davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc. (FL)

A.R.M. Solutions is trying to collect a debt of {$100.00} for XXXX XXXX XXXX from XX/XX/2022. 

I spoke with an ARM representative multiple times & told them that I did not agree to this service and it was preformed when we were selling our home. Apparently XXXX auto-renewed our plan with them and sent someone out without our consent, performing treatment while we were not home. I told both XXXX & ARM that if they could provide me with documentation of my agreement to this service, I would pay the bill. I have not received any response. 

I called both companies today to make sure this was resolved. Each company told me they could not help me and that I would have to call the other company.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/XXXX, I received a transaction that equated {$450.00} from an XXXX XXXX on PayPal. This was sent with PayPal 's Friends and Family service, which is a payment method used for gifts of money that are not intended to be disputed with. On XXXX XXXX, I received an email stating that XXXX had opened an " Unauthorized Transaction '' case against me, along with a message that XXXX used as a scare tactic against me. 

" Hello XXXX. As you probably know, you may show a transaction in error. We are working to correct this issue for you. You can reverse the payment in order to speed up the process, and reduce the risk of federal violations associated with the RICO act. 

I had confirmation from the sender himself that he had meant to send this transaction. I uploaded all of this information on XXXX XXXX XXXX XXXX. On XXXX XXXX I received an email from PayPal stating that the case was closed in my favor and that the matter was done. After all, I had substantial information that the case was not an unauthorized transaction. 

On XX/XX/XXXX, nearly a month after the dispute was initially resolved, I received an email stating that PayPal was charging me for the money, as well as charging me a {$15.00} dispute fee. I called PayPal about this and requested more information about what happened, especially since I thought it was ridiculous that I was being charged for a matter that was resolved one month prior. PayPal simply told me that the other bank had new information that resulted in the charge-back going through, and did not provide me any more details on what happened or why the case was being resolved in this way. I thought PayPal had done proper research into this matter, and I just want to see if there is a resolution to this matter, as I thought PayPal would back me up on this.
Consumer complaint received 2023-09-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

XXXX started as Servicer as of XXXX didn't start receiving payments until XXXX, and then added a Assignment of Mortgage to our Record of Deeds XXXX under the understanding in order to continue to collect XXXX XXXX XXXX  Payment they had to ( Per XXXX XXXX representative ) XXXX there is no Mortgage, and then there is the Loan Modification showing Noteholder and Investor is XXXX, XXXX has also acknowledge Assignment of Mortgage was done in error and they can't release the Lien, after over XXXX years of XXXX advising there is no Lien, but because they sold the Servicing Rights they can not correct the Assignment of Mortgage or Lien Release because they sold the Servicing XXXX now the new Servicer Select Portfolio refuses to acknowledge letter from XXXX and the letter from XXXX advising no Lien and that XXXX is Noteholder Not XXXX. 
XXXX who was our previous Servicer has also acknowledged that even though this is a Residential Mortgage Back Securitized Loan with a pool number of ( XXXX ) they never paid anything under our pool number into the Mortgage Pool or directly to our Noteholder and Investor XXXX, also per XXXX they never received any Payments from XXXX or SPS. 
Assignment of Mortgage shows Mortgage holder is XXXX, XXXX, as XXXX, In Trust For Registered Holders of XXXX Asset-Backed Certificates XXXX XXXX XXXX XXXX, which is just another name for XXXX XXXX XXXX Bank , also according to SPS doing our Foreclosure procedures acknowledged that XXXX has been our Noteholder and Investor Since XXXX, again stressing that XXXX has acknowledge that they are not the Noteholder and Investor and they made an Error when they added the Assignment of Mortgage and per XXXXXXXX XXXX they also advised they sent the documents to SPS in XX/XX/XXXX to have Lien removed and to correct the Assignment of Mortgage, we also sent the same documents XXXX, to SPS, still no Correction.
Consumer complaint received 2024-05-31
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. (DE)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

I have 3 accounts through Synchrony Bank ( Care Credit, American Eagle, and Ashley Furniture ), plus, much to my dissatisfaction, they run Venmo. I was charged a late fee after not being able to access my accounts. I called and resolved it through customer service, but that, in and of itself, was a hassle. I explained to the representative that the website was down for months. I can technically log in with my credentials, but all that pops up after the login is an error page saying the site is experiencing technical difficulties. This has been going on for months now. I cant access my profile information to update my address or email, and I cant see my available credit lines or balances. 
I wrote a complaint on XXXX website in XXXX and someone from Synchrony said they would be in touch. Its XXXX and no one has reached out. Their site is still down. If they had a physical location, I would have already gone, but thats the disadvantage everything has to be handled through a phone call that takes entirely too long. Wait time is awful, and you can tell the representatives are feeling just as burnt out.
Consumer complaint received 2022-11-27
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. (PA)

