davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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. (NC)

Identity theft collections accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove immediately! 

Also, you reporting a medical collection that I do not consent to and it has been reported as identity theft fraud and it is a medical debt that is under {$500.00}. 

Under the fair credit reporting act, no medical bills are allowed to be reported under {$500.00} and this {$85.00} charge / medical bill should be removed immediately.
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OH)

On XX/XX/XXXX my Us Bank Reliacard was declined. This has happened 3 previous times due to fraudulent activity on my account. This time, when I called customer service, the automated service stated all operators were busy, please try again. I have called multiple times a day, every day since XX/XX/XXXX without talking to anyone. I need access to my money!!
Consumer complaint received 2022-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation (DE)

I have several accounts listed on my credit reports and the do not coincide with all three reports 1 ) this Bridgecrest report is showing that its open and delinquent and I paid this account off in XXXX on all reports 2 ) department of education I had I had those accounts forgiven and they are listed as delinquent on all 3 reports 3 ) XXXX XXXX  theses accounts need to be reviewed they have all different Amounts on all 3 credit reports and some not even listed at all 4 ) XXXX XXXX is listed on my 1 credit report and not all reports as this amount that was not paid when the account was canceled this needs to be reviewed and deleted as soo. As possible 4 ) collection account with no source listed fo {$49.00} dollars not listed on all my reports this needs to be deleted as this information is not accurate 5 ) XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open 6 ) XXXX XXXX XXXX  is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open XXXX XXXX XXXX 5 ) XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open
Consumer complaint received 2024-09-23
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. (CA)

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S.C. 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information account. 

Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

XXXX XXXX XXXX Amount Reported : {$17000.00} Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/XXXX I bought a Desktop computer from XXXX XXXX through XXXX  for {$1200.00}. The only option I was given during online checkout was their Special Financing. The plan said I had until XX/XX/XXXX to pay off the debt before the interest on the Special Purchase kicked in. I didn't want to do the special financing but there was no other option at XXXX checkout. Regardless, I thought I had paid off the debt in full because of these transactions : XX/XX/XXXX {$200.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$330.00} and XX/XX/XXXX {$200.00}. These payments were more than sufficient to cover the special finance and pay off the debt. In XXXX 's TOS it says that they must allocate the money if more than the minimum payment due to the most expensive purchase. There is no way for me, the customer, to allocate funds. You have three options when you go to pay off your credit : pay the full amount of your account, pay the minimum of your account, or other. There is no way for me to allocate said funds. That is XXXX 's responsibility. They did not allocate any of these payments to the special finance plan and come XXXX I am being told not only do I owe 28 % API on the purchase, I also owe {$1000.00}. They are acting as if I didn't pay it at all. It is pure stealing and fraud. I have spoken to numerous people through Synchrony Bank ( over the phone dates XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX as well as their virtual chat ) and I was told this would be fixed. But today I got a letter saying that if it was 60 days past the date of the transaction, they didn't have to do anything. If I can not allocate my own funds and it is up to them to do so, this is gross negligence if not out right fraud on their part. They also sent me a form to fill out on the XXXX and then immediately 24 hours later sent me another email telling me there was nothing they were going to do without having my written statement.
Consumer complaint received 2023-03-20
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. (NY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX 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
Consumer complaint received 2023-01-26
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)

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 -EXPERIAN XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. ''
Consumer complaint received 2023-03-11
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX AV XXXX, GA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$5500.00} ( Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXXXXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (NJ)

I applied for a Lowe 's Credit Card through Synchrony Bank, XXXX XXXX XXXX, XXXX Fl XXXX on XX/XX/22. On XX/XX/22 I received an email from Synchrony with a reference number to review the details of my application. The code did not work ( attached ). I called Synchrony on XX/XX/22 and explained the code did not work and they stated they would send me a written explanation of my denied card application. When I asked why it was declined they stated they could not share that information. 
Several days later I received the attached letter which was not an explanation as to why my application was declined, but a letter regarding inaccurate reported information. I called them again on XX/XX/22 stating I still have not received the reason for my denied application and shared the letter I did receive. I was told that was sent in error and a request for the denied letter would be requested again. On XX/XX/22 I called back because at this point I requested my credit report from XXXX which is who Synchrony stated they used to make the decision and my credit report was perfect and had a credit score of 833, On the XX/XX/22 call I insisted on speaking to a Manager and someone by the name of XXXX came on the line and I explained what happen and asked why the application was denied. After going back and forth she finally shared the reason for the denial was based on risk factors in confirming my identity per the XXXX credit report. I asked for more details and she said there are none. I need to call XXXX to resolve. I said I already did that and they see nothing suspicious or inaccurate on my report. 
I again asked for the official denial letter and again I was promised another request would be entered to send me a copy. Today is XX/XX/22 and I have never received the denial letter.
Consumer complaint received 2022-10-14
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 (VA)

On XX/XX/XXXX I received a credit monitoring alert that a new credit card was opened with SYNCB/PPC which is Paypal Credit XXXX So I called the creditor and they verified that someone uses my name and address but the email address didn't match mine. Someone opened up a credit card with Paypal credit on XX/XX/XXXX and charged {$1800.00} and I don't know what it was for. So the creditor closes the account and submits it to their fraud department. I have already contacted the credit bureau about this fraud transaction and I was told to go to ftc.gov to file a fraud report.
Consumer complaint received 2022-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

