davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
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: DISCOVER BANK (OH)

In XXXX of XXXX, I received notification about a discover card that I have had in my possession locked away since XXXX of XXXX was being used and charged regularly which had maxed out the card. There was over {$3100.00} charged on said card in a span of 4-5 months. I contacted discover right away once I had realized what had happened. They closed said account and opened a new one with the balance that I had prior to the fraudulent charges. Then, on XX/XX/XXXX of XXXX, I had seen all of these charges come onto the new account and discover had claimed that there wasnt any fraud and that they would not help me. I explained to them that I had called all of the merchants that were listed on the transaction history and they had confirmed that they were fraudulent as well but discover still will not help with this claim.
Consumer complaint received 2022-05-20
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)

On XX/XX/XXXX, a person took out a personal loan in my name in the amount of about {$16000.00} from XXXX XXXX. I contacted the company and they confirmed it was not me and that I was victim of Identity Theft. I followed up with them several times. They finally sent me a letter dated XX/XX/XXXX. In the letter, they confirmed they would close the account in their system, contact the credit agencies to delete the trade-in from my credit report. They also confirmed it would be removed from my credit report since I had contacted them prior to requirement for payment. Since then, they have reported I am delinquent in the account to all ( 3 ) credit agencies. Experian, XXXX, and XXXX have now all reduced my credit score and reported to me that I am delinquent on this fraudulent account. This is not my account, I am a victim of Identity Theft and while promising to resolve the situation quickly, they have instead created more work for me to resolve the situation.
Consumer complaint received 2020-02-11
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. (OH)

The following company below XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The account above is showing on my credit report as a current debt when it shows on my credit profile as a charge off in the amount of XXXX I have pulled my credit profile off of their website and from life lock. I have been a victim of identity theft since XX/XX/2011 due to a crash i have had my attorneys to get me new identifications. On my XXXX  report some individuals compromised my identity by which life lock assisted me in the deletions of XXXX being removed from my reports.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

- XXXX XXXX XXXXXXXX. 

- XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX. 

- XXXX XXXX  XXXX. 

- XXXX XXXX. 
XXXX  account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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 2021-11-13
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. (WA)

I pulled my consumer credit report and noticed fraudulent accounts and submitted an FTC report for this identity theft. I am in the middle of purchasing a house so I demand these fraudulent accounts be removed because they are holding me back since they are increasing my debt to income ratio. I am simply demanding they be removed, but I know monetary compensation is owed to me for this false reporting.
Consumer complaint received 2021-11-13
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 it may concern, I am in need of your assistance with getting account and items removed that do not belong to me. I have reached out to the credit agencies to no avail. 

The accounts below are not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX - Bal : {$230.00} 2. XXXX XXXX XXXX - XXXX XXXX XXXX - Bal : {$640.00} 3. XXXX XXXX XXXX - XXXX XXXX XXXX - Bal : {$520.00} 4. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX - XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following is reporting inaccurate lates. I was never 30 or 60 days late 7. XXXX XXXX - in XXXX or XX/XX/2020 ( TU & XXXX ) 8. XXXX XXXX - in XXXX & XXXX XX/XX/XXXX ( XXXX ) Incorrect Name and Address information : Incorrect Name : XXXX XXXX on TU Incorrect Address : XXXX XXXX XXXX on TU Incorrect Address : XXXX XXXX XXXX XXXX XXXX on XXXX & XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX on XXXX
Consumer complaint received 2020-02-11
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (CA)

I have Contacted the the following Companies only to be lied to, they play Hot Potato with the alleged Debt ( XXXX XXXX XXXX a division of XXXX XXXX, XXXX ( XXXX ), Ocwen Financial Corporation? ( Ocwen Loan Servicing, LLC ) and Now PHH Mortgage services ( hereinafter " PHH MS '' ) They change phone numbers and account numbers even property addresses now as the following Reply in exhibit was supplied by PHH Mortgage to the CFPB .When I contacted the following Number ( XXXX ) XXXX ext XXXX a person claiming to be XXXX XXXX XXXX answered I asked in what country he was in, He said XXXX .Now why is my personal identification, social security, address allowed to leave the United States of America ? I have no business with any Foreign companies so why is my Identity allowed to be Stolen and used in another Country? 
They said I had a Loan with a property address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Il XXXX, when I contacted XXXX XXXX XXXX he said he would look into it and submit a complaint so it could be investigated he would get back to me in 10 Days. 
That was over two months ago after repeated calls and messages still No Answer.
Consumer complaint received 2019-11-21
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (GA)

According to FCRA Section 605b it is illgal to report information on my credit report without my permission. I have reach out the XXXX XXXX XXXX and Discover Card # XXXX, XXXX XXXX XXXX. I have sent in documents on my behalf to remove these items completely from my credit report. XXXX are reporting incorrect information my credit report. In according the CREDIT REPORT ACT this creditor has violated my rights under USC 1681 section 602 states I have the right to privacy ( 15 USC 16819section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit. I wish to have these account deleted from credit report.
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

Purchased furniture at XXXX XXXX store in XXXX of XXXX and financed {$5700.00} through Synchrony Bank with a promotional period of no interest until XX/XX/XXXX. 
The furniture was delivered in XX/XX/XXXX. 
The following are the transactions by statement month processed by Synchrony Bank. 
XXXX statement Charged {$3600.00}. Called Synchrony Bank to dispute charge. 
Synchrony Bank said it would credit and close the account and open a new account. 
XXXX statement XXXX account is charged {$3600.00} and credited {$3600.00} twice. Leaving a credit balance of {$3600.00} which is incorrect, called Synchrony Bank to inform them of their error. Told it would be corrected. 
XXXX statement Received credit of {$3600.00}. All is good. 
Furniture delivered in XXXX. 
XXXX statement Charged {$5700.00} for the furniture which is correct. 
Now the fun starts : XXXX statement Charged {$3600.00} and {$3600.00} and receive a credit for {$3600.00}. Call Synchrony Bank to dispute and spoke to several representatives ( 2 hours on the phone ) including one representative who said We really messed up this account. Told it would be fixed by the end of the next billing cycle. 
XXXX Statement The account is not fixed but I am also charged interest of {$170.00}. Call Synchrony Bank and ask the Representative to transfer me to their boss. After a two hour wait, I hang up and call the next day. After only a 45 minute wait, I speak to the Account Executive ( XXXX, who would not give me his last name or his bosss name or number. I told him I worked for a bank for 41 years, you have to report to someone, he said he reports to no one ). He told me it takes two billing cycles to correct disputes. 
XXXX XXXX The issue is still not resolved. 

I need help to resolve this issue, I have a charge for {$3600.00} on my account which I did not make. I have not been already charged {$350.00} in interest during the promotional period and I had to make three minimum payments of {$450.00} instead of {$200.00} to avoid causing further issues.
Consumer complaint received 2020-02-11
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. (NJ)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX, 2019 my credit report shows a hard inquiry from XXXX XXXX. I do not recognize this and would like for the credit reporting agency to remove this from my credit report immediately.
Consumer complaint received 2022-12-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (FL)

NAVY FEERAL CREIDT UNION has create. A DOUBLE ENTRY CREATING A " PLEDGEMENT ARRANGEMENT " and of my asset. Thus taking my PROCEEDS OFF THEIR BOOKS FOR PROFIT. my POSSESSION has not been abandon, a debt has incurred from the extension of MY CREDIT, INITIATING A CREDIT SALE TO NFCU. I have been denied the right and under XXXX of law to dispute the Billing Error on my account pursuant to 12 car 1026 e and f. There are proceeds due and interest to be transferred to my principal balance. Any payment or request there of an obligation is PAYABLE TO THE United States, as it is BANKRUPT. I XXXX the living woman, have INVOKED NFCU AS THE COLLECTION AGENT. As I am the holder in due course. nothing is owed.. I Gave value and consideration and extended my credit... SETTING UP MY TRANSITION AS A VOLUNTARY TRANSFER OF TITLE TO MY PROCEEDS IN NFCU FAVOR WHILE XXXX 'S ESTATE IS THE XXXX. NFCU HAS NO INTEREST IN MY POSSESSION AT THIS TIME. ALL POA HAS BEEN RELIEVED
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

My mortgage is with Specialized Loan Servicing and the website I have always used to log in and schedule mortgage payments is https : //cmc.servicingloans.com/. 

Almost two weeks ago, the website stopped working. Sometimes the home page works and I can even go through the login process, but once my password is input and I click submit, it fails every time, and there's no information as to why. I have tried on my phone, internet explorer, chrome, on my company 's wifi and my home wifi. Nothing works and there is absolutely no information out there as to why. 

I do plan on attempting to find a contact number for this company on my work from home day this Friday. To date I have only managed to get someone to communicate to me through twitter, sadly. And I got the old promise someone would be in touch. No one has. 

I'm writing to you here today because I have been unable to schedule my next mortgage payment which is due on XXXX. Doing so over the phone requires a fee which I will not do since this is outside of my control. This is not the first time I have had issues with this company so I'm raising the alarm bells early. Prior to a refinance, they had my old mortgage, failed to pay my property taxes which resulted in a late fee that I ended up paying for. I was very unimpressed with everyone I spoke to trying to get that resolved. I was very disappointed when my new mortgage got sold to them. 

This problem, however, is by far worse. I am basically being blocked from paying my mortgage without incurring an additional processing fee, and that is not acceptable. I don't know what's going on, but I want it resolved before I am in a position where I am late on my mortgage payment. I have grave concerns about the fact I have to rely on them to continue to pay down my mortgage.
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc (NY)

My problem started when I disputed a transaction with XXXX because I had not received a product from a Paypal Pay in XXXX plan. XXXX disputed the transactions and I had ultimately resolved the problem with the seller after receiving the product. 

In an effort to return the funds to Paypal, I withdrew the disputes from XXXX. Paypal then received funds for {$61.00}, and {$61.00} x XXXX from the reversed and withdrawn disputed charges. Paypal is claiming that they never received the funds. Ultimately, to avoid going to collections, I paid the total " missing '' balance off with another credit card for {$180.00}. Meaning that I have paid for Paypal 's pay in 4 plan twice ( XXXX x XXXX ) with both my XXXX XXXX and XXXX credit card. 

I have been contacting both XXXX and Paypal in an effort to retrieve those lost funds and both merchants are blaming each other saying that the other 's bank has it and vice versa. Paypal 's team recently told me to submit activity statements to XXXX to show proof of the payment failure but on their statements it is evident that they did receive the funds from both XXXX and XXXX. Meaning that they are refusing to credit my account. It is entirely confusing as to why Paypal would have received the funds for the initial charge and not the others, considering I had withdrawn all four disputes in a similar manner. Neither party is willing to help with any further recourse or provide solutions. So, I am out of {$180.00} that I did not have to pay.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

The complaint is that my credit card accounts are being returned when I paid them off. I believe I am a victim of identity theft and the person is using my credit card accounts to take money off once I have paid the bills on them. It has affected my credit as well, with the recent drop in a credit score of XXXX points from all three agencies. The money has not been sent back to my bank account and I have checked multiple times in my account. The funds have not been returned. I have been getting fraud numbers from credit card companies posing as credit card companies.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MA)

I received an email from XXXX XXXX a service of XXXX XXXX. It said there was an alert on my credit report for Experian. It said to sign in to my account. I first looked at the email and it looked legit. On the credit report there was a report from this company ( XXXX ) XXXX Us Sm Bus Admin Oda XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX. I called the number on a sat morning ( which is outside their hours per their website ) A woman answered saying SBA. I told her what had happened and she said " this is a fraud attempt ''. Then she asked if I could give her my social security number. I said " no I can't. She said " well I will put you through to the fraud department ''. The man who answered immediately wanted my social security number too. I told him " no ''. He said " I can not help you then. '' I replied " so be it. I think you are attempting fraud. '' And he hung up.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NC)

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX. XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER