davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-23
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: Experian Information Solutions Inc. (NJ)

Pursuant to the Fair Credit Reporting Act ( " FCRA '' ) Title 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to the following ; " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' As such, please provide me with the details as to how the trade-lines listed above were verified. Specifically, I am seeking information as to the following : 1. The identity of the person who you spoke to on behalf of the original creditor ; 2. Whether any communication with the original creditor was in writing ; 3. Whether a UDF form used or whether this was made through electronic automatic dispute verification ; 4. Whether you contacted the original creditor at the same address/phone number listed on my credit report ; 5. The date of the commencement of delinquency ; and 6. The specific dates when these accounts allegedly became delinquent, and specifically when said items will be removed. Please provide the above-referenced information for each and every creditor listed above. As you are aware, Section 1681i ( a ) ( 7 ) requires that you provide this information within 15 days. ( " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your reinvestigation " not later than 5 business days after the completion of the reinvestigation. '' YOU HAVE NOT EVEN RESPONDED TO THIS REQUEST. Because of your inaccurate reporting, I have been deprived of a mortgage loan with terms that are acceptable or affordable. Specifically in regards to the following tradelines. Public Record US BKPT CT NJ XXXX Chapter XXXX Bankruptcy XXXX This bankruptcy is not mine delete it immediately Account XXXX XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX  XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it Account XXXX XXXX XXXX Provide me documentation that this is my account or delete it
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I have been served a notice by Transworld Systems, Inc that they are going to collect {$620.00} from me. They state on their letter they are working on behalf of XXXX XXXX XXXX XXXX XXXX and the former creditor was XXXX XXXX. I have never done business with XXXX XXXX XXXX and am not certain what this is about, but due to the former creditor, I suspect it has to do with my time in XXXX, TX. In the fall of 2012, I worked for the XXXX XXXX XXXX XXXX, XXXX, TX and was assigned housing belonging to the school district. When I left the job in XX/XX/2012, I closed out the accounts associated with the housing, including the utilities. I did this in person in their offices. Later, I was notified by the utility that I owed them several months worth of electric bills for a period of time after I had left the premises and was no longer in the housing. I contacted them and let them know that this was not my debt and the problem was they had multiple addresses for the same houses and had mistakenly assigned this debt from another house to me. The assured me at the time they had cleared it up and I have not heard anything more about this issue until now. It is their responsibility of TSI and XXXX XXXX XXXX to verity the accuracy of any efforts to collect a debt before sending out letters such as this. I am notifying the company, in writing, that I dispute this debt and will also notify them that I have filed a formal complaint against them. I have attached a copy of the letter they sent to me.
Consumer complaint received 2020-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

I am writing to complain against PAYPAL CREDIT an online credit card service. 

1- On XX/XX/2020, I submitted an online request to revoke enrollment in electronic billing, and switch to monthly paper statements by mail. However PAYPAL CREDIT ignored my request and continues to send electronic statement in violation of the credit card agreement. 
2- On XX/XX/2020, I disputed the amount of {$400.00} that was listed as Amount to avoid Standard and Deferred Interest on your next statement on the statement of XX/XX/2020. Per the Credit Card Agreement and the Billing Agreement, PAYPAL CREDIT can not bill me for the disputed amount. However PAYPAL Credit decided once more to continue pursuing their ongoing criminal fraudulent billing practices and bill me for the disputed amount in the XX/XX/2020 statement. 
PAYPAL CREDIT criminal actions are in violation of the Fair Credit Reporting Act and the Fair Credit Billing Act.
Consumer complaint received 2022-08-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NJ)

1. Caine & Weiner has been harassing me by phone, text and email. 
2. Caine & Weiner is attempting to collect on an alleged debt that is not my obligation. 
3. Caine & Weiner DID NOT provide to me the notice of debt contents within five days after initial communication with me.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (WI)

On the beginning days of XXXX, someone called me and said they were from my bank account to notify me that I was getting scammed in Texas. I gave them information that Ive learnt later was very wrong to give. Informations like my birthday, address, full name, possibly the last XXXX of my SS. He told me someone was using my debit card information and XXXX put a stop on my account which Ive realized later why I couldnt access my account for a week. I was able to retrieve my account login just to find out I have {$8.00} left out of about {$900.00} I had before XX/XX/2023. Transactions that wasnt authorized by me was all located in XXXXXXXX XXXX. ( Ill be attaching the copies ).
Consumer complaint received 2020-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2020 Attention XX/XX/XXXX Fraud Department, I am demanding that you remove these fraudulent accounts that you have listed on my credit file. I am currently waiting on the outcome of a lawsuit in regards to the XX/XX/XXXX Data Breach this security breach resulted in millions of consumers including myself to fall victim to identity theft. My personal information was compromised and used to secure fraudulent accounts. If you refuse to remove these fraudulent accounts from my credit file, I will move forward with my lawyer and file a motion to sue your company in state or federal court. At that time, I will ask to be compensated for my time, refunded for actual damages to my credit file, as well as compensated for my mental and physical health as this fraudulent information listed on my credit file has caused me a great deal of stress. My lawyer has advised me to contact the FTC and the CFPB, which I have done and attached the documentation for permeant removal of these fraudulent accounts. 

If you refuse to remove these accounts from my credit file, I will give my lawyer the OK to file a motion against your business in 8 business days. You must provide me with debt validation documentation, by law which is legal documentation of the Section 609 of the Fair Credit Reporting Act Attached is my legal FTC report, I am also awaiting a hard copy of my police report that I have also filed. I hereby state that all information I have provided is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete information. 

The following accounts should be removed from my credit as soon as possible.

1. Account Resolution Service {$4000.00} 2.Us Department of Education {$9000.00} 3.Us Department of Education {$4300.00} 4.Us Department of Education {$10000.00} 5.All unauthorized hard inquiries
Consumer complaint received 2022-11-18
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 (MI)

My account from XXXX XXXX was paid already and they don't have any reasons to keep reporting it. Also this inquiry from SYNCB/AMAZON XXXX XX/XX/2022 was not authorized.
Consumer complaint received 2021-08-12
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: JPMORGAN CHASE & CO. (OH)

Viewed a copy of my credit report and noticed several accounts that does not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : JPMCB CARD SERVICES # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Equifax had a security data breach on XXXX XXXX 2017.  Due to this incident my personal information was impacted by this breach. I am submitting a formal complaint. I believe that this security breach has highly impacted my personal information. After going to the site www.Equifaxsecurity2017.com it appeared that I was impacted with this security breach. I did not enroll into any thing because I do not want to waive my right to sue. I was notified via email to prove that I was impacted by this security breach,. I am putting in a complaint against Equifax for their negligence of handling my personal information. I am worried about my personal information and security.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (NY)

After checking my credit report I noticed a derogatory item on my credit report saying that I owed {$1700.00}. I wrote a letter to the collection agency to dispute a derogatory item on my credit report that they reported to the credit bureaus. On XXXX XXXX they received the letter that I sent certified mail .in the letter, I told them that I am not responsible for the debt they are reporting on my credit report, and asked them to stop reporting the debt on my credit report. And to stop all collection attempts of the debt, and I also asked for them to verify the debt if they dont stop reporting the debt on my credit report. It has been more than 30 days and they have not responded to me in any way or not have they deleted the item off my credit report report, or stop attempts to collect the debt. which is a violation of section 611 of the FCRA.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (AZ)

On XX/XX/2019 collection agency IC Systems reported an open balance of {$1000.00}, I contacted the original creditor XXXX XXXX and XXXX  to advise them this was included in Chapter 7 discharged bankruptcy. They have refused to update the balance, report the account as Bankruptcy and will absolutely not respond to my right under the Federal Bankruptcy Law.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

Lender is not able to pull up Experian - XX/XX/XXXX score for me, on a {$2.00} Million dollar loan. The report says its " Frozen ''. 

I have been calling Experian for 24 days ( almost daily, many days multiple times ) and the issue is not resolved. I even called them with my lender on the line - and when they would say the problem was fixed, my lender would run the report and fail - and they would find another problem, until my lender had to jump off the line because XXXX repeatedly failed to solve the problem. 

They have misdiagnosed the problem multiple times - have taken " 3 to 5 business days to correct '' multiple times, and every time they tell me the issue has been resolved, it isn't. After multiple tries, they say with some consistency that the issue is that I have a " split '' file in the back end and my data has been confused with someone else 's with similar name or social security number. 

Additionally, I am very often disconnected after being on for 30 minutes or more, there is never any 'history ' of the endless discussions I have with them as they say 'they do not keep notes ', I have to redescribe the problem every time, and the supervisors from their dispute department continually promise to call me back - and I have yet to receive a call back. 

Lender continues to say they can not pull the report, and Experian is now again saying that they have solved the problem. 

I don't know what else to do.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (GA)

I refinanced my loan with XXXX in XX/XX/2020. Since then, I have paid additional amount to gradually reduce my principles. However the balance does not fully reflect all the money I have paid. I tried to contact the service co. ( BSI Financial ) but nobody can be reached. 

