davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I WROTE AND NOTIFIED THE TRANSUNION AND I ALSO NOTIFIED THE JUNK DEBT BUYERS 15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( 3 ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( XXXX ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS IMMEDIATELY
Consumer complaint received 2020-11-28
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: EQUIFAX, INC. (TN)

Since 2010, I have battled the credit bureaus to remove or correct statutorily expired accounts, incorrect information, or to remove personal data that I do not want on my credit report. Routinely, these agencies have failed to consistently monitor and correct my report as is required by the Fair Credit Reporting Act. 

This complaint is a continuing attempt to hold the credit bureaus to the law. Not following the consumer protection laws, such as the FCRA, causes unnecessary hardships, and lost time on problems that these agencies are responsible to resolve as part of their mandate as consumer credit bureaus. 

Specifically, I have two complaints : 1. Student loans that have long since expired ( over six years old ), are still listed on my account ; and some of these loans, still show balances. None, are active or have balances. And, even if they did, if they're over six years old, should be removed from my credit report. 

2. Personal information that should not be shown on my credit report. Including : a. date of birth b, addresses c. phone number ( s ) The only personal information that should show on my credit report include : 1. my name 2. mailing address : XXXX XXXX XXXX, XXXX, TN XXXX. Or, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, TN XXXX. 

Hence, I am requesting the afore listed changes be made immediately.
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc. (PA)

On the date of XX/XX/2020 I sent out certified letter with return receipt to XXXX  XXXX XXXX XXXX at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and no response. I also sent out certified letter with return receipt to Experian on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX  : is still on my credit report with XXXX  deleted off the other two bureaus 2 ) XXXX XXXX ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX XXXX XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should be deleted 5 ) XXXX XXXX XXXX : still on my credit report should be deleted 6 )  XXXX XXXX : still on my credit report should be deleted. 

None of the credit bureaus or creditors/collections have proved me with proof of what was ask for in the letters that were sent. So, by law these item should be deleted if no proof was given.
Consumer complaint received 2022-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (WA)

Back in 2017 I had my identity stolen and they charged a Paypal account using my information. From the account, Paypal sent the debt to collections before even reaching out to me ( which I had no information or access to the account ) and ever since then, the collection agency will call multiple times a year and sent letters about the amount owed. I have contacted the agency to tell them my information was stolen and sent them online police reports and that I should be fine now but they are still trying to collect. I have checked my credit report and there is no such outstanding balance/debt on my record so I am unsure why they keep sending me letters. The agency is called XXXX XXXX, with reference # XXXX and this has been ongoing since 2017. If there was an actual outstanding balance, it should show on my credit report and affect my credit but I am not seeing anything.
Consumer complaint received 2022-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

In early XXXX, after the CoVid epidemic affected the economy I, being a XXXX XXXX  XXXX, experienced a drastic reduction in income allowing me to qualify for a forbearance period with my home loan through the servicing company as allowed by New York State. My forbearance period ended on XXXX XXXX, after approx 18 mths. during the time of the forbearance, the mortgagor changed servicing companies several times. 
In XX/XX/XXXX, I sent a monthly mortgage payment to the servicing company ( XXXX XXXX XXXX ), the check was cashed. Since then, my checks for my mortgage payments for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX have been returned. The reason stated is that I'm in default because I owe all the money accrued during the forbearance period to be paid in full. 
I have requested that the money owed be placed at the end of my mortgage ; I have filed loan modification paperwork with both XXXX XXXXd the new servicing company Rushmore LM, and have recently be notified that I've been denied any modification. The loan servicing company is also notifying the credit agencies of my default. My income is presently increasing each month, with this XXXX being rather successful and surpassing the last prior months. 
How can I, after being on a forbearance period for 18 mths, having a reduction of income due to mandated shut downs of businesses and the job industry, be able to pay approx. 
{$60000.00} in accrued debt? I would like to be able to resume mortgage payments, and have my existing mortgage reinstated, extended if necessary to accommodate the $ owed.
Consumer complaint received 2020-09-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I transferred funds from my savings to checking before XXXX. This morning, I get up and see an overdraft fee and was told by customer service that its because I have to transfer before eastern time. In other words, their time. I was told previously to transfer before XXXX XXXX  now they changed it up. That is something new. I have banked with them for years. They did not reverse the fee. They wanted to use one of my {$37.00} that I am entitled to when its their fault.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MA)

