davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

On XXXX ofXX/XX/XXXX I opened an account with XXXX XXXX XXXX, I was making my payments up until I came across finacial instability due to The COVID-19 Pandemic. I learned that under The CARES Act my rights were being violated in which no negative remarks should of been reported. Furthermore, I learned that The HEROES Act reinforces this and even more adds restrictions on reporting and debt collecting. I have already paid this account off but upon learning about The HEROES Act I realized it was a violation of my rights to be reported negatively and collected on during The COVID-19 pandemic. Now, that i have payed off this account I am still seeing that late payments are being reported and this is a violation of my rights under The HEROES Act.
Consumer complaint received 2021-12-14
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: CBC Companies, Inc. (CA)

On XX/XX/XXXX I was made aware of a credit card account open in my name in XXXX which was later closed for account abuse and left unpaid. Since then my name has been reported to XXXX contribution ref # XXXX with XXXX XXXX The account was opened fraudulently without my knowledge tied to a phone number XXXX which is not mine, and an address i do not and have not lived XXXX XXXX XXXX XXXX XXXX ca XXXX.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX and I am filing this report on my behalf. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.
Consumer complaint received 2021-08-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

On XXXX of XX/XX/XXXX I opened an account with XXXX XXXX XXXX, I was making my payments up until I came across finacial instability due to The COVID-19 Pandemic. I learned that under The CARES Act my rights were being violated in which no negative remarks should of been reported. Furthermore, I learned that The HEROES Act reinforces this and even more adds restrictions on reporting and debt collecting. I have already paid this account off but upon learning about The HEROES Act I realized it was a violation of my rights to be reported negatively and collected on during The COVID-19 pandemic. Now, that i have payed off this account I am still seeing that late payments are being reported and this is a violation of my rights under The HEROES Act.
Consumer complaint received 2021-12-14
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Receivables Performance Management, LLC (TN)

RECEIVABLES PERFORMANCE at XXXX XXXX XXXX XXXX XXXX, WA XXXX has been sending me collection notices in the amount of ( 816 ). the collection has been reported as past due balance. I do not know this company. this company does not have a contract with my signature. they threatened me to damage my credit history.
Consumer complaint received 2021-08-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

I requested a copy of the billing statement for the XXXX activity for my account which included payments made to the mortgage as well as the payoff for the refinance of this mortgage to XXXX. I was told that they do not produce a statement for the cycle with which the loan is paid in full. I am not sure that is correct because there is still activity in that period and I wanted to validate that there wasn't a credit refund due on the account.
Consumer complaint received 2021-08-26
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. (MI)

Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.
Consumer complaint received 2023-05-30
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. (IN)

I did not consent to, or authorize nor benefit from any of the following accounts and information. XXXX and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed. 
XXXX Inquiry Date XXXX/XXXX/2022 XXXX Inquiry Date XXXX/XXXX/2022 XXXX Inquiry Date XX/XX/2022
Consumer complaint received 2022-07-06
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX - XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXXXXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$25.00}.
Consumer complaint received 2022-03-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CA)

I, XXXX XXXX received a collections letter from Transworld systems inc. at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX PA XXXX ; ph : XXXX. Referencing account # XXXX dated XX/XX/2022. 
This is in reference to a debt owed to XXXX XXXX XXXX XXXX. account # XXXX. Total debt amount {$160.00}. Former XXXX XXXX. This creditors debt is invalid, i never received the services from XXXX for which they are unfairly trying to have me pay. The account was invalidly charged, no services was ever provided and the company XXXX never provided any letter of debt or service date for actual services. They were never authorized to perform any services for the amount they are asking me to pay. The debt companies, never followed the rules, never sent me a details breakdown of this debt. When asked to send the validation letter for this debt, these debtors never sent it. This is an invalid fee and needs to be revoked as they have sent it to my credit agencies and have lowered my XXXX, and other credit as they have put this fee on my credit which needs to be removed immediately. 
You can contact me at XXXX or at XXXX XXXX
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (NY)

Public record keeps reporting falsely and inaccurate. I'm tired of disputing and getting the same result because they do not investigate as they should. I made other complaints and they go unanswered or left without update after initial response. I made a complaint with attorney general office with all the disputes and letters sent to them. Lawsuit coming for violating the FCRA law and discriminating against me.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (NJ)

there is an unauthorized credit enquiry by XXXX XXXX  on XX/XX/22 on my credit report. please investigate and remove this enquiry because it was done washout my consent, thank you.
Consumer complaint received 2022-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX has been contacted by mail on XXXX XXXX that they are incorrectly reporting the balance on the XXXX XXXX. In addition, they are failing to report payments made on the account. The information supports that the agreement to pay {$9100.00} would be accepted to settle the debt. They agreed to this amount on XX/XX/XXXX. The payments to date have been on XXXX XXXX for {$260.00}, XX/XX/XXXX for {$260.00}, XX/XX/XXXX for XXXX, and {$260.00} XX/XX/XXXX. 
XXXX is reporting the full balance as a charge off for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The payments have been reflected on the full amount of the balance which was agreed to settle for $ XXXX payments of $ XXXX {$1000.00} which leaves a balance to be paid based on the agreement of {$8100.00}. 
XXXX reports the amount due of {$14000.00} which reflects payments to reduce the balance from the amount that XXXX arbitrarily decided to report on as I am following the rules of the settlement agreement with XXXX. When I discussed the matter with XXXX the agreement would state the balance due of {$9100.00} with the payments being made. The account would be reported as closed versus a derrogative against me each months for making the agreed upon payment. XXXX is making this decision to hurt me regardless of their agreement to settle the account. 
I am demanding the XXXX honor the agreement and report accurate and honest information to all the credit bureaus. The letters sent to me do not respond to the information attached to this complaint and can be viewed as incorrect on the XXXX credit bureaus.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (IN)

