davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
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. (NJ)

On XXXX XXXX I wrote to Experian regarding identity theft noticed on my credit files. It was sent certified mail return receipt requested on XX/XX/2020 with tracking XXXX. They responded that the account remained and verified as accurate. 
On XX/XX/2020, I responded back to Experian Certified mail return receipt, with tracking XXXX requesting a validating contract under Section 609 of the Fair Credit Reporting Act. They responded with no verification and only advising again it remained and was verified as accurate. 

On XX/XX/2020, a letter was written to XXXX XXXX XXXX NJ XXXX that requested validation of the account. No response. 

On XX/XX/2020, a second request was sent to Experian certified mail return receipt tracking XXXX requesting the contract again and it to be properly verified or deleted immediately and again it was verified as accurate and remained. 

Before I send my final request to both XXXX  and Experian, with a law suit attached I am asking that Experian permanently delete XXXX XXXX  account from my credit file as it is fraudulent and add a promotional suppression to my file.
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, my name is XXXX XXXX. I was reviewing my credit information and I found fraudulent activity on my report. Please open an investigation and remove these accounts from my credit report.
Consumer complaint received 2022-05-01
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: AMERICAN EXPRESS COMPANY (NY)

In accordance with the fair credit reporting act XXXX  account has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states 604 A section also states a consumer reporting agency can not furnish without my written Instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open card account under an open consumer credit plan as late for and purpose.
Consumer complaint received 2022-04-29
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: CLGF Holdco 1, LLC (NY)

In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions 15 use 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-12-02
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: CREDIT ACCEPTANCE CORPORATION (AL)

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 These inquires were made without my consent.
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (PA)

EXPERIAN FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Consumer complaint received 2024-12-02
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: Westlake Services, LLC (OH)

I called westlake ; paid for 3 months of the truck payment. After paying I was told I could go pick it up. When I got to the garage to pick up the truck I was informed it was transferred to Auctioned and auctioned off when I had ALREADY PAID 3 months worth of payments to get it back onto of the repossession and homing fee.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (NY)

XXXX hit me badly. I have underlying illnesses that made dealing with XXXX really hard and for that, I was out of work with no pay and didnt qualify for unemployment because technically, I wasnt unemployed, my employer took a long time to clear me to return to work after I tested positive for XXXX, even after I provided a negative test once I was well again. Under the CARES Act, creditors must make accommodations for people having trouble making payments. I realized a dip in my credit score and when I checked for why I realized I had a 30 day late payment from XXXX XXXX XXXX. I reached out to XXXX Bank  asking for some other type of payment arrangement with no luck from the representatives in which I was in communication with. As soon as I got back on track, I continued to make payments on time and scheduled automatic payments. I am still making on time payments. I am a human being. I have exceptional payment history when it comes to paying my bills on time and I have exceptional payment history when it comes to paying XXXX Bank but things did get hard for me and I couldnt work due to me being sick so I did fall back on payments but I am back to paying on time. I have read different situations where XXXX Bank did offer a Good-Will adjustment to most individuals and Im hoping that can happen for me. Im not negating the debt but I am stating that this was a one time thing for me. This is my only late payment and it is really ruining my life. I have attached 3 {$0.00} paystubs that I received from work. I didnt allow the account to go into collections. Im still making payments, Im just a human who had a hard time in a situation that was out of my control.
Consumer complaint received 2022-09-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

On XX/XX/2022, I was charged {$1800.00} by PennyMac for not paying my insurance premium in a timely manner. In XXXX XXXX, I was going through a refinance with XXXX XXXX, for a rate of XXXX. During the process is when I found out from the other lender that I did not have property insurance. Once I found out I was in an extreme hurry to find some insurance for my house since I did not have insurance from XX/XX/XXXX - XX/XX/XXXX. I could not find not one to cover me except Virginia XXXX XXXX XXXX. This is not good insurance but I accepted it because no one would cover me. Because of this one instance what has happened : 1. No one but the state would cover my home. 
2. PennyMac charged me {$1800.00} for property insurance when it was their responsibility to pay my property insurance. 

My escrow is {$180.00} a month, my property tax is {$5.00} a month + {$74.00} a month. When I called today she advised that {$100.00} went to shortage escrow. My escrow balance right now is $ XXXX {$180.00} because I made a payment today. 

$ XXXX XXXX {$2200.00} property insurance is {$880.00} + property tax is XXXX = {$890.00} There is no shortage, there is an overage. 
The amount of my escrow should be {$74.00}! 

