davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
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. (CA)

Experian is illegally reporting various negative accounts to my consumer credit report. The following negative accounts are as follows. 

XXXX XXXX XXXX XXXX account is posted reflecting late payments and is listed as closed account for the amount of {$2200.00} since XXXX XXXX XXXX XXXX XXXX account is being reported as a charge off for the amount of {$1300.00} since XX/XX/XXXX XXXX XXXX account is reported with late payments and as a charge off for the amount of {$330.00} since XX/XX/XXXX XXXX XXXX XXXX account is being reported as a charge-off for the amount of {$78.00} since XX/XX/XXXX XXXX XXXX - XXXX is being reported as closed for the amount of {$3000.00} since XX/XX/XXXX XXXX XXXX XXXX account is being reported as a charge-off for the amount of {$81.00} since XX/XX/XXXX XXXX XXXX is being reported with late payments and as a charge-off for the amount of {$11000.00} since XX/XX/XXXX XXXX  is being reported as closed and as a Collection account for the amount of {$560.00} since XX/XX/XXXX All of the aforementioned accounts are derogatory on my credit report and illegally posted according to 15 USC 1681a and 15 USC 1692, as I did not consent to any of the accounts being posted, nor do I have any knowledge of the balances or origins of the accounts.

Several of these accounts are associated with incorrect information that is listed on my credit report as being my personal information.

As a result of these negative accounts on my credit report I have repeatedly experienced adverse action and been unable to access extensions of my credit.
Consumer complaint received 2023-06-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Kahn, Dees, Donovan & Kahn, LLP (IN)

on XX/XX/2023 there was an XXXX Summons on the door addressed to XXXX XXXX XXXX. I have reviewed the Financial Responsibility page at the back that I have attached to this complaint and Determined that it was a forged signature with printed name incorrectly spelled wrong. 

Professional & Business Collections LLC is attempting to Sue me and did not Correctly Send me a Validation of Debt according 15 USC 1692g of the Fair Debt Collection Practices ACT I Do Not Owe This Debt and I Deny All amounts owed on this alleged Debt.
Consumer complaint received 2019-01-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes, XXXX, XXXX, & Transunion have not investigated or responded to disputes on my credit report. They have violated the FCRA 30-day-to-respond regulation.
Consumer complaint received 2021-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-08-27
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. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-01-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

During several dates, I have sent certified mail to the credit bureaus asking them to verify the inaccuracies of the information on the bankruptcy they are reporting. On my report, it lists the liabilities and assets being {$0.00}. This is not accurate and you can see this highlighted on the report attached. On several dates, I received the response from the bureau stating they verified the information. I then sent a letter to the XXXX County Court Clerk 's office asking if they verified the information to the bureaus. They sent me a letter stating that they do not provide information to the bureaus. The XXXX  creditor was sent a letter for verification and validation and they have not responded to my request and have exceeded the mandatory 30 day time limit. XXXX XXXX was also contacted and has not sent verification. 

My complaint is this, I challenged the Items based upon the inaccurate reporting of the {$0.00} assets and {$0.00} Liabilities on my report for the BK. Pertaining to the XXXX account, they have not responded to certified mail and confirmed verification and validation of their inaccurate reporting. The XXXX XXXX account jumps instantly into 60 day late reporting mark but does not say a 30 day period was breached. I have also added proof that these bureaus are not doing a true verification and supplying relevant proof while not flippantly dismissing the FCRA mandated rules. The bureaus also refuse to provide and form of evidence there for proving their verification. The Bureaus claimed that they had verified the information, when clearly they could not have for two reasons for the BK, 1 ) it is impossible to have a bankruptcy and have {$0.00} liabilities and {$0.00} assets reported 2 ) the bureaus claimed they verified the information, yet the source of the information sent me a letter that they do not verify information with the courts. Also, I put a Freeze on my XXXX XXXX report yet they used that agency ( NO third party can verify per FCRA ) as a third party. 

This leads me to conclude that the credit bureaus never conducted a reasonable investigation on this inaccurate information for the BK. For the XXXX  account they have not responded to my request for validation and verification and time has lapsed past 30 days. 

In my certified mail I also requested they remove any inquiries that are not currently associated to any account. The credit bureaus also said they verified the information but can't provide any proof. If they do have proof they have not provided that to me after many requests. 