I would like to have a full history of my long balance changes.
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (MA)

ON XX/XX/2022 A CHARGE OF XXXX APPEARED ON MY CREDIT CARD ENDING IN XXXX THRU TD BANK XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  IN XXXX XXXX XXXX MILES AWAY. SINCE I WAS NEVER THERE AND SPENT THE ENTIER DAY AND NIGHT IN XXXX WITH FRIENDS AND MY WIFE I REPORTED THE CHARGE TO TD BANK AND ALSO POINTED OUT TO THEM THAT I HAD USED MY DEBIT CARD 4 TIMES FROM XXXX TO XXXX PM IN STORES IN XXXX AND NEVER LEFT TOWN. PLUS THE CARD IN QUESTION WAS IN MY WALLET THE WHOLE TIME AND THE ONLY TIME I USED IT WAS VALINTINES NIGHT. THEY REMOVED THE CHARGE AND THEN PUT THE CHARGE BACK ON 2 WEEKS LATER STAITING THAT THEY HAD A LOT OF EVIDENCE THAT I WAS THERE. THRU THE TD BANK MANAGER WE REQUESTED TO SEE THE EVIDENCE AND THEY SAID WE WOULD HAVE IT IN 10 DAYS. I HAVE BACK TO THE BANK EVERY 3 WEEKS SINCE AND THE CREDIT CARD COMPANY CONTINUES TO SAY THEY HAVE THE EVIDENCE AND WILL SEND IT IN 10 DAYS. THIS HAS GONE ON FOR6 MONTHS. I HAVE NEVER BEEN TO XXXX  IN XXXX. NO EVIDENCE HAS BEEN GIVEN
Consumer complaint received 2020-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (CA)

Hi my name is XXXX and my car total loses and we try reach kia finance so pay car in full they bein really rude and don't want to help and all we need from them guaranteed letter so we could pay them and they want to sent it our help out .. so pay them in full. And they don't want to help either and my insurance try to reach them and co parts .. i want get the solve asap and case later i want a new car and I want my credit look good too
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX partial account number XXXX should not be reporting to XXXX  ; XXXX  and Transunion that I was late on these accounts. ( Please see page attached from my credit report. ) I was in the middle of refinancing and was working with a bank representative that assured me that no late payments would report on these accounts. I was not aware that any lates were being reported until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score and need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2021-02-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (GA)

USBANK Account number : XXXX I have a mortgage with USBANK and due to COVID-19 my income has been reduced by XXXX XXXX from XXXX a month to XXXX a month. With this reduction My monthly debt is still under XXXX XXXX I had to get some things off of my credit report that was because of stolen identity but thats another story. So, I contacted USBANK to let them know that I have been affected by COVID 19 and that I need to get a loan modification for my monthly payment which is {$1700.00} a month, and I need that cut in half due to COVID-19. 

I contacted USBANK on XX/XX/2021, via USBANK website my portal access. On their website it states that if you need help click mortgage assistance so I did ( note this put me in a situation where I could not pay my mortgage for XXXX ) and they asked me to upload required documents ( business tax return, XXXX Statement and Request for mortgage assistance form ( RMA ) and I did. 

After doing all of that I got denied. I have had this mortgage for over 5 years and this is how they treated me. I have more than enough equity in my home and Im not late on the payments. 

I received a call from a USBANK rep telling me that I was denied. But, that is not helping me with this COVID-19 situation. I need a lower rate with no pmi, I am interested in a monthly payment of {$900.00} a month THAT would be the help that I need. 

I got excuses from USBANK, " saying my debt to income ratio was over XXXX XXXX but this is not true because my wife who is a teacher can help with other monthly bills. I need help due to COVID-19. Can the Cfpb help me?
Consumer complaint received 2024-02-02
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. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account number : XXXX Certified Mail # Attn CFO : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am hereby requesting all above disclosures required by Federal.

Yours Truly XXXX, XXXX ( All Rights Reserved )
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

I refinanced with my original lender pennymac in XXXX. The loan officer said that I qualified for a program to take my PMI off, because I have great credit. Fast forward to XXXX I called again to possibly refinance and get information. The loan officer I spoke with informed me that the PMI was put on the back end of my loan. I had no knowledge of this and that was not what I was told. Is there anything that I can do? I was definitely not informed of this.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (IL)

commonwealth finance at employee of XXXX XXXX XXXX has been sending me collection notices in the amount of {$570.00} the collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. 
I would like for them to take this off my credit report and do not try to put it back on my credit report
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I recently checked my credit report and noticed some inaccurate accounts reporting.