davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX I purchased a mattress at Mattress Firm of XXXX, GA using a Mattress Firm credit card from Synchrony Bank for {$530.00}. 

On XX/XX/XXXX I made you use the satisfaction guarantee offered by the store and decided to return that mattress and purchase a different mattress plus an adjustable base. 

The total retail cost of the items I purchased on XX/XX/XXXX amounted to {$2500.00}. To that, a credit for my return was to be applied in the amount of {$530.00} making the total balance to be charged on my card XXXX with 24 months interest free financing. 

As of today, XX/XX/XXXX, the total balance owed on my card is {$2100.00} despite the fact that have been making payments since XX/XX/XXXX totaling {$310.00}. 

The summary of transactions on my account does not reflect the return of the first mattress for {$530.00}. I have reached out to Synchrony Bank on numerous occasions to settle this discrepancy. I have provided Synchrony Bank with a copy of my receipt as they requested. They have closed my dispute stating they do not show I am owed a credit. I have requested to dispute the decision and have been told this is not an option. The promotional period on the initial purchase is set to expire in 23 days leaving me to pay interest on a purchase i returned over 5 months ago. I have made multiple calls to Synchrony and have attempted with no success to explain how my account balance does not make mathematical sense and I am met with denial with out explanation. 

I would also like to point out I was not notified of the decision of the dispute until at least XXXX months after the decision when I called to inquire for a third time ( prior to this i had been told the dispute was still pending after the date of resolution Synchrony later gave me ). To date, I have not been given written notice of the decision by mail or electronically.
Consumer complaint received 2022-07-29
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. (NC)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXXXXXX 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 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 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 XXXXXXXX Balance : {$620.00} ; XXXX XXXX Balance : {$0.00} ; MEDICAL XXXX Balance : {$150.00} ; MEDICAL XXXX Balance : {$78.00} ; MEDICAL XXXX Balance : {$51.00} ; MEDICAL XXXX Balance : {$78.00} ; MEDICAL XXXX Balance : {$78.00} ; MEDICAL XXXX Balance : {$35.00} ; MEDICAL XXXX Balance : {$540.00} ; MEDICAL XXXX Balance : {$150.00}
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

On XX/XX/XXXX of XXXX. We went to court over this .One the order the order is blank. A copy of this order was sent to all credit reporting agencies. And the child support on that amount is not social security number. All credit reporting agencies will receive this and so will the child support registry in XXXX. If is found harsment. There will be a law suit filed. If one on can understand that court order. Where it starts blank in the order. By law I have the right to see that court order the child support registry has. To make sure everything matches what I have
Consumer complaint received 2021-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AL)

This complaint is in reference to an alleged debt owed to ENHANCED RECOVERY COMPANY. OnXX/XX/2021Enhanced Recovery Company illegally received my information without my permission and informed a third party ( credit reporting agencies ) about this alleged debt and such doings affected my credit report negatively. I have never entered into a contract, received validation of this alleged debt through the mail, validated this alleged debt, nor accepted any goods or services from this company.
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (NJ)

This company is reporting to my credit report and they have not answered any of the letters I have sent to them requesting to provide information about this account, I tried to communicate to the credit bureaus and was unsuccessful since they refused to update the information as well.
Consumer complaint received 2023-06-02
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. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX To Whom It May Concern : I am writing to complain about the illegal repo, improper reporting of credit, and other violations of the law that I have experienced at the hands of [ name of finance company ]. 

On [ date ], my car was illegally repossessed by [ name of finance company ]. I had made all of my payments on time and in full, and I had not violated any terms of my loan agreement. I contacted [ name of finance company ] to inquire about the repo, and I was told that it was because I had missed a payment. However, I had not missed any payments. 

I disputed the repo with [ name of finance company ], but they refused to return my car. I then filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB investigated my complaint and found that XXXX XXXX had violated the law by illegally repossessing my car. 

In addition to the illegal repo, XXXX has also improperly reported my credit. They have reported that I have made late payments on my loan, when in fact I have made all of my payments on time and in full. This inaccurate reporting has damaged my credit score and made it difficult for me to obtain loans and other forms of credit. 

I am also concerned about the predatory lending practices that XXXX has used. They have charged me high interest rates and fees, and they have made it difficult for me to understand the terms of my loan agreement. 
False advertising Deceptive practices Unfair and abusive lending practices In XXXX, the CFPB issued a consent order to XXXX XXXX requiring the company to pay {$1.00} XXXX in consumer redress and to make changes to its business practices. The order found that XXXX XXXX had engaged in a number of unfair and deceptive practices, including : Making false and misleading statements about its products and services Charging excessive fees Failing to provide consumers with accurate information about their loans The FTC has also filed a lawsuit against XXXX XXXX alleging that the company violated the Truth in Lending Act and the Fair Debt Collection Practices Act. The lawsuit alleges that XXXX XXXX made false and misleading statements about its loans, and that it harassed and threatened consumers who were unable to repay their loans.
Consumer complaint received 2021-11-05
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC. (MS)

on XXXX XXXX, I SENT SOS GROUP DBA HEAD MERCANTILE CO , INC letters about some alleged debts of the following:XXXX ; XXXX and XXXX that i do not owe. i never done business with them nor owe them this amount. also they gave my information to a lawyer acting as a debt collector trying to sue me which is against the law. 15 USC 1692e states : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
Consumer complaint received 2022-12-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received my reinvestigation results back from XXXX and TransUnion. They said everything was XXXX XXXX  complete and accurate. I would like to receive the description of reinvestigation according to 15 USC 1681 i ( 7 ).

Because the list of accounts below is not accurate. The date open, date of last activity/active, and date of last payments are NOT 100 % accurate. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not modify the file to report correct data or delete the inaccurate information on my consumer report according to 15 USC 1681 i ( 5 ) ( A ) ( i ).

I attach a consumer report as evidence.
Consumer complaint received 2024-12-06
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc. (RI)

XX/XX/XXXX Diversified Adjustment Service , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Demand Regarding All Forms of Communication and Reporting To Whom It May Concern, I am writing to formally demand that Diversified Adjustment Service , Inc. immediately cease all forms of communication with me, including but not limited to phone calls, emails, letters, and any other means of contact. Additionally, I demand that you cease reporting any information regarding this debt to the consumer credit reporting agencies.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are required to cease all communication with me upon receipt of this letter, except to notify me that you are terminating further collection efforts, that you may invoke specific remedies which are ordinarily invoked by you or your organization, or that you intend to invoke a specified remedy. 
Furthermore, under the precedent established by the case of 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 XXXX XXXX XXXX once a cease and desist request has been sent, the debt collector is obligated to cease reporting the debt to consumer credit reporting agencies. Continued reporting of this debt to the credit bureaus after a cease and desist request constitutes continued collection activity in violation of the FDCPA. 
Therefore, I demand the following : XXXX. Immediate cessation of all forms of communication with me. 
XXXX. Immediate removal of any information related to this debt from my consumer credit report. 
Failure to comply with this demand will leave me no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office, as well as initiating a lawsuit for violations of the FDCPA and any other applicable laws. 
I expect confirmation in writing that you have received this letter and that you will comply with my demands. Please send your response to the email listed above within 10 days of receipt of this letter. 
Thank you for your immediate attention to this matter.
Consumer complaint received 2023-05-04
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: QUALITY ACCEPTANCE LLC (CA)

I recently check my credit report and noticed unauthorised accounts being listed. I've reached out to the credit bureau to solve these issues but have not received any information or any updates.
Consumer complaint received 2019-05-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/2019, I had 8 pending charges ranging from {$0.00} being the smallest to {$140.00} being the largest. The attached statement from my online banking account will reflect that the balance of my account beginning XX/XX/2019 was {$110.00} after the first entry for that date was credited as a deposit of {$55.00}. The overnight reorganization and posting of debits/credits occurring on XX/XX/2019, reflect that the {$110.00} covered 7 of those pending charges with an ending balance of {$48.00}. The last of those pending charges remained pending on XX/XX/2019. On XX/XX/2019, Regions Bank assessed 6 overdraft fees associated with the 7 charges that posted that day at {$36.00} each, resulting in fees in the amount of {$210.00}. On XX/XX/2019, Regions sent a notice with some kind of reorganizing debit math formula to validate their {$210.00} worth of fees that they claim are overdraft fees for their payment of the 7 charges on my behalf. However, the online banking statement clearly shows that those 7 debits were paid with my own money, leaving a balance in my account of {$48.00}. As of XX/XX/2019, there was still a pending charge for {$140.00}, which had not yet posted, but for which 1 overdraft fee should be rightfully incurred once the pending charge is actually posted to the account. It seems unethical to me that a bank can assess overdraft charges based on a pending payment that has not yet posted and claim that the pending payment caused charges that previously posted to overdraft the account when there was a {$48.00} balance in the account after those charges had posted. I thought this may perhaps be an error, so I went to a local branch of the bank where a teller attempted to explain that the pending charge of {$140.00} was posted to the account before the other 7 charges, which caused the 7 overdrafts, but as a courtesy they only assessed 6 overdraft fees. A courtesy? Every single one of those 7 charges were paid with my own money with a positive balance left over, for which they charged me {$210.00} in overdraft fees, but it was a courtesy to me that they only charged for 6 and not 7? As my online statement clearly reflects, the other 7 charges were posted to the account before the {$140.00}, as the charge for {$140.00} remains pending as I write this complaint. The teller was not able to provide any printout or evidence other than her word that the {$140.00} charge posted before the other 7 charges that were posted on XX/XX/2019, nor was she willing to refund any of the fees. The only evidence that exists of the posting order of the charges on XX/XX/2019 is the online statement I have attached hereto, which shows 7 debits posted with a balance of {$48.00} and a pending debit of {$140.00}.
Consumer complaint received 2023-05-01
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. (OR)

XXXX and equifax are still reporting too collection accounts XXXX XXXX and XXXX XXXX XXXX that XXXX could not verify and has already deleted from my credit report
Consumer complaint received 2021-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I dont have any knowledge about the accounts stated below.My personal information has been compromised. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Found a hard credit inquiry on my Experian credit report dated XX/XX/XXXX. Contacted XXXX XXXX  XXXX ( the company who was on record as performing this action ) XX/XX/XXXX. Contacted XXXX XXXXXXXX, XX/XX/XXXX, and XX/XX/XXXX and was told that my letter was in the mail, except for the last one, I was told that an investigation was not performed. 
I have been on the phone with Experian for at least an hour trying to dispute this. I can not get anyone to help me. They either hang up on me ( I am on a land line ) or transfer me back into the queue and I have to hold again. 
You can ONLY dispute these types of things by calling in. Why is this so hard?!?!?!?!?!?!?!
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

XXXX Credit line inquiry on XX/XX/XXXX - called and company will submit fraud inquiry to be investigated XXXX XXXX Credit line inquiry on XX/XX/XXXX - called and company will close application XXXX XXXX XXXX Credit line/loan inquiry on XX/XX/XXXX - Successful- charged {$610.00} loan - company submitted fraud application to be investigated by company JP Morgan - Credit line inquiry on XX/XX/XXXX - called and company will submit fraud inquiry to be investigated
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (PA)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX US DEPT ED 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 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 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 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 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
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio recovery Ass reached out to me due to accounts taken in someones name similar to mine. The last 4 of SSN on this account does not match my SSN. The address used for the accounts also dont match what I had on my report. But somehow its reporting on my Credit profile. The original creditors are not listed under my creditors on my profile. So I dont know how this collection company can add a collections to my profile when the original creditors are not associated with my profile. 
On XX/XX/XXXX two collection balances for {$410.00} and {$580.00}, original creditors XXXX XXXX was added to my account. I called the original creditor and the only account they had for me tied to my name and SSN is my XXXX account. Which is current.