I was never informed that my payment was going up.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

I was called by Columbia Debt Recovery LLC DBA Genesis ( P ) XXXX. I was informed that I was in debt collection for XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX from XXXX XXXX XXXX. Total debt including interest : {$14000.00}. 

I have never lived in Maryland, and this was a fraudulent account using my stolen driver 's licence and social security number.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

This complaint involves XXXX XXXX, a sneaker seller who was found to be a Ponzi scheme and is currently under FBI Investigation. 

All consumers who purchased from XXXX XXXX had to pay via PayPal. Once the merchant declared bankruptcy and was put into receivership, each of us had to file purchase protection claims with PayPal for non-delivery of goods. 

Although PayPal has a written policy of how they handle situations like this, they applied the policy haphazardly and selectively, which constitutes discrimination. 

I am part of a XXXX group of several thousand affected individuals which can provide ample testimony and photographic proof of these claims. 

Some people received refunds for charges made less than 180 days of their complaints, which are in accordance with PayPal XXXX XXXX policy. Others received refunds for purchases made greater than 180 days of their complaints, which is not consistent with PayPal policy. 

Many people, including myself, received a blanket decision denying our refunds, even though they were made in the specified time frame. Without any discussions with the affected individuals, PayPal decided to label everyone as a " reseller, '' which automatically denied their claims. As a member of the XXXX group, I have evidence of PayPal allowing refunds to actual resellers, while denying refunds to people after accusing and incorrectly labeling them as resellers. 

PayPal does not apply their policies to all users uniformly. This is duplicitous, immoral, and a violation of the trust given to them by the people who use their platform. Their policies constitute discrimination, which should be investigated and prosecuted on behalf of the American people.
Consumer complaint received 2022-09-01
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. (SC)

This a fraudulent account that was opened in my name using my information. This account appears to have been opened in XXXX XXXX XXXX. I have contacted this company and informed them of this matter on XX/XX/2022. The total amount of this loan is {$5200.00} and it was fradulently obtained. Please remove this fraudulent account from my credit report.
Consumer complaint received 2022-09-01
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. (SC)

This a fraudulent account that was opened in my name using my information. This account appears to have been opened in XXXX XXXX XXXXXXXX I have contacted this company and informed them of this matter on XX/XX/2022. The total amount of this loan is {$5200.00} and it was fradulently obtained. Please remove this fraudulent account from my credit report.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (AZ)

I recently found out that three different people on three different parts of my Powers of attorney and they are completely destroying my identity the destroying my credit destroying everything connected me to businesses making hundreds of millions of dollars under my name this is all illegal I never signed or allowed anybody to have my Powers of attorney I would like to press charges on all of them
Consumer complaint received 2022-09-01
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: Resurgent Capital Services L.P. (IN)

On both XXXX and my XXXX Credit report I have XXXX  XXXX reporting a negative and charge off there are 2 accounts they both also have been sold to lvnv funding and they also are Reporting a charge off under XXXX XXXX. 
With lvnv funding name. 
This is against the FDCA and The FDCRA on both parties, They both have been contacted XXXX XXXX said to contact Credit bureaus to get removed was not there problem. 
I contacted both transunion.com and XXXX they refuse to remove. 
It's is 100 % against the fedal Credit law to keep reporting from both parties.
Consumer complaint received 2022-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On ( XX/XX/2022 ) 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. 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 items from 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 2022-09-01
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: AMERICAN EXPRESS COMPANY (NY)

Account was charged off and I paid Amex directly. I was told that once paid account would be deleted from credit report. Over the years I didn't realize that it was still showing and as a negative account. Called them and was told there's nothing they can do I have to wait for it to fall off ny report. So basically they lied for me to make the payment then didn't keep up with their end of the bargain
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Atlanticus Services Corporation (VA)

