davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
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. (CA)

I applied for a loan at XXXX XXXX XXXX today XX/XX/2020 and I was not approved because apparently there are many accounts in negative standing appearing on my credit history. I looked through each account and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information. I do not have any relationship with any of these companies nor do I have a contract or agreement with any of them. I did not benefit anything at all from these accounts and I did not take part in any purchases or payments made towards these accounts. I have already notified these companies as well as filed a police report regarding this suspicious activity on my credit.
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (PA)

I called Sallie Mae on XX/XX/2020, the due date of my loans, inquiring about forbearance due to the coronavirus pandemic. My account was put on a disaster relief forbearance that same day. I specifically asked my account manager XXXX employee ID : XXXX XXXX if they would be reported as late to the credit bureaus. After putting me on hold to speak to his supervisor, he said no they should not be reported as late due to disaster forbearance and if they are erroneously reported late to call and they would be removed. It has been challenging to get anyone from this office on the phone and regular customer service won't help me. 

Governor XXXX XXXX forced the closure of all non-essential businesses in my area, XXXX county in Pennsylvania, as of XX/XX/2020. I am not able to work due to this which is why disaster forbearance was given. I should not have to spend hours on the phone with Sallie Mae trying to remove late payment reports when they specifically told me they wouldn't be reported. I have been penalized for prioritizing having a place to live over paying student loans during a national emergency/pandemic.
Consumer complaint received 2020-04-09
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch (PA)

On XXXX, XXXX, 2020 I contacted Second Round LP/Second Round Sub LLC requesting debt verification of {$360.00} they are claiming on my credit report. As attached, I requested specific verification with my signature to show my agreement between myself and Secound Round but instead they responded on XX/XX/2020 with bills. Bills are not verification and this was also stated in my request to them that, " Bills, and any statements that are originated from a secondary part are not considered validation of debt to you. 
Unless Second Round LP can provide proper validation as recognized in FCRA 15 U.S. Code 1692g '' I  requested that they delete all the information they reported unless they had proper validation which they failed to provide.
Consumer complaint received 2024-05-17
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. ()

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-05-17
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. (FL)

I reviewed my consumer reports and I notice that I have 1 late payment that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best their ability with Maximum Accuracy I have never been late for payments for the account Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$90.00} Open balance {$2000.00} Credit limit, Also as you can check with the XXXX XXXX XXXXXXXX, I ALWAYS had a automatic payment set up from my bank account. 
What I believed that could happened, a 2 months a go I was a victim of identity theft and some of my cards were hacked ( see FTC report Attached ), there was a purchased on my XXXX XXXX XXXX account that was no me. 
I don't have {$90.00} dollars opened balance and I don't have late payments, my all my card the have automatic debit set up : since XXXX I have never miss a payment, and I never authorized to remove my auto pay. 
If proof cant be provided I DEMAND to these payments to be update to on time payments as they should be. 
thanks OVERVIEW Credit limit {$2000.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( 2 yrs, 6 mos ) PAYMENT HISTORY You've made 100 % of payments on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (VA)

We have given our most recent mortgage company, VeteransUnited Home Loans, just over six weeks to respond so, at this point, I believe its reasonable to give up hope that they ever will. Heres the justification for what I suspect you will agree was a shady practice, the remedy for which you may able to offer us advise.

Our first loan officer for VeteransUnited Home Loans didn't know his loan products well enough to offer us the correct one. We had originally settled on what we felt was a fair price but, with TWO days to go before the original closing date, after having thought our loan type had been determined for over a month, our loan officer informed us that the product for which we had originally contracted was not available after all and, to make it available, would require an interest rate that would have been prohibitively expensive. When we asked the seller for an additional week that VeteransUnited Home Loans demanded to process the revised contract through underwriting, the seller refused to extend the deadline unless we paid the full appraisal price. We wanted the house and feel that that mistake cost us {$5000.00} extra to get to the appraisal price or certainly lose the house. We hold our loan officer 's team responsible for our lack of leverage at this critical phase in the process.

Furthermore, in order to get the original rate, we were compelled to replace my wife with our daughter on the deed and, because shes only XXXX XXXX XXXX, she has not had an opportunity to achieve an " Excellent '' due to her immature credit history, that cost us .75 % ( {$2200.00} ) to maintain the same interest rate.

