davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (MN)

Back in 2020 before I was XXXX there was a first progress credit card opened in my name and charged off. I have disputed it with first progress multiple times with them saying itll be off my credit with no change I have reached out to their fraud department and get a runaround of they cant do anything. I have reached out to the three credit bureaus in efforts of disputing this with minimal success. My identity was stolen, and the creditor is not working with me for a resolution. The remaining balance went to collections, which I did take care of, in efforts of getting it off my credit, because I was told that is the only way. They are still updating four years later on a closed account and is not helping me take care of this fraud. First progress also opened a duplicate account with the exact same information being reported so I have two accounts being reported on my credit when I should have XXXX with this creditor
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

PayPal is holding my money in my PayPal because they want to scam the consumers. I dont have any charge backs or complaints from customers there is absolutely no reason for PayPal to hold my money for 180 days. Something needs to be done to stop PayPal from these scam practices. 

When all is said and done, if you think this was outrageous behavior ( besides behind illegal ), please contact your elected officials ( congress people and senators ) and tell them what Pay Pal does and demand that the department of treasury be instructed to take action against Pay Pal. They're not a bank and they shouldn't be allowed to act like one, XXXX
Consumer complaint received 2024-07-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (AL)

XXXX. 
XXXX XXXX. 
Rocket Mortgage XXXX  of these happenings happened between the time of XXXX, and XXXX of XXXX. 


I tried to change insurance. Informed Rocket Mortgage that I would be changing and making payments myself and not through escrow. They got in contact with my insurance company and paid XXXX XXXX dollars without my permission, and with explicit disregard for what I had previously told them not to do, to XXXX XXXX  for a yearly payment of my inusrance. When instead I had already set up a monthly autopayment for my insurance. They sent the XXXX unbeknownst to me to set it up through escrow. Again, without my knowledge, and expressly against my permission. I then called XXXX XXXX to get the money sent back. The receptionist said " okay it'll be reflected soon on their system '' and I left it at that and waited. It'd been a week and I got worried and called Rocket mortgage. They told me that it wasn't through yet, and assured me the refund would reflect in my bank account. It never showed. I called to make a payment so I wouldn't be late on my mortgage, and even paid towards the balance of the escrow in good faith. It still then didn't change. XXXX XXXX has no recollection apparently of where the money is, or went, and if it was meant to be refunded, when I specifically called to get a refund a a month ago. XXXX hasn't reflected any refunds into my account. XXXX XXXX says they don't know where it is, and Rocket Mortgage. The people that started all of this, are trying to absolve themselves of any wrong doing in the first place, and have begun to impact my credit from late payments. I refuse to pay them. Neither company will come forward and admit wrongdoing. I can't afford to pay the extra they want and my mortgage. Now I'm falling behind in my mortgage payments, and taking hits to my credit. I'm actively taking Rocket Mortgage to small claims court as we speak for the damage to my credit. They haven't received payments, when all other parties say that they have. I'm just caught in the middle of multi-XXXX  dollar companies having a fight and am going into debt, and most likely foreclosure, because of it.
Consumer complaint received 2023-08-27
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. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a 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 instruction.

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 and 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 2024-07-01
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: General Motors Financial Company, Inc. (MA)

I returned the vehicle to GM Financial because vehicle was a total lemon. They sold vehicle & sent me a bill for balance of XXXX. Told bank to send me itemized bill with a 1099c & was told by Gm financial employee XXXX twice that he does not have to send itemized or XXXX & he said he sent me a bill. I have disputed this with XXXX XXXX, XXXX multiple times each to no avail. This is hurting my credit & as a consumer requesting itemized balance owed multiple times I just wanted to validate the debt by an itemized bill. This has been over a year I've constantly been disputing this with GM financial & all 3 credit bureaus.
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Steven R. Hrdlicka, Attorney at Law (CA)

I received a notice from XXXX XXXX regarding a lien that has been recorded against me in the recorder 's office. The notice includes a copy of the liens and states that only the person who placed them can remove them. The document is titled " Notice of Delinquent Assessment Lien. '' The attorney who brought this action against my properties originally filed and recorded on XX/XX/XXXX, for {$5000.00} for both lots. 

On XX/XX/XXXX, the same attorney recorded an Amended Release of Notice of Delinquent Assessment Lien, indicating that nothing is owing on both lots. However, I have received another letter from XXXX XXXX stating that the same attorney has reactivated the same lien and fees on both properties, with an attempt to foreclose on my home and lot. 

On XX/XX/XXXX, I sent a letter to the property management company and their attorney requesting them to cease and desist from what seems like harassment. On XX/XX/XXXX, I also sent a letter to the property management company and the board of directors, but it was ignored. Since then, I have received another lien from XXXX XXXX, and their attorney has filed the same lien against my property for the same issue that they had released before. At this point, I am not sure what to do, and any help would be greatly appreciated.
Consumer complaint received 2018-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My car was repod on XX/XX/XXXX ... i payed to retrieve my car on XX/XX/XXXX. Was unable to physically pick up my car until XX/XX/XXXX bc my car was shipped to auction with the intent to sell prematurely. After getting the run around and having property stolen out of my car which a police report was filed. I was still within my 15 days of redemption. The finance company XXXX XXXX XXXX reported on XX/XX/XXXX that the account was closed and a reposession was placed on my credit report. After i spoke with them repeatedly during the XX/XX/XXXX-XX/XX/XXXX time frame and treated like i personally stoke money owed each rep they said the account was still open and now i have {$3000.00} additional added to my already high car loan and when Im only late around {$1400.00} and i paid {$560.00} to get my car back. This is legit a predatory lender and they lie to get the funds they want. Im already paying extremely too much for a car that was a lemon when they financed it and have spent well over {$2000.00} in the last 3 months to fix it. Regardless of late payments i dont need incorrect information reported on my credit report. I would like this resolved just as quickly as it was reported. Since yall were so quick to try and sell my car before my time was up. I already called and was to have someone in credit reporting look into it yet all i get was remarks. No the loan is still open and i would like it reported accordingly.
Consumer complaint received 2024-06-26
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. (IN)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (PA)

On XX/XX/year> I, XXXX XXXX signed up for a month to month membership with XXXX XXXX. Because at the time I was working a temporary assignment less than five minutes from the gym. The gym was nowhere near where I live. so before signing up for the membership, I asked them what was their cancellation policy. They said that I can cancel the membership anytime within the first 30 days and also suggested that I sign up for their month to month membership. So that way if I was no longer working in the area, I can also cancel the membership. Unfortunately I was laid off. I informed them that I was no longer working in the area and I had to cancel my membership ( which hasnt hit 30 days ) I was told to come in to sign a cancellation form. I let them know because of circumstances at the time I couldnt make it up there and I was no longer working in the area. I asked could I sign it via email or fax. They said they couldnt accept email or fax and that I could mail a letter request to cancel my membership. I mailed them a letter stating that I, XXXX XXXX was canceling my membership within the first 30 days because I was no longer working in the area. I let them know I mailed out the cancellation request but they continue to withdraw payments. I then called the third-party company that was charging my debit card to inform them that I do not give consent to them to charge my card because I canceled my membership within the first 30 days. They stopped charging my card but continue to charge me biweekly for the membership and started calling me repeatedly to collect payments. They also threatened to send this to collections and that this will go on my credit report. Now I have Kingston Data and XXXX representing XXXX XXXX flagging my collections for {$300.00}. On my credit report. This has dramatically affected my credit scores. I attempted to solve this financial burden in every way possible, but have not been treated fairly by these companies.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section XXXX { a } { XXXX } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C XXXX, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX Date XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-06-28
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. (MO)

In XX/XX/year>, I received letter in the mail from my bank regarding unauthorized transactions that were not commenced by me. I noticed inquires and a credit card account that had been sitting on my credit reports for a while. I found out immediately after being notified ad calling the companies connected to the accounts, and they confirmed that it was by a person I was previously dating. I called him and he admitted to the fault with ambiguity, vagueness, and lack of conviction. His actions have damaged my consumer reports by lowering my credit scores, causing credit accounts I've had with other creditors to be closed, and causing my credit limits with other credit card accounts to be cut and lowered by maxing out my accounts. I demand that the unauthorized accounts and inquiries being reported be block and removed immediately in accordance with section 605B ( 15 USC 1681 c-2 ) of the Fair Credit Reporting Act.
Consumer complaint received 2023-08-27
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. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have a 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 instruction.

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 and 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 2024-08-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

In XX/XX/XXXX I went to a bar and my total was {$50.00} with tip included. A couple days later my account was charged {$110.00}. I went to dispute this charge and the bank gave me a credit of {$66.00}. They wanted a receipt for the purchase but I dont have it because I dont keep dining receipts and I cant go back and get one because this bar is in another state. I called the bar but no one answers the phone. On XX/XX/XXXX I saw the bank sided with the bar and charged me ANOTHER XXXX. If my bank was going to side with them why would you charge me again full price? The price yall should have charged me should have the {$66.00} not another XXXX.
Consumer complaint received 2024-08-04
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. (OK)

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 XXXX XXXX XXXX. 

ACCOUNT NAME. ACCOUNT NUMBER XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX states : I have the right to privacy. 

XXXX XXXX XXXX section XXXX section XXXX states : a consumer reporting agency can not furnish an account without my written instruction XXXX XXXX XXXX ( a ) ( XXXX ) Section states : no consumer reporting agency XXXX make any XXXX Report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which anteater the report by XXXX years. 

XXXX XXXX XXXX ( A ) ( XXXX ) states : A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to the believe that the information is inaccurate. 

XXXX XXXX XXXX ( b ) ( XXXX ) states : A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed XXXX XXXX of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I got an email from TransUnion for ID XXXX with TransUnion Credit Report and Monitoring Order number XXXX. 

I did not ask for this, I did not start this transaction. 

I attempted contacting them via their website chat. Even after waiting for the long wait times, XXXX minutes, when the representative connected they ignored me and I had to hop back in line. I tried calling them. The function to allow them to call me back did not work. So I had to stay on the phone. Instead of letting me hold, they required me to press XXXX every XXXX seconds to confirm that I still wanted to wait on the phone. If I didn't, they would hang up. When I finally got in touch with a representative, they did not understand what I was asking. 

I just wanted to make this report because I feel like TransUnion is making it difficult to use their services by design. Services that I don't even want to be a part of but am forced to.