davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX MO XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-01-09
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX MO XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

jefferson capital keeps contacting me about a debt i do not owe {$1200.00}. I have called in many times over the years to tell them that is not mine i have never had an account with the original creditor XXXX  XXXX XXXX and they stop for a while then continue to send me out written notices about the same account that i have already said i don't owe its been going on over seven years now i just found out about this resource your company offers so i reached out to get this resolved its not being reported on my credit so i couldn't file a dispute about it. its really just annoying at this point. 

JCS  Reference number XXXX account number XXXX
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I am submitting this complaint because Experian is committing violations to my rights as a consumer. I am demanding REMOVAL OF THE FOLLOWING FILE from my XXXX report : Bankruptcy filed. Reference # XXXX. Date filed : XX/XX/2015. 

THE BANKRUPTCY FILE HAS BEEN REMOVED FROM XXXX XXXX   and can no longer be reported by the bureaus. Experian MUST delete it from my report. I want my financial freedom back and it is my right to have your assistance. 

I expect this file to be off my report in the next 30 days. 

Please see attached XXXX XXXX deletion letter ( Page 5 ). T hank you.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (TX)

In XX/XX/2021 American Express opened and increased my card limit without any authorization or without notifying me. After the card was open there was several charges made totaling over {$30000.00}. There was several charges made several times a day, to foreign companies that will not reply to my emails. The companies do not have contact numbers listed. I was not aware of the charges until I received my statement. I immediately notified American Express of the fraudulent charges, and an investigation begin. After XXXX days, I requested another investigation and disputed the charges again. The charges were removed, however, XXXX months later the charges are reappearing on my statement again as a fraud reversal. I have tried to contact American Express, however I keep getting transferred to different representatives and different departments. I have fraud protection on my account, however, American Express failed at making me aware of the suspicious charges that was allowed right after opening my card limit without my authorization. I would like have a proper investigation, receive documentation of the investigation, and an explanation of how such activity was allowed. Also, I would like an explanation of why the charges are back on my account after a settled dispute. I have attached documentation and statements of this ongoing matter.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/XXXX, Chase mailed and offered a balance transfer promo with a promotional rate of 0 % that " applies through your billing cycle that ends in this month XX/XX/XXXX. '' ( Quoted direct from promo mail. ) However, when I called on XX/XX/XXXX to inquire the customer service representative said that 0 % promotional rate would stop applying " XX/XX/XXXX. '' ( Quoted customer service rep 's words exactly as when the end date of the promotional rate to be applied would be. ) Therefore, Chase haphazardously or intentionally would receive one whole month of interest that would have been unbeknownst to me if it not was for my inquiry. Thus, the advertisement is misleading. Many customers are potentially at risk.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that any information furnished to a consumer report must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX XXXX any written consent to to report anything on my consumer report. NO CONSENT = IDENTITY THEFT! The following inquiry is being fraudulently furnished to my consumer report. I did not authorize, benefit from, nor consent to this inquiry and I demand for it to be removed from my consumer report immediately. 1. XX/XX/2021 ( XX/XX/2021 ). If this fraudulently furnished inquiry is not removed, I will hold XXXX NA criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative and fraudulent item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXXXXXX XXXX  can not provide to me a copy of when I sent written permissible purpose to validate this inquiry, I demand it be removed in 4 days. Enclosed is the FTC Identity Theft Report which states the inquiry that is being fraudulently furnished.
Consumer complaint received 2020-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX called me everyday for months. They would call and ask me for personal information. I did not want to give them my SSN, birthdate or anything else. I offered to verify what they have. I also asked for a written notification. Instead they hung up and called back every day and did the same thing. They also repeatedly called my office phone without permission and any records they bought would have a do not call work on file. They must have looked up my new employer. 

When I finally received a letter, I called to make arrangements on XX/XX/2020. The agent I spoke with offered a settlement of one payment of {$700.00}. I agreed to a payment on XX/XX/2020. This is recorded. The agent instead, processed an immediate payment on XX/XX/2020 and scheduled a second payment of {$700.00} for XX/XX/2020 for a total of {$1400.00} and not the {$700.00} of the agreement. 

I called the next day to explain the payment had been processed sooner than I agreed. The representative informed me she would refund the {$700.00} and mark my credit that I failed to comply with a negotiated settlement even though she clearly understood her company had misrepresented the situation. I asked for another agreement in writing this time and was told it is their business practice not to offer any agreements in writing until AFTER the payments are made. 

This type of company is the reason consumer protections had to be created in the first place.
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/2019, I sent a transfer of {$1100.00} to an acquaintance. The screen prior to confirming the transfer stated that " You'll send {$1100.00} USD '', " You'll pay {$1100.00} USD '', and " [ acquaintance email ] will receive {$1100.00} USD ''. Therefore I expected the recipient to receive the full amount, but in fact he had a significant amount deducted before receiving the transfer. It is unreasonable to claim specifically that the recipient will receive a certain amount and then take a fee such that he doesn't in fact receive that amount.
Consumer complaint received 2022-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAVALRY INVESTMENTS, LLC (TX)

XX/XX/2022 a collection was added to my account I had to knowledge of. I received phone calls from people who gave me no information so I was skeptical. Once I received notice of collection actually hitting my credit report I made payment. I was not given any warning to pay prior to going to collections. Balance was {$1900.00} and I settled for {$1000.00} within a week. I believe it is unfair to report because I was blindsided by the debt which occurred in XXXX.
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (IL)

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 XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am disputing the charge-off accounts with past-due balances, unauthorized Partial Account Numbers, and outdated account information XXXX to XXXX XXXX XXXX, thats displayed on my credit report. The Fair Debt Collection Practices Act gives accurate, and precise instructions that promote accuracy concerning information placed on consumers credit files for current and future verification. However, when certain information concerning accounts and account numbers are not displayed accurately on credit reports, this issue becomes abusive, unfair, or deceptive practices that involve erroneous information being placed on consumers credit profiles which is a Fair Debt Collection Practices Act Violation. 