So, {$7200.00} poorer than we bargained for, we feel cheated and mistreated and would not come near VeteransUnited Home Loans again and persuade everyone we speak to do the same. Any remedy you can suggest we pursue would be very welcome. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-04-09
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. (FL)

XXXX XXXX  XXXX XXXX XXXX Credit card was opened on XX/XX/XXXX. XXXX $ was paid. By law after 7 years this account should not be on my credit report but it still is. I have disputed this item on XX/XX/XXXX but still no changes were made!
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX ; Experian and XXXX are not investigating the collection/chargeoff accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. In addition, these accounts are over ( 7 ) years old and should not be reporting at all! The accounts are as follows - partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached. ) The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-04-09
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: LEXISNEXIS (IL)

Please delete this fraudulent bankruptcy from my lexis nexis credit report. This bankruptcy is unverifiable and under FCRA section 609 if a  bankruptcy can not be verified pit must be deleted. I have filed a police report, ftc complaint, attorney general office, XXXX  and XXXX   have removed the bankruptcy, but remains on lexis nexis. 

Record Type Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number XXXX
Consumer complaint received 2020-04-09
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. (GA)

This is in reference to the prior complaint # XXXX, the credit reporting agencies are not following the guidelines on removing items and not replacing them. XXXX  XXXX XXXX  said they removed 2 late  payment from all the credit reporting agencies. XXXX  is the only one that only show 3 late payments which is correct but theses dates should be removed XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. 
On Experian Boost they are showing 5 late 30 days, which is incorrect. 4 late payments 60 days and that's not correct. Also on the Experian Boost report for XXXX, they have 4 late 30 days and 3 late 60 days, both are incorrect. Between Experian and XXXX XXXX XXXX, This should be corrected immediately. I only have 2 open accounts on my report not 6. Experian have XXXX on my report which is currently under bankruptcy. I have file a dispute several times for XXXX  / Experian to correct this.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NM)

I have a debit account with American Express ( Bluebird ) where my Social Security Check and retirement check are directly deposited. I only make 2 payments from this account, 1 ) My truck payment to XXXX and 2 ) a payment to my ex-wife. I received the following e-mail from American Express this morning at XXXX XXXX.. 
Hi, XXXX XXXX, During a recent review of your Account, we noticed activity that was in violation of the Bluebird Member Agreement, section : 22D Due to the violation your Account has been locked and your Account privileges have been suspended. 

If you have any questions, please call Account Protection Services at XXXX. 

Thanks, The Bluebird Team I have done nothing to violate their policies. The only thing I can think is that someone has hijacked my account. I have made repeated calls to American Express with no resolution. They have blocked me completely. Last I checked there was {$460.00} in my account and I no longer have access to it. Can you please help me? 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-09
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. (CA)

On XX/XX/2020 a certified letter was sent to Equifax Credit Bureau exercising my right as a consumer requesting information through the method of verification, along with a copy of the record obtained on the bureau 's website with the purpose of knowing how bankruptcy information was obtained by the bureau. 
In the same letter, I highlight the time limit when this response should be delivered in accordance with the FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

According to the USPS records the letter arrived on XX/XX/2020 at the unit XXXX XXXX XXXX, XXXX, GA. XXXX, but as of today XX/XX/2020 I have not received any response from the credit bureau, therefore based on the credit bureaus lack of compliance with the method of verification I am requesting the item be deleted immediately from my credit report. 
This is a formal complaint which if no further action is taken by the bureau it should be considered as a step prior before pursuing legal action.
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

PayPal emailed me there was an unrecognized login from an XXXX I have never had out of Texas. I live in IL. Before verifying it was me, they allowed 3 overseas payments to be sent. When I got the email, I changed my password, tried disputing the charges and they would not allow it because it was sent as friends and family. I tried again and they determined in that dispute that no unauthorized activity had occurred. They will not refund my money. Ive cancelled my debit card, removed the old debit card, changed passwords twice. PayPal is supposed to be SAFE and instead they are anything but and refuse to uphold their secure promise.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

I mailed a check via USPS in plenty of time approximately XX/XX/XXXX to be received by XX/XX/XXXX at Comenity XXXX XXXX XXXX XXXX XXXX TX location. I mailed the check USPS on time as usual in plenty of time. 

Comenity charged me a late fee and interest. 

During the time between XX/XX/XXXX and XX/XX/XXXX there were severe weather disruptions however Comenity claims they did not affect them ( XXXX ). Therefore they did receive the payment on time according to the USPS they would have received the bill in 3 to 4 days.

USPS says they had no delays. 

Therefore because the federal government claims my check was not delayed I believe Comenity made errors, misplaced, temporarily lost, or had problems due to the weather that would have caused this - none of which are my fault. 

I want full reimbursement for their errors, a credit of {$29.00} for the late fees plus the interest back of {$41.00} I was overcharged for. The reason I claim this is a overcharge is that my payment was received, while they claim they did not " process it '' until XXXX I am certain they received the check USPS about XX/XX/XXXX or XX/XX/XXXX based upon XXXX United States Post Office tracking of that routes typical time in transit. 

