davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX XXXX XXXX  XXXX {$110.00}
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (IL)

I made the purchase of {$6500.00} on XXXX XX/XX/2020 during double reward period on XXXX using their credit card issued by Synchrony bank. The credit card agent and sale confirmed that I'm eligible for the 20 % reward and should have received the reward of {$1200.00} by XX/XX/2020. However, i only received half of the reward and still have the other half missing, which is {$640.00}. I submitted request to Synchrony resolution department in XX/XX/2020 and was confirmed by their agent in early XX/XX/2020 that i should expect the missing reward of {$640.00} in XX/XX/2020 or XX/XX/2020. Now I contacted their customer service again and they told me that they can do anything but letting me wait for 2 more months.
Consumer complaint received 2020-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MA)

Hi TJX MGR ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-30
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have two accounts that do not belong to me on my TransUnion credit report ; XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I filed a dispute with TransUnion and received a response on XX/XX/2017 that the accounts were " verified and updated ''. I filed a second dispute with TransUnion as well as contacted XXXX XXXX multiple times by phone and mail requesting validation and physical proof that the debt is mine. XXXX  sent me a letter on XX/XX/2017 stating " we have completed our investigation and reported our findings to the credit agency ''. They did not give me the results or proof. TransUnion responded with the account has been " verified and updated '' and stated they would not investigate these matters anymore unless I provided documentation. How am I supposed to provide documentation that an account doesnt belong to me? So, I am stuck with damaging inaccurate information on my credit report and no recourse except litigation. Now XXXX XXXX has listed ANOTHER fake account on my credit report ( not TransUnion ). I am hoping to resolve the matter through the CFPB rather than a FCRA attorney. Any help you can provide would be appreciated.
Consumer complaint received 2022-05-03
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. (MI)

the bureaus stated my account was properly investigated but that has proved to be inaccurate seeing as i have accounts reporting on one of my reports and not others and also have incorrect dates and loan amounts as well as inaccurate information regarding funds i recieved and or illegal obtainment of private information also threats of legal action like imprisonment 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 consent 15 U.S.C 1681n civil liability for willful noncompliance
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

Originally, after opening an account with Shop Your Way through Sears, I received a phone call from the Consumer Protection Department, but I couldn't answer so they left a voicemail. I forgot about the voicemail and it sat in my inbox. 

On XX/XX/2020, I tried to register for online access to my account using the card issuers website ( XXXX ). After I input the required information into the registration page, I received a message stating " We can not register and/or activate your card at this time. Please call Technical Service at XXXX. '' I called the number and it connected me to the Fraud Center. I was told that there was a problem with my card and that they would need an account verification either by email or regular mail. They would not tell me what the problem was, so I agreed to receive the verification. I waited for about one week and had not received anything, so I decided to try to register again and received the same results. At this point, my payment due date XXXX XX/XX/XXXX ) was 2 days away. I called the number on the back of the card to make a payment by phone, and again was transferred to the Fraud Department, and they told me the same thing, that they can't tell me what's wrong with my card, and that I would have to wait for the verification to arrive. I asked them how I could make a payment and they said they would transfer me to the payment department. I was connected to the payment department, and they told me there would be a XXXX-dollar charge for processing my payment. I declined and asked how I could avoid the charge, and they said that they could transfer me to the automated system. I agreed. When they transferred me to the automated system, it never connected me, and instead transferred me to the Fraud Center again. I spoke to a different person, and they again refused to tell me what the problem with my account was. I also asked to speak to a manager but was told that one was not available. 

This whole process cost me a {$29.00} late fee because I had to mail my payment in, which they received 2 days late. I understand I could've mailed it out sooner, but I was waiting for that verification by mail or email that never arrived.
Consumer complaint received 2019-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

On XX/XX/XXXX I received an alert from my credit monitoring service that a delinquent account had been posted to my XXXX credit report file. 

