davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
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 — Their investigation did not fix an error on your report
Company: Aargon Agency, Inc. (NV)

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX WATER DISTRIC ) and AARGON COLLECTION AGEN ( Original Creditor : NV XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX WATER DISTRIC ) and AARGON COLLECTION AGEN ( Original Creditor : NV XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-09-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Card Acquisitions Group (KS)

On XX/XX/2021, I disputed an unknown account that appeared on my XXXX credit report. Rather than respond to the dispute/validation request, Foster and Monroe called me and left an inappropriate voice message today, XX/XX/2021. It was not a standard XXXX/mini-Miranda. It identified me as a debtor by name, threatened to add the negative tradeline on additional reporting agencies, and also threatened to make calls to my employer ( XXXX ). There was also a threat to show up and collect some " merchandise '' in person. I have no idea who they are and what they want, hence the reason for the dispute/XXXX. These tactics are illegal. I have copied screenshots of the voicemail transcript. I have a copy of the voice message saved. The dispute/validation request is still unanswered.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NH)

XXXX claims that there were late payments for 3 months. No payments were ever made late. XXXX corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and XXXX with no change. XXXX has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct information.
Consumer complaint received 2018-03-29
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

XX/XX/XXXX, I submitted a CFPB dispute and PRA responded back to my CFPB complaint with the verbiage that they are not in fault and they alleged that the Credit Reporting Agencies are at fault. After compiling research this is common tactic and practice of PRA. There are numerous compliments with the XXXX  and the CFPB of PRA reporting as a Factoring company and reporting collections as Installment loans. It is my belief that PRA employs this tactic as a collection practice in order to severely damage a person credit report and to keep the collection scored as both a collection and delinquent revolving account in an unethical and unlawful matter in order collect on more accounts and to recover more revenue. This inaccurate reporting is something that I will continue to fight and I will explore every avenue until this inaccurate trade line is deleted. PRA is breaking FDCPA 803 ( 4 ) which states that ...

" A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor '' FDCPA 803 ( 4 ).

PRA continues to report their account type as a Factoring company, revolving accounts/ " Installment Loans '' with " Collection '' status and with " Terms ''. This reporting in a violation of FDCPA 803 ( 4 ). PRA is not a creditor and can not report in this manner. There reporting is damaging my credit in a incorrect manner. The reporting is scored as a delinquent installment loan/ delinquent revolving account and as a current collection. A collection is not a delinquent installment loan and should not be reported in this matter.

I have attached a photo of XXXX credit report as evidence and in the original complaint date XX/XX/XXXX I attached a photo from XXXX.
Consumer complaint received 2021-07-16
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. (TN)

I asked my oldest son to take a look at my credit for me and upon him looking at the we saw several accounts on their that Is not mine and I dont know how this could happen but can someone help me. XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  and XXXX. Im trying to help my son and need someone to help me with this. Im doing this on my own and I reached out the accounts on there and they just been giving me the run around.
Consumer complaint received 2020-09-12
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. (NH)

XXXX claims that there were late payments for 3 months. No payments were ever made late. XXXX corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and XXXX with no change. XXXX has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct information.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2017-03-04
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LIMESTONE TITLE AND ESCROW, LLC (TN)

I was told that there was a septic tank after I movied in I found water on the ground and it had sewer smell to it so we got to looking and following it and there it was a cv pipe in ground that some one had run over so we look to see were it went to cross my yard over in the field of the neighbor s down to the tree s on her land on the ground there was not any septic I had called the guy we got the house from he said dont turn it in to the county open a can of wormes to my friend this on the phone .I called the county guy he came out said he could write me up and fine me lot of money and get my neighbor to for letting this go on her land .so I called the mortgagee were we signed said I wanted to talk to there lawyer she would not call me back I got a hold of the guy that did inspection he got mad at me said he did his job I said no you did nt no septic no foundation the Door s want close on the bedrooms he built on .there cracks in the celling floors are bad I tryed all last year get help couldn t not get any were .laywers want talk to you with out want ed money to talk to you .one laywer I talk to said I been fraud but he be retied time it went threw .but he went over the paper work said I got lied to this is why I bet he did nt want me to get home inspection said there no sent he just had one done .this last year been  XXXX  for me when I dont get much money every month to fix this right .can t sell this home way it is.
Consumer complaint received 2020-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NC)

