davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested on 2 different occasions that the late payments reporting to my consumer report, be deleted from my consumer report, or delete the accounts all together.

15 US CODE 1681e ( b ) - The Fair Credit Reporting states that Transactions, experiences, authorizations, and approval of credit aren't included in your consumer report. 15 US CODE 1681a -Definitions- Rules of construction-paragraph 2 -- Exclusions -Paragraph ( a ) & ( I ). Exclusions- Except as provided in paragraph 3. The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer, and the person making the report. This law states that transactions are not included in your consumer report.
Consumer complaint received 2019-08-16
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 (CA)

I am in the process of refinancing my home and was shocked to learn that I have a 60 day late and a 30 day late on my credit report for Care Credit/Synchrony bank. I co-signed this account for my son, XXXX XXXX, to obtain immediate health care of my grandson. My son lives in XXXX CA and was making the payments. He works for the government and I recently found out that the account became delinquent while he was on a government mandated furlough. If I had been aware of any delinquencies, I would have paid the account up to date immediately. I never received a delinquency letter nor did I receive a telephone call from Care Credit/Synchrony Bank to advise of the delinquency status. I provided my home address ( in XXXX, California ) along with my telephone number over the phone at account origination. I believe Fair Credit Reporting Act ( FCRA ) and Fair Debt Collections Practices Act ( FDCPA ) rules dictate that all liable parties require notification of a delinquency before my credit bureau report can be negatively impacted. Since Care Credit/Synchrony Bank did not properly notify me of the delinquencies, I request that you please investigate this Bank for improper notification and collection practices. I request that Care Health/Synchrony Bank remove the delinquency status from my credit bureau reports. Also, I never received any information or notification regarding terms and conditions for this account. I am a senior citizen and I value my credit and would not have allowed this to happen if your company provided me with proper notification. I have not received a reply to my letter to Care Credit/Synchrony Bank which was mailed XX/XX/2019.
Consumer complaint received 2023-09-05
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. (AR)

This is my 3rd 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 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 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 2020-04-17
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: PENNYMAC LOAN SERVICES, LLC. (MA)

Since XXXX, XXXX, I have worked tirelessly to resolve a straightforward credit reporting dispute with PennyMac to no avail. Communication to Pennymac over this period has included over a dozen phone calls, a half dozen faxes, and a written request for records. 

Overview : In Q2 XXXX, PennyMac disabled my ability to make automatic payments and payment by phone and web when an automatic payment failed to process. This imposed a substantial burden upon myself, as under Pennymacs limited certified funds status, I was left solely with the option to mail cashiers checks, which I would not be able to do while traveling internationally. 

On a XXXX XXXX XXXX phone call, I requested a Pennymac agent allow me to pay by wire transfer -- I was trying to make an effort to get payment in as soon as possible to avoid adverse impact to my credit report. Per account notes furnished by PennyMac, the agent ADVISED THAT [ PennyMac ] ONLY LIKE [ s ] TO USE [ wire transfers ] TO PAYOFF THE LOAN. The notes indicate that I informed the agent this was the only way I could make payment ( BWR STATED THAT IS THE ONLY WAS ( sic ) TO MAKE PYMTS ) and that the representative informed me I was would be in the limited certified funds status until XX/XX/XXXX ( ADVISED THAT MUST HAVE CERTIFIED PYMTS UNTIL XX/XX/XXXX ). Finally, the representative provides me with " payoff information '' and documents that I will wire that day. 

Throughout my correspondence with PennyMac since XXXX, XXXX, I have maintained that they should not have reported delinquent payments to credit bureaus, as they did not provide me with a way to make payment. 

In a XX/XX/XXXX letter enclosed with the production of records I had requested, a PennyMac representative erroneously states that the certified funds limitation was removed in XX/XX/XXXX, which is contradicted by the notes of the representative on XX/XX/XXXX : " My research confirmed that due to the number of returned payments received for your mortgage loan, PennyMac placed a certified funds requirement on your account on XX/XX/XXXX, and canceled your AutoPay. Further research confirms that due to the hardship the certified funds requirement caused, PennyMac removed the requirement as a courtesy in XX/XX/XXXX. ''
Consumer complaint received 2023-09-05
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: EQUIFAX, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (FL)

I was informed that this collection 's original creditor was XXXX XXXX XXXX. I do not have an XXXX XXXX XXXX account nor have I ever. XXXX XXXX XXXX  bought out XXXX XXXX XXXX XXXX and I had to file a compalint with the FCC, case XXXX XXXXXXXX. I have requested that the collector provide documentation to support, but have yet to obtain anything. This collection would be far past the legal statute of limitations and it is being reported on my credit report illegally.
Consumer complaint received 2023-09-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NV)

After a review of my credit reports I found that Spring Oaks Capital is collecting on me for a debt that is not mine. 