I pulled up my credit report and saw that Amsher Collection Services had posted a delinquent account for {$180.00}, placed for collection on XX/XX/2019, originally from XXXX XXXX. 

The debt is not mine. I have never had an account with XXXX XXXX. 

I immediately disputed the account with XXXX. One week later they claimed they investigated it and validated it as accurate. 

Then on XX/XX/XXXX I mailed a Debt Validation Letter to Amsher Collection, certified mail, at the address provided in the credit report. The return receipt verifies it was received XXXX am on XX/XX/XXXX in XXXX, AL XXXX. 

It has been more than 30 days now and I have received no response from Amsher, either via email or postal service.
Consumer complaint received 2019-08-08
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. (CA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I contacted Select Portfolio Servicing ( SPs ) last week by email requesting for a hardship forbearance due to the coronavirus. I am a XXXX. I have lost all my clients due to the pandemic and have no means of making any payments. 
I have been informed by SPS that they will foreclose on my house. They are insisting on my having a short sale or giving them the deed to my house. 
Congress gave $ 50b to corporations which SPS will get a substantial share of. 
My clients have lost their jobs, I have no source of income other than the stimulus that will coming from the government in the next one month. Right now, I am barely managing to survive with my XXXX children. 
This issue is nationwide and not peculiar to me. people are trying to make ends meet. There is no demand for XXXX  now. All the XXXX are closed. 
I want a hardship deferral to secure the house for my XXXX children and I. we want to keep our home and need SPS to work with us. 
In SPS 's response to my earlier complaint, they stated incredibly that they did not know where I lived. they claimed that they did not have any address for me. 
They know my address and know that I live in the home that I am trying to save. This shows their lack of good faith for them to tell outright lies about not knowing where I live or the address to contact me. I have had numerous written and verbal correspondence with them and they know that my address is the home that I am trying to save.
Consumer complaint received 2022-07-25
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. (CA)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX. 

According to FCRA Section 605B ( a ) the 3 credit bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

XXXX  charged me {$72.00} on XX/XX/2020 to renew a service that wasn't supposed to renew until XXXX/XXXX/2020. I called XXXX on XX/XX/2020 to cancel the service and request a refund for the charge, since no service had yet been given for it. They refused the refund. I then called Chase Bank, and filed a dispute. Chase bank now refuses to recover the funds, saying I received services for the amount paid. I sent them several irrefutable documents proving that was not true. They still refuse to help me.
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (NY)

HELLO, HAVE HAD MY CREDIT TOREN UP. 

WITH THE USA.EXPERERIAN.COM. 

FOR THE, XXXX  XXXX XXXX. 
CREDITOR XXXX XXXX {$930.00} OFF ACCOUNT INFO ACCOUNT NUMBER XXXX COLLECTIOM OPENED XXXX XXXX2019 TYPE FACTORING COMPA THERE TWELVE LATE PAYMENTS DO FROM THIS FACTORS. 

TAKE ALL FAULT REPORTS OFF MY CREDIT SCORE. 

THANK YOU. 

HAVE A NICE DAY.
Consumer complaint received 2020-03-28
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. (OR)

I had submitted a identity theft/fraud statement with the FTC. I sent this to all 3 credit bureaus and they said they investigated the claim and it was verified. I want to know how they verified something that is false. What method of verification did they use? They can see by visually looking at the dispute that the numbers and the amount of loans received do not match. 

The company that I am in dispute with ( XXXX  ) is purposely sending wrong information to me, the ombudsman, the credit bureaus and claiming I owe money by showing a Master promissory note that doesn't prove anything. Master promissory notes do not cover loans that were not given to you. They have to show that the school provided me with this money. I can show specifically the loans that the schools have given me, and yet XXXX persists with inaccurate information. I have the amounts I borrowed from the schools, and they do not match the ones XXXX is claiming. End of discussion, this is FRAUD! The credit bureau is willingly putting false information on my credit report by not verifying correctly. And XXXX is not being held responsible. 

Now the company in dispute XXXX, sent me a new form to fill out that states the loans on the latest statement they provided are forgery claimed by me, even though they are not the same ones as I claimed on my dispute. They want me to sign and return this for a discharge. Now XXXX is asking me to lie on a forgery statement? 

I am now adding the credit bureaus in my lawsuit for not properly verifying these loans. The are not allowing me to enforce my legal rights under FCRA 616. They insist on putting fraudulent information. Here is a copy of my report that I sent to the credit bureau, and a recent copy of the letter I received from XXXX, stating it has been verified. Once again the loans do not match. Here is a copy of the student loans I received from the schools. Only 16 of the loans match 24 loans XXXX  claims I owe.
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

I am not the primary account holder and have no control or option to resolve this account but i can tell you that I was sick with advanced stage XXXX a few years ago. During that time I was away seeking treatment. I tried to fight this through the credit bureau with no success, At this time I am not doing well physically with regards to my XXXX. I don't know who to turn to in regards to this account. Every time I try to get through I hit a brick wall and being my time is limited I would like this resolved. This company has multiple accounts with my name involved.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

I have been a customer of Citibank for many many years paying off my balance in FULL every single month. I bought a TV in XX/XX/XXXX and did so for 2 years interest free. It is IMPOSSIBLE to pay my balance in full and then apply additional money directly automatically therefore I had to rely on manual payments each month which caused multiple late fees and INTEREST, which I never pay. I made a payment of {$1000.00} in XXXX and after three attempts they FINALLY acknowleged it but here we are again. I was SO frustrated with Best Buy Citicard that I contacted the Executive Team who didn't even call me to discuss. I was SO upset in XXXX that I was speaking to a supervisor where I told them I wanted to PAY OFF the {$1400.00} for the SAC for the TV even though it wasn't due until XX/XX/XXXX because it was causing excess charges and the supervisor gave me the TOTAL including the TV. It was RECORDED. I paid over {$5000.00} to inlcude my balance AND the XXXX XXXX and now they're saying that that's not true. {$5000.00} didn't include the TV. I asked them to pull the call records and NOTHING. This is a TOTAL scam and they're lying and are not being held accountable. I am ANGRY. They are taking advantage and lying to me and will NOT help me correct this issue and are NOT applying correct payments. The response team responded and the information was WRONG. It's a JOKE AT MY EXPENSE!!!!!!!!
Consumer complaint received 2019-08-07
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. (FL)

I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered.

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA.

Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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. (IL)

On XX/XX/2020 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Jefferson Capital Systems , LLC has been holding my credit hostage. They are saying I owe money I do not. They are unable to provide me proof of this debt. The original debtor they say I owe is XXXX XXXX, who I am still a member with and have not ever owed. I still service with XXXX XXXX in which I pay them every month for. I don't know if they obtained a wrong clients info but I have and do not owe Ideal Image or Jeffersons Capital. 

I have asked them to remove this from my credit bureaus several times and although their automated system say they have asked the credit bureaus to remove them from my file since XXXX XXXX XXXX XXXX, the credit bureaus say they are still reporting every month. So, they are literally being deceptive. They have removed the debt for a while and have put it back. I need help getting this settled and to alarm CFPB of their deceptive practices. They are not going to force me to pay for something I do not owe. I am an XXXX  and I work to hard and face to many dangers this pandemic to just give my hard earn sweat and blood money to the thieves. 
I will attach an email from Ideal Image saying I do not owe or ever owed them that amount and that I currently have service with them. Thank you. 

P.S. 
I called XXXX XXXX today, now they say I owe them under another company but the price has not changed. I ask how come the company has switched and they say I do not know what was told to you yesterday XX/XX/XXXX. Now I am sure there is something deceptive going on. I need help getting to the bottom of this. I only wish I could get yesterdays recording as they say everything is recorded. I got a representative from Ideal Image to send me proof I do not owe them, but all of a sudden when I said I have proof I do not owe Ideal Image, they list another company. Please help. Thank you.