Fortiva has not been reporting my credit card for the last FIFTEEN months! They report to XXXX but not to XXXX or XXXX! I have submitted previous complaints to CFPB to no avail. Fortiva reports to CFBD They are reporting scores and that is the end of it! However, there have not been reported scores since XX/XX/2021!!! 
This is in violation of the Fair Credit Reporting act as you well know! Please take some action rather then believing that Fortiva is keeping my credit line up to date, which is a lie! Ask them for proof and take this seriously as this is a federal law!!!!!
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/22, I deposited my payroll check into my Chase bank using the ATM. That night I called the bank to inquire about the availability of the funds for my account, I was told the funds would be available the next day. The next day I checked my account and the funds were not available. Again, I called Chase bank to inquire about my payroll funds being released and was told it would take 6 days to receive my deposited funds. I requested to speak with a supervisor and XXXX called me back to tell me that even though my employer, the XXXX XXXX XXXX banks with Chase and I bank with Chase I would have to wait until the check was paid before I could have my funds available in my account. He stated it was a discretionary decision and after reviewing my account the decision was made not to release the funds even though the payer and payee both bank with Chase. I sincerely believe this was a discriminatory decision not necessarily a discretionary decision.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2022 a money transfer in the amount of {$320.00} was made from my PayPal account and sent to a private person In Error. The error was made when a telephone number was inadvertently transposed during the transaction. My account has been carrying this incorrect balance since that time. Attempts to get the balance corrected and debit the recipient of the transfer has thus far been unsuccessful. I have made telephone calls to PayPal and sent certified mail to Synchrony Bank ( PayPal banker ) and to the Office of the Comptroller of the Currency. That office has assigned Case # XXXX to the matter and has informed me that they have forwarded my certified letter providing all of the details to you. Their letter to me is dated XX/XX/2022. I look forward to resolving this matter so that I may receive my funds returned. The person is not a merchant, vendor or to my knowledge engaged in any kind of a business and I did not receive any goods or services from that person. Further the transaction was not a gift.
Consumer complaint received 2020-05-15
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. (TX)

There are several payments on my XXXX and XXXX accounts reporting as late though I have never paid late. Report states that I am 90 days late when there are no late payments prior to that? I have attached all bank transactions and statements that belong to this company that would prove my payments were not made late as inaccurately being reported therefore these late payments are unverified and need to be removed immediately Last verified date for XXXX shows XX/XX/2017. 

I have attached a no delinquency letter obtained from XXXX website as well as payment history from XXXX.
Consumer complaint received 2022-09-01
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. (IL)

XXXX is the name of the company that my auto loan is through ; after contacting the company with questions about my contract, I realized that they are a collections agency. My original loan amount was reported in XX/XX/2022 and by XX/XX/2022, even though I have paid on time every month, my loan amount has INCREASED rather than decreased. This is being reported to the credit bureaus and lowering my credit score. Please help.
Consumer complaint received 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (AZ)

I am writing because my beloved home is being foreclosed. 
For 20 years I was a loyal customer of XXXX XXXX XXXXXXXX. I had not only a mortgage account with XXXX XXXX XXXXXXXX but my personal and business accounts as well as multiple lines of credit. During this time I had never been late on a payment and my credit rating was good. 
The mortgage was on my personal home As happens in life, issues and illnesses occurred. After being diagnosed with XXXX, before the onset the pandemic, I advised XXXX XXXX XXXXXXXX that I was facing some financial struggles. At this point I had still been making my payments. I did so until XX/XX/20. As a XXXX single woman undergoing regular XXXXXXXX XXXX I began to fall behind. I communicated with XXXX XXXX XXXXXXXX and we discussed a loan modification. I was told that someone would reach out to me. 
Over the course of several months I called multiple times, each time I spoke with someone different and was never able to get any information regarding the status of my application. I was even given a Dedicated Customer Relationship Manager ( CRM ), her name was XXXX XXXX ( Letter attached ). I was never able to reach this person. 
XXXX went on and I was unable to make my payments. 
XXXX XXXX XXXXXXXX sent me letter after letter stating that I was being considered for a loan modification but I was never able to get through to anybody. 
I was then informed that the company Shellpoint now owned my loan and they informed me that XXXX XXXX XXXXXXXX had provided no paperwork or information regarding my XXXX XXXX. 
I am presently in foreclosure and I need some guidance to stop this process immediately. 
I am attaching documentation from XXXX XXXX XXXXXXXX and Shellpoint. Please let me know what other information you would need from me. 
I would like to file a complaint against XXXX XXXX XXXXXXXX and Shellpoint at this point.
Consumer complaint received 2022-09-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc. (CA)

this company named Gatestone keeps calling me about some online loan that was taken out in my name. I already provided my fraud report and now they are calling my ex-husband whom i have not been married to for years. I called and was left on hold. Then a XXXX or XXXX XXXX came on the line. I told her Gatestone must " cease and desist '' she told me she can't do that and needs her supervisor. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and know the laws and my rights as a consumer. I was left on hold for XXXX minutes and finally hung up. They continue to call me and other people for me. I had a horrible thing happen to me with this fraud and have been dealing with it for months. This Gatestone company is violating the FDCPA, specifically my cease and desist demand. I have consulted XXXX XXXX and will be filing suit against Gatestone. I've never been in collections in my life and this company is violating my rights and i'm sure several other consumers. XXXX has issued a call for Class Action as i'm sure we will have no issues with other consumers coming forward.
Consumer complaint received 2022-09-02
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX  # 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