It appears as if someone fraudulently opened an account with XXXX XXXX using my information. Ive reached out to XXXXXXXX XXXX but they said there was nothing they could do since the debt had already been forwarded to a third party. Prior to Spring Oaks capital reporting this erroneous debt, Ive never received any type of dunning letter or phone call in regards to this matter. Both actions violate my rights under the FDCPA. 

I can provide documentation that supports my claims of me never applying for a XXXX XXXX card. Documentation will only be presented in-person under the advice of legal council.
Consumer complaint received 2023-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MD)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 I have the right to privacy. Under 15 USC 1604 Section 2 a consumer can not report a personal financial account without my approval. 15 USC 1666B a credit agency can not report my account as late for any purpose.
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have attempted several times to have a judgement removed from my business credit profile. I have sent the signed stamped satisfaction lien to Experian business and they are falsely responding that they can not verify the information. then they require that nothing is disputable unless your PURCHASE a report from them. I subscribe to XXXX and XXXX XXXX XXXX and I receive my experian report yet they refuse to accept and have made me pay {$39.00} twice just to dispute my information. i feel that they deliberately report inaccurate information so that consumers like my small business is forced to purchase their reports. A consumer should always be able to verify and dispute inaccurate information.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S.B.S. Trust Deed Network (CA)

SBS Lien Services was hired by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX to foreclose on my condo XX/XX/XXXX. The alleged amount owed was wired under protest in accordance with the instructions provided by SBS Lien Services. ( 1 ) -In XX/XX/XXXX, my former HOA account with XXXX  XXXX XXXX assessed a NSF check fee because SBS Lien Services issued a NSF check. ( 2 ) -On XX/XX/XXXX, my current HOA account with XXXX  XXXX also charged a NSF check fee due to SBS Lien Services issuing another NSF check. ( 3 ) -In total, SBS Lien Services sent two NSF checks. ( 4 ) -On XX/XX/XXXX, XXXX XXXX updated the California Secretary of State ( Ca SoS ) website by associating a business entity from a XXXX XXXX with the same name and a similar address with the information of XXXX XXXX  XXXX in XXXX XXXX. ( 5 ) -On XX/XX/XXXX, XXXX posted a wire transfer ( HS # XXXX ) of {$50000.00} to my account. Finally, SBS Lien Services transferred the money that I had wired on XX/XX/XXXX. ( 6 ) The NSF check fees and late fees have not been reversed. ( 7 ) -On XX/XX/XXXX, XXXXa filed a Registration of Unincorporated Common Interest Development Association with the Secretary of State ( SoS ) for XXXX XXXX  XXXX in XXXX XXXX. Yes, XXXX just filed it yesterday, XX/XX/XXXX. 

( A ) -What information did SBS Lien Services lack from the HOA that prevented the timely disbursement of funds? ( B ) -Which identification documents did SBS Lien Services use to verify that the " HOA BUSINESS ENTITY '' involved in the foreclosure was a legitimate entity operating in California in XX/XX/XXXX?
Consumer complaint received 2023-09-04
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. (IA)

In accordance with the fair route credit reporting act 15 USC 1681 section 602 a states there is a need to ensure that consumer reporting agencies exercise the grave responsibilities with fairness and impartiality, and the respect for consumers rights to privacy. Equifax and XXXX are consumer reporting agency and I am a consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states it is the policy of the Congress, that each financial institution has an affirmative and continuing obligation to respect the privacy of customers to protect the security and confidentialities of those customers nonpublic personal information XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subsection see any consumer reporting agency may furniture consumer report under the following circumstances, and no other : in accordance with the written instructions of the consumer, to whom it relates XXXX XXXX the financial institution, and the consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXXXXXX XXXX whether it be verbal nonverbal written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a financial institution, may not disclose nonpublic personal information to nonaffiliated third parties, unless the consumers, giving an explanation of how the consumer can exercise that non-disclosure option XXXX XXXX Never informed me of my right to exercise. My non-disclosure option. Not only that 15 USC 1681C. ( a ) ( 5 ) states except as authorized under subsection be no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years this account is an adverse item. They are reporting again without my permission, and it is against the law. 15 US code 1681 S-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable cost to believe the information is inaccurate 15 US code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681C of this title, and to limit the furnishings of the consumer reports to the purposes listed under section 1681B of this title Equifax and XXXX are not mean tanning reasonable procedures. also 12, CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am opting out of their reporting services.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

FULL CONSUMER FILE DISCLOSURE REQUEST PURSUANT TO 15 U.S.C. Section 1681g ( a ) ( 1 ) ( Not Request For Credit Score Report ) To Whom it may concern.

