davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
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. (TX)

I filed a FTC report and submitted it and explained that these Inquiries ar in fact not mine and I want them removed within 72 hours. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not approve of these inquiries and they need to be removed.
Consumer complaint received 2021-01-07
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (FL)

I refinanced my home with a VA Refinance Loan through Veterans United Home Loans. I was told on multiple occasions through this refi process that the VA required XXXX XXXX to establish an escrow account to fund property taxes and insurance premiums. I was told that this is the law and there was nothing they could do about it. I am a 100 % XXXX Veteran with a degree in XXXX XXXX. I recited the law to these underwriters who refused to comply and continued to lie to me. As I had several XXXX dollars invested into this refinance at this point, I had no choice but to comply with their demands. Now this loan has been sold to XXXX. I have contacted them to remove the escrow account and again I am hearing the same flawed argument we are required by law, we are required by the VA to establish the escrow account. As of now, I have demanded a formal review and a written response from XXXX. I am waiting for their response. 
I have had mortgages and multiple mortgages at the same time for 50 years. I have never missed a mortgage or tax payment ever. I have never been late on any payment, my credit score is impeccable. 
I have been lied to, the VA Home Loan Program has been abused and misrepresented by these people and it must stop. At this very moment, the lies are being repeated to other XXXX Veterans. These Veterans are being harmed. Please send a message to these lenders and help me to stop this abuse. 
Thank you
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

I have two co-branded credit cards with PayPal and Venmo, and a PayPal Credit account that are all serviced by Synchrony Bank. As servicer / sponsor for the accounts, Synchrony Bank is supposed to settle the account balances accordingly every month after receiving my endorsed instrument, then communicate certain instructions to their Indenture Trustee for Synchrony Card Issuance Trust, per the Trust indenture. Synchrony Bank still has not credited my account via the electronic funds transfer act for the dividend payment that it made from the Treasury Coupon. There should not be a past due balance on either accounts. I have followed all instructions in the Trust Indenture for instrument endorsement and delivery / notice. I have sent numerous correspondence by Certified mail and by Facsimile to several departments over the past two months that have been ignored, and I am out of patience. As it stands, I have provided Synchrony Bank with receivables / assets of value that were sold to its Depositor and then sold and pledged to its Trust. Generally accepted accounting principles state Anything accepted by the bank as a deposit is considered as cash. Therefore, Synchrony deposited the receivables for CASH VALUE from the Treasury, and has not returned anything back to me of equal value or properly credited my accounts. This signifies fraudulent conveyance, violation of their trust indenture and fiduciary duties, and an uneven exchange. Per their prospectus, my receivables are being used as a significant source of funding to support the Banks business, including supporting the notes the Trust issues to investors. Without consumers allowing them to use receivables and leverage them for other investments, they wouldn't be in business. I have allowed the Bank to this with no adverse action, but as a beneficiary I should not have to bring this to their attention. They know what they are required to do, and they should abide by their prospectus, trust indenture, 8-K, 10-K, and other forms on file with the securities and exchange commission regarding their fiduciary duties. If Synchrony remains in violation of their fiduciary duties, I will have no choice but to open claims with ALL of their regulatory agencies for these violations, file a suit in Delaware Chancery Court, and file Form 3949a naming the Bank and all affiliates listed in the prospectus that have handled my receivables. Fair is fair -- Synchrony can not take receivables from me and not return equal value with no consequences. I also expect to receive the contact information for the proper department to ensure my account is taken care of accordingly in the future. I pray these matters will be handled in good faith.
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Avid Acceptance, LLC (AZ)

AVID ACCEPTANCE I asked for an accounting ledger to verify this debt and for it to be notarized by an accountant. I have been going through this for almost 3 months with no compliance whatsoever. Ive expressed the importance of this situation with no results. After looking over the contract I found that they left out a lawful notice on it which is fraud and report them to the FDIC and fair credit. I attached it below.
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (DE)

Notice to all, I am a consumer pursuant 15 usc 1681 ( a ) ( 4 ) I have federally protected rights that have been violated. I have never signed a contract OR PROMISSORY NOTE with SOUTHWEST CREDIT SYSTEMS. Notice in fact, I am disputing any and all alleged debts that this company claims I may own past future and present. Any item furnished on my consumer report is a violation of 15 usc 1681b. Notice in fact that I've never given my written or verbal consent to these items being reported. violation of title 15 are punishable pursuant 15 usc 1692k by {$1000.00} per violation. I DEMAND THESE ITEMS BE REMOVED FROM MY FULL CREDIT FILE OR PAY ME {$1000.00} FOR EVERY MINUTE THAT THIS ITEM HAS BEEN ON MY CONSUMER REPORTS.
Consumer complaint received 2021-10-11
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: Kimball, Tirey & St. John LLP (GA)

I have filed a dispute in regards to the incorrect information on my credit report. It has been over 30 days and I have not received any investigation results.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO CARD SERVICE opened XXXX XXXX, 2018. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-10-11
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)

15 U.S. Code 1692 consumer im not obligated to pay any debt. 

The FDCPA only applies to third-party debt collectors, such as those who work for a debt collection agency. Credit card debt, medical bills, student loans, mortgages, and other kinds of household debt are covered by the law. 


XXXX XXXX Account number - XXXX Amount - XXXX date opened- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number - XXXX Amount - XXXX date opened -XXXX  XXXX XXXX  XXXX XXXX  XXXX Account number - XXXX Amount - XXXX date opened - XXXX XXXX XXXX XXXX XXXX  Account number XXXX Amount XXXX date opened XXXX
Consumer complaint received 2021-01-07
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. (IL)

XXXX and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-10-11
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I was charged {$3.00} by XXXX on my Capital One Quicksilver credit card ending in XXXX. Unfortunately, there was a glitch in the Capital One app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by 70 points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called Capital One to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired.

