davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (PA)

My credit monitoring service reported a negative change with Experian. Since my credit score is normally around XXXX i take my credit very seriously. Right away i filed a dispute with Experian online XXXX advising the account is not mine as i dont know the creditor nor do i have knowledge of any business with that entity nor ever received any bills. On XXXX Experian emailed me to advise the item remains on my credit report. Surprised, i called the company reporting the item. They quickly verified the item does not belong to me based on my SSN and DOB. I provided the contact name and extension as well as the info from the creditor they used to verify the account is not mine to Experian via phone on XXXX/XXXX/2016 to XXXX in their XXXX. She re-opened the dispute. I just got back the results today advising the item remains. How is that possible when i already verified with the creditor they show reporting the item, as well as provided details of whom there verified it is NOT my account. Experian is not doing their job properly and i need this item removed from my credit report. Experian has my SSN and DOB. Why cant they compare that against what its being reported and determine it is indeed not my account?
Consumer complaint received 2023-05-12
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : 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 has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-05-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (FL)

Greetings, We had a claim since XXXX of XXXX with XXXX XXXX XXXX insurance for water damage which was paid for partial in XXXX and we as the homeowners did all the fixing of our home by using our own money and we hired an attorney to sue the insurance company. 
Now, in XXXX of XXXX we finally won the lawsuit and the settlement was sent with a letter of explanation to the mortgage company explaining that this was a settlement and that no adjusters worksheet is needed as they keep asking over and over again. This is the third time I had to make a complaint about this mortgage company for their abuse of practice and the way they treat us clients. I sent them the check endorsed and told them that we have used every single fund we had to fix our home and they can send an inspector to see that the house as no issue what so ever to verify that the house is in inpecable state. Instead they keep insisting on adjuster worksheet and adjuster bid for a closed claim since XXXX? 
Please help ; we are tired and stressed. I had to file bankruptcy due to lack of funds, and I need my money, but not theirs.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

In XXXX of XXXX  I co-signed a car loan for my daughter. I had no co-signed for anyone in my life and was unaware of the processI had 2 different credit cards with Synchrony Bank. I had a XXXX XXXX XXXX  Credit card from them with a {$2500.00} credit line and a Synchrony Car Care credit card also with a {$2500.00} credit line paid both on time never once a late payment .Once that car mess ( which is being reviewed by the attorney generals office in XXXX right now for other underhanded dealings ) hit my credit reports they immediately closed both my accounts with out notice no call no letter at all. When I called them to ask them why they shut my accounts down they said your overextended you just bought yourself a new car I said are you kidding me never a late payment and you just shut both cards down without asking me what happened, nothing? They said yup thats it have a nice day.
Consumer complaint received 2023-05-12
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. (GA)

Last XX/XX/2022 and XXXX this year I submitted a complaint regarding on the Bankruptcy records on my credit report. Today I am submitting a complaint for the removal of the fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Was told my credit card was closed as Capital One has observed activity on one or more of my personal accounts that is inconsistent with a typical consumer account usage? 

So they cancelled the card for no reason and it negatively effected my credit score and never gave me a real reason, which I would like to know.
Consumer complaint received 2023-05-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am requesting that the account XXXX XXXX XXXX XXXX is removed from my credit report due to unverifiable information. I sent a letter to the creditor and submitted a complaint through CFPB and this account has yet to be verified. This account was to be removed while an investigation was conducted but it was never removed. Now it has been 2 months since my initial dispute and this account still has not been verified so how are the 3 credit reporting agencies reporting this account as accurate? The complaint number for the dispute that was sent in XXXX through CFPB is XXXX. I have tried to dispute it directly with the company, to no avail. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Thank you for your immediate attention to this matter.
Consumer complaint received 2023-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I was contacted by what I thought was a person I work with, asking for my to make a paypal paymnet on her behalf It was a fake. But I didn't realize & paid {$920.00} via Paypal. They contacted me again asking for more money. XXXX & paypal won't do anything
Consumer complaint received 2023-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE (FL)

MANIPULATION OF FORECLOSURE AUCTION, FORGED FORECLOSURE PUBLICATIONS AND MALICIOUS OBSTRUCTION OF HOMEOWNER 'S RIGHT TO DUE PROCESS This situation has been a long and exhausting process which originated when the mortgage on the property contained an incorrect legal description. In attempting to foreclose on the property, BNY Mellon intentionally forged the legal description on the Court documents publicizing the auction instead of reforming the mortgage as it is required to do, by law and which resulted in a grossly inadequate bid price. 

Further, in an effort to settle the matter, I attempted, on multiple occasions, to satisfy the entire foreclosure judgment. BNY Mellon refused to accept full payment and instead accepted almost half of the judgment amount from a known collusive bidder in a grossly faulty foreclosure auction. 

After BNY Mellon forged Court filed documents to avoid correcting the mortgage, it then maliciously prevented me from satisfying the judgment, retaining the equity in my home, and satisfying the judgment to avoid a completed foreclosure. They also conspired with the auction bidder to prevent my right to due process and hearing of my timely objections to the faulty foreclosure auction. 

I have raised these issues in a multi-year court battle ; yet BNY Mellon continues to engage in knowingly malicious bad acts. They have admitted their errors in XXXX documents, yet they refuse to take corrective actions. It is unacceptable and must be addressed. It has cost me years of my life, tremendous financial distress and the loss of home in spite of my multiple, assertive efforts to satisfy the full judgment.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CT)

In-store merchant offered purchase incentive with 2-year no interest credit card. 
Synchrony Sport was the credit card provider. 
This was the only time this credit card was ever used. 
Automatic monthly payment was set-up, however the monthly payment drawn was the minimum amount, not the amount necessary to payoff principal in 24 months. 
Since there was no monthly activity the monthly statements were not opened. 
Footnote in their statement was the only form of communication to alert me the promotion period was expiring. No mail, no email, no courtesy phone call. 
Synchrony then billed me at 29.99 % interest retroactively for the prior two years. 
The only came to my attention when I finally received and email invoice for the past due amount many months later. 
I have since paid off the entire principal balance, but now still being charged interest on unpaid, unacceptable and disputed interest charges. 
I have contacted Synchrony several times by phone and by mail to settle this, but been denied each time. 
Their conduct is egregious, non-transparent and predatory.
Consumer complaint received 2016-10-27
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Professional Medical Management, Inc. (PA)

Financial Recoveries collection agency ( XXXX ) reported XXXX disputed billed amounts to the credit bureaus both without my knowledge and after I made a payment. 

1 ) For a negative entry of {$100.00} they reported to the credit reporting services, I had never received their correspondence. As a result, I never got a chance to dispute the balance. I made the payment anyway despite my disagreement to the balance my medical provider XXXX XXXX ( XXXX ) tried to collect through Financial Recoveries. 

2 ) Financial Recoveries reported the amount of {$53.00} on XX/XX/XXXX to the credit reporting services even after I paid it through their automated system on XX/XX/2016. Not only that, immediately after I received the letter from them for this balance, I faxed a letter disputing the charge. They immediately sent me a copy of the original creditor 's bill which I disagree, I called them and made the payment regardless as I realized I was too powerless to fight the hospital and the collection agency. Still within a few days after I filed the dispute against the charge and after I made the payment, they still reported this to the credit bureaus. 

Their action was relentless and against rules and caused distress and negative impact on my perfect credit history.
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Good Afternoon, On multiple occasions ( too many to remember dates ), I have contacted Transunion regarding inaccurate information on my credit report. On each occasion, I would get generic letters reporting the information was " verified '' and it will remain. On each occasion, I have requested the submissions of the documentation used to verify the investigation and do not receive a response. 

I later went through other sources to have my request reviewed. I went through XXXX XXXX. XXXX is a provider of bankruptcy information. Through XXXXXXXX XXXX " two investigations '', they could not verify the report 's accuracy or the information they have and submitted me a letter on letterhead documenting that it was removed from the file XXXX XXXX XXXXXXXX # XXXX ). 

I later submitted this same information to Transunion for review ; once again they have failed to acknowledge " documentation '' from their own provider source. 

Therefore, Im requesting your company 's assistance in this matter. 

No, Im not submitting any additional documents, address, phone numbers, social security, letters or etc. You should already have that information ( Transunion ). I need copies of the documents you claim to use to verify for review only.
Consumer complaint received 2023-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Trust Management LLC (CA)

On XX/XX/23 at XXXX I received a phone call from someone named " XXXX XXXX who did not disclose his name. I called back and was told that was his name. The number that called me was XXXX. When I called back, I was told it was an answering service. This person stated that he represented " Global Trust Management '' and was asking me to identify personal information. I informed this person that I am at work and would need to discuss this afterwards. I also asked the person to identify themselves, that I am a victim of identity theft and that my information was on the dark web and therefore, I can not confirm or deny any personal information at this time, until I could verify them. He then said, I'm going to advise my client to move forward. He threatened action because I did not verify with him and he did not verify with me. He kept speaking over me, did not give me any verifying information of the company. He threatened me twice with " I'm going to tell them to move forward. '' I don't know what that means. I don't know if this is a scam. I have not received any written notification of any debt. I would like to file a complaint in regards to the language of the caller and the manner that the call was being conducted as well as the threat to tell someone to move forward. Move forward with what? That's very disturbing.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX - A company saying they could sell my time-share condo got me to give them my credit card number saying they would not charge it until I gave permission. They did charge it and I got suspicious so I did more in-depth searching on this company and found they had so many scams. I filed a dispute with XXXX BEFORE THEY PAID THE COMPANY, but XXXX paid the company anyway against my wishes. XXXX submitted this to all XXXX major credit reporting agencies XX/XX/1999 and have not removed it from my credit report.
Consumer complaint received 2023-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Jefferson Capital has placed this account on my credit file for no reason. I dont have any dealing with this company. I will be filing a lawsuit against this fraudulent company and having them investigated. I never received any type of communication and they just placed this account on my credit file. I am requesting proof of ownership of this account within 10 days and if this account is not remove I will file a lawsuit. My demand is to have this account removed immediately.
Consumer complaint received 2016-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (MN)

A company is attempting to collect debt that I do not owe. There is documented proof that I paid all bills on time ( through XXXX XXXX XXXX. They charged my bank account every month after I sent a check in ( I have bank statements to prove this ) under XXXX account number ( with name, address, phone number ), but they would call me every month saying I did not pay and disconnect my internet. I called them multiple times and complained about this issue and they did nothing to fix it. It was discovered that they had XXXX account numbers under my name ( their mistake, as this was the first and only time I used their service ). Because of this mistaken second account, they are sending me to collections. I paid payments as necessary every month. I should not pay any debt, as there is none. I sent this proof to a collection agency last spring and now I 'm being contacted by another agency regarding the same collection. What can I do? Also, will this harm my credit score? If so, XXXX XXXX needs to fix it, as it is their fault, their mistake.
Consumer complaint received 2023-05-12
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)

This company is listing old and inaccurate information. there has been no credit report sent to me since I submitted a dispute in the past few months. it has been past 30 days without any actual updates.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I ASKED FOR A INVESTIGATION ON THIS ACCOUNT BACK ON XX/XX/23 AND HAVE YET TO GET A RESPONSE!!!! 

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 2024-10-15
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: Experian Information Solutions Inc. (IL)

I am writing to address the unlawful reinsertion of a previously disputed and removed debt on my credit report. This reinsertion occurred without the legally required notification, in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I am concerned about the accuracy of the information provided, as well as the protection of my personal information, which federal law mandates must be safeguarded by your agency. Accuracy Obligations Under the FCRA and Case Law The FCRA imposes a duty on credit reporting agencies to maintain and follow reasonable procedures to ensure the accuracy of information included in consumer reports. This duty is articulated in 15 U.S.C. 1681e ( b ), which requires that CRAs ensure maximum possible accuracy. Several court decisions underscore the importance of this obligation : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : The court held that a CRA is responsible for verifying the accuracy of information in a consumers credit report and can not rely solely on the information provided by creditors, especially after a dispute has been raised. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that CRAs must conduct a reasonable investigation when a consumer disputes the accuracy of information in their credit report, and that they can not simply rely on the information provided by a creditor. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case emphasized that CRAs must do more than simply verify the accuracy of their data with the original source ; they are responsible for ensuring that the data is correct. 
Permissible Purpose and Protection of Personal Information In addition to ensuring accuracy, federal law requires that CRAs only share my personal information with third parties who have a permissible purpose under the FCRA. Specifically, 15 U.S.C. 1681b outlines the permissible purposes for which a CRA may furnish a consumer report, which includes credit transactions, employment, insurance underwriting, and other legitimate business needs. Importantly, 15 U.S.C. 1681b ( a ) ( 2 ) requires that my written consent must be obtained before sharing my credit report for purposes other than those listed in the statute.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Esusu, Inc. (GA)

On XX/XX/XXXX I got a report from XXXX XXXX. It stated that my XXXX XXXX XXXX account was closed. Which dropped my credit score -XXXX  points on XXXX. And -XXXX  points on XXXX. I then contacted both credit bureaus to ask about getting it disputed. They told me I have to contact ESUSU the credit company that put this inquiry on my credit. I contacted them gave them the information and they said they have to do an investigation. I went to my leasing office and told them what is happening. They dont know why it was put that my account was closed. I havent had any late payments or eviction notices. I got copies of my on time rent payments and lease. For proof that my account is open. And I want my score back updated and this mistake off my credit report.