davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Verisk Analytics Inc (TX)

In XX/XX/2019 I contacted LCI Inc ( part of Verisk Analytics ) to put a security freeze on the report they furnish/manage. I received a response letter by mail dated XX/XX/2019 that states they are not a credit reporting agency, freezing my account is not possible, they do not need my permission to supply this data to XXXX. In my personal opinion, they are a credit reporting agency and need to START acting like one by being compliant with the consumer credit reporting laws. If they are furnishing/verifying/supplying/giving public data such as bankruptcy information to another company, Credit Reporting Agency XXXX , then they ARE a credit reporting agency that is OUT of compliance!
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B States 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 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Verisk Analytics Inc (TX)

In XX/XX/XXXXI requested a security freeze with LCI Inc. I received a letter back dated XX/XX/2019 that they are unable to do such a thing because they are not a Credit Reporting Agency blatantly implying they do not have to follow the credit reporting laws that protect consumers. This company has a partnership with XXXX where it FURNISHES information ( public bankruptcy details ) and that is REPORTING. This can not possibly be legal. They also stated in said letter that they do not need my permission to share information under applicable federal law or regulation. If they are furnishing/reporting/supplying/verifying information with a Credit Reporting Agency or another similar company then they should be compliant with the consumer credit reporting laws.
Consumer complaint received 2019-07-13
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

I was struggling towards the end of my lease with Nissan Motor Acceptance Corporation. I had forgotten to pay some fines and my license got suspended and I was in between places so I didnt get the message. I get pulled over and my car impounded. I call Nissan and inform them that I was having issues and I know Im 2 months late and this will be the third but Ill be able to pay them a week later on payday. They say its not a problem. I pay to get my license restored and my car out the impound with the money I had to pay NMAC with. When I get up to drive to work for the first time in 3 days my car is gone and the police inform me that it was repossessed. I call NMAC and they say since it was so close to the end of the lease they arent willing to take a payment at all and that the car will be auctioned off. They auctioned it off at far lower value than it was worth and Im stuck with a nearly {$9000.00} debt for a car I no longer own. The collection practices by the debt collector have been very persistent. Almost to the point of harassment.
Consumer complaint received 2019-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (AL)

Sychrony Bank : Approved me for 2 furniture cards XXXX XXXX   and XXXX XXXX XXXX, blocked card for use and stated I need to verify my ss # and it will take 30 days, I ADVISED THEM IM IN THE MIDDLE OF CLOSING ON A HOME AND DIDNT KNOW I WOULD BE BLOCKED ON NEW APPROVED CREDIT CAUSING MY SCORE TO DROP 216 POINTS WHY ON EARTH ARE THEY NOT ABLE TO CONTACT XXXX AND XXXX AND MOVE THESE HARD INQUIRIES OFF MY CREDIT REPORT WHICH IS ON XX/XX/XXXX ADDED TO MY CREDIT AND NOT ABLE TO USE THE CARDS AND ALSO WAS DECLINED FOR A XXXX XXXX CARD WITH THEM WHICH IT ALSO CAUSED A ADDITIONAL 29 POINTS DOWN ON MY CREDIT I HAVE SPOKEN WITH THE CREDIT BURUEA TO HAVE THEM DISPUTE THE ISSUANCE AND THEY HAVE MY ACCOUNTS BLOCKED AND I ASK THEM TO DROP THESE CARDS SINCE IM NOT ABLE TO USE THEM AND I WOULD MAIL THESE CARDS BACK THEY STILL WOULD NOT DO ANYTHING AND I HAVE READ WHERE THEY HAVE DONE THIS TO A LOT OF CONSUMERS!!!!! I NEED THIS ISSUE RESOLVED MY CREDIT RESCORED AND I JUST OPENED THE ACCOUNT XX/XX/2019  AND XX/XX/XXXX IT WAS PLACED ON MY CREDIT AND BLOCKED WITH NO RESOLVE FROM THERE CUSTOMER SERVICE AGENTS NOR THERE ACCOUNT MANAGER.
Consumer complaint received 2019-07-13
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. (PA)

On XX/XX/2019 I paid in full a debt owed to XXXX XXXX XXXX. As of today XX/XX/2019 after numerous contacts with Experian and XXXX XXXX XXXX whom stated they have updated the report to reflect paid. I also provide Experian with a copy of the letter and receipt that proves payment was made in full. Amount owed XXXX amount paid XXXX.
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IL)