In XXXX of 2021, Wells Fargo bankXXXX XXXX  was negligent by carelessly allowing and approved a checking account to a fraudster ( s ) under my name and other inaccurate government issued identification by accepting and approving the criminal ( s ) application without confirming positive Identification. 
The bank also approved and opened the checking account without the required XXXX dollar opening deposit.The fraudster ( s ) made a successful fraudulent change of my legal home street address to the bank that was reported to the banks fraud dept. however Wells Fargo bank continued to keep the account open and continued to mail monthly bank statements to the fraudster ( s ) fraudulently changed street address for several months after I reported the crime to Wells Fargo Fraud dept. 
I continue to work with law enforcement agencies and take possible legal action against all parties involved if necessary. 
Wells Fargo bank was negligent and careless and I am determined to hold them and all others accountable who were allowed and successful in stealing my Identity and using it to defraud me.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NJ)

Hello, The collection agency National Credit System Inc., ( XXXX, GA, ) has refused to stop reporting to the credit bureaus or cease collections for a aged out debt from XX/XX/2015. Which they were misrepresenting as past due rent/eviction and after being confronted of illegally misrepresenting charges and the aged out collection. They changed their tune to collection for damages to the unit. Which is also misrepresented on this time barred aged out debt ( according to Nevada statue of limitations ) where nothing was reported as damages, but maintenance after a unit has been vacated, that's suppose to be the responsibility of the property at XXXX at XXXX XXXX. The unit was cleaned and there were no excessive damages reported that justify these charges. Only regular maintenance after the premises had been vacated. As you will notice the rental agreement wasn't renewed and their actions seem to be a hostile form of relatiation. After later, being made away of the pain and suffering caused from the community pool area. They received written notice, payment of rent and the keys were returned. I don't understand why they would continue to violate the laws and pursue on a non-contract agreement from 2015 unless this is intended to deliberately cause extensive hardship to myself, which it has. There actions has caused me extensive pain and suffering for almost eight years, I'd like it to stop. I've tried to reach out to management at XXXX at XXXX XXXX but nobody has returned my calls. I've tried to resolve this with the collection agency but they have been unprofessional and uncooperative to resolve something that they're aware is creating a great deal of hardship in my life and damaging my credit and living situation. 

I'm attaching a copy of the itemized charges that were vagly explained without any proof to support the charges of XXXX in question.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous account on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

My XXXX credit card was closed. When I called to speak with someone about my account being closed the representative read a letter that was sent stating the reason why the card was closed. The reasons listed were Iack of mortgage payment, an account in collections and amount owed on my credit cards were too high and there was a POSSIBILITY that I would be unable to pay. The one item that is on my credit report is a cable bill that I do not owe and will never pay for {$240.00}. I have 18 credit cards which most have a zero balance the few that dont are paid off every month and the remainder I pay more than the required payment. I have never been late paying XXXX and since the pandemic Ive been one of the more fortunate and I actually make more that what I did before COVID. I am a XXXX XXXX whos worked on the frontline of this pandemic the entire time and Ive went from making {$40.00} an hour to making {$120.00} an hour. I was told that I could reapply but I am currently in the process of purchasing a home and its not worth it to open a new line of credit. I just think they should have went about this a different way because now my credit score has dropped all because of a make believe POSSIBILITY!
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MI)

Roundpoint is reporting a 30-day late on mine and my wife 's credit report. This needs to be removed as I was coming out of bankruptcy at the time of my servicing transfer, and I was not contacted regarding being a payment in arrears following the bankruptcy release. I contacted my previous servicer and trustee ; all payments were accounted for, but the loan was due for XX/XX/22. During the RESPA period with Roundpoint, I was never contacted or advised that a payment was needed. I have made all payments according to the plan and kept in communication throughout the bankruptcy, and I should not be responsible for the lack of communication from the new servicer. Since the transfer I have made all monthly mortgage payments.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XX/XX/20 to CFPB Received a letter today, XX/XX/20, dated XX/XX/20 from Capital One! Says : IMPORTANT INFORMATION ABOUT YOUR ACCOUNT! Dear MY NAME : " Recently, during a regular account review, we noticed youve only been using a portion of your credit line. To better fit your card usage, weve reduced your credit limit to {$2000.00} dollars. I want to file a discrimination application against Capital One as they decreased my credit limit from {$8000.00} to {$2000.00} without my permission. There was no reason for them to do that.
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

I have an account with Synchrony ( the company behind Amazon Credit ) I make purchases every month ( Revolving Charges ) and  also have two 6-months same as cash promotional purchases. I pay off the revolving purchases in full each month and pay 1/6 of the promotional charges until they are paid in full. When I receive the bill, I am unable to determine the total of the Revolving Charge and the Promotional Purchases. I have called every month since XXXX to have someone explain my bill to me. I still do not understand the bill. 1. The balance on the promotional charges does not match my figures. 2. The balance on the revolving monthly charges should be clearly stated each month so that I can pay it in full and it is not. The bill is confusing and I am frustrated trying to figure out how much I need to pay each month to avoid interest fees and am tired of calling them each month for an explanation before I can pay the bill. 

I originally sent this complaint XXXX and received an email from XXXX XXXX asking me to call her. I called her on three consecutive business days, XXXX XXXX, and XXXX. I listened to a recording indicating that she was in the office but could not take the call, please leave a message. As of today, I have not heard back from her.
Consumer complaint received 2019-03-20
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. (NC)

XXXX transunion and XXXX  credit report XXXX. I had. Cc and I'd. Theft. Keep calling and they keep saying that Has been over 90 days
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Dispute for transaction dated XX/XX/XXXX ; dispute involving services from vendor for cleaning/maintenance of unique luxury leather products ( 3 ). Services were disputed with merchant without resolution. 
Payment for contracted services was made when items were phoned to be completed. Upon pickup, and inspection, some items ( 2 ) needed re-service, and was paid in full at that time. 
Upon pickup for re-service, inspection found additional damages made to the items. Only resolution offered were additional re-service, which was declined due to damage from previous re-service. Requested refund ; merchant denied. 

Timely filed a claim with credit card company XXXX XX/XX/XXXX XXXX used to pay for services. Credit card company " lost record '' of initial claim. New claim was created ( XX/XX/XXXX ). Dispute went back and forth for Months, with " dispute resolution denied '' supposedly due to incomplete information provided in untimely manner. ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
This 'late ' information describing the dispute in question was found by the dispute resolution team to have been timely, and the dispute went around again. This same instance of 'late presentation of dispute information ' occurred as error with the credit card company twice, delaying the ultimate resolution of the dispute, as processing takes up to 45 days. 
As of today XX/XX/XXXX, the credit card dispute resolution team states that they " can not verify the services in question '' although all information requested had been provided timely, and coupled with the delays in processing of the transaction being from XXXX, they ultimately denied the claim. 
In our opinion, we maintain that the credit card dispute resolution service that is a integral part of our credit card service, and our stated issues with goods and services purchased with our credit card which should be handled by said credit card dispute resolution team, thoroughly failed in their duty to uphold their promises to protect our interest in accepting services contracted for. 
Bank of America Mastercard Preferred Member
Consumer complaint received 2020-09-09
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 tried to obtain a credit report online, but I was unable to, so I contacted the Bureaus to request a free copy of my credit report, pursuant to the FCRA. I requested these copies on XX/XX/XXXX of 2020, and it is now XX/XX/XXXX, and I have yet to receive anything. I just resent another request, in the hopes of being able to obtain a credit report.
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NJ)

Hi today is XX/XX/2022 and I received a notice from my credit report stating I have a new open account. I called the company and explained to them that, that was not my account. I had no clue what it was about they explained to me and they asked for me to provide my information to pull up the account but they could only pull it up with my name. The social security number they had on file didnt even match my social security number. Now they said they will flag that account as it isnt mine. I asked if they can remove it they said they cant. I tried my best to see if they would be able to provide me with an email at least stating its incorrect and they said they cant. Im in the process of closing for my first home and this may really affect me now. I currently dont owe any debt to anyone so now this popped up on my credit report. My credit will be ran again the day before closing and this one huge mistake will make me lose the house Ive been working so hard on purchasing.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.