davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (VA)

This pertains to a potentially fraudulent debt collection issue involving the XXXX XXXX. 

My lease at the property ended on XX/XX/XXXX. I submitted an intent not to renew in a timely manner, paid my final balances, and scheduled and completed a successful, in-person move-out and walk through process with property representatives. 

The account was closed. 

In XXXX, XXXX, I received a collections notice for XXXX XXXX from I.Q. Data International. However, I was not and would not have been living at the property- my lease was up and I was moved as of XX/XX/XXXX. 

No one from XXXX XXXX ever attempted to contact me at my contact about billing or any discrepancies ( email, phone number, forwarding address ). 

The original collections letter indicated negative impact to my credit score and history. 

In XX/XX/XXXX I corresponded with the XXXX property XXXX with proof of my lease, which ended in XXXX, XXXX, paperwork and photos about my move-out, up-to-date ledger and payment information to show my account had been paid in full upon move-out. I was sent back a ledger for XXXX. As explained, I was no longer a resident, was not living, there, nor did I have an active account. Documentation was provided to the property manager. Attempts at future communication went unanswered or were ignored.

I followed up with I.Q. Data International and then mailed XXXX page documentation disputing the claim to I.Q . Data International as requested to their address XXXX XXXX XXXX, XXXX, Washington XXXX. 

I have a duplicate copy of the disputed claim that was mailed in XXXX, XXXX. 

There was no communication, replies, follow-up communication or attempted communication from either company after I disputed the claim. 

More than XXXX years later, on XX/XX/XXXX, another letter was mailed trying to collect money, with interest and indicating negative impact to my credit history and score. I called the company who refused to provide information over the phone. 

I believe this is an attempt at false debt collection with intimidation.
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Swe Homes LP (AL)

We closed on a home in XXXX AL owned by SWE Homes back in XX/XX/XXXX. We agreed to pay a set amount down which continued to climb right up till closing. SWE agreed at closing that the first month of the mortgage would be waived. However we were still billed for the first month. Out of frustration we declined to pay until we got communication on the account. One month passed with no communication. To forgo getting behind I reluctantly sent a MO for the amount of the mortgage ( roughly XXXX a month ). The company told my wife they were sending it back because we owed around {$4000.00} & they needed the funds all at once. This was in or around XX/XX/XXXX. The company told my wife we would soon go into pre foreclosure. I requested from the company to call me or my wife & discuss the account to avoid it. I or my wife never received any calls. This company claims they report to the credit bureaus however this mortgage does not show on my wife 's credit report or mine. My family is going on 14 months in this home with no payments made. We don't receive bills, calls, or collections. The only information we get is statements in the mail. The company charged us far more interest on the mortgage than I believe is legal. Furthermore the property was refinanced twice before we moved there & I believe this company is attempting to charge us that interest. The whole situation is a wild & unnatural one. I need to know what to do here as this is the only place my family has to go. However I greatly feel this whole situation is a scam & I do not want to be scammed. Please, please help me figure out what steps I should take here.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom this may concern, I am writing to request the removal of unauthorized & Fraudulent credit inquiries on my TransUnion credit report. My latest credit report shows 15 credit inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (DE)

Inquiry details ONEMAIN FINANCIAL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX CO XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX 5 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 inaccurateIn 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
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (NY)

I had made a purchase for {$190.00}, the purchase I made was canceled by the merchant so they refunded the amount back in full to first progress, first progress is stating that they will mail a check out to me in that amount and when I called back first progress stating they mailed out the check in the amount of XXXX but they are not showing me a receipt that it was mailed and I was not given a tracking number, I asked for a supervisor and they transferred me to XXXX  who is now telling me I cant get the money back I is telling me to send a letter of complaint to the bank. Also they are still reporting a balance on my account to all the credit bureau even tho they owe me more money than the balance on my account and its a secure credit car so all the money is mine own money
Consumer complaint received 2024-03-23
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. (SC)