I would like to have this inaccurate records removed from my credit report as it is reporting inaccurately and incomplete on my report.
Consumer complaint received 2022-08-27
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. (FL)

In accordance with the fair credit reporting act XXXX Has violated my right 15 U.S.C 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604 A section 2 Also state s consumer reporting agency can not furnish a account without my written authorization I PREVIOUSLY FILE A CFPB AND XXXX AND XXXX TOLD ME THEY REMOVE ALL AUTHORIZED INQUIRIES ON AND THEY NEVER DID ON MY OTHER CONSUMER REPORT I ONLY HAVE 20 inquiries and XXXX never removed the inquiries they claim thats not showing on my report I will upload proof that the inquiries stop showing on my report and proof that XXXX stating they removed them from my credit report
Consumer complaint received 2019-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC (MI)

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.
Consumer complaint received 2022-08-27
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. (LA)

In accordance with the Fair Credit Reporting Act the account listed below has violated my rights. 

XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX 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 an account without my written instructions.
Consumer complaint received 2018-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (CO)

I had a lease with a friend of mine and he defaulted on his half of the lease so i paid for him but then they put a XXXX collection on my report and have not been able to show me a breakdown for how it got to be so high. We left the place clean so they could rent it out and i paid for my roommate.
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX, I am trying to looking for foreign exchange on a social media that is called XXXX, someone added me and says he could help with it, Im in a rush to change, he blocked me after I send the XXXX $ to his XXXX account although he promise me to pay me back, i am still a student I realized how XXXX I am to send money to someone online.I contact XXXX ASAP, I called them at least five times, they said they could not help because I am under XXXX and they need my SSN.Which is not fair, they need to help with a scam anyway.I report a disputing transaction to bank at XXXX, I do not get any progress after nearly a month.
Consumer complaint received 2023-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (MS)

I got an email from cash app stating my account had been closed for suspicious activity! I called and asked what was the suspicious activity or what specifically i did wrong because i only made purchases or recived money and they only told me to read the terms and conditions i still have a tiny amount left in my account {$1.00} something but its the principle of them not giving me a specific reason why!
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sterling Infosystems Inc. (NJ)

Around XXXX EST I received a copy of my background check copy as requested. 

There were several discrepancies so I called the company. 

1. They didn't verify my employment as confirmed when speaking to them via phone however they listed that I provided false information on the report and did not state that they did not verify with my previous employer. The dispute here was in regards to when I worked for an employer. I had someone from their agency prior only ask for verification of a XXXX for the year 2017, not for what the final background report said. I also had supplied them with the employers number. They stated they did not call them. I asked them to correct the statement made to reflect they did not verify my employment with the employer and it was jot because I provided inaccurate information. 

2. I noticed there was a name listed as an alias associated with me. Not a variation of my name but a completely different person. I asked for this to be removed and disputed for accuracy and was denied the request and told I would have to pay them to have it removed. 

3. The job title for on3 company was listed as employer verified and that I misrepresented my job title. I asked how they verified and they provided the name of an individual that does not work for my employer let alone in their hr. Which means they are verifying infirmation without verifying they are speaking to the employer.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: POPULAR BANK (FL)

Loan orginated in XX/XX/XXXX. It was a heloc with {$65000.00} line of credit/balance. I was told when applying the loan matured in 10 years and if a balance, it automatically converted to a 10 year amortized note. I was notified by Bank Popular in XX/XX/XXXX via letter from their XXXX XXXX Headquarters that the balance was due in full XX/XX/XXXX and there was no conversion clause. I asked why I had not been notified and was told it was my responsibility to honor the terms of the note. I made payments through XX/XX/XXXX ( I have all cancelled checks ) and paid the balance in full the end of XX/XX/XXXX.  They are reporting to the credit bureaus that Foreclosure was started. I live in XXXX. It was a Mortgage Note. In order to start foreclosure a legal notice must be filed with the Clerk of the Court ( XXXX XXXX ). I verified that no filing ever occurred. I filed a claim with XXXX and the result was the Bank claimed it was accurate. I called the Bank and discussed this with them and requested any copies of any Foreclosure filings or documentation. They claimed the account was paid in full and closed and there was nothing that could be done. Spoke with XXXX again and they said that as long as the Bank reports this they can not remove it. I have no problem with them reporting the payment history as past due because of the balloon payment. I should have read the complete note at closing. That was my error. The reporting of Foreclosure on the credit report is making it impossible to refinance my home to replace the {$60000.00} I took from my retirement to pay them as soon as I was aware of the problem. Issue is : fact - they Never Started Foreclosure and the reporting that they did is false.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (SC)

On XX/XX/2022 Synchrony Bank which was the financial bank for Mattress Firm closed my account because they deemed that my credit history indicated that I would not pay my bills in the future. What they were referring to was my payment of {$50.00} was paid electronically as {$70000.00}. How this happen I dont know. I sent letters to the XXXX Boards of both Synchrony Bank and Mattress Firm. Mattress Firm contacted me and they understood there was some kind of glitch and when he contacted Synchrony Bank whoever he talked to agreed..no mattress is worth {$70000.00} and it had to be a glitch. But Synchrony Bank did not agree AND they also closed a Belk account which I owed nothing. 
My credit score went from XXXX to between XXXX. 
Please help me to have my credit rating with Synchrony Bank repaired. I did nothing wrong! 
Sincerely
Consumer complaint received 2022-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

Single Family Home Mortgage With PHH Mortgage XXXX ALL MY PAYMENTS ARE MADE ON TIME WITH PRE-PAID BANK TREASURERS CHECKS AND I PAY FOR XXXX  XXXX TO DELIVER THESE PAYMENTS OVERNIGHT TO THEM, PLUS I PAY AN ADDITIONAL {$9.00} EVERY MONTH SO THAT THEY HAVE TO SIGN FOR RECEIVING THESE PAYMENTS! 
I HAVE ASKED PHH-XXXX XXXX FOR A " TOTAL PAY- OFF FIGURE " AND THEY ARE REFUSING TO SUBMIT THAT FIGURE AMOUNT TO ME, WHOM TO MAKE THE " BANK CHECK " PAYABLE TO AND WHERE TO SEND THIS FINAL " PAY-OFF FIGURE TO "! 
AND THEY ARE TRYING TO " FORECLOSE ON THIS MORTGAGE INSTEAD OF ACKNOWLEDGIBG MY FORMAL REQUEST TO PAY THIS MORTGAGE OFF AND BE DONE WITH THEM!
Consumer complaint received 2020-02-05
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: EQUIFAX, INC. (OH)

I have credit inquiries on my report. I previously filed a police report and FTC report for Identify Theft and these inquiries are a result of the identity theft. I do not know what these inquiries are for and I did not authorize them. Here is a list of unauthorized inquires. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I opened a Capital One 360 checking account with promotion code BONUS400. Per the terms of the order, if had to : open a 360 Checking account between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX and enter promotional codeBONUS400. Then, I had to receive at least 2 direct deposits totaling {$1000.00} or more to my 360 Checking account within 60 days of account opening. 
Then, I would receive my {$400.00} bonus to my checking account. 

I received two direct deposits of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX, totaling {$1000.00}. So I completed the requirements nearly 3 months ago, but I still have not received my {$400.00} bonus. 
I called the company, and they said I did receive the direct deposits of {$1000.00}, but that I had not entered the code BONSU400 when creating my account. 
This is patently false. I did enter the code, and I have a screenshot to prove it. See attached screenshot that shows my name, account number, and promo code of bonus400. 
CapitalOne said they would create a case and look into and respond within 1 month. They could not give me a case number and there is not way for me to track my case. 
I need CapitalOne to pay me my {$400.00} immediately as I am legally owed per their own terms.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to express my extreme frustration and disappointment regarding the recent findings of my credit report investigation. Upon conducting a thorough review, I discovered a myriad of unverifiable, invalidated, inaccurate, and questionable items that have had a profoundly negative impact on my financial well-being and mental health. 

It is imperative that I bring to your attention the egregious violations of the Fair Credit Reporting Act, which mandates that all information on my credit report must be reported with 100 % accuracy. Regrettably, your agency has failed to uphold this fundamental requirement, as evidenced by the discrepancies identified in my report. 

Furthermore, it is crucial to note the specific violations outlined under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which clearly indicate that these accounts are in direct contravention of the statutory obligation to report accurate information. 

I demand immediate action to rectify these inaccuracies and restore the integrity of my credit report. Enclosed, please find copies of all previous correspondence sent to your agency regarding this matter for your review. 

Failure to address these issues promptly will result in further action being taken to ensure compliance with the law and the protection of my rights as a consumer. 

I expect a swift and satisfactory resolution to this matter.