davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-30
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. (FL)

THESE ACCOUNTS LISTED SOMEONE USED MY INFORAMTION T OPEN THEM THEY USED MY PHOTO ID SOCIAL SECURITY NUMBER WITHOUT MY CONSENT SOMEONE STOLE MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   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 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-04-12
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: EQUIFAX, INC. (AZ)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2022-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

1 ) Closing on new home ( new construction + new address ) XX/XX/2022 XXXX ) Home owners insurance done through broker 3 ) Insurance company sent me physical mail 4 ) USPS failed to deliver due to couldn't find new address ( my assumption ) 5 ) Because of that ( I did not respond to mail ) insurance company cancelled insurance 6 ) Mortgage company ( Crosscountry ) contacted me saying " you do not have insurance '' 7 ) I bought different insurance and provided it to Crosscountry 8 ) Now Crosscountry saying that i did not have coverage in the past for 34 days and demand proof of coverage 9 ) I called several insurers - noone provides insurance for time in the past 10 ) Crosscountry threatens to charge me about {$1000.00} for time in the past were i have gap in insurance - my total yearly insurance is about {$2200.00} 11 ) To me it is a highway robbery
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NC)

I misplaced my CareCredit Mastercard when I moved to my new house. I called MySynchrony on XX/XX/2021 to ask that they send me a new card, preferably with my original card numbers. They could not send one with the original card numbers but they said they were sending one. I use my CareCredit Mastercard for many purchases, including vet visits because of the reward benefits and the promotional purchase benefits. I just went to my XXXX to pick up XXXX for my XXXX cat and was told they were unable to locate my account. I logged into my CareCredit/Synchrony Bank account online and it is showing my account it closed with a XXXX dollar balance. 

My cat is extremely XXXX and is scheduled to have a XXXX on Thursday, XX/XX/2021, which I need to be able to use my CareCredit so that I can charge it under a promotional purchase and finance for 0 % for 6 months. However, your company has disabled my ability to ( 1 ) use my over {$11000.00} available credit ; ( 2 ) finance my cat 's XXXX for XXXX at 0 % ; and ( XXXX ) made it so that I will not receive the reward benefits for charging her procedure. Not only has this created undue financial hardship, it has also created emotional hardship, as I am going to have to figure out what I am going to do at this point since my cat has to have this procedure to assist with diagnosing her XXXX. It make zero sense that my account shows as closed with a XXXX dollar balance but your company states I owe over {$3000.00} but there is no way for me to access that account. Also, your representative knew I had not received my card, but he activated it. Then, I am told that it is activated ( and is somewhere in the mail ) but I still do not have access to the account. 

Previously, all of my encounters with your company have been wonderful. At this point, I am seriously disappointed with your company and the lack of quality or care offered to my situation. I have been a great customer for approximately 10 years. I make my payments on time. It makes ZERO sense that your company has disabled my ability to use MY account which I have a credit limit of {$15000.00} because of a reason no one knows. Also, it make zero sense that if I went and opened a CareCredit account right now at a XXXX, I would have access to use the account, but you can't give an established customer access to their account.
Consumer complaint received 2021-01-22
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. (CA)

Fraudulent account on my credit report remove this Fraudulent account from my credit report XXXX XXXX XXXX account # XXXX fraudulent inquiries flagship inqury date XX/XX/2020 Fraudulent inquiries XXXX XXXX date XX/XX/2020 and XX/XX/2020 And also correct my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX I've been living at this address for over 2 years
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (TX)

The creditor ( s ) is reporting that my wife, XXXX XXXX, and I opened an account with their company on XX/XX/2003. This is not correct. The company continues to report inaccurate information to the credit bureaus. I've asked for the original contract that we signed with them on XX/XX/2003. This information has not been received.
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

unauthorized online purchase was made resulting in a charged amount of {$960.00}. The online company was contacted and fraud was reported and online order and account/membership was canceled by the company. The credit card company was also notified of the fraud transaction and a new credit card was issued. one month later, there was a charge back by the credit card company, per credit card company, during their investigation they concluded that I personally made that online transaction and I benefited from that transaction. The credit card company was contacted once again, and I was told that they will review their decision and contact me if more information is needed for their investigation. I am still waiting for them to contact me regarding this issue.
Consumer complaint received 2021-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PACIFIC PREMIER BANCORP, INC. (CA)

I am an XXXX. I had a client trust account ( IOLTA ) with XXXX XXXX, which was recently purchased by Pacific Premier Bank. On XX/XX/21, I deposited what I believed to be a certified check from XXXX ( {$75000.00} ) which was purportedly a " client 's '' settlement check. I asked the teller what the hold time on the check was. He said there was no hold time because it was a certified check. I asked how long before the check actually cleared. He said usually quickly. The next day, XX/XX/21, I went back and asked the same teller if the check had cleared. He said funds were available. I said that I needed to know if the check had cleared ( I already knew funds were available from the previous day ). He called over the assistant branch manager, and they reviewed something on the computer, then said the check had cleared. Based on that information, I then wired the money to the " client. '' Three days later, the bank notified me ( on XX/XX/21 ) that the check was counterfeit and that my IOLTA account was overdrawn. Initially they said the bank would cover the loss, but changed that in subsequent days. On XX/XX/21, I signed paperwork for Pacific Premier to try to get the funds back from the receiving bank ( XXXX ). The next week, Pacific Premier told me they were able to get back ~ {$47000.00}, but that ( according to them ), I owe the difference. 
I asked if they initiated a fraud investigation, they said they won't. I asked if they contacted law enforcement, they said no. I am the victim of fraud, and they are not helping me or law enforcement to find the perpetrator. Also, on XX/XX/21, the assistant branch manager told me that another branch of Pacific Premier had recently experienced a similar scam, involving the same " company '' as in my case. But that branch did not send an alert to other branches. Had they done so, my branch might have noticed the same company name on the check, and this could have been prevented. The bank did not take reasonable steps to watch for a known scam, they said the check had " cleared '' when it had not ( and I relied on this information ), and they failed to report the fraud scam to authorities, or to help me identify who scammed me. This is a serious breach of their fiduciary duty to me, their customer.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name, XXXX XXXX XXXX : Account # XXXX, Account nameXXXX XXXX XXXX  : Account # XXXX, Account name, XXXX XXXX XXXX Account # XXXX, Account name, XXXXXXXX XXXX  : Account # XXXX, Account name, XXXX XXXX XXXX XXXX Account # XXXX, Account nameXXXX XXXX XXXX XXXX XXXX : Account # XXXX, Account name, XXXX XXXX XXXX XXXX XXXX Account # XXXX All above referenced accounts have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION (LA)

Someone opened up an account at Navy Federal Credit union on XX/XX/2022 in my name with all my personal information. I started receiving emails from Navy Federal and I was deleting them until I received one that says member to member transfer. So I called the bank and requested that someone stole my identity cause I do not have an account that this bank. The lady looked up all my information and stated it was identity theft. She told me that it will be reported aand closed and I needed to contact all 3 credit bureaus and Social Security Administration. The last email i received : You added a new Member-to-Member transfer recipient to your account. Now you can instantly send money to : Name : XXXX XXXX, I o not know that person and Please investigate this fraud. The lady stated thatbthe accoount would be closed and Investigated. So then on XX/XX/2022 I received an overdraft statement from Navy Federal due to the account being overdrfted by {$95.00}. Then XXXX XXXX XXXX Ireceived a bank statement. If this account was. Closed ad investigated last month why am I still receving all this information. So apparently its an inside raud job with Navy Federal Credit Union. Itried to contact Navyy Federal once again and gott no response from them. This is eallyy a serious matter and I need it to be investigate.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ve payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avadyne Health Holdings, Inc (SC)

On XX/XX/2020 H & R Accounts Inc added a derogatory mark on my credit report per XXXX XXXX & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA H & R Accounts Inc has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (MO)

