davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (NJ)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.

These items/accounts are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
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
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (TX)

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a third Follow-Up Letter ( XX/XX/XXXX ), and a Fourth Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ). In total, I have sent four letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect medical collections along with inquiries that are not mine four times. On different occasions, I have received responses from all three credit bureaus with confirmation of these medical collections being removed/deleted from my credit report.

The medical collections are the following : XXXX. XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX  of XXXX '' for the original amount of {$260.00}. This medical collection was removed/deleted in XX/XX/XXXX. I have attached supporting evidence to show this medical collection has been deleted. On XX/XX/XXXX, the medical collection that was previously with XXXX XXXX with account number XXXX for the original creditor " XXXX XXXX  of XXXX '' for the original amount of {$260.00} was sold to Lockhart , Morris & Montgomery, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX. 
XXXX. Law Offices XXXX with Account Number XXXX for the original creditor " XXXX  XXXX XXXX '' for the original amount of {$220.00}. This medical collection was removed/deleted in XX/XX/XXXX. On XX/XX/XXXX, the medical collection that was previously with Law Offices XXXX with account number XXXX for the original creditor " XXXX  XXXX XXXX '' for the original amount of {$220.00} was sold to Lockhart , Morris & Montgomery, and the account status showing as Opened. This is inaccurate information as this was disputed back in XXXX and removed/deleted in XXXX.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (GA)

I am a consumer and natural person. Synchrony Bank has committed fraud, denied me credit therefore violating federal consumer protection laws. 

Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Synchrony Lending , Inc. violated 15 U.S. Code 1642, 15 U.S. Code 1602p and 15 U.S. Code 1691.

Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 1681m, I can not be denied credit.

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1605 that a finance charge was involved because my social security number was used.

Fact, Affiant is aware and has proof pursuant to 15 U.S. Code 1602 that the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit ) is unauthorized use because I received no benefit. 

Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681b that Synchrony bank fraudulently obtained my nonpublic personal information from XXXX and XXXX because I did not provide either corporation with written instructions to furnish my consumer report to Synchrony Bank. Also, I did not provide Synchrony Bank with written instructions to retrieve my consumer credit report.
Consumer complaint received 2023-03-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (RI)

XX/XX/2019 Current Balance : {$950.00} Debt was placed on my credit report and now its damaged my credit bad I dont have emails from them but I keep receiving mails at my residence and feel threatened
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (MS)

I sent a letters to XXXX certified mail with return signature on XX/XX/XXXX and XX/XX/XXXX requesting that they validate the debt they claim I owe and a cease and desist if they are unable to validate the debt. XXXX has failed to provide : 1. Documents from your company bearing my signature. Signed wet ink ; 2. Prove I have ever received any benefits from you.

3. The amount of claimed debt, a true bill ; 4. Explain and show me how you calculated what you claim I owe ; 5. Provide me with the originals of any documents that show I agreed to pay what you claim I owe ; 6. Provide a verification of any judgement if applicable ; 7. Prove the Statute of Limitations has NOT expired on this account ; 8. Show me that you are licensed to collect in my state ; 9. Provide me with your license numbers and Registered Agent or Agent of service ; 10. If the claimed debt was sold please provide the accounting in accordance with XXXX XXXX XXXX if they do not validate your debt yet continue to pursue collection activity by filing for judgement, call or write you. FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX. {$1000.00} XXXX now owe me {$1000.00} due to violating my rights.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (VA)

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

TRANSUNION is DEMANDED under the F.C.R.A and C.F.P.B.to exercise their GRAVE DUTIES to ensure accurate reporting in respect to a consumers RIGHT to PRIVACY. Under the Gramm Leach Bliley Act TRANSUNION is a FINANCIAL INSTITUTION, so I have exercised my FEDERAL RIGHT under 15 USC 6802 to OPT OUT of their NEGATIVE reporting on requested accounts. TRANSUNION is NOT required by law to report negative information. I have demanded TRANSUNION remove from my reputation negative accounts that are being reported by OBSCENE MATTERs of Racketeering in attempts to collect payment on finance charges when in fact the alleged debt has already been paid for under finance charge 15 USC 1605. TRANSUNION has stated to me they respect the consumer and Obeid by the CFPB guidelines but continue to violate me and violate the CFPB showing in fact a lack of respect to I the consumer and a lack of respect to the CFPB and continue to take part in Racketeering means with furnishers who have also been put on NOTICE. TRANSUNION has sent me a letter stating their RE-investigation has been completed this is in fact a STALL-TACTIC because I DID NOT REQUEST REINVESTIGATION. TRANSUNION IS BIAS IN THEIR INVESTIGATION. I DEMANDED DELETION IN RESPECT TO TRANSUNIONS GRAVE DUTIES RESPONSIBILITIES TO ENSURE RESPECT AND BANKING SYSTEM CONFIDENCE which they have not. Because of TRANSUNIONS WILLFULL FEDERAL VIOLATIONS I have lost confidence in the banking systems and I will NO LONGER extend my credit UNTIL THIS MATTER IS RESOLVED. I DEMAND TRANSUNIONS TO ACT IN GOOD FAITH AND SHOW RESPECT TO I THE CONSUMER AND SHOW RESPECT TO THE C.F.P.B. and perform accordingly and delete demanded accounts permanently.
Consumer complaint received 2023-03-28
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

this account from XXXX XXXX was opened by fraud. i had this information blocked off my credit with a police report and then this company bought the debt and put it back on the credit per fcra they violated the law im asking for them to detete off credit reports asap national credti adjust date opend XX/XX/2021 balance XXXX
Consumer complaint received 2022-11-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Cheadle Law Firm (TN)