I have been with 3 different nonprofit lenders in the last 10 years. XXXX was the last one before the current lender named Mohela which took over in the middle of 2022. StudentAid.gov said that I needed to consolidate my loans in order to be eligible for the Biden exceptions during pandemic. I consolidated in XX/XX/2022. I had also applied for PSLF just as my XXXX to Mohela transition was happening, and the XXXX exceptions were being assessed. This may have confused the issue for Mohela as they are not counting Pandemic timeframe as payments toward PSLF. I also audited the listing of all of the possible payments that could have been counted with the Biden exceptions in the attachments. It appears there are at least XXXX payments that count towards the XXXX. Mohela is counting XXXX. The current wait time to talk with Mohela on the phone is XXXX minutes but I have stayed on hold for upwards on XXXX minutes before being disconnected on XXXX occasions from XXXX. I am logging this complaint so that there is evidence that the steps requested by XXXX, StudentAid.gov, and Mohela were followed.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

According to the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the open date is in inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Hard Inquiry : Equifax Mortgage Ser  Date opened : XX/XX/2022 Hard Inquiry : XXXX  XXXX XXXX Date opened : XX/XX/2022 Hard Inquiry : XXXX XXXX Date opened : XXXX XXXX XXXX opened : XX/XX/2022 2022
Consumer complaint received 2024-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SG and Associates (TX)

Dear STAFFORD GROUP AND ASSOC I am writing to formally dispute a debt collection account that has been reported to my credit report # XXXX .I believe this account is inaccurate and violates my consumer rights under multiple consumer laws which I will list below, each violation of my consumer rights will be met with legal action if not removed. This debt is not owed, nor do I recognize this debt and have no record of it. This alleged debt is not legally enforceable. You have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ). And you have also not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). STAFFORD GROUP AND ASSOC has XXXX authority to furnish anything to reporting agencies without providing any and all disclosures REQUIRED by law, you are in clear violation of CFR 1006.34 ( d ) and 15 USC1681-S2 ( 7 ) ( A ) STAFFORD GROUP AND ASSOC has engaged in harassing or abusive behavior, such as repeated calls, threats, or false statements, due to this violation of my rights I have experienced hardship both physically and mentally and will be seeking damages if not removed.

I am requesting debt validation and the purchase agreement between STAFFORD GROUP AND ASSOC and the original creditor. investigate this matter and take appropriate action to correct my credit report. I also request that the debt collector cease all collection activity on this account and proof you are licensed and bonded.
Consumer complaint received 2022-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

We have a mortgage on our home and on the adjacent 18.6 acres ( separate PIN # s and tax bills ). Taxes in XXXX XXXX are paid twice a year in XXXX and XXXX with 1/2 the total tax amount due at each payment time. Total tax on the home is {$5400.00} and total tax on the land is {$75.00}. On XX/XX/22, I received an escrow analysis stating our monthly escrow payments would be increased from $ XXXX to $ XXXX starting XX/XX/22. After reviewing the escrow information, I found several mistakes including incorrect PIN #, incorrect amounts of tax and a duplicate entry. I called PennyMac on XX/XX/22 and talked to Carlos. We went through the escrow information and he submitted the corrections. The PIN # s are now correct and the duplicate house tax was removed. However, the land tax due in XXXX is now shown as {$2700.00} instead of the {$37.00} actually due. On XX/XX/22, I called PennyMac and talked to XXXX. I explained the problem and she told me I would have to call the county and get the tax bills and send them to PennyMac since the bill documents were not in their system. I told her that I don't get the tax bills, PennyMac does. She kept repeating the same information over and over. XXXX XXXX does not print tax bills for escrow accounts, the bills are sent electronically to the mortgage company. 
I tried to get the escrow account corrected last year to no avail. PennyMac didn't pay the tax on the land last XXXX After receiving an overdue bill from the county, I called PennyMac and they paid part of the bill. I had to go to the county and pay the storm water portion of the bill. 
This appears to be creative accounting or incompetent accounting on PennyMac 's part. If they can't get a simple escrow account and the tax bills correct, they should not be in the mortgage servicing business.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # Date : XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries Violation of 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my Experian credit report. I did not authorize these inquiries, and they therefore constitute a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

After reviewing my credit report, I identified the following hard inquiries, which I believe were made without my consent : [ XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific circumstances that constitute a permissible purpose, such as with a legitimate business need, employment purposes, or with the consumers explicit authorization. Since I did not provide consent or initiate these inquiries, they are in violation of this provision. 

Moreover, pursuant to 15 U.S.C. 1681i, you are required to investigate any disputed information on my credit report within 30 days of receiving my dispute. I request that you investigate and remove these unauthorized inquiries immediately. 

Should Experian fail to comply with these obligations, I am prepared to escalate the matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies as provided by 15 U.S.C. 1681n and 15 U.S.C. 1681o for negligent or willful noncompliance.

Please confirm in writing once the disputed inquiries have been removed from my credit report. Should you need any further information from me to resolve this issue, feel free to contact me directly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX  ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"