Last XX/XX/XXXX I made a balance transfer from Synchrony ( Sams Club ) Bank to XXXX XXXX in the amount of {$4000.00} dollars .... XXXX XXXX started charging me for the balance transfer as agreed ... Synchrony Bank never adjusted my balance for {$4000.00}, today they are charging me interest on money that they have stolen, and they have messed up my credit score for nearly 100 pts. despite the bill having been paid on time at all times ...
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (WA)

Transworld systems Inc sent me a letter saying I owe about XXXX and then on the phone said I owed XXXX XXXX due to Interest charges, fees, etc. They also call me 5x a day and are very rude even though Im trying to figure out a repayment plan since I lost my job due to covid.
Consumer complaint received 2019-07-13
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)

Checked my credit report and I have two collections accts that have driven my credit score down dramatically after I have worked hard to pay off old accts. I have a common name and this problem has happened before but these two creditors aren't willing to help rectify the situation. 

I am a XXXX who XXXX XXXX XXXX XXXX and I know I hadn't opened or defaulted on any accts so I hadn't checked my credit score in a few month but low and be hold when I did I had a pleasant surprise. Two of someone else 's delinquent accts.
Consumer complaint received 2019-07-13
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: EQUIFAX, INC. (GA)

Checked my credit report and I have two collections accts that have driven my credit score down dramatically after I have worked hard to pay off old accts. I have a common name and this problem has happened before but these two creditors aren't willing to help rectify the situation.

I am a contractor who works on the road and I know I hadn't opened or defaulted on any accts so I hadn't checked my credit score in a few month but low and be hold when I did I had a pleasant surprise. Two of someone else 's delinquent accts.
Consumer complaint received 2019-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNIVERSAL COLLECTION SYSTEMS, INC (TN)

I have an old account with XXXX light gas and water. I received a collection from XXXX XXXX XXXX mid-XXXX. I set up a payment plan and have started paying. I received another collection notice about this same account from Universal collection agency in XXXX tn. Well not a notice, They report to my credit report without contacting me. I have already made arrangements to pay this with another collection agency. How can they sell the debt to two different agencies.?
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2019-07-13
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: Navient Solutions, LLC. (GA)

XXXX and Navient have file negative history on my credit reports with all three bureaus. During the time my student loan debt was reported the companies were sending paperwork and contacting my father ( same first and last name ) that I was not associated with at the time. I had not spoke to my father for several years and was not getting the notifications of who owned my student loan debts. 

I have now consolidated all of my student loans and not missed a payment for almost two years. My credit score is solid, but these negative marks are holding me back. I am asking for the items to be deleted from my all three bureaus because there is a XXXX  balance with the two companies. At this time I am up to dates on everything and would like things to be corrected because I did not know of defaulting.
Consumer complaint received 2019-07-13
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: Berlin-Wheeler, Inc. (Kansas) (NM)

Someone used my Social Security number and opened a XXXX XXXX account -- -- which is now in collections and has appeared on my credit reports with XXXX and XXXX. Berlin Wheeler Inc should be sued for publishing false public information about me. -- - without checking their facts. Below is my notification from XXXX : Alert Date XX/XX/2019 Source XXXX XXXX BERLIN WHEELER INC Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/2019 Balance {$660.00}.
Consumer complaint received 2019-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX XXXX just had some XXXX show up to my ex-neighbors house harrassing them and leaving notes on their door regarding sueing me I can not take the repeated phone calls and letters after I asked them not to contact and harass my family and friends but to no avail today was the last straw and I have proof someone harrrased my neighbor.
Consumer complaint received 2019-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

I recently opened an account with PayPal. After having it open for 3 days they flagged the account and had me turn in proof of my business. After sending in proof they alluded to my business being something totally different then what it is and with out verifying that info was factual they closed my account and now are with holding {$4800.00} of my money for the next 180 days. They say its for charge back protection purposes but wont let me refund the customer their money so I can process it through my previous merchant nor will they release it to me. I see no purpose in them holding my funds. If they dont want to do business with me for whatever reason they have that right but they dont have a right to with hold my or my customers funds.
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # 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 2 : it also states a consumer reporting agency can not furnish an 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 2022-08-27
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: Maximus Federal Services, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To whom it may concern : I RECENTLY received a copy of my CONSUMER REPORT and I noticed some late payments being posted on my CONSUMER REPORT! 

