davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

I rented an apartment at The XXXX at XXXX, in XXXXXXXX XXXX beginning in XXXX, XXXX with a year long lease. The following spring, I needed to move back to XXXX because of a family issue, prior to the end of my lease. I gave adequate notice to vacate my apartment ( ~60 days ) and was given a letter stating that I owed {$4700.00} in order to terminate my lease early. I was shocked and sought legal counsel, XXXX XXXX XXXX, XXXX. I also consulted the Maine Consumer Law Guide to help me understand my rights in this case. As confirmed by my attorney, the law ( 14.16 " Unfair Rental Contracts '' ) states that " No matter what lease a tenant signs there are certain tenant rights that can not be waived, no matter what the lease says : A. The landlord can not charge a tenant for the months remaining on the lease after the tenant is evicted or leaves unless the landlord makes a good faith effort to re-rent the residence. '' This is the crux of the issue here. In my remaining weeks at the XXXX after I had given notice, management did not once contact me regarding showing the unit, nor was the apartment advertised during that time. XXXX XXXX advised me not to sign the " Notice of Intent to Terminate Lease Early '', in a letter to the XXXX  dated XX/XX/XXXX. Also stated in this letter is my willingness to show the apartment at any time. In addition, I paid my rent through the month of XXXX, XXXX, although I vacated the apartment before the end of the month. 

On XX/XX/XXXX, I received a letter from The XXXX requesting that I remit the amount of {$3800.00}, which was the original amount owed, less my security deposit. Upon my attorney 's counsel, I took no action to this request. Then on XX/XX/XXXX, I received a bill from Fair Collections & Outsourcing of New England, a debt collector, for the {$3800.00}. A similar letter from Fair Collections was received on XX/XX/XXXX. Upon notifying XXXX XXXX, he sent a letter to Fair Collections explaining my situation with The XXXX, and warning them to " cease and desist '' in their efforts to collect the alleged debt, and in placing a " XXXX mark '' on my credit report. XXXX XXXX sent another letter to Fair Collections dated XX/XX/XXXX again requesting that they " cease and desist IMMEDIATELY '' in their efforts to collect this disputed debt. As happened with The XXXX, my attorney 's correspondence and requests were summarily ignored. 

Lastly, I was notified by XXXX XXXX on XX/XX/XXXX, that this collection had been entered onto my credit report. Again, I notified XXXX XXXX who is now preparing further steps in this case. In addition, I have submitted disputes to all three credit reporting bureaus : XXXX, XXXX and XXXX. I do not owe this money, and I would like for this derogatory mark removed from my credit history.
Consumer complaint received 2020-10-13
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: Experian Information Solutions Inc. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME WITHOUT MY CONSENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

Experian has sent me a computer generated letter denying my right to dispute the information on my consumer report. I have sent them the proper documents and they continue with unlawful practices. 


Here is the same letter they refused to accept even though I have given them all information to properly investigate their unlawful reporting.
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX collection for {$540.00} was removed and reinserted from all 3 bureaus and I never received a reinsertion letter. 

1. Transunion XXXX XXXX removed XXXX XXXX reinserted 2. XXXX XXXX XXXX removed XXXX XXXX 3. XXXX XXXX XXXX removed XXXX XXXX reinserted According to : 15 US Code 1681i - ( A ) ( 5 ) ( b ) ( ii ) If an item as erased and is reinserted afterwards, the FCRA requires that the CRA send you written notice of the reinsertion within 5 days. 

I never received the reinsertion letter so I am asking that the account be permanently removed.
Consumer complaint received 2019-11-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (TN)

I have borrowed {$3100.00} from Rise Credit but have paid back to date {$8600.00}. However, my balance showing on their web page is still {$1400.00} as of today XX/XX/XXXX. I sent them an e-mail about this today but I don't expect them to budge as they never have before. 

After I made the first few payments to Rise I asked what their interest rate was since my payments were going up each month and they quoted 198 percent. If that is so, how could I still owe them {$1400.00}. That interest rate is extremely high. Rise did not inform me of this interest rate at the beginning of the loan. 

As a widow since XXXX with XXXX children to raise and educate, this has had a terrible impact on my finances. 