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life.

I'd really appreciate your help with this.
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WA)

In XX/XX/XXXX my mortgage was sold by current mortgage company to another mortgage company. This caused my credit score to go down. I contacted experian to ask why and I was told it is because of algorythms or something like that. Three months later I found out my new mortgage company is not reporting my mortgage payments. Experian credit reporting said give it a few more months. On XX/XX/XXXX I recieved an email from Experian credit reporting saying my credit score has dropped 17 points with no explanation at all for the reason. BUT if I would like to pay money to find out I can. I have tried to contact Experian numerous times and the phone number will only let you talk to a machine who will not allow you to talk to a real person. Experian has made it impossible to talk to a real person and this has been going on for years. Is Experian broke and they can not afford to hire any real people? Since giving up on trying to contact Experian I have found out the reason for my credit score dropping 17 points is because my mortgage company who purchased my mortgage is now reporting as a new mortgage. This is obsene and pure and simply rediculous. I have been living in my current home for 18 years and making my mortgage payments for 18 years. If mortgage companies are going to sell and purchase current mortgages they should report appropriately and a home owners credit score should not be affected IN ANY WAY. Obviously algorythms or whatever it is called should be removed from any portion of decision making. Peoples credit scores affect every portion of a person life. If credit reporting agencies can not report correctly they should be stopped by the federal government and not allowed to report credit scores or credit reports. Experian has been having problems for many years with getting their act together but they just can not seem to do it.
Consumer complaint received 2021-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

Phoenix Financial has reported the same account in collections 3 times. It's the same account. I have successfully disputed and had this account removed from my credit before while it was with another debt collector. It isn't mine, and they are not allowed to report the same account multiple times. This violates the FCRA. I have screenshots of multiple credit monitoring companies showing this was reported 3 times within 2 weeks. It dropped my score every time, and the account isn't mine.
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (MI)

This is about a Credit Card Debt with XXXX XXXX that was sold to Midland. These people repeatedly called my phone several times a day. They called family members asking them to verify my Social Security Number and posted a second complaint, and summons to go to court on the front door to my residence. Presently I am disputing this debt with the bank and even offered to pay them the purchase amount of the debt and court fees because I should have monitored my credit report appropriately. Since I had no other credit, live in public housing, am on XXXX and collect Social Security I told them I would pay them for expenses they incurred. Instead they are asking the court to make my pay the debt with interest, court fees, and the amount of the debt I am disputing with XXXX XXXX Bank. They are asking the court to force me to pay them out of my Social Security Check and VA XXXX payments which total {$1900.00} a month. Half of my benefits goes toward rent and the rest is for food, utility, and medical expenses not covered by the VA. XXXX XXXX attorneys are asking that I forgo medication and / or food but instead pay them with interest on this debt.
Consumer complaint received 2021-01-07
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. (MI)

I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner
Consumer complaint received 2020-09-29
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. (IN)

For the SECOND consecutive time, Experian claims to have " verified '' a bankruptcy with the furnisher of information. This is impossible, a complete fabrication of the truth and a miscarriage of justice. Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last four digits of the individuals social security number or tax identification number ( TIN ). Under the Federal Rules of Bankruptcy Procedure, a debtors full social security number is filed with the original petition, and filed under seal. Meaning the only information released to third parties who are not involved directly with a bankruptcy petition is ( 1 ) Your Full Name, ( 2 ) The Last Four Digits of Your Social Security Number, and ( 3 ) Your Address. I see no " Motion to Unseal '' filed with the U.S. Bankruptcy Court. Having only this information is NOT enough to verify an account. MOREOVER, the U.S. Bankruptcy Courts DO NOT verify information with credit bureaus, which means Experian and their presumed partner, XXXX, are fabricating their dispute results. I want the CFPB to intervene and figure out how this information is " verified '' knowing courts DO NOT verify records, and " data miners '' such as XXXX have only limited access to my personal information.
Consumer complaint received 2021-10-11
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. (CA)

there is a collection on my report that is not mine, I have sent a letter in more than 45 days ago and have not got a response, It is stopping me from refinancing and causing me a huge headache.
Consumer complaint received 2021-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (FL)

I went to use my card today and to my surprise my transaction was declined. I immediately contacted Comentity Bank and was placed on hold after giving them my informatio, so that they could look into this matter. After the rep came back, she asked me a few security questions and verified the answers, then proceeded to ask he to provide my drivers license p, social security card, and utility bill. I asked to speak with a supervisor at this point, shortly after being connected I mentioned that I had sent these documents in already and had them notarized. She placed me on hold to check and them came back and mentioned that the hold would be released. I then stated that I would send a copy of my lease agreement to show my new address, I was then told it had to be reviewed and she would follow up in a few hours. A couple hours go by and I received a call from a XXXX at extension XXXX asking me for resubmit all documents, drivers license, social security card and a bank statement. At this point this has been harassment and XXXX discrimination. This is my 3rd time having to submit these documents, they also conducted a hard pull on my file without my authorization or making me aware. I am truly tired of the XXXX discrimination this bank is conducting, it is wrong and needs to known. I have never been late on any payments and have stellar credit. Ive gone thru less scrutiny on much more important matters, this is completely unacceptable.
Consumer complaint received 2023-03-07
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. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX Inquired on XX/XX/2022 2022