davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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)

I went to purchase a vehicle and I noticed inquiry that are fraudulent on my Consumer Report. I have not applied for credit or entered into any contractual agreements with XXXX XXXX XXXX XXXX XXXX XXXX XXXX during the time periods indicated by the inquiries. As these inquiries were conducted without proper authorization, I kindly request their immediate removal from my credit report to prevent any negative impact on my creditworthiness.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-03-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (PA)

Onemain had stated the following. " The Gramm-Leach-Bliley Act and related regulations expressly exempt credit reporting to a consumer reporting agency from the protections around disclosure of consumer information to third parties. There is no right to opt out of this reporting. '' This is false as I am able to revoke consent at any time pursuant to 16 CFR 313.7 paragraph ( e ) and paragraph ( f ). Onemain has also stated that once a year they send me a notice to opt out in order for them to comply with GLBA in other words 15 U.S. Code 6802. However, I have NEVER received a notice to opt out and when I exercised my right to opt out they have completely denied me my right to privacy. See attached exhibits. They are still reporting this information against the consumer 's wishes. Additionally, the Fair Credit Reporting Act requires that furnishers of information send a written notice to the consumer when they are going to furnish negative information in the attached exhibit, they claim that they sent this notice. But I have NEVER received this notice which violates the FCRA. If this company believes that they have sent me a notice to opt out and a notice of furnishing negative information then I demand proof. Provide a certified mail with green receipt that bears my signature. Please note that the certified mail green return card with my signature must be at least XXXX business days prior to the reporting of information and the right to opt out notice that you send " annually '' in my billing statement must also have the certified green receipt with my signature as proof that I received these documents. If you can not provide these documents then remove this information from my consumer reports immediately or I will seek legal action for all these violations including FDCPA violations.
Consumer complaint received 2018-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed a bankruptcy with all three bureaus multiple times. A bankruptcy is reporting on my credit report and these bureaus have not investigated with the reporting agency to verify this inaccurate information.
Consumer complaint received 2024-03-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (IL)

XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX, XXXX XXXX XXXX {$4500.00} XXXX XXXX, XXXX. 
15 USC 168.1b XXXX XXXX XXXX XXXX and XXXX XXXX  I did not saying that the credit bureaus XXXX XXXX XXXX XXXX XXXX or XXXX need to have written instructions to add accounts on my credit report and I would like these accounts removed from all XXXX credit bureaus as soon as possible.
Consumer complaint received 2024-03-25
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Location Services Holdings, LLC (TX)

Creditor repeatedly calls cell phone back to back but will not provide information related to debt. They have left aggressive and abusive voicemails. They mention that they are contracted by the county and have my home and work locations and will come to where I am. There is no real solution or information provided only threatening phone calls.
Consumer complaint received 2023-04-19
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: CBC Companies, Inc. (TX)

I reported to XXXX that they were reporting fraudulent accounts on my credit file, and they refused to reinvestigate. Ive sent multiple requests with updated information and copies of my address, id, and social security and they still refuse to re-investigate and help me clear up fraud on my credit file.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (MO)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2024-04-23
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. (TN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

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. 

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 2018-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/XXXX, I ordered a XXXX that was estimated to be $ XXXX. After using the XXXX the total nearly triple the cost at {$190.00}. This was flagged as fraud by Huntingtons Bank and when I called the bank they stated that it was fraud and would issued a new card. 

The amount was charged again for {$190.00} on XX/XX/XXXX that again was flagged as fraud by Huntington Bank. When I called this time they stated it should not have been fraud last time but instead a disburse. Huntington Bank issued paperwork that I did not receive until several weeks at which point the time window was too limited to respond to. I went to Huntington Bank and they reopened the dispute with XXXX in which I completed the necessary paperwork for them. Huntington stated that I was not able to show the estimated amount and that the charge would stay. 

I am being given an impossible task of showing an estimation that XXXX only provides when ordering the ride and not at the end. I offered Huntington Bank the receipt of a coworker that took a similar route and had the correct charge.
Consumer complaint received 2018-09-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nelson Cruz & Associates LLC (OK)

XX/XX/XXXX I received a phone call from a family member stating that someone called and said that their had been a petition complaint filed against me and that they had documents for me to appear in court and that I needed to call XXXX. And speak with XXXX XXXX who made claims of taking me to court and that he would red flag my license plate and contact the sheriff and the district attorney in my city for them to deal with me. so I call the number and find out it is for a medical bill and as I after being extorted and threatened tried to set up some sort of arrangement to get the bill taken care of wich I have not received since they had an old address I had no clue of this outstanding bill I also tried to negotiate a payment plan wich was declined by the collector and he stated that he would need my checking account or debit card information before he ould do anything ... .wich I find fishy he stated that if I mailed a check I would have to pay more and I would have to pay the full amount in TWO PAYMENTS wich is not an option for me at the moment the collector then asked me for my phone number wich i declined to give since i had his contact information I dont want them calling me ... the collector then said he was done talking and he would be contacting county officials and he would red flag my license plate and have the sheriff serve me
Consumer complaint received 2023-09-29
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: Experian Information Solutions Inc. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2018-09-13
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: LJ Ross Associates (MI)

I have disputed an inaccurate debt that is not mine on 4 different occassions with L.J.Ross for $ XXXX.I have neverdonr any business with the company that L.J.Ross is representing.
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (WA)

On XX/XX/XXXX, someone impersonating someone in XXXX contacted me for help buying food. He followed the same " nonprofit '' organizations there I did so I believed him given the emotional plea. He needed the money directly so I was instructed to use PayPal. I sent {$100.00} to " XXXX XXXX '' in " XXXX '' who was supposedly XXXX XXXX XXXX friend who could get it to him. The funds came from my bank account at XXXX. The email address for this transaction via PayPal was XXXX. I have a picture of XXXX XXXX XXXX foreign ID and a phone number for him. And photos/videos. 