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  Your company is in CLEAR VIOLATION OF THE LAW! Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. The LAW CLEARLY STATES a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I GIVE ANY WRITTEN instructions to FURNISH THIS ( ACCOUNT ) on my CONSUMER REPORT! Now further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT, clearly states 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; NOW THE TERM PERSON defined by Congress means person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

So therefore a LATE-PAYMENT is a TRANSACTIONAL experience between the CONSUMER. Which CONGRESS define consumer ( c ) The term consumer means an individual.

Which is an INDIVIDUAL ( me ), and the person making the REPORT which is ( the company name ) So since its a TRANSACTION between the CONSUMER and the PERSON! Delete the above LATE-PAYMENT FROM MY CONSUMER REPORT! This AGENCY is in violation of 15 U.S. Code 1681. Now Im not telling you to delete the account! Im asking for you to delete the above LATE PAYMENTS which are in violation of being REPORTED and keep the account.

Now FAILURE TO RESPOND! I will take LEGAL ACTION. Due to you being in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person 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. 



Respectfully, XXXX XXXX
Consumer complaint received 2021-02-14
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: Resurgent Capital Services L.P. (FL)

1st letter attempt XX/XX/XXXX 2nd letter attempt XX/XX/XXXX 3rd letter attempt XX/XX/XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2021-08-17
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)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2023-06-25
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. (MI)

Dear Experian, Re : XXXX XXXX XXXX Account I am currently in the market to buy a new home and car and was reviewing my credit report. While I was reviewing my report, I noticed an errors on XXXX XXXX Bank Account. You are reporting information about me which is inaccurate. This account has been closed as reported. Other 2 credit Bureaus have this account as closed while on Experian it is listed as open. This account was closed in XXXX of 2023. This account has not been properly verified. Delete the following account immediately for failing to comply with FCRA : Re : XXXX XXXX Bank Account
Consumer complaint received 2021-08-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth third bank/ MB financial I have two motorcycle loans. they are paid off in XX/XX/2021. Received letter of forced insurance applied and demanding {$8000.00} additional. I called their call center number. They could not resolve. ( Off-Shore call center ). Went to a local bank and provided insurance for the term of the loan. They accepted and realized I also overpaid on the loan by 1 month. The Bank officer said he would take care and resolve. 
Today it is 4 months ... After numerous calls and promises they still are " Working on it '' they notified the credit agency and as a result lowered my score. 
The call center still calling demanding money. They will not address the overpayment. One department does not talk to the other dept. I have a Bank officer out on vacation. VP at the bank will not return any of my calls or emails. I see this as a bad faith issue where they hope I just pay and go away. 

The fifth third bank bought MB financial. This is an internal mess and they are having problems with their accounting systems and culture of being respectful to the consumer.
Consumer complaint received 2022-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WA)

XX/XX/XXXX : I mailed PMI removal request form with payment cheque to PHH Mortgage Services XXXX. XXXX request form includes list of home XXXXmprovements I made XX/XX/XXXX : The cheque was cashed XX/XX/XXXX : I called PHH for followup. No progress was made XX/XX/XXXX : I called PHH for followup. PHH sent me an email asking for list of home improvements ( which I included in the request form I mailed ). I responded the same date. 
XX/XX/XXXX : PHH sent me an email asking for cost of home improvements I made. I responded the same date. 
XX/XX/XXXX : PHH sent me an email asking for dates of home improvements I made. I responded the same date. XX/XX/XXXX : PHH told me my request is under review by PMI removal team XX/XX/XXXX : I called PHH for followup. No progress was made XX/XX/XXXX : I called PHH for followup. No progress was made XX/XX/XXXX : A broker came to my house to do appraisal and took some pictures. She said she will send it in by XX/XX/XXXX XX/XX/XXXX : Called PHH to follow up. I was told to wait till XX/XX/XXXX for a call back XX/XX/XXXX : No call back was made XX/XX/XXXX : Called PHH for update. I was told the vendor XXXX XXXX XXXX XXXX hasn't send the appraisal to PHH yet. I called XXXX XXXX to confirm, but I was told the appraisal would go to PHH right after the broker visited my home. So PHH was lying. 
XX/XX/XXXX : Called PHH and was told the PMI has been removed.