davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
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. (TX)

Experian is XXXX XXXX XXXX XXXX lower than the other XXXX major agencies. The info is the same. XXXX will boost my score XXXX XXXX XXXX XXXXXXXX if I pay Experian XXXX} a month.. This is extortion is it not? They also have incomplete an inaccurate info on my report that they have verified. The information is still inaccurate and incomplete. Their verification process is to contact the company that supplied the information and ask if this is accurate. No proof is required just an affirmative reply. 
I am sure they make more money from keeping their customers happy than they do by requesting proof. I am sure I am not the only XXXX.
Consumer complaint received 2023-04-02
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: Experian Information Solutions Inc. (NY)

In accordance with the fair credit act this creditor has violated my rights, 15 usc section 602 states i have a right to privacy ,15 usc 1681 section 604 A section 2 consumer reporting agency can not furnish an account with out written instructions.

15 usc 1666B, a creditor may not treat a payment under a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2020-12-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MN)

My student loan servicing is through Nelnet. I was a graduate student from XX/XX/XXXX to XX/XX/XXXX. Interest accrued on my loans while I was in school. I was in post-grad forbearance until XX/XX/XXXX. COVID forbearance is currently active and started in XXXX. At no point in time have I been in repayment status. Nelnet moved my loans from post-grad forbearance, to repayment status for 1 day, and then into COVID forbearance in XXXX and capitalized {$2200.00} in interest at that time. I never received a letter letting me know about the status change to repayment and interest being capitalized.
Consumer complaint received 2020-12-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (NJ)

COMPLAINT : UNITED WHOLESALE MORTGAGE ( UWM ) I REFINANCED MY FHA LOAN THAT I HAD WITH UWM TO ANOTHER LENDER AS A VA LOAN. 

MY SETTLEMENT COMPANY PAID OFF THE {$690000.00} THAT WAS THE PAYOFF AMOUNT DUE ON XX/XX/XXXX. 

UWM DIDNT PROCESS THE PAYOFF AND SAID I WAS SHORT ON MY PAYMENT. 

THEY CHARGED ME {$600.00} FOR XXXX PMI EVEN THOUGH I PAID MY PMI THROUGH XXXX. THEY CHARGED ME AN ADDITIONAL 7 DAYS OF INTEREST {$480.00} AND ALSO ADDTIONAL ESCROW CHARGES. TOTAL OF {$1700.00} AND COULDNT EXPALIN TO ME WHAT THE CHARGES WERE FOR. 

I CALLED THEM 6-7 TIMES AND SPOKE WITH VARIOUS ASSOCIATES AND MANAGERS AND THEY COULDNT EXPALIN WHAT HAPPENED. I WILL BE REPORTING THEM HERE AND TO THE XXXX.
Consumer complaint received 2022-09-11
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. (AL)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Please be advised Equifax, XXXX, XXXX are refusing to remove my Bankruptcy and old addresses, phone and old employer information from my credit file. The information was provided by XXXX XXXX and the bankruptcy on my credit report has not been verified by me nor has it been permitted by me nor does it has a signature by me to be placed on their platform. I wish to have my Bankruptcy removed from all three credit bureaus starting with XXXX. Thank you XXXX XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

XXXX XX/XX/2020 I contacted experian, XXXX, and equinox about fraudulent loans being furnished on my credit report. After sending a police report, FTC fraud report, equinox deleted the inaccurate information but experian and transunion denied to fix the issue on several occasions after sending affidavits, police reports, fraud reports, court rulings, and phone calls. XXXX XXXX XXXX XXXX XXXX XXXX had lost a case for fraudulent loans. 

According to documents, all fraudulent loans were to be cancelled and cleared from reporting. That has not happened. 

This has caused adverse harm in seeking housing, and solid transportation.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DP OF EDUC XXXX Balance Owed : {$4300.00} US DEPT ED XXXX Balance Owed : {$9100.00}
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

I received a PayPal credit card bill for {$5400.00} in early XXXX, XXXX. 
I NEVER opened this account. 
I have NEVER made a payment on the account. 
This is Fraud. 

I contacted Syncrony Bank and told them that I never opened this credit account and that I only found out about it when I received the bill. It was well understood on the call that this was a case of fraud, and they assured me I would not be responsible for the {$5400.00}. I received a letter from them dated XX/XX/XXXX that confirmed I would not be responsible for the unauthorized transaction, and that the account had been closed. I then received a letter from Synchrony Bank, dated XX/XX/XXXX, and a Fraud Investigation Form that they requested I return by fax, which I did on XX/XX/XXXX ( I have the fax receipt ). 

On XX/XX/XXXX, I received another letter from Synchrony Bank, dated XX/XX/XXXX, denying my fraud claim because they said the account had been open for more than 12 months, and they said I had made a payment. The initial fraud was initiated online, and I was only made aware of it because of the past due bill I received in the mail in early XXXX of XXXX. I assume the payment they received was sent online by the person who opened this account. I HAVE NEVER HAD AN ONLINE PAY PAL ACCOUNT, AND I DID NOT REQUEST OR EVER RECEIVE A PAY PAL CREDIT CARD. I ALSO HAVE NEVER MADE A PAYMENT ON THIS ACCOUNT THAT I DID NOT OPEN. 

I received a new PayPal credit card bill which shows a statement closing date of XX/XX/XXXX. This bill has a different account number and the description of the charges states it is a balance transfer from the initial fraudulent credit card that they had closed. So they have created a new credit card account without notifying me they were going to do so, and without my permission. The total balance on this bill is now {$5500.00} because they have charged interest as well. 

I contacted them on XX/XX/XXXX and explained everything to them again. They have re-opened the fraud investigation and stated " the matter will be resolved in 30 days ''. 

I am filing this claim with the CFPB to ensure there is a record of this fraud, and to ensure I am not liable for the fraudulent charge.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

My complaint is, XXXX is stating they are reporting accurate information to XXXX, EQUIFAX, and XXXX. However, the reporting agencies are not reporting accurate information in my report, which is violating my rights as a consumer under the FCRA laws. 

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 an account without my written instructions.

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.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I submitted a written dispute to Experian on XX/XX/2023 outlining the items with inaccurate information, specifically : - U S DEPT OF EDXXXX Educational showing over 40 lates and a {$540.00} past due balance As of XX/XX/2023 my Experian credit report still contains this information and no response had been made to my dispute.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Submitted a request to investigate collection account XXXX XXXXXXXX as accurate. Investigation resulted in verified as accurate. Upon pulling previous reports the DOLA as changed several times illegally on this account. Per FCRA laws this is illegally re-aging the account. There has been no activity made on this account yet the DOLA had been changed several times. Also the DOLA is showing 3 different dates across each bureau. The credit bureaus are required to report correct information on my credit report.
Consumer complaint received 2023-08-10
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)

I am writing to dispute the following information on my credit report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The accounts were discharged because the creditor filed a 1099-C form with the IRS, indicating that the debt was canceled and reported as income. Therefore, this account should not appear as unpaid or delinquent on my credit report. I have enclosed a copy of the 1099-C form as proof of discharge. Please investigate this matter and update my credit report accordingly using the Metro 2 format and in compliance with the consumer law from the USC, Title 15, Chapter 41, Subchapter V.
Consumer complaint received 2024-12-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Point Digital Finance, Inc. (FL)

I have a HEI lien on my home that I am selling., with Point Home Equity Investment XXXX 
They sent me three totally different payoff amounts, I originally took out XXXX in XXXX. 
I just signed a contract to sell my home on XX/XX/XXXX, before foreclosure. 
First, they asked for the signed contract, and sent me an amount of XXXX due. This made sense, because the house sold for only XXXX, under the appraisal amount when I took out the loan. 
An email was sent with a payoff of XXXX also, several months ago. They originally sent me this before I signed the contract to sell. 

NOW- they are claiming the payoff is over XXXX. 

They are claiming, nthe home value of XXXX is the percentage they went by, when the Notice of Default was served, in XX/XX/XXXX. 
I am ready to close with the title company, but Point is kicking me while I'm down. I'm having to sell my house to avoid foreclosure I checked the Point contract and is states " in some cases of default '', the payoff goes by what the value was at the time of the Notice of Default. 
Apparently this is " some case '' because they chose to gouge me. 
There is something not right about this. 
Point low-balled my home appraisal, using their appraiser, ( bias ), when I was getting the loan.