A charge-off account is identified as the following : no longer valid, closed, terminated, canceled, or discarded. There is nothing available to conceal or protect when dealing with a charged-off account that is no longer active. Credit agencies have led consumers to believe by placing partial account numbers on credit reports is preventing possible identity theft of information. When in actuality the account numbers are being concealed which prevents account information from being properly verified by consumers. 

When creditors provide account information to credit agencies, they receive a complete account number without symbols or foreign characters. When credit agencies conceal, replace, or add other characters to an account number on the consumers credit report, the account information then becomes inaccurate and erroneous reporting. A charged-off account is no longer subjected to identity theft for future gain. 

According to the Fair Debt Collection Practices Act, a past-due account refers to a payment that has not been made by its due date. My concern and question at this point are how a charge-off account can have a past-due amount when the charge-off account is closed and no longer considered an active account. 

The only accounts recognized to have past-due balances are active accounts, late payment accounts, and accounts placed on a forbearance agreement plan. This means the charge-off past-due accounts with past-due balances listed on my credit report are inaccurate and erroneous information. This means the creditor is still waiting for a payment to be made on a closed account that has been sold to a different agency. This is a violation of XXXX XXXX. XXXX Section XXXX ( a ) ( XXXX ) ( B ) when promoting accuracy and fairness.
Consumer complaint received 2023-01-09
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I recently had a name change and I trying to update my information with everyone. I had a checking and saving account with Bank of America, however, the checking account was closed. I believe I still have a savings accounts, however, I dont have the account number or anything to authenticate myself.
Consumer complaint received 2020-04-29
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. (AR)

I was informed by my car salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to shoe me my report and there was a list of items that are not mine. Please remove these items from my report as soon as possible.
Consumer complaint received 2024-12-02
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC (NJ)

I am the executor to my uncles estate. 
We have spent the entire last year rehabbing the home so that we could sell it. It was a hoarders home. 
I have asked the mortgage companyShellpoint Mortgage, twice in the last XXXX XXXX  to send me the payoff information so that I can forward it to the title company XXXX XXXX. They told me both times it would take up to XXXX business days. I did not receive either of the said sent emails. I checked the email address with them and it is the correct one. I called them back today, again to get the information only this time were going to fax it directly to the title company. Again, its going to take up to XXXX business days. I can only guess that its gon na take XXXX days because theres XXXX more days of jacking up the monies due. 
I believe this mortgage started out at about XXXX give or take. It is now up to XXXX but the title company can not take a verbal. I know we didnt make payments over the year and I know theres late fees and all that good stuff. But they know this is an estate! They know the owner has passed away. And they know we didnt have the money! my uncle was not a rich man and neither are we. 
Is it actually legal in an estate to charge that much money? 
With all that being said, my big complaint is the fact that they keep lying to me and theyre not sending the information to the title company or to me. And in my eyes, all thats doing is taking the monies that are due up even higher. 
Is there anyway in this crazy greedy world that we can resolve this? 
I thank you for any and all help
Consumer complaint received 2022-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (CA)

I got an alert from the credit reporting agency that I have a collection on my crtedit report from Amsher Collection service. I have never received any written information about this dept and was not given the oppertunity to dispute or request validation of this debt. They added a collection and then called me to settle the debt after the damage was already done.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Consumer complaint received 2023-01-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Service Company, INC (TX)

CREDIT SERVICE IGNORED MY Affidavit of XXXX, Notice & Demand, & CEASE AND DESIST DEMANDS. THEY DID NOT RESPOND WITHIN XXXX XXXX DAYS PURSUANT FEDERAL LAW. XXXX SERVICE illegitimately assumed the role of reporting information about me. I've reach out to XXXX Service; in attempts to resolve their XXXX and XXXX actions ; amicably and out of court more times than I've kept record of ; via telephone and XXXX CERTIFIED MAIL tracking number : ( XXXX ). FIRST AND FOREMOST IVE NEVER DONE ANY TRANSACTIONS WITH CREDIT SERVICE SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. CREDIT SERVICE HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. ITS IMPOSSIBLE! SECONDLY IF THEY DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS CREDIT SERVICE ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS CREDIT SERVICE KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AXXXX IDENTITY THEFT. XXXX XXXX REPORTING FALSE ALLEGATIONS TO XXXX PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE EXPERIENCED DENIALS, UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
Consumer complaint received 2020-04-30
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (SC)

On XX/XX/XXXX i had my house scheduled to refinance with Freedom Mortgage for a XXXX  loan. The notary had a tire blow out and couldn't make it. I realized it was Friday and we couldn't reschedule but i never heard anything from XXXX XXXX XXXX XXXX. I Finally lwas able to reach XXXX XXXX the following Tuesday XX/XX/XXXX after leaving several messages and emails. He informed me he would send a email to the closing department and i should hear back from them. Nobody ever called. I called several more times because i was getting quite concerned that maybe this was a scam and i finally got in touch with him. I expressed my concern and his response was " what did i want him to do ''? Well i justvwas trying to get some information I was told to hold my payment and i didn't know what to do. Finally someone called and informed me they were working on it and i closed XX/XX/XXXX. 
Customer service was horrible and no one should be put in this same situation. 
I please ask you to help so no person has to go through this kind of stress.