davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
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: TRUIST FINANCIAL CORPORATION (DC)

We have our mortgage and HELOC valued at {$100000.00} with BB & T, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX XXXX using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit agencies as 30-days past due. 

We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely removed.
Consumer complaint received 2020-10-27
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. (MI)

My credit score recently dropped 24 points for no reason I can figure out. All payments have been on time and I've made no errors. Ive been monitoring it closely and everything that influences my credit score is positive so a drop in my credit score is surprising. But a drop by that much is ridiculous. Please assist me.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (KY)

left an apartment called XXXX XXXX in XX/XX/XXXX ending, after giving leave and sublease notification of 3 months. Then the apartment was subleased to another tenant, who occupy this apartment since XXXX XX/XX/XXXX. 
He paid the rent for that month of XXXX. Later in XX/XX/XXXX, I was called by the apartment 's new manager that I was owning them, which clear me from the debt after he confirmed that I was not occupying the apartment room as of XX/XX/XXXX. Unknown to me he has sent my name and information to a credit collector called Carter-Young Inc. Then I was told my name was sent credit collector, but they did not clear me from this dispute. This has been hindering my XXXX XXXX since XX/XX/XXXX. And has an untoward effect on the financial situation. 
The name of the credit collector is Carter Young Inc. 
The name of the occupant of the room in XX/XX/XXXX was XXXX XXXX ( MD ) The name of the apartment is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates, LLC ( PRA ) purchased a credit account I had with XXXX XXXX XXXX  on XX/XX/XXXX. 

On XX/XX/XXXX PRA received ( confirmed by USPS certified mail ) a request to provide documentation validating the debt PRA claims that I owe them.

" Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. Please provide me with the following as required, per 15 USC 1692g
Sec. 809 - Validation of debts : - The amount you claim I owe you.

- Explain and show me how you have computed the amount.

- Send me the copies of any documents that prove I agreed to pay the alleged amount.

- Identify the original creditor.

- Confirm that the account has not crossed the SOL period - Prove that you're a licensed debt collector - Show me your license numbers and registered agent. '' In response, PRA has provided documentation showing that PRA purchased from XXXX XXXX XXXX this credit account on XX/XX/XXXX at a claimed balance of {$1400.00}.

Additionally, PRA provided only two statements from XXXX covering the periods of XXXX and XXXX. 

On XX/XX/XXXX PRA received ( confirmed by USPS certified mail ) a letter in response to me stating that PRA had not provided documentation legally required under the Fair Debt Collection Practices Act to validate the debt they claim I owe them. In the initial request for validation I clearly stated, " I would also like to request, in writing, that no calls should be made by your agency or
company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no
option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. '' PRA 's response was to send a letter, to my mother 's address, with even less documentation, simply resending the document showing the PRA had purchased this credit account from XXXX XXXX  XXXX  with no additional documentation beyond that at all.

PRA clearly is unwilling or unable to provide the legally required documentation to validate their claim to this debt. Despite that, PRA continues to report to at least one of the 3 major credit reporting agencies a " MAJOR DEROGATORY '' associated with this credit account.
Consumer complaint received 2024-09-09
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-10-27
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. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-09
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (NV)

On XX/XX/2020 I called US Bank per my rights in Regulation E, I filed a dispute for a company that charged money from my account without my permission. 
It seems that the agent placed a stop payment against the merchant without me requesting the stop payment. 
On XX/XX/2020 I was charge an Analysis Service Fee by US Bank ( invalid charge ), I was checking the US Bank website and there is nothing about Analysis Service Fee. 
On XX/XX/2020 I called US Bank Business Depto about the Analysis Service Charge and I spoke with XXXX, he said that when I filed the dispute a stop payment was placed against the merchant and that is the Analysis Service Charge for. 
I never requested the stop payment and I think is against Regulation E to charge for a dispute process even for any fee related with the dispute process. 
This is the second time that this happens to me with US Bank and the agent mentioned that it will continue happening because if a stop payment is placed on my account in the dispute process the Analysis Fee will be charged the next month post the dispute request and then I have to call and deal with all this situation to get refunded for the fee. 
On XX/XX/2020 I requested the refund and the agent said that I have to wait 1 or 2 business days to get the money back, money that US Bank charged incorrectly for my account. 
Now US Bank is moving my money and using it without paying interest and I am sure that there is a lot of clients having this issues as well.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

This card was a unrequested/presumed fraudulent debit card - Reliacard - sent out by USBank, in my name, to my address with a different DOB than mine. 

Cardholder services were contacted - they said they closed the card and recommended that I contact Ohio unemployment services - which I tried SEVERAL TIMES - they were never available, or able to assist with documenting the error/fraud- just overwhelmed by COVID related claims. 

Just concerned that the information was obtained/sent in the first place
Consumer complaint received 2024-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL (PA)

I am writing to express my deep concern and frustration regarding the recent, unannounced, and unjustified reduction of my PayPal credit line by {$2000.00}. This action has taken place without any prior notice or explanation, leaving me in a difficult financial position. 

I believe this reduction is unfair and deceptive. It is particularly troubling as none of my other credit lines have experienced such arbitrary and sudden decreases. This inconsistency suggests a lack of transparency and fairness in PayPal 's credit practices. 

I kindly request that you investigate this matter thoroughly and reinstate my original credit line. I would also appreciate a clear explanation for this unexpected reduction. 

I expect a prompt and satisfactory resolution to this issue. I will be closely monitoring this situation and may consider further action if necessary. 

Thank you for your immediate attention to this matter
Consumer complaint received 2021-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (ND)

Portfolio Recovery keeps contacting me after I have told them that the {$400.00} debt, ( they list that I owe on my Credit Report ), is not mine. I have disputed this amount several times, with them, just to be ignored time and time again. I have even sent them nominal payments to remove this adverse mark. Covid 19 has not helped my monetary situation to continue to send them, even, a minimal amount to get this off of my Credit Report. They call day and night, and every day of the week. They even call me and hang up. They call and just sit there listening to the background. This negative Credit item will be removed XX/XX/2021, but the calls are ridiculous. My peaceful privacy has been abused.
Consumer complaint received 2021-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

My amount different for principle I paid {$510.00} over the phone date XXXX but showing only {$480.00} My loan transfer from XXXX XXXX in XXXX. I did not request for Pay off, I instructed cooper do not issue payoff with out my approval. Pay off amount should added when closing happen, i am not satisfy with Mr Cooper the why doing business.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

The credit bureaus stated my account was properly investigated but HOW?! Is that possible if collections accounts are being reported as open, the date last active is inaccurate, the date last active is inaccurate and amount is inaccurate! this grounds for removal also this violates my rights as a consumer under 15 usc 1681 sec 602a states I have the right to privacy.

15 usc 1681 sec 604a sec 2 : it also states consumer reporting agency can not furnish a account without my written instructions. Also credit bureaus took more than 30 days to complete my investigation heres my certified mail tracking XX/XX/2023 # XXXX # XXXX # XXXX XX/XX/2023 # XXXX # XXXX # XXXX # XXXX # XXXX XX/XX/2023 # XXXX # XXXX # XXXX
Consumer complaint received 2021-01-16
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. (TX)

The following and attached is additional and further proof of fraud on XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX continues to deny fraud but they can not deny they didnt have permissible permission to access my credit report for this loan. XXXX  XXXX XXXX XXXX continues to refuse sending copy of their permissible permission to access credit together with copy of the dated credit report. REGARDLESS, REVIEW THE FOLLOWING AND ATTACHED FURTHER PROOF OF FRAUD. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report against XXXX XXXX XXXX. She uses many names including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was arrested for False Pretenses and Forgery in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits and a picture of her in a magazine article XXXX XXXX XXXX XXXX. See attached. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XXXX. She stole XXXX Card, 2 XXXX XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX Mobile Phone account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. See attached XXXX XXXX XXXX XXXX credit applications for the two cars. See all inconsistences plus XXXX email address and phone number. XXXX XXXX XXXX added herself to many of my accounts falsely pretending to be my wife and impersonating. The fraudulent XXXX XXXX XXXX XXXX loan was and is not mine. It is obvious to anyone that XXXX XXXX XXXX is a con artist, forger, credit card abuser, and guilty of false pretenses as evident in her arrests.
Consumer complaint received 2020-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MD)

Experian ( Report # XXXX ) RE : XXXX XXXX # XXXX I am demanding a validation of the alleged debt from your agency in pursuant 15 USC 1692g. I demand the original copies of the signed credit application from the initial creditor, the exact amount of the alleged debt, a clear and concise explanation of how you calculated what you say is owed, copies of all or any documents that prove that I agreed to pay what you say is owed, cashed checks used for bill payments, and identification or the original creditor including the accurate contact information.

I demand an affidavit form to be sign and notarize by a senior executive verifying that upon your investigation the certified debt belong to me. In pursuant of 15 US Code 1692g ( 4 ) I demand verification of the debt and copy of such verification to be mailed to the consumer. I demand verification of all relevant information and any documents your agency retrieve from the creditor. I demand to know how can your verify a debt is accurate for a consumer? I demand a copy of your investigation report placed in my credit report and credit file. If you fail to properly verify the enclosed requested documents and this alleged debt continues to be furnished on my credit report and credit file. I shall not hesitate to sue you for damages Under the Fair Credit Report Act. Your credit report and file contains inaccurate information as a result of fraud. Unverifiable information must be removed immediately. Also, the credit bureaus shall refrain from adverse reactions such as decreasing credit scores 32 points as a form to intimidate, strong-arm, and taunt a consumer. Credit bureau shall refrain from adverse reactions against the consumer for disputing inaccurate information. I demand that my credit score be restore to XXXX.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (VA)

Earlier in 2020, my friend opened an account with a gym. At that that gym ( XXXX XXXX XXXX XXXX required that he have a credit card on his account. He did not have his credit card with him so I authorized to place my card on his account. I was assured that after he called in with his credit card info, my card would be removed. 

In XXXX I was charged for his account. As soon as I noticed the charge, I messaged them to remove my credit card info. They assured me that they would handle the matter. 

Then the presence of covid required quarantine and gyms closed for a few months. When they opened in XXXX, XXXX XXXX XXXX charged my card 4 times for a total of {$350.00}. I was very angry and immediately messaged and emailed them demanding that they reverse the charges. 

Their response to me ( attached as proof ) was that : 1 ) They would not remove my card until they had another card to replace it.

2 ) They claimed to have only charged my card three times totaling {$250.00}.

The only thing that I felt I gained from the interaction was the fact that they admitted via email that the account I was being charged for was not mine.

Still frustrated, I contacted my bank ( Discover Bank ) to dispute the charge. They took my info and gave me a provisional credit. 

But fast forward to today and they reversed that credit siding with XXXX XXXX XXXX. They even reversed the forth charge that XXXX never admitted to having!
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

i sent a letter to transunion on XX/XX/2020 because of them not marking XXXX XXXX XXXX  item as disputed within 30 days, ITS A VIOLATION AND NEED TO BE DELETED BEFORE I CONSULT A ATTORNEY.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Equifax did not do what they are expected do. Equifax is knowingly reporting an account that can not be completely validated or verified. 

XXXX XXXX XXXX XXXXs reappear on my credit report without notice. A violation of FCRA rules. 

XXXX XXXX XXXX XXXX was removed and has been reinsurted without a letter of reinsertment. 


Please see attachment
Consumer complaint received 2020-08-21
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: Nelnet, Inc. (CA)

I have a loan with US DEPT ED, XXXX XXXX, and USDOE/GLELSI. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, US DEPT ED, XXXX XXXX, and USDOE/GLELSI  with no successful resolution. There was definitely an error on their part.