davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove XXXX  : XXXX XXXXXXXXBalance {$240.00} XXXX-Balance {$730.00} DPT EDXXXXBalance {$20000.00} XXXX  XXXXBalance {$360.00} XXXX  XXXX-Balance {$130.00} XXXXBalance {$470.00} XXXX-Balance {$0.00} XXXX  XXXX XXXXBalance {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXXBalance {$130.00} XXXX XXXX XXXXXXXXBalance {$12000.00} XXXX-Balance {$0.00} XXXX XXXX XXXXXXXXBalance {$0.00} XXXX XXXX XXXXBalance {$2400.00} XXXXBalance {$0.00}
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendUp Loans LLC (CA)

Lendup promissory note validates account paid in full before XX/XX/2017 XXXX XXXX  XXXX  day late is impossible, though XXXX, XXXX, XXXX  misreport ). Documents validate account never late. Documents show account CLOSED in XXXX not XX/XX/2017 ; therefore, account could not be possibly closed in XXXX. XXXX, XXXX, XXXX  continue to inaccurately report for several years.
Consumer complaint received 2021-08-20
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WSFS FINANCIAL CORPORATION (NJ)

Dear WSFS, Attached please find IRS Form XXXX from XXXX XXXX XXXX. 

Attached please find Plaintiff 's Exhibit # 10 from Case No. XXXX XXXX County Florida. 

Attached please find XXXX XXXX XXXX XXXX Loan Schedule re account # XXXX. 

Attache please find XXXX XXXX XXXX XXXX Loan Schedule. 

It appears the 1099 A from XXXX  is inaccurate including but not limited to lender name, amount and account number. 

Kindly please provide accurate IRS Form 1099A or please us a send copy of letter from WSFS to the Internal Revenue Service that the attached 1099A from XXXX  was sent in error.

A copy of the financial statement that would prove what account was recorded to the accounts receivable ledger is also hereby requested.

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2019-06-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (TN)

The original debt was charged off to my credit report was in the amount of {$4000.00} around 4 years ago. Since that time I've continued to received emails stating they're willing to settle the debt at a lower amount ( see email below ). I reached out to the company multiple times on XXXX XX/XX/XXXX to inquire about the settlement offer. I was told by multiple representatives that although the account was charged off years ago the company has continued to charged the account interest and now I states I owe {$11000.00} which they placed on my credit profile recently and that they're settlement offer would be {$4700.00} which was the original loan amount, or I can pay {$1100.00} down and start back making monthly payments on a debt that was charged off. This seems to be inconsistent with the law and or illegal/unfair interest that has accumulated after being charged off. I would like to make a settlement on what was charged off on my credit of the {$4000.00} with the understanding that I am making an attempt to correct mistakes I made but not to unfair collecting practices and illegal interest being added. Your help in correcting this issue would be greatly appreciated. 

Received XX/XX/XXXX On XX/XX/XXXX you borrowed money from Pioneer Services. At that time, you signed an agreement and committed to pay back the loan but you did not honor your commitment and your account was charged off as bad debt. 
We understand you may be facing some financial challenges. Thats why were reaching out to you today to make a settlement offer on your outstanding loan. 
Were willing to accept an amount less than the total balance in order to settle your debt. If you take advantage of this offer and pay the agreed upon amount, we will report to the credit bureaus that your loan has been settled in full. * Please call XXXX-XXXX-XXXX-XXXX to discuss your options with one of our team members. This is a time-sensitive issue and requires your immediate action, so please give us a call as soon as possible.
Consumer complaint received 2019-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TN)

SYNCB/CAR CARE XXXX XXXX credit card is why my credit report took a hit due to my wife misplacing the bill and forgot to call in a payment for {$34.00} dollars than my credit report took a big hit and I really don't appreciate being treated like that due to me being a XXXX XXXX XXXX being gone during that time. We received no calls or late statements during this time, so when I called them XXXXXX/XX/2019 they told me my account wasn't showing late or delinquent. That's pretty sad when your a Veteran and treated that way due to one payment of {$34.00} dollars XXXX your credit up as much has we use it for, once this card is paid in full I will be cutting it up and closing it and going somewhere else. This is totally absurd to be treated this way.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

This is XXXX XXXX. This is a statement verifying my identity, along with my proper identification. In accordance with 15 USC 1681 ( h ) I would like to receive correspondence to the below address XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Any future correspondences from this day forward is coming from me. 

TransUnion was sent a letter disputing information being reported on my consumer report from me and was received by the company on XX/XX/2022. 

File # XXXX
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

I DID NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THEREFORE THE REPORTING OF THIS ACCOUNT IS INACCURATE AND INCORRECT. I HAVE REACH OUT THIS COMPANY SEVERAL TIMES TO NO AVAIL. THEREFORE THEY ARE IN VOLATION OF 'THE FAIR DEBT COLECTION PRACTICE ACT '.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (WA)

I refinanced my mortgage and the first payment was due on XX/XX/21. I set up a one time auto payment online with the servicer - TMS, The Money Source which was paid on XX/XX/21. I received a letter that my mortgage was being transferred to a new servicer XXXX XXXX effective XX/XX/21 and was not able to cancel the auto payment to the original servicer. The paperwork sent by TMS said the payment would be transferred by XX/XX/21 to XXXX XXXX. The payment has not been transferred as of XX/XX/21. Ive called TMS multiple times and was assured each time this would be taken care of. The last time I called they gave me a date of XX/XX/21. The payment has not be transferred
Consumer complaint received 2021-11-10
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. (GA)

XXXX XXXX XXXX has not received written permission to report information regarding transactions or experiences against my consumer report. 

Reporting late payments and alleged loan amounts constitute transactions and experiences. I did not give my written consent. 

I am disputing the reporting of these late payments and utilization by the credit reporting agencies per 15 USC 1681 ( a ) A consumer report does not contain any transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Capital One is solely responsible for damage to my credit rating by -13 points from XXXX down to XXXX on XXXX XXXX. I contacted all 3 credit bureaus to find out why this drop had occurred and they all told me that Capital One was responsible for the 13 point drop. I called Capital One, and they told me on three different occasions ( one email and two phone calls ), that they decided to decrease my 14 - year credit card account ( which was in excellent standing ), credit limit from {$20000.00} to {$10000.00}. They told me that their company is restructuring their credit limits, and that they could not reverse the damage this did to my credit rating ( score ). XXXX and XXXX   disputed against Capital One on my behalf on XX/XX/2020, but Capital One still refused to reverse their decision, and repair the damage they had done to my credit score. I have put in a repeat dispute against Capital One this day, and am reporting the problem to your company, as well as the State Attorney General of my state ( South Carolina ). I have also sent in a 100 - word statement to the 3 credit reporting agencies to communicate to any credit inquiries what has transpired with my credit report. This sort of thing needs to be stopped, as credit is very important in this world, and to have it unnecessarily damaged by a credit card company is wrong. I did nothing to create this damage, and will do everything necessary to see that this damage is fixed. XXXX and XXXX has all supporting documents. Please contact me with any additional information that you may require to assist, and thank you for your assistance!
Consumer complaint received 2022-04-26
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: SG and Associates (GA)

To Whom IT May Concern My name is XXXX XXXX. On XX/XX/2022. I submitted a dispute letter to XXXX. I saw many addresses that were not mine as well as other information. So, as a consumer, I sent a certified letter to dispute this information. I asked them to please send me my report after the investigation and how they verified it but, nothing ever came. I just happened to log on to my profile and saw that all my information was verified. How though when nothing was sent to me in regard to what they did to verify my dispute. I asked for the credit report in my letter and the means they used to verify this information was mine. 
I sent a utility bill to show my address as well as my ID. Still nothing. Two proofs of residence and they still refuse to remove all the other addresses besides the only one I currently live. My current address is XXXX XXXX XXXX XXXX Apt XXXX, XXXX GA XXXX. As of today XX/XX/2022, I still do not have an updated credit report from them. I called as well to ask them about their verifcation process and nothing has happneed. They told me they verify with their source and then I asked them what source casue these addresses are not mine they didnt say anythign but ok we updated and thats it. I take my credit very seriously and with these collections that are not mine as well as, addresses and phone numbers that are not mine are disturbing. I hope that this issue is taken seriously and that my character as well as my credit report will be reported moving forward. 

They left threatening messages on two family member voicemails directed to me, since they don't have my phone number. They said that the police was involved.
Consumer complaint received 2018-12-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (MD)

Today alone they have called my home phone 3 times/daughter/ex-husband/ step sister/ XXXX year old mother/ex sister in laws/ex brother in laws and nephew I have seen or talked to in 20 years phones all before XXXX. We had been paying what we can on a part time job of 22 hours ... instead of past due going down they kept adding more and more late fees ... {$300.00} a month is all we can afford but they continue to threaten ... already have 3 in collection
Consumer complaint received 2018-12-08
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 — Their investigation did not fix an error on your report
Company: Debt Recovery Solutions, LLC (GA)

XXXX has been non-compliant with removing the unverified account DEBT RECOVERY SOLUTIONS , LLC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that DEBT RECOVERY SOLUTIONS , LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 AFNI ( Original Creditor : XXXX XXXX XXXX XXXX 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2021-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly. It is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-01-29
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: EQUIFAX, INC. (NV)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-01-29
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. (NV)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (GA)

This company has been a headache the whole time I have tried to work with them. I completed an application a few months back when they were running a special for a free appraisal and a {$2500.00} credit. They cancelled my application, made me re-apply, and then said the previous deal no longer applied. 

After many discussions, we came to a worse agreement, but closer. 
We began to process the loan. They said I still needed to get an appraisal, even though my LTV was XXXX %. They said this needed to be a full-interior apprasial. 
When they attempted to schedule, I said I wanted to wait - which they said was fine. 

They charged me {$550.00}, which was said to be refundable until I scheduled the appraisal. 

Now, they have once again cancelled my application, this time when it was just short of approval, and did so yet again, without communication with me on their cancellation. They are now telling me that the {$550.00} is non-refundable and that they did a drive-by appraisal. This was not what was discussed and was not approved by me or anyone else. 

This company 's business practices and customer service are unacceptable.
Consumer complaint received 2020-09-14
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: EQUIFAX, INC. (MD)

I AM LOOKING AT MY CREDIT REPORT AND I AM APPLALED. I CANT BELIEVE YOU GUYS ARE ABLE TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.
Consumer complaint received 2020-09-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CA)

My debit card was in my ourse that was stolen from in side my car and I was not aware of the card being in my purse right away. I found out that my card had been used for many days by the time I relized it was missing. 
The bank denied my disputes for no reason and I have been treated with prejudice. 
demand that my account be credited for the disputed transactions that I did not authorize when my card was stolen. I disputed within the 60 day timeline, and even filed a police report. 
During the XXXX period that unauthorized transactions were being made to my account I was banking in person by transferring money from another account and coming in to withdraw cash which I used my Drivers lisence to complete the withdrawal with, since I could not find my card. Therefore I remained unaware of the activity that was taking place with money already in my account unrelated to the transfers that I completed specifically for the reason to withdraw the cash. When I withdrew cash I just took it and left and nobody ever discussed anything related to the money already in the account prior to transfer. So I never took any actions until later. I am still unsure if all transactions were disputed properly since only 9 at a time could be submitted and it became confusing to me when going through allof the transactions. My card was stoled along with my purse on XX/XX/2022 so any transactions that were made from that time forward till I was able to get a new card. They also skipped transactions when they were including each on because there is not the same amount credited back to my account Thank You