But now they go by market value, when it's time for them to be paid back. 
They reneged on the correct payoff, the one I sent to the buyer. 
They knew about the Default all along, they are involved in the foreclosure lawsuit. 
Why even request the signed contract to begin with? 
Very unprofessional. 
And they ripped me off. 
Sneaky, unethical and unscrupulous business practice. 
This isn't the last time you will be hearing from me.
Consumer complaint received 2020-12-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 2. XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account.
Consumer complaint received 2022-07-24
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Auto Account # XXXX and XXXX Account # XXXX has violated my rights. Specifically, 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-07
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. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all XXXX credit bureaus XXXX XXXX, TransUnion and XXXX  ) on/around XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX  I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they maXXXX also perform a reasonable investigation. However, it has been almost 6 months from my first written request and more than 3 months since my second written request and I still have not received any responses.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (AL)

Lendmark is reporting the payment status as 30 days late with XXXX and XXXX. The account was paid in 2019. I disputed the account through the credit bureaus and directly with the local office. The company has not changed the information. The company verified the information as accurate.
Consumer complaint received 2020-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2020, I was in XXXX XXXX. I XX/XX/XXXXfor a living and I'm based in XXXX. I was in XXXX XXXX on a layover. I was pickpocketed ( robbed ). My wallet was taken that included a XXXX XXXX credit card/XXXX Debit card/XXXX credit card and a Capital One credit card. All of the above companies except for Capital One immediately reversed the charge on the accounts. Capital One placed the amount {$2000.00} on a hold and then placed a " provisional credit ''. I recorded the conversation as per XX/XX/XXXXstate law. They advised that this would not be reported to the credit bureau. I had an XXXX credit score. 
Well, they advised all 3 credit bureaus that I owed them {$2000.00}. This has lowered my credit score by 7 points while they do their investigation. As they stated it will take 90 days for the investigation to be completed to see if they believe this was fraud or not. Strange, none of the other companies stated this. And, Mastercard, Capital One has a zero liability advertising for fraud/stolen credit cards. I know that eventually, they will find this to be fraud or I will sue them in small claims court. However, sending this amount to the credit bureaus is unacceptable. And, hurting my credit is unacceptable. Victimizing the victim is unacceptable. Poor customer service. As I stated, all other credit card companies stated that this was obviously fraud and immediately sent out new cards in overnight mail. I still have not received a new card from Capital One even though I will cancel the card once this investigation is completed. They need to contact the credit bureaus immediately to " make right '' what they have done wrong. Having an effect on my credit score is illegal. I've talked to Representatives at Capital One on about 20 occasions. I have had representatives tell me that it doesn't make sense that Capital One would have sent this information to the credit bureaus because they do so only on the XXXX of each month. Well, the robbery happened on XXXX and they advised the credit bureaus on XXXX. Their next reporting date would normally be XXXX. I think the agents that didn't care for me at Capital One felt this would be a good way to get back at me. So, by hurting my credit, I'm being penalized. I have a perfect 7 year history with Capital One and this credit card but they state that history of the account doesn't matter and only this one charge. They state that " they and they only make the decision as to whether this is fraud or not ''. I've never made a charge of this amount in my 100 visits to XXXX XXXX for work over the past 7 years. In fact, I've rarely made purchases over $ 100,00usd. I just feel victimized and helpless. This company has no customer service skills.
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

I had a Walmart, synchrony bank card I am disputing the amount 2017-present day.the bank sent me8 to 1099C from the collectionOf debt. They canceled {$740.00}. Now I have the same bank sending me the notification say I owe {$1100.00}. I was informed by the Walmart that was paid off now while its on my credit for a showing that I owe more money than I paid off of {$1100.00}. Ill reach out every month for the last four  years certify the XXXX do I old money to a collect did that by the bank when I made the payment of {$740.00}.
Consumer complaint received 2023-06-24
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. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.