On XX/XX/XXXX I logged into my Amazon store card account, managed by Synchrony bank. I needed to change the amount of my auto-payment but the site only gives you the option to cancel and then re-enroll with a new amount. I proceeded to cancel my autopay amount that was set to pay XXXX on the due date of each month. I received an email that confirmed the cancellation had been processed and as long as the date of cancellation was not less than 5 before the due date, the payment would not be processed. My due date was XX/XX/XXXX, greater than 5 days. The email also stated that I can re-enroll in autopayment at anytime. 
I then went back into my credit card account and re-enrolled in autopay and set the payment amount to XXXX. I received another confirmation stating that my new payment amount had been processed and would be deducted on the due date. 
On XX/XX/XXXX, XXXX deducted from my account. 
I noticed the amount debited from my bank account was twice what I expected, so on XX/XX/XXXX, I reached out to Synchrony Bank 's customer service via live chat and was informed by a representative that if someone cancels autopay and THEN re-enrolls, the system would debit the amount PREVIOUSLY cancelled -- and NOT honor the new amount that was just entered. This was NOT communicated to me in either email, nor is it a conscionable practice considering it is not possible to simply change the amount of the autopayment, you MUST cancel and re-enroll, so these details should be communicated. Additionally, the fact that the initial cancellation confirmation mentioned re-enrolling in auto-pay but did not mention this very important bit of information concerning the amounts is very deceptive, as is the fact that the representative noted that it is a " known issue '' they are working to resolve -- known issues should be communicated clearly to consumers.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IN)

I have received deposits to my chime account and have not been able to access my funds and XXXX weeks later when they told me i can get access again I was charged XXXX  times for the same thing. They said they didnt see the charge but once so I sent in proof and they still denied it and told me that there is nothing they can do
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Multiple inquires from XXXX and XXXX XXXX XXXX reporting hard inquiries on my credit report. Please remove from my report ( s ) Also XXXX from my XXXX report XXXX, XXXX, and XXXX XXXXl from all of my credit reports via XXXX XXXX, and Experian
Consumer complaint received 2021-12-14
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 is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX )
Consumer complaint received 2021-08-26
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. (TX)

The Bureau is reporting inaccurate information on my credit report and hasn't responded back to me concerning a letter I mailed on XX/XX/2021.
Consumer complaint received 2021-07-10
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. (KY)

I have contacted XXXX  several times in the past explaining that I have been a victim of identity theft and only a few of the things were deleted from my credit report. These items are fraud and should be deleted as well.
Consumer complaint received 2021-12-14
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. (NJ)

This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2018-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have spoken with the U.S.Secret Service regarding a wire sent abroad to XXXX XXXX. 
I signed a contract that has " XXXX XXXX '' language protecting my rights of 30 minutes before the recipient can receive proceeds from the International wire. I sent the funds on XX/XX/2018. How would I have a full thirty minutes to stop the transaction if funds were picked up or deposited? 
I am of the understanding that I have 60 days to dispute a transaction. I disputed the transaction before the 60 days were up on XX/XX/XXXX. 
I believe that I have been denied my XXXX XXXX rights of thirty minutes wait time. 

I have another separate complaint, It was found on a separate date XX/XX/2018 after I wired funds with in the United States that someone forged my name and sent the funds on to XXXX. Forgery is a crime, this was found out by a detective.
Consumer complaint received 2021-12-14
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. (GA)

I never consented to authorize nor benefited from all Inquires, Block and delete them. If I have received goods and services from the furnished Inquires, Let Experian have XXXX of their senior executive certify under the penalty of perjury that I did received good and service from those transactions.
Consumer complaint received 2021-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2022-09-23
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: REGIONS FINANCIAL CORPORATION (TX)

In accordance with the Fair Credit Reporting act Regions Bank 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 15 U.S.C 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. 

Other statutes are 15 USC 1681a 2 ( A ) ( i ) subject to 1681s-3 The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) Regions Bank making the report is NOT INCLUDED on my credit report. 

A late payment is a transactional history ; my history with your company. Congress clearly states that the reporting of transactions or experiences between the consumer ( ME ) and the person ( YOU/Regions Bank ) making the report is NOT INCLUDED on the consumer report. 

Regions Bank has violated the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience on my consumer credit report which Congress clearly states IS NOT included on my consumer reports.
Consumer complaint received 2021-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (AL)

Hey, my name is XXXX XXXX, and I'm submitting this complaint in response to AmSher Compassionate Collections furnishing fraudulent/ unauthorized information to my consumer report, which is a direct violation of 15 USC 1681b ( a ) ( 2 ) which 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. I never gave this company permission to furnish anything on my behalf. this company is also in violation of FCRA pursuant to 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. Not only is they in violation but they also have infringed on my right to privacy. pursuant 12 cfr 1016.4 ( a ) ( 2 ) this company failed to provide me my initial privacy notice, which now makes them in violation of 15 USC 6801 ( a ) which states ( a ) Privacy obligation policy 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 those customers nonpublic personal information. pursuant to 15 USC 1692g I am disputing this debt and requesting Validation See attachment for all requested documents. if this company fails to provide ALL information requested I will not hesitate to bring legal action for Extortion, Trespass, identity fraud, defamation of character, embezzlement.