XX/XX/2020 at XXXX XXXX PDT My company used PayPal to receive a credit card payment of {$4300.00}. Paypal immediately and without reason put a hold on {$2900.00}. I called and was told multiple different reasons as to why the funds were being held : Reason 1 : " The funds will be released when you provide a tracking number '' -I am a XXXX XXXX XXXX XXXX facility, the transaction is for XXXX XXXX there is not and will not be a tracking number.

At this point I was transferred to another representative and was given a different reason.

Reason 2- " You have gone over the {$500.00} limit on keyed in transactions. 
-I replied that I was now very uneasy with any funds being held by PayPal , that my business cash flow can not tolerate {$3000.00} being held for " Up to 21 days ''. The representative attempted to release the hold, but was not able to. I asked to be transferred to a supervisor who could release the funds. At this point I was transferred to a supervisor who gave me the third different reason. 
Reason 3 - " You have gone over the {$8500.00} limit on incoming transactions total. '' -I replied that the funds need to be released immediately and that there are unacceptable and shady business practices going on. The supervisor rudely and with glee refused to release the funds, or provide me any acceptable reason why the funds were being held, or why I had been told so many different reasons. He informed me that PayPal would not release the hold for 21 days.
Consumer complaint received 2022-01-07
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. (PA)

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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Consumer complaint received 2020-12-06
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. (LA)

Debt was paid on XX/XX/2020 and tradeline promised to be removed from credit report. Equifax is still reporting I owe this debt which is definitely not accurate. All other bureaus have removed this tradeline from my report. I spoke with XXXX XXXX on XX/XX/2020 in reference to this account. I validated this account was not reporting by Mr XXXX XXXX at XXXX.
Consumer complaint received 2021-09-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AL)

On XX/XX/XXXX, my lawyer send a letter to Navient about contacting a relative who was not an authorized contact person. I requested that they stop contacting relatives. I also asked Navient to send promissory notes on the private loans they continue to hassle me about. Navient never showed the promissory notes for the private loans which have crippled my credit since XXXX.
Consumer complaint received 2018-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

My credit rating is wrong. My score is XXXX my rating poor this is wrong. 
The score starts at 300 top score 850. In the United States Of America. 
The math is simple 300-410 is a score. 411-521 is a score. 522-632 is a score. 
633-743 is a score. 744-855 is a score. That is the American math system. 
The credit rating allowed by the United States Of America is Bad, Poor, fair,  good, excellent. If this is correct. The math is simple. My rating should read on my credit report fair with a XXXX score. My complaint is XXXX, Equifax, an XXXX  has my credit rating wrong according to their allowed score of 300-850. It has a window of 550 divided by bad, poor, fair, good, excellent you have 110 in between the 300 score and the 850 score. My score falls in the line of fair and once it reaches XXXX my rating should read good. XXXX has a correct credit report but the rating is poor which is wrong. But they are the only credit reporting company with the correct information.
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (AL)