Can you please help.
Consumer complaint received 2017-11-08
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 — Investigation took more than 30 days
Company: P.S.C., Inc (WA)

There are two debts on my credit reports from XXXX XXXX XXXX. One is for a XXXX XXXX  specialist for {$2000.00} and the other is for a XXXX for {$100.00}. Neither of these debts are mine - I am in excellent health and have been to neither of these doctors. Ever. I have disputed them many times with XXXX and XXXX ( they are not on my XXXX report ) and they always come back saying that XXXX XXXX XXXX verified that the debts are mine. So, I sent a certified letter to XXXX XXXX XXXX requesting that they either offer proof that the debts are mine or remove them from my credit reports and gave them 30 days to do so. Their 30 days were up on XX/XX/XXXX/17 and I did not receive a response, nor have I received one since. I then disputed the debts with XXXX and XXXX, explaining that I had sent a certified letter to XXXX XXXX XXXX and had not received a response within 30 days. I just received a response from XXXX stating that XXXX XXXX XXXX verified that the debts are indeed mine. No, they are not mine. They had 30 days to prove it, they did not, the debts are not mine, they need to be removed from my credit reports and XXXX XXXX XXXX needs to be punished for not following the law.
Consumer complaint received 2017-11-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Risecredit, LLC (IL)

On Friday, XXXX XXXX, XXXX, while reviewing my XXXX credit report, I noticed that 2 loans that I had taken with Rise Credit were incorrectly reported as open. The two loans, opened on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, were paid in full, as agreed, on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively. 

It was then made clear that Rise stopped reporting the loan information once they were paid. 

I therefore followed up on XXXX/XXXX/XXXX with Rise 's internal disputes team at the suggestion of the customer service agent. He suggested a 2 day turnaround. I still have not heard from Rise, nor have they acknowledged my complaint. 

Therefore, today, XXXX XXXX, XXXX, I have disputed the information with XXXX, as well as filed this complaint with the CFPB.
Consumer complaint received 2022-04-06
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 (GA)

My PayPal account has now been permanently limited for the second time without any valid reason, I have not been doing anything fraudulent or that would pose a risk to the platform in any form or way and this is honestly frustrating as I use PayPal on a regular basis. The email associated with my account is XXXX.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

Amazon Store Card I have not been using this card since XX/XX/XXXX so I have not been checking my account because I know I don't use. Then I get an alert on my billpay XXXX  that I have been flagged as delinquent. I have NEVER been deliquent on any bills IN MY ENTIRE LIFE and this was the first. 

Their user interface is horrible and the most I have been able to go back is to this date on my card. I can not see past the 90 day period to find out when these charge have started. This XXXX  fraudulent charge has happened to me before and I was able to dispute it. But this time they are taking their time. When I found out that I had multiple delinquencies, I disputed it, around XX/XX/XXXX or XXXX XXXX. I was told to follow up after a month which is today XX/XX/XXXX. Now this guy XXXX XXXX from amazon store card XXXX XXXX tells me it takes about XXXX billing cycles to resolve the dispute. I ask him when I should follow up and he does not give me a clear answer. He says " I will raise a dispute from my end once again '', " we will work as best as we can and as fast as we can.. we will send letter once resolved '' .Also their user interface to log into the amazon store card is so difficult to find, It usually leads you to the amazon store first and . very disappointed with this company. I find out this week that they have closed my account before the dispute is even settled. Good thing they are still letting me log into my account but I do not know for how long. 

Fraduluent Charge XX/XX/XXXX XX/XX/XXXX INTEREST CHARGE ON PURCHASES {$2.00} XX/XX/XXXX LATE FEE Payment Due Date XX/XX/XXXX {$40.00} XX/XX/XXXX XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE Payment Due Date XX/XX/XXXX {$40.00} XX/XX/XXXX XXXX XXXX XXXX XXXX WA XXXX Premium Plus SHIPPING AND TAX {$16.00} XX/XX/XXXX XX/XX/XXXX MINIMUM INTEREST CHARGE {$1.00} XX/XX/XXXX LATE FEE Payment Due Date XX/XX/XXXX {$11.00}
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX reported inaccurate information on my credit file and shared it with TransUnion and XXXX. Attached you will find the letter from XXXX clearly stating the Bankruptcy placed on my file is unverifiable. Also XXXX advised the data being reported as unverifiable. Please have them to remove the inaccurate data immediately please. Attached you will find the letter from XXXX clearly stating the Bankruptcy is unverifiable and removed from my file.
Consumer complaint received 2020-10-13
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNT IN MY NAME WITHOUT MY CONSENT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX t

o Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WI)

I did not get a XXXX statement. I called on XX/XX/XXXX and they were not open. I called back on XX/XX/XXXX and was told the statement was mailed from Ohio on XX/XX/XXXX and they had registered that I received it on XX/XX/XXXX. I asked the dates XXXX times during my call on XX/XX/XXXX and was told the same thing. This is an impossibility mail is not delivered on XXXX XXXX so they were lying. I paid the bill. They did takeoff the late fee because I didnt receive a statement but they continue to maintain that I had to pay {$10.00} in finance charges for being late on a statement I never received. Commenity Bank XXXX XXXX.
Consumer complaint received 2020-05-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XXXX, XXXX  and Experian Are reporting this Account Inaccurate I have been disputing for about 5 months with each bureau I have attached the dates and months Experian has replied and said the account is verified this account was sold to another company years ago I have attached the letter that shows the company that the account Was sold to the issue is The 3 Bureaus are reporting inaccurate information they are reporting a past due balance of {$4200.00} And its still reporting late payments when XXXX doesnt even own the account any more. 