Regardless, as you may know, the United States Government accepts the USPS pay date for taxes and official matters as the date post stamp on the envelope, therefore I want Comenity change the date of receipt to on time and refund all my fees and interest. 

Additionally I would like them to pay a fine typical of this type of minor investigation, unless this is a recurring issue for Comenity, I am not knowledgeable about the CFPB internal process. 

No other resolution is acceptable to me. If the CFPB can not negotiate my settlement for the {$70.00} I would like to be referred to other agencies who I can also file complaints with such as the XXXX or state regulators.
Consumer complaint received 2020-04-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (TX)

As many Americans I am not working due to the Coronavirus Pandemic. Bridgecrest will not help the customers. They will not give 2 weeks for payments to be made. Their answer to everyone is file  unemployment or use your Stimulus check first to pay our loan. 
Every other car company I know of are putting their customers first. Bridgecrest is only putting themselves first!
Consumer complaint received 2021-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc. (TX)

According to Section 392.101 of the Texas Finance Code prohibits a 3rd party debt collector from engaging in collection in Texas unless the have obtained a surety bond and it is filed with the State. 

The Texas Secretary of State has no bond on file for CMRE.

They are attempting to collect {$450.00} from me and damaging my credit rating as a result. It does not appear they are meeting the State of Texas Licensing requirements.
Consumer complaint received 2019-04-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (AZ)

Direct Recovery Services @ ( XXXX ) XXXX Sent my mother a text message and repeated phone calls to my mother about my debt after I told them NOT to reach out to my mother. Called my sons phone number and it was a recording saying this message is for XXXX ... ... if you are not XXXX please hang up now, ( the recording then paused for 3 seconds then the recording continued all ) this is an attempt to collect a debt any information obtained will be used to collect a debt ... .. They ( Direct Recovery Services ) can not legally tell anyone I owe a debt. When I reached out to them ( DRC ) and asked them how they are finding these numbers they said they use my social security number. I have asked them to STOP reaching out to my friends and family regarding my debt. They reached out to my ex trying to " verify '' my address and I have a restraining order against my ex for domestic XXXX. When I shared this with DRC they said legally they can do all the above and more. Now my ex has my address and family and friends know I owe a debt!!!!
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (IN)

Midland Credit Management filed a a case in XXXX Superior Court, Civil Division XXXX on XX/XX/XXXX. The case number is XXXX. On XX/XX/XXXX, a default judgement was entered awarding Midland Credit Management , Inc ( Midland ). {$2500.00} which included filing fees and court fees. 

On or about XX/XX/XXXX, I sold my first home. The above referenced judgement was attached to the sale of the property and Midland was issued a payment in the amount of {$2300.00} ( the amount of original balance ) from my sale proceeds. 

Prior to XX/XX/XXXX, this collection account did not appear on my credit report. I argue that this was never a collection matter as Midland filed suit to recover the delinquent account balance. Furthermore, the balance has been paid and should be removed from my credit report.

In summary, I am asserting that Midland has reported false information on my credit report and as such has negatively impacted my ability to obtain credit. This inaccurate information has been reported and filed with the three major credit bureaus ( XXXX, XXXX, and XXXX ). I would like this information to be removed from my credit report.
Consumer complaint received 2020-03-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

To whom it may concerned, I am respectfully requesting help with a law firm/debt collector, XXXX XXXX XXXX, in which I have recieved 2 letters threatning legal action if I did not contact them for a resolution. The last letter I recieved was XX/XX/2020, notifying me that they intend to enforce legal proceedings to obtain payment. I have tried numerous times to contact them by phone and email and have been unsuccessful. They have an email address of XXXX in which you will recieve an automatic reply that they do not respond to emails. If you call there phone number, XXXX XXXX XXXX XXXX, you will be directed to leave a message in which you will never recieve a call back. I had to do a web search to try and find any other possible way to communicate with the XXXX XXXX XXXX and discovered a website of XXXX, in which you can submit an offer regarding your debt and I proceeded in submitting and completing that option, unfortunately I still have not heard anything back, nor did I recieve a confirmation that I submitted anything.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Westlake Services, LLC (CA)

On several times there was money in the account but they were saying or waited to update what what have you and so my checks were returned or they were denied and some of them were for my rent some of them were for payments and so I turned around and basically I just ended up closing my account
Consumer complaint received 2021-03-15
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. (TX)

XXXX XXXX experian not reporting my rental credit b/c they dont get paid victim of ID theft give me the right to report accurate informaion FCRA law and rules so please report it