Kindly furnish me, in written form, with the complete array of information contained within my consumer file at Experian, XXXX, and XXXX. effective as of the date upon receipt of this letter. This directive stands unaltered in accordance with the provisions outlined in 15 U.S.C. section 1681g ( a ) ( 1 ), and it remains subject to the purview of 15 U.S.C. section 1681h. I request that the initial five digits of my Social Security Number be discreetly masked in all documents that are returned to me. 

Furthermore, I hereby demand the following : 1. In compliance with the mandate set forth in 15 U.S.C. section 1681g ( a ) ( 2 ), provide a comprehensive list of all sources from which information has been gathered for inclusion in my consumer file at Experian, XXXX and XXXX. 

2. As per the stipulations of 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ), furnish the requisite identification details of each individual or entity that has sought a consumer report on me from Experian, XXXX and XXXX. 

XXXX. In alignment with the provisions of 15 U.S.C. section 1681g ( a ) ( 3 ) ( B ), supply the name, trade name, mailing address, and telephone number of every person identified under 15 U.S.C. section 1681g ( a ) ( 3 ) ( A ).

4. In accordance with the dictates of 15 U.S.C. section 1681g ( a ) ( 4 ), present a detailed record inclusive of dates, original payees, and amounts pertaining to any checks within my consumer file at Experian that have been employed to cast an adverse characterization upon my credit profile.

5. Pursuant to the parameters delineated in 15 U.S.C. section 1681g ( a ) ( 5 ), furnish an exhaustive record encompassing all inquiries received by Experian, XXXX and XXXX. in the preceding year ( 12 months ) leading up to the receipt of this request. Such inquiries should be linked to my identity in relation to credit or insurance transactions that I did not instigate. 

This request explicitly seeks a comprehensive disclosure of my entire file, encompassing both obsolete and archived information, in accordance with the allowances granted by the Fair Credit Reporting Act. It is essential to note that this represents my initial full file disclosure request for the current calendar year directed toward Experian, XXXX, and XXXX. 

I extend my gratitude in advance for your prompt and meticulous attention to this matter. 

Sincerely,
Consumer complaint received 2020-04-17
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Skopos Financial, LLC (MO)

I have filed with XXXX XXXX for consolidation, notified XXXX XXXX about it. They keep threatening me and harassing me calling me up to 10 times a day saying if I dont make a payment they will file litigation. I have advised them to contact my debt consolidation company and they refuse saying they dont work with them as they are a private company. They just continue to Harrass me.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION ''15 USC 1962e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A REPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2023-09-05
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

I was given a gift card for {$250.00} from US BANK sold at XXXX XXXX XXXX. I tried to use the gift card at XXXX. It was declined multiple times. A call to customer services requested I send fax documents. I faxed the documents multiple times, they were rejected for reasons beyond my control. They refuse to reactivate the card or send a replacement. I send a copy of front/ back of my Driver License and a copy of the front and back of the gift card to show proof of ownership.
Consumer complaint received 2023-09-04
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: Experian Information Solutions Inc. (VA)

Here is my two 1099 C copy B from XXXX XXXX at XXXX XXXX. This should show that not only did the IRS accept my tender of payment, but XXXX XXXX at XXXX XXXX sent me two copies. Please take this student loan debt off of my credit report as soon as possible. My debt has been paid.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (NC)

In accordance with the fair credit reporting act, American Credit Acceptance 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-09-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (FL)

Medicredit is out of control time and time again they send me letters from an account that has already been disputed here by another collection agency, even by medicredit as well and the case was closed by CFPB after my complaint, Medicredit did NOT comply with the requirements that I requested and now they come back to collect an account that I supposedly owe but they do not show detailed proof of my request, my lawyer is pending to take action against Medicredit
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

In accordance with the Fair Credit Reporting Act, WELLS FARGO DEALER SERVICES ACCOUNT # XXXX has violated my rights.

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A - Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account that is under an open-ended consumer plan as late for any purpose.