XXXX  # XXXX Next issue is this account With ( Experian ONLY XXXX XXXX XXXX XXXX  # XXXX I have a active account with this company thats in good standing never missed a payment Yet Experian has 2 accounts the one that I currently have which is fine and they have another account with the same credit card company thats a chargeoff been disputing that account for 5 months and they keep disputing my good account also I dont have this problem with the other 2 bureaus only Experian who is reporting this chargeoff the other 2 bureaus have the correct information which should just be the one account I have with this company I contacted the card company and they only have the card im currently using i explained that to Experian for months now and have been disputing this account and they wont remove it. 



Next issue is with ( Experian Only ) XXXX  and XXXX  removed this account for being inaccurate years ago I contacted the company company and they have no record of the account Experian says it was probably Sold and tells me to get in contact with the company which I have done numerous times and they have no record of the account or of it being sold The account im referring to is XXXX XXXX   XXXX Next issue is with account XXXX I have attached all the paper work that shows this account was sold to another company Then it was referred to a Outside attorney office when I contacted XXXX they sent me a letter saying the account is no longer in there office the account has been paid in full the collection company ( XXXX XXXX ) has Removed the account from all 3 bureaus Experian, XXXX  and XXXX  wont remove the XXXX  they keep referring me to contact XXXX and they keep telling me they dont handle the account anymore but they chargeoff is still reporting on all 3 bureaus
Consumer complaint received 2021-06-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (CA)

I entered into forbearance on XX/XX/2021. 
I was current on my mortgage at the time. 
I was informed that the forbearance included XXXX 's payment, however I was still charged a late fee of {$140.00} for that month. I had asked to have the late fee waived and I was denied. 

Also, on XX/XX/XXXX, I had enquired with the lender about exiting forbearance and what my repayment options would be. I was informed that my only options were to pay the past due amount of {$14000.00} in XXXX lump sum or agree to sign a loan modification which would raise my interest rate and monthly payment. I was also told that I only have a week to decide and the offer would be withdrawn and they only provide one offer. 
I don't feel that this is fair and I feel that the lender is taking advantage of me the consumer in this case. 
I had also asked about deferment and was told the VA does not allow this option. After contacting the VA, they stated this to be false and they most certainly do allow the deferment option. 
I want to get my mortgage back on track but I don't feel that it is right or fair to have to pay a higher monthly payment over the course of the entire loan of 30 years to do so. In the end I would have to pay approximately {$60000.00} in additional interest ON TOP of the {$14000.00} past due balance.
Consumer complaint received 2021-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MD)

On XX/XX/21 I sent Phoenix Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX, a request for Validation letter concerning a Medical Collection for {$900.00}. Phoenix Financial has failed to reply or Validate the account with me. I contacted the Credit Bureaus and they reply Stating Phoenix Financial validates the debt. But can't give info., on how Phoenix Financial has validated the debt. On my last credit report it was not Stated that Phoenix Financial has place my request is in Dispute. On XX/XX/21 I followed up with a Second request and still No reply also along with the Second letter I also sent a copy of the Second request to CFPB.
Consumer complaint received 2020-05-26
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. (NY)

I have become aware of a large sum of debt that has been obtained illegally using my identity and personal details. Most of the debt is due to collection accounts from utility and telephone companies. I have contacted the credit furnishers and credit agencies but have had no results or actions taken to help me recover from the thefts. I have since educated myself on the laws that protect me from these unjust acts. I Now am submitting my dispute and docs with cfpb so that I have record proof of the complaint since my prior mailed and site uploaded disputes have only been ignored and not completed within the laws guidelines according to the fcra.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANDY SPRING BANCORP, INC. (DC)

I found out in the process of trying to refinance in XX/XX/XXXX that Sandy Spring bank with whom I have a mortgage erroneously reported my account 30 day late. They apologized as soon as I brought it to their attention and sent me a copy of the letter sent to the XXXX credit bureaus. I have been working with Sandy Spring to clear this up ever since. I was told few days ago that it had been fixed and also received a letter in the mail to that effect. To my surprise, I pulled my credit yesterday XX/XX/XXXX and the late reporting is still showing on there hence reaching out to you guys. I've also mentioned to them that I will be filing this complaint today because I have nowhere else to turn. I have not been able to refinance due to the negative reporting and interest rate has gone up exponentially from XXXX when I noticed the late reporting and brought it to their attention till now. I will really appreciate all the help you can render. Thanks
Consumer complaint received 2020-07-10
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (CA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 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 from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.