This person stayed in almost constant contact with me telling me about how dire their situation was for them and their XXXX family members. I spent days and nights worried for their safety. The two year anniversary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is on the XXXX and it is a very emotional time for me. I XXXX XXXX XXXX XXXX XXXX  XXXX and a XXXX on XX/XX/XXXX that did not have me thinking as clearly. 

On the XXXX of XXXX, I this time sent {$200.00} to the same address. The funds this time came from a PayPal credit card. A few hours later, I noticed several things online between a few accounts did not line up and/or showed videos with obvious green screen usage. I immediately went to cancel the {$200.00} payment with PayPal. It still showed as pending and an agent I spoke with at PayPal said I could dispute it. I did so and today I was told they are closing my case though it still shows as pending on my end.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

I deposited my inheritance check on XX/XX/2023. I was told the funds would be available on XX/XX/2023. Theyre not available, and now there is not available date listed. Also the normal {$220.00} thats made available to everyone else when a check is deposited was not made available to me.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (OH)

I have several accounts with synchrony bank. Mostly store accounts with one for general use. My payments are on time as you can check my credit score to confirm. Without warning, Synchrony will reduce my credit limit to the outstanding balance. That in turn causes my utilization percentage to become 100 %, and increases my interest. This should be illegal as it is an unfair penalty on credit consumers. Other banks look at the credit utilization, get nervous and either do the same or cancel the account altogether. 
Unless the consumer is habitually late, or doesn't make payments at all creditors should not be allowed to reduce the credit limit unless there is a mutual agreement in advance. Then they should not be allowed to reduce it down to the amount you owe them. They have cost me hundreds on hundreds of dollars and I am not alone. This is all orchestrated to make them more money than they are entitled to and creates a windfall for other creditors from customers who are paying their payments, not behind, not in arrears. 
This is despicable. DO SOMETHING ABOUT IT. I'm contacting my Senator and others in the Senate to see if they want to create some legislation to do something about this robbery Synchrony Bank and a few others have made a practice of doing.
Consumer complaint received 2023-04-21
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: EQUIFAX, 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 XXXXXXXX Account XXXX Account Name : Untitled Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or 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 2024-03-27
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: OneMain Finance Corporation (PA)

The Fair Credit Reporting Act requires maximum possible accuracy and that agencies must take reasonable procedures to ensure that. It is being claimed that the account is reporting accurately to all consumer reporting agencies which is false and I demand this account is deleted. See attached exhibits and company responses. It is clear that they did not conduct proper investigation to this matter so I demand that they send me the procedures they took to ensure the accuracy of this inaccurate account.
Consumer complaint received 2024-03-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (PA)

This company claims that I owe them a debt however when I sent them a debt validation and verification letter / form, they did not send me any of the requested documents that proves I owe violating the Fair Debt Collection Practices Act. Additionally, without verifying, they are reporting this information to consumer reporting agencies which violates the requirements of the Fair Credit Reporting Act.
Consumer complaint received 2024-05-01
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: SOFI TECHNOLOGIES, INC. (MD)

In 2007, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was aggressive and predatory. I ended up taking financial aid far beyond what I could ever hope to afford based on promised future salaries. 

Servicing began through XXXX XXXX, transferred to XXXX, and I finally consolidated through XXXX XXXX. 

After years of payment, forbearance, and a bit of discharge from a federal class action lawsuit, I've brought the number down from over XXXX down to under XXXX. 

Though I earned a degree from XXXX XXXX XXXX, I left the industry shortly after I started when it was clear that this particular degree had no value and would never allow me to pay off the astronomical cost of earning it. 

I've attached the complaint from the XXXX XXXX XXXX lawsuit, as it elaborates the illegal practices far better than I can, since it was so long ago.
Consumer complaint received 2023-06-07
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX {$4800.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX {$6700.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX {$7300.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-30
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: SERVICEMAC, LLC (CA)

I was charged for the attorney and recording fee on XX/XX/2023 as shown on the statement dated on XX/XX/2023 ( see statement ). I have filed a complaint previously to CFPB regarding the foreclosure proceeding by Service Mac prior to the deadline of the document submission on XX/XX/2023 ( see attached letter dated on XX/XX/2023 ) and the foreclosure was suspended on XX/XX/2023 due to the completion of the loss mitigation package ( see letter dated on XX/XX/2023 ). The mortgage forbearance was approved on XX/XX/2023 ( see letter of mortgage forbearance approval ). Therefore, the attorney and recording fee should not charged to me due to foreclosure proceeding activation prior to the deadline of the document submission and foreclosure protection after foreclosure suspension.