I was viewing my consumer report and noticed accounts, names, inquiries, and addresses that I do not recognize I did not give any person or company permission to furnish anything on my consumer report. These companies are in direct violation of the fcra and the fdcpa according to 15 usc 1681 ( b ) ( 2 ) these companies need my permission to furnish my personal information on my consumer report which they do not have. They also violated my right to privacy according to 15 usc 1681 ( a ) ( 4 ) These companies know the law and they are blatantly disregarding federal law while knowing and understanding 15 usc 1611. I demand these companies removed all disputed and inaccurate information on my consumer report.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

A payment to Infiniti Finance for XX/XX/XXXX was reported as late to 2 out of 3 Credit bureaus. One of the Credit bureaus shows my account was updated on XX/XX/XXXX with no issues reported. The other 2 bureaus show I was late 30 days. This is the 2nd time this has happened with this company. I made my final payment to satisfy my XX/XX/XXXX balance on XX/XX/XXXX. It wouldve been considered 30 days late as of XX/XX/XXXX. The e mail confirmation sent to me states that the payment I made on XX/XX/XXXX would be effective on XX/XX/XXXX but it is showing as XX/XX/XXXX hence making me 30 days late. The exact same thing happened last year with this company. This issue caused me to be denied a mortgage and my credit rating went down. I am unable to secure financing for a car with a manageable interest rate due to my score being lowered by over 30 points. I reached out to the headquarters of Nissan Motor Acceptance Conpany and was told to wait 30 days. I will be homeless in 30 days if this is not resolved.
Consumer complaint received 2023-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/23 I inquired the scammer about a rental apartment unit they advertised on XXXX. The following day, XX/XX/23, they requested a {$75.00} application fee be sent via XXXX in order to process my submission. After they approved the application, they requested {$1000.00} sent via XXXX as a down payment. We agreed on me sending {$500.00} first, then the remaining {$500.00} after I received the keys and legal documents for the rental unit. They sent pictures of their alleged photo ID to " verify '' their identity and authenticity. However, after I sent the {$500.00}, they insisted on me sending the additional {$500.00} via XXXX before any further action. At this point, I tried reversing the transaction, as they repeatedly stated that all payments made were refundable. They refused to send my money back unless I sent them an additional {$100.00} via XXXX. They claimed their bank would not allow them to send the money unless I was in their transaction history, thus the {$100.00} XXXX request. I did not send any additional money and filed complaints and disputes with my bank, J.P. Morgan Chase, the FTC, New York 's Attorney General 's office, and XXXX on XX/XX/23. None of the aforementioned parties have contacted me since.
Consumer complaint received 2024-05-31
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-08
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. (GA)

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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (GA)

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

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

I recently reviewed my consumer report and noticed an incorrect late payment record on my ALLY - XXXX :. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-10-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for an investigation of the accounts, which you denied. I submitted sufficient information for you to perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually, I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have never been late on these accounts so please remove the late dates on these accounts ASAP.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OneMain Finance Corporation (CA)

I applied for a loan got a call from a XXXX XXXX said he was a lender for onemain financial said I was approved for a loan amount of {$5000.00}. Gave me interest rate loan payment amount. He then said he needed to verify my cellphone number and began to text me he asked to verify checking account number and routing number to him asked if I had a savings account then asked for the last 4 of social security. I have all text messages from onemain financial. He told me he was going to deposit {$830.00} to have my bank verifies account. He calls me back and said funds are in savings account I asked why in there it was to secure money and for me to withdraw it and {$250.00} will be put into my checking account and to send back to onemain financial so they can deposit {$5000.00} minus the {$830.00} I got notification that I was overdrawn my money from checking and savings account. He went in changed my online username and password. I called onemain financial local branch XXXX XXXX XXXX XXXX to ask why funds was taken she asked for my loan number which I never got then asked for my ss # she started laughing and said well your a victim of onemain financial fraud and said you are not the only one. This has destroyed my life my bank has froze my accounts will not release my social security income I'm XXXX that's my only income it's going on 3 weeks with no answers from anyone. This person has hacked into my XXXX XXXX XXXXXXXX and XXXX along with my cellphone provider. I can not pay anything until my bank furthers the investigation.
Consumer complaint received 2024-06-06
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: ALLY FINANCIAL INC. (MD)

I was looking over my consumer report and found hard inquires that i do not recognize. According to the 15 USC 1681 law the companies are violating my consumer right to privacy and the companies has no permission to report anything using my information.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (GA)

This Person ( Genesis FS card services/ Destiny Mastercard ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (CA)

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-10
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. (GA)

PLEASE DO NOT REPLY AS VERIFIED, HOW CAN FRAUD BE VERIFIED, I ALSO HAVE SUBMITTED ALL NECCESSARY DOCUMENTS 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 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) 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, 15 U.S.C. 1681, 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 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, 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 Name XXXX XXXX Date XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX