davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WY)

I have credit monitoring with XXXX which was taken over by experian. I wanted to cancel my membership, logged into my account, found the phone number they said to call and called. After requesting a full social security number, which I find suspect, they run you through a number of prompts before saying you don't have an account. There is absolutely no option to talk to a live person and it is impossible to cancel. Thousands of other people have had this exact problem with experian. I have called 4 different numbers for experian and every one of them makes it impossible to actually cancel a reoccuring payment for this service.
Consumer complaint received 2018-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma (AZ)

My name is XXXX XXXX XXXX. I attempted to create an account with " Credit Karma '', ( creditkarma.com ), using my email account in order to obtain my credit score ( s ). 
But I was unable to do this because My email is still registered to my mother who passed away in 2016. ( I held a 'Durable power of attorney ' on her behest until her death ). 
( This is a serious issue, because it directly affects my ability to obtain and monitor my credit activity ) Credit Karma 's Help section does NOT provide any way to correct this. Further, Credit Karma has failed to provide a 'contact number ' anywhere on their website for issues such as this. 
Having 3 degrees in computer sciences, I was able to obtain one single phone number for their XXXX XXXX office through some of their filings with sec.gov. ( Securities and Exchange Commission ), But that number appears to connect to their 'Loan department ' I placed a call to that number and it went straight to 'voice mail '. Having no other option, I briefly described my situation in the voice mail, but have yet to have heard back from them.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (MD)

Chase bank never acknowledged my fraud claims and shut down all my credit cards. I feel this is very unfair I will take the bank to court for small claims if they do not write me a cheque for XXXX dollars that I have been charged in fraud but never was credited,
Consumer complaint received 2018-11-16
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: LEXISNEXIS (VA)

On XX/XX/2018 I mailed Lexis Nexis a certified Mail letter disputing a degrogatory/ negative public record on my Lexis Nexis report. It states I have a Bankruptcy, and I was disputing that. I again requested my Lexis Nexis consumers report, and they not only did not place that record as disputed by the 30 days the law and my rights state they have they did not reply back to me at all, and have neglected their obligation as a reporting agency to do so per the laws, and rights you set before them, as well as Fair debt and reporting agencies have to do. The information they are reporting is not accurate, and has affected my life tremendously. Their enormous fabricated record keeping has slandered my name, and as my letter stated I would handle that to the fullest extent. The only response I received was someone elses information which violates their rights as a consumer with very personal, and sensitive information that had I been a thief I could use against them. I have included pictures of my letters, can prove their record keeping skills are absolutely horrendous. They sent someone elses information to me, and expect me to set tight while they do the same to me, and continue reporting false info about me to perspective jobs! I will not have it, and demand the laws in place to protect myself, and my rights are utilized in such an instant. I lost I very good Job Opportunity based on their poor reporting practices, and have no filed all complaints my letters told them would take place due to this dafamation of my character. CC to the XXXX CC to the Attorney Generals office of my state and their state. Please hold them accountable for their many violations of my rights, and hold them to the laws you set behind to protect consumers such as myself!
Consumer complaint received 2018-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

THIS ACCOUNT WAS REPORTED FRAUD XX/XX/2018 AND WAS CLOSED, ANOTHER ACCOUNT WAS REOPENED. THIS ACCOUNT WAS REPORTED FRAUD AND SHOULD NOT REPORT ON CREDIT REPORT. XX/XX/XXXX I HAVE SPOKEN WITH XXXX AT XXXX AND XXXX HAVE INFORMED ME THE ACCOUNT SHOULD HAVE BEEN REMOVED MY CREDIT REPORT AGENCY AND SHOULD NOT HAVE APPEARED. XXXX HAVE INFORMED ME SHE WOULD NOTIFY ALL BUREAUS TO HAVE ACCOUNT REMOVED.
Consumer complaint received 2023-03-23
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$300.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$360.00}. Please delete this ASAP.
Consumer complaint received 2022-07-26
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. (CA)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$3100.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2023-03-22
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. (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. 

Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : 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 2022-07-26
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)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$3100.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2018-11-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (WA)

PayPal tricks people to use PayPal credit with 6 months free interest financing. And there is no warning/nor a date on the website indicates the due. I purchased a camera via PayPal credit six months ago for {$1900.00}. PayPal credit with 6 months free interest financing. And today, paypal suddenly sent me a bill of {$2200.00}. This business practice from PayPal is really terrible. Because I didn't get any email from PayPal prior the six months period ends. Nor I was able to find any date on in my accounts to indicate my due. So I believe PayPal wants to mislead people to charge people more interests. And after discussing with PayPal, PayPal 's customer service is not willing to cancel the fee even I can pay in full immediately.
Consumer complaint received 2018-11-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

On XX/XX/XXXX I signed a lease in XXXX XXXX for for 13 months called the XXXX XXXX XXXX Unfortunately the lease was broken and I only lived there 1 month due to XXXX   XXXX. I was helping a girl that was homeless of XXXX XXXX that was involved in the largest mass shooting in country from XXXX XXXX XXXX on XX/XX/XXXX I was threatened by the Venue apartments for noise, they cut my bike lock off and stole my bike and called police in which I was released after 1 hour. 
So months went by and I got a bill from XXXX in XXXX Wa for a bill over XXXX I was emailed by XXXX XXXX stating that I need to pay the bill.I then hired a attorney in which it was agreed that my balance would be {$1000.00} in which payments were made. 
On XX/XX/XXXX I received notification that XXXX forwarded a balance owing to XXXX XXXX XXXX IN Industry Type Other Collection Agencies Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Creditor Preferred Contact Other Account Number XXXX Account Balance {$2500.00} Payment Status Collection/Chargeoff This information is false on my credit reports and should be removed.
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Payment Resolution Services (VA)

Payment Resolution Services is attempting to collect a refund for a payment from XXXX that was never sent to me. The payment was for an out of network medical claim that was processed incorrectly. The claim was corrected after multiple appeals found in my favor - but XXXX still processed this incorrectly eight ( 8 ) separate times. I have documentation from XXXX this payment was never sent, the check was never cashed, and I do not owe this amount. I have filed multiple complaints with XXXX to try to resolve this. My company 's XXXX department has tried to resolve this. I have sent a letter to Payment Resolution Services disputing the debt and asking them not to contact me further. I am still receiving letters that I owe {$37.00}. Please note Payment Resolution Services is now sending me a collection letter with a different account number. 

I have attached proof of delivery of the debt dispute letter. Continuing to contact me is a violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2022-07-12
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. (TN)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, and account # XXXX has violated my rights. 

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 12 CFR Part 1006 Fair Debt Collection 1006.2 Definitions ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. 
The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.
Consumer complaint received 2017-11-15
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: CL Holdings LLC (FL)

Recently i received a copy of my credit report which showed Inquiries & Accounts i didnt not authorize. I understand and aware that you should not put an inquiries or accounts on my file unless i have approved it. I have provided you with the information and the a previous police report i sent a few months. Your company never responded and i am now stressed, bothered, and XXXX. I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and accounts removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiry accounts : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized account & inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX
Consumer complaint received 2018-11-16
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)

I pulled my credit report on XX/XX/XXXX. I found several errors and items I disagree with. I proceeded to contacXXXX XXXX   Experian, and XXXX in writing about these issues in an effort to get them corrected and removed. On XX/XX/XXXX I mailed a written notice to XXXX, XXXX and XXXX. The following items were not properly investigated, in my opinion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I mailed another letter to XXXX Experian and XXXX requesting a re-investigation be done as I believe strongly that if they actually investigated this account, it wouldn't have been able to be verified. On XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX for which they did not properly investigate the account either. XXXX XXXX continued to refer to the account as an auto loan when there was no advancement of article or monies ; just as well the agreement states it to be a credit sale in accordance to the retail sales contract. 

I then contacted XXXX XXXXXX/XX/XXXX when they supposedly investigated the account yet deemed it as reporting correctly and then again on XX/XX/XXXX when I noticed more errors regarding account XXXX which I never agreed to. The transaction history shows a new account was open on XX/XX/XXXX although it reporting to XXXX  as being opened XX/XX/XXXX. XXXX claims their reporting to be correct yet have not provided an agreement for the alleged account number XXXX nor will they correct or remove their incorrect reporting. 

XXXX has also failed to mark these accounts as in dispute as required by FCRA.
Consumer complaint received 2017-11-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (NY)

On XX/XX/XXXX at XXXX XXXX I closed on a property that had a mortgage with Ditech in XXXX XXXX XXXX. Ditech 's closing instructions required a closing fee of {$550.00} to cover the cost of their attorney XXXX and XXXX XXXX to attend the closing and collect the payoff check. Both of these items were completed as required. However, Ditech posted the payoff to my account onXX/XX/XXXX claiming that they did not receive the payment until that date and that it was wired. They went on to reported to credit bureaus non payment for the month of XXXX and make additional notes inXX/XX/XXXX that have brought my credit score down significantly. They also refuse to return any of the per diem that they owe me fromXX/XX/XXXX - XXXX. I have contacted them numerous times via phone and in writing to no avail. I have also reported them to the BBB and they refuse to make adjustments. 

From a legal, professional and ethical standpoint, XXXX and XXXX acted as Ditech 's agent, extension of their company in a legal capacity and was in receipt of my payoff as ofXX/XX/XXXX at XXXX XXXX. My account should reflect the exact date and time of the receipt of that payment. Ditech 's internal process is none of my concern nor should I be penalized for their complex internal protocol.
Consumer complaint received 2018-11-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX regarding an alleged debt from " XXXX XXXX XXXX XXXX XXXX '' in the amount of {$90.00} from dates of service : XX/XX/XXXX and XX/XX/XXXX. These two {$45.00} charges were disputed by me almost two years ago with the hospital due to the fact the doctors office wanted me to pay for an office visit to receive lab results. Upon hearing that XXXX XXXX decided to take their concerns to a debt collector almost two years later, I called Wakefield & Associates on XX/XX/XXXX and spoke to XXXX. During the phone call, I was informed that the debt owed was in fact not {$90.00} as listed in their letter, but rather {$110.00}. XXXX downplayed the other charges as " miscellenous '' but could not ( and would not ) provide any additional information about these charges. He did, however, mention that they were for dates of service XX/XX/XXXX and XX/XX/XXXX. While the charge in XXXX may be apart of the date of service on XX/XX/XXXX. I have been a resident of XXXX, TN and not visited XXXX XXXX  or XXXX, TN since leaving the city in XX/XX/XXXX so I am not sure how I could have been responsible for the alleged charge in XXXX of this year. After asking for more information about these charges, XXXX told me that there wasn't more that he could provide me, but that I would have to dispute the charges. He then began asking if I worked and where I worked. I told him that this was not relevant and not something he should be able to ask me. He became defensive and asked " why not '' and " what law are you taking about ''. He continued badgering me for information by asking if it was a " state or federal law. '' When I offered to look up the laws regarding contacting any other persons besides myself ( FDCPA 15 U.S.C. 1692b ) and engaging in abusive behavior ( FDCPA 15 U.S.C. 1692d ) he shut down and said that " we've already been on the phone for over ten minutes now. '' I told him that this conversation was also being recording and that I would be filing a complaint because of the tone and content of his questions. I have attached the recording of the phone conversation, as well as a photo copy of the letter sent to me for review.
Consumer complaint received 2017-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

issue started XXXX due to work unemployment ..since then have been involved with multiple servicers and banks,, now XXXX XXXX and ocwen are attempting a loan modification.. on XXXX/XXXX/XXXX they want 3 payments of circa XXXX dollars and will not tell me what happens next.. but ocwen is known for doing this bait and switch .. i am only talking to over seas debt collector types that do not care about XXXX citizens .. yes this is yet another complaint about ocwen and all there underhanded tactics