In a recent review of my consumer report I noticed an account ending in XXXX being reported by XXXX XXXX on my consumer report that is not mine. I do have 2 accounts with XXXX  XXXX that are mine and after speaking with a XXXX  XXXX agent by the name of XXXX, I was able to confirm that the account is not my account and that I should reach out to the consumer reporting agencies for the erroneous information, as this is a major violation of rights as a federally protected consumer. It is the responsibility of all consumer reporting agencies to report fair and accurate information in accordance with the 15 U.S. Code 1681e. Having an account that is not mine reporting on my consumer reports is definitely not fair nor accurate. Additionally, going forward, I am opting out of any and all reporting of the account ending in XXXX as it is my right to do so in accordance with 12 CFR 1016.1
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

I filed a claim with PNC bank on XX/XX/2024 about unauthorized transactions that was done on my account, Ive asked them repeatedly to check the atm camera or to at least actually investigate this incident but for some reason my claim keeps being denied for no reason and with no proper investigation this is illegal
Consumer complaint received 2023-05-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX Balance : {$690.00}
Consumer complaint received 2023-08-30
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. (CA)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete 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
Consumer complaint received 2023-05-05
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: MARINER FINANCE, LLC (VA)

I called on XXXX XXXX XXXX XXXX XXXX XXXX in order to get confirmation from them that the account was closed because it's was opened fraudulently due to identity theft. I told them that it was opened when I was a minor, but was told they couldn't close it because it was already paid off & that there's no way I could prove I didn't open the account myself even after I told them it was opened when I was a minor multiple times.
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

I have been a client with PayPal since its XXXX inception. Around XXXX I initiated a line of credit with PayPal Credit. In XXXX of XXXX I discovered that my XXXX accounts were hacked, and thousands were stolen. Around XX/XX/XXXX, I discovered that my PayPal Credit account was also accessed and a XXXX card. All financial Institutions were notified. 
PayPal was very difficult during the process. On XX/XX/XXXX, around XXXX, I attempted to contact PayPal beginning with Customer Service XXXX I was transferred twice, and disconnected. Between XXXX XXXX XXXX, I contacted PayPal Customer Service six times. On XX/XX/XXXX, I was transferred to PayPal Credit XXXX. PayPal had no program outside online submission to report fraud and unauthorized transactions and they had no established process for doing so with required ADA accessibility. On XX/XX/XXXX, from XXXX XXXX, I went over transactions over the phone with the PayPal representative to hand enter on my behalf ; as they had no established process for doing so with required ADA accessibility . PayPal instructed that the entire account would be flagged for identity theft, as transactions could not be separated accurately. I was instructed to call XXXX in seven business days to ensure account would be marked to close after 6mo federal wait. ( I discovered later this was a violation of federal law ). Called above number on XX/XX/XXXX, around XXXX and was told to call in 6 months to verify closure of account ; it would be discharged after the 6month federal hold and fall off my credit report by XXXX XXXX CRA report XXXX ( I discovered later this was a violation of federal law ) From the identity theft period in XXXX, until XX/XX/XXXX, PayPal continued to call and harass my phone, an average of 4 calls a day, 7 days a week, even with a verbal cease and desists. A total of 322 calls and numerous mailings. XX/XX/XXXX, I followed up with PayPal and was notified that the identity theft debt was charged off and no further collection attempt would be made. ( I discovered later this was a violation of federal law ). 
What PayPal did though, is sell the debt illegally to a 3rd party debt collector, without utilizing the Arbitration method detailed in their terms and conditions. That 3rd party debt collector immediately reported to my credit report and I am currently dealing with an illegal lawsuit because of PayPal 's actions. This has caused extensive undue harm and continues to do extensive damage. 
This complaint serves as 30 day notice of intent to file in federal court.
Consumer complaint received 2024-02-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bounce AI, Inc. (IN)

This debt was recently purchased by one of my other complaints on XXXX XXXX  XXXX. I believe the current debt owner as well as XXXX XXXX XXXXXXXX are engaging in predatory, reckless, and illegal high interest loans as well as the selling or purchasing of them. I believe it is loan sharking.
Consumer complaint received 2023-09-18
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. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2018-11-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I am looking at the XXXX that exists in the student loans in this case it is my student loan when I sign this loan with the XXXX XXXX according to the person who did the paperwork told me it was a federal loan and not private which was not so, she made me privately deceive me that she was federal and she also told me that she was going to pay a monthly payment of XXXX dollars a month which at this moment the Navient company is charging me monthly amount of XXXX dollars I have been paying the loan but I have already reached the point that my life has become very expensive in exchange for not working and the little I do is to spend on my home expenses t the babies that I have are XXXX I call the Navient company and I tell them the problem and they do not give the solution I have complied with them all the time and now what they do is raise interest and payments when it should be in reverse now I'm paying more than when I started and I do not know what Please help me solve this problem thanks my number is XXXX and my email XXXX XXXX
Consumer complaint received 2023-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (KY)

This is an addition to Compliant XXXX. I received a call from MOHELA at XXXX XXXX XXXX on XX/XX/XXXX. They left a XXXX second message that ended after call back at XXXX. 
I logged into my account to contact them and found they are not counting payments made towards XXXX in XXXX. I was employed by the State of Kentucky and was not in school. I have called and messaged them and it still isn't fixed. The original call was in XX/XX/XXXX. All forms have been submitted. I graduated in XXXX and did not reneter school until XXXX. I need to be credited these payments. I also made payments during COVID after XXXX said they would count. 
I still have not received a payment for due date of XX/XX/XXXX. The system does not match what they say my payment is.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify) (CA)

This complaint is in regards to an unauthorized inquiry, which was made, using my personal information. The company involved in this action is MICROBILT located at XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. They illegal utilized my social security number with which was obtained by XXXX XXXX XXXX who I have never provided them my personal information. I am not in debt with either company nor have I ever done any business with them. Court records will show no outstanding dept with XXXX XXXX XXXX or any clients of theirs. Therefore, the utilization of me personal information was unauthorized and illegal act. 

Mircrobilt filed to unauthorized HARD INQUIRIES On : - XX/XX/XXXX ( MICROBILT ) Requested by XXXX XXXX XXXX XXXX - XX/XX/XXXX ( MICROBILT ) Requested by XXXX XXXX XXXX XXXX XX/XX/XXXX, I mailed a NOTICE TO CEASE & DESIST OF FRAUD ATTEMPT AND UNAUTHORIZED USE OF SOCIAL SECURITY via certified mail in which MICROBILT have received. Within this letter I demanded them to refrain from any further illegal use of my personal information. A response was required in which they have neglected all of my concerns. I reached out to the company a couple of times and they stated the situation was being handled. I verified my information with the necessary requirements but they insisted on demanding more information from me. I first spoke with a representative who refused to give me their name. She stated that she would update the system by submitting a " Fraud File to Delete Inquiry ''. I asked for confirmation that this action took place and she insisted on demanding more personal information in order to receive confirmation. She began to become aggressive and overly demanding and as I requested to speak to a supervisor, she transferred me to another rep that ultimately disconnected the call. All attempts to rectify this matter have failed as every representative of MICROBILT were unprofessional and refused to answer any questions. This is not the first time I heard of this company authorizing inquiries and committing fraud, as there are several reports online. I asked MICROBILT to immediately updates the Credit Bureaus that the Inquiry was fraudulent and unauthorized or I will file a legal suit. This is my last attempt to handle this matter through the Consumer Finance Protection Bureau as they have already received my previous letter, which is also attached with this complaint. Once again I did not make the inquiry or authorize MICROBILT to utilize my personal information. After such action is taking place I also request that this company Cease & Desist any further contact to me. 

( SEE ATTACHMENT FOR FURTHER DETAILS )
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Colony Brands, Inc. (PA)

I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress I feel helpless because the credit bureaus are not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have thirty days to investigate and send me results. I have all the evidence attached below.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (UT)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX