXX. XXXX. I was in the hospital refused multible attempts to have a XXXX XXXX preform unnecessary surgeries on me. Todate the ER Phy service have refund me for over payment, the Radiology as well. I disputed the hospital bill in witting with a register letter at least 60 days ago. To date I have not received a response on the erroneous charges I was presented with.
Consumer complaint received 2020-07-08
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NJ)

I am a victim of unfair credit reporting and deceptive practices. I have made several attempts to resolve the matter. XX/XX/2020 I filed a dispute with XXXX XXXX Credit Bureau stating that I was not the owner of the closed credit card on my credit report. I requested to see a contract agreement with my signature along with any monthly statements sent to me. XXXX XXXX is the only credit bureau reporting on this alleged credit card account and they indicated the account is closed. XX/XX/2020, Wells Fargo reported to the credit bureau that the limit on the close account had been lowered {$73.00}. As a result of the report from Wells Fargo, XXXX XXXX credit bureau lowered my credit score XXXX  points. I have disputed the ownership of this account because the credit card in question that I held with Wells Fargo was a {$1000.00} SECURED Credit Card and no such amount was charged to this card. Also the credit bureau investigation failed to resolve anything. There was no evidence surrendered to suggest that I owned the account..
Consumer complaint received 2021-01-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (NV)

I was affected by the global pandemic COVID-19. My insurance company contacted XXXX XXXX XXXX  in XXXX of 2020 because I was XXXX, and the hospital greatly inflated the charges, billing for services that I did not have and were not necessary. The Hospital agreed to write off the charges under the Cares FUND for COVID-19. The balance was to be written off. The company sent me a charity application XXXX XXXX, 2020. I completed the application and submitted it back to the company by mail 2 weeks later. XXXX XXXX XXXX did not process my charity application as previously agreed upon and forwarded my protected health information to a third party collection agency which is a HIPPA violation. I notified the company in writing the debt was not valid and advised them I did not give them authorization to sell my information to anyone. This correspondence was sent via certified mail. The hospital ignored my charity application and the letter sent to them by certified mail and forwarded my protected health information to a third party and they reported the balance to all 3 credit agencies and did not properly validate the debt pursuant with the Fair Credit Reporting Act I submitted a dispute with supporting documentation to XXXX, XXXX, and XXXX and they continue to allow this invalid debt to be reported
Consumer complaint received 2021-12-07
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. (NY)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.