XXXX XXXX  closed my account on XX/XX/XXXX or XXXX I believe XXXX. Many occasions this account was being shut down due to various circumstances for?. For some reason XXXX XXXX decides to reopen it in XXXX for? And claims I have a overdraft. When the account was closed. The account was not in the negative. Not only due the stats prove that this is not my debt, but the dates as well. This has been an ongoing process that has caused me to force myself to talk to multiple representatives that not only has it made me feel like a victim and uncomfortable about this manipulation of my identity. Sincerely Regards, XXXX XXXX
Consumer complaint received 2021-01-23
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: WAKEFIELD & ASSOCIATES, INC. (OH)

AS shown in the attached photos, an account was deleted because it could not be VALIDATED! WAKEFIELD & ASSOCIATES had put the account back on my credit report under another corporation name ( REVENUE RECOVERY ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( WAKEFIELD & ASSOCIATES ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSO XX/XX/XXXX IS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!!
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc. (TX)

On XX/XX/2020 a validation letter was delivered with certified mail to Kingston Data and credit at this day I dont receive anything to validate that debt I want them cease collection activity I dont want contact by this company anymore. I dont want them reporting such invalidated information to major credit bureaus.
Consumer complaint received 2022-07-09
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. (NC)

I disputed fraudulent information being misused and being reported to my credit score with Experian, XXXX XXXX and XXXX. I received notification that items were deleted. When i checked my credit report things on my report were changed and on positive accounts and old negative account were added back to my credit report. it seems as if the credit bureau is deliberately lowering my score. every time I send in a dispute letter, I provide identification and proof of address. They are always respond saying they need verification when I send in disputes. I am a XXXX XXXX XXXX XXXX  and my address if confirmed by XXXX XXXX.
Consumer complaint received 2023-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Alorica Inc. (PA)

I took out a XXXX XXXX XXXX XXXX XXXX which is a loan that offered {$750.00} up front and {$2200.00} once the loan was paid ( kept in a savings account ). Unbenownst to me, the loan was sold to another company, SST. I was sent an email from XXXX but was never able to receive any other communication from them. They were difficult to deal with and I was never able to log in to see my account or payments. I now have a 'charge off ' on my credit report and I have received absolutely nothing from them about this. 

I believe I have paid or nearly paid the {$750.00} which was loaned to me and due to their lack of correspondence or ability to validate that I have a debt with them I no longer want to continue to do business with this company and their poor business practices. They've also never sent me ANYTHING in writing regarding my debt, balance or anything further.
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (VA)

I received an email from XXXX XXXX from XXXX XXXX and XXXX that my credit report changed because I closely monitor it. A collection account was added to my account and I do not know what it is. I never received anything about the collection in the mail, nor did I receive a right to dispute or anything about the collection. When I logged into my XXXX account my Social Security number was showing incorrect. I have filed a dispute on that and the collection that is not mine and was never informed in any way about this being added to my credit report or the right to dispute it. I have NO CONTRACT with Jefferson Capital Syst. I did not open any accounts in XXXX 2021 in my name. Verification was never sent to me regarding this collection added to my credit report. I have no idea who Jefferson Capital SYST is.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

There seems to be an ongoing issue with obtaining my credit report through " XXXX '' where Its not allowing me to pull my own credit, this issue been going on for awhile and I even sent in the required to the pulling company and also tried on their actual website which it keeps telling I have no credit on file or any accounts thats listed which is a lie.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2021, I deposited my stimulus check into my checking account. The machine took my check and did not credit it to my account. Instead I received a receipt with a number to contact customer service. I called and a claim was filed and I was told the error would be resolved in 12 hours. Subsequently, I called the next morning as 12 hours had passed and was now told it would be 1-2 business days. The next day I receive a text message and notice in my mobile account requesting additional information. Therefore, I sent a copy of the receipt. I called back and now Im told it will take 10 days. Im appalled that in XX/XX/2021 it would take this long to resolve this issue. Undoubtedly we are referring to a check from the US government and it would take way longer to request another payment.