I opened an account with Lowe 's in XXXX while building my last home. In XXXX, my home burned and in XXXX I began the process of building another home in it 's place. After the fire, my wife fell and XXXX XXXX XXXX XXXX XXXX XXXX, requiring her XXXX XXXX XXXX and resulting XXXX. She was without income while awaiting XXXX for over a year, but I continued making my payments on time. I had no choice but to use my credit card often while building our new home due to the loss of her income. ( She was a XXXX XXXX for over 20 years. ) In XXXX, XXXX I had a XXXX XXXX XXXX XXXX XXXX, which resulted in a XXXX XXXX XXXX XXXX XXXX XXXX and suffered a XXXX due to a XXXX XXXX XXXX XXXX XXXX. I received XXXX at XXXX in XXXX, AL and have recovered from the left sided weakness. But, the cognitive damage was so bad that the psychologist for the XXXX recommended XXXX for me as well. Later, in XXXX XXXXSynchrony Bank reviewed my credit report and increased my APR from XXXX % for all purchases prior to XXXX/XXXX/XXXX to XXXX % for all purchases after this date due to a high debt-to-income ratio. My wife and I inquired about the increased APR and were informed the change was based on my credit report. We requested a decrease in the APR due to the extenuating life circumstances we encountered over the past few years and were denied, even though we were never late on a payment. The last denial of this request was XXXX/XXXX/XXXX when we asked for a decrease in APR again, explaining the payments are ridiculous with a XXXX % and XXXX % APR. The " Totals Year-to-Date '' provided on my statement reflects {$2900.00} in interest charged in XXXX. When asked if " any '' assistance/forgiveness was available if we provided our medical records, we were told " no. '' We plan to have our debt consolidated when possible, pay our XXXX XXXX account in full and then close the account.
Consumer complaint received 2021-09-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MA)

I am writing in response to Specialized Loan Servicings letter dated XX/XX/XXXX, which was in response to my prior CFPB case # XXXX, submitted by myself, the borrower of the mortgage loan ending in # XXXX, on XX/XX/XXXX. 

I am writing to re-address concerns with Specialized Loan Services violation of the Truth in Lending Act, Regulation Z. Specialized Loan Service stated that the mailing address on file, XXXX XXXX XXXX XXXX XXXX MA XXXX, was not a valid address. This statement is incorrect. The property address associated with the above-referenced loan, XXXX XXXX XXXX XXXX MA XXXX XXXX as well as ownership of this property, has not changed since inception of the above-referenced loan. Specialized Loan Services did in fact have a valid address on file to issue regular correspondence to, the property address, and failed to do so for 7 years, from the date of purchase of the loan in XX/XX/XXXX until XX/XX/XXXX.
Consumer complaint received 2021-02-21
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. (FL)

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

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

The law is very clear as to the Civil liability and the remedy available to me XXXX Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2021-02-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

Good Evening sir am XXXX XXXX sir  XXXX money transfer to PayPal transfer company sir 08 month back Transfer to mony paypal account transfer to money But My account Not transfer to money My Bank deatials and personal information and address proof complete Government proof. sir Every month transaction statement comeing sir But money No transfer. PayPal transfer company No information.No response sir. Please request helping sir Thank you sir
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit profile and noticed inaccuracies and I am formally requesting that these be investigated properly with immediacy. The account information listed below Is inaccurate. 

On XX/XX/XXXX I settled with XXXX for XXXX. 
I was informed that they would report my account Accurate and as Paid. 
I have found several inaccuracies with Experian, XXXX and XXXX. 

This account as of XX/XX/XXXX reports as follows : 3 Different payment Status reporting -Reporting as a Current Collection -Experian has payment status as : Legally paid in full for less than the full balance -XXXX has payment status as : Paid XXXX has NO payment status XXXX is reporting this account as open
Consumer complaint received 2020-10-11
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. (NY)

XXXX XXXX XXXX - FINAL PAYMENT {$2000.00} ON XX/XX/2019 Creditor closed the account with a Cancellation of debt/settlement Creditor ensured they would removed this negative item from my credit/consumer file report.
Consumer complaint received 2018-07-10
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 — Investigation took more than 30 days
Company: Ditech Financial LLC (NC)

I filed a complaint on this website about a 30 day late payment and the company responded that I wasnt ever 30 days late. I asked Ditech to update my credit reports back in XX/XX/XXXX and as of today XX/XX/2018 nothing was updated. My credit is seriously impacted by this 30 day late on my credit report. I was denied opening up a new account today because of my 30 days late being reported.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed a lot of inaccurate information. I disputed it with all the bureaus and the inaccurate information is still being displayed. I sent along my driver 's license and social security card so that they would be able to verify my idenity.