I had filed XXXX  XXXX and it was for 4 years. I paid continuously for three years. Life circumstances happened. I was unable to pay the last year so my XXXX  XXXX was dismissed. Collection agencies started bombarding me. I was able to work with some and make affordable payments. XXXX XXXX which is XXXX XXXX started sending me papers to appear in court. I missed the first one as I was very pregnant, high risk and majorly XXXX. Then a policeman showed up with the court papers and told me if I didn't go to the next court appearance I would go to jail. Went to court. Told the lawyer I was unable to pay {$200.00} a month but could pay $ XXXX she said smallest amount I could pay was $ XXXX. I tried paying the best I could. I'm the only one working in my family. I'm working overtime just to survive. They did a levy on my bank account for one month. They have sent out another letter for me to appear in court. These people are the worst type of people and only out for blood. My XXXX  and XXXX has almost gotten to me numerous times. The lawyers for that company XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from XXXX.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

Not a duplicate as NEW information has been provided. Per CFPB rules new information or evidence must be reviewed. 

With new and additional supporting documentation provided I iterate my complaint as being valid and the overcharge of {$200.00} assessed by the merchant for damages to the rental car to be fraudulent. If Chase wishes to be victimized by the merchant than that is their business, I for one do not and will not. I find Chases investigation into this matter subpar at best. Chase has taken the merchants claims and supporting documentation no matter how false and inaccurate it may be over their valued Customers claims and supporting documentation. This is very concerning as a Chase Member and card holder. So much so that I've since refrained from any further major purchases since the incident at hand and the shocking support for the merchant and their bogus claims over their own valued Customer whom has never shown a history making any such claims in the past. Chase 's investigation into this matter has produced color pictures of the alleged damage to the vehicle that the merchant claims was caused while the vehicle was under my rental term. The problem with the merchants claim and supporting documentation is that the evidence provided clearly depicts damage to a white vehicle, yet the vehicle rented was dark gray in XXXX. This is even further proof that you are being scammed! I have provided a picture of the Vehicle XXXX and will provide further testimony of the XXXX and pristine condition of the vehicle 's return should you decide to take this matter serious.
Consumer complaint received 2020-10-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

I am not in foreclosure. I also received a demand letter on or about XX/XX/XXXX, that my mortgage would be accelerated by XX/XX/XXXX if payment was not paid in full for the arrears. The XXXX, a federal agency, issued a ban on evictions until XXXX due to the XXXX Pandemic. 

I was not offered a solution as required under Executive Order from XXXX XXXX due to the XXXX Pandemic prior to these threatening notices. I feel that the notice taped to my front door was a threat to prematurely lock me out of my own home which is not legal under the laws of ANY state or federal entity. I feel that an additional threat to call my mortgage due on XX/XX/XXXX is another violation under the current order issued from the XXXX. 

I tried contacting the loan servicer who was not able to provide information to me regarding the XXXX XXXX notice to secure my property in the next few days. However, they did own the threat of calling my mortgage due by XX/XX/XXXX in spite of the Executive Order issued from the XXXX. 

Finally, I have force placed insurance on the property for which I am being charged. I have requested a copy of the actual policy on at least 3 occasions. I have not been provided a copy of the policy still. I received instead a copy of the declaration page only. I live in a hurricane corridor which began in XXXX and I am entitled to the actual policy for which I am being charged. I had issue with the declaration page because it describes the policy as " FIRE '' insurance coverage. I was not able to get the issue resolved by phone neither written requests to Selene Finance. I received a letter dated XX/XX/XXXX and again XX/XX/XXXX that my written requests had been received. I have yet to receive a copy of the policy for which I am being charged every month. Moreover, I do not believe that I have hurricane/ windstorm coverage or homeowners insurance coverage protection although XXXX continue to be charged. Hence I file these complaints.
Consumer complaint received 2021-11-02
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: CITIBANK, N.A. (PA)

on XXXX, i was reviewing a copy of my credit report and i seen some account that were opened in XX/XX/2021 and XX/XX/2021. I did not open these accounts and i would like to get them removed ASAP.
Consumer complaint received 2023-03-06
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 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$78.00} XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 2021
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 — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

This is my 6th venture to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or deceit. 
XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} XXXXXXXX XXXX XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} MEDICAL XXXX Balance : {$140.00} MEDICAL XXXX Balance : {$94.00} MEDICAL XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$0.00}
Consumer complaint received 2022-07-28
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. (CA)

Last month, I have submitted a dispute letter to the Credit Bureaus addressing the removal of the US BANK account, with account number XXXX. I even tried calling them to make a follow-up on the removal of the said account, and they have advised me to submit all documents to verify my identity and for them to acknowledge that the account was opened without my knowledge. I did follow their advise and submitted the documents needed regardless of enclosing all those documents in my previous letters. They confirmed that the account will be removed but upon checking my credit report today, the same account is still reporting with the same status. Having been doing a lot of follow-ups through letters and calls, I am still not getting the results that I want. Thus, I am seeking again for your assistance to have these 3 Credit Bureaus address my concern effectively. They have neglecting my request intentionally and this is not acceptable. I would love for them to have this account remove immediately.
Consumer complaint received 2021-02-13
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 have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2024-12-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (OR)

I am XXXX XXXXXXXX XXXX XXXX XXXX XXXX  many times I did transfer money to my bank account they usually put long holds up to 15 days on my account, which caused a lot of problems and stress for me as an XXXX XXXX  here and extra fees for delayed payments, also some times I have been telling them that I dont have even money to buy food but they literally didnt pay attention and just repeated words like robots! 

More than a month ago I reported a scam on my account and they started closing my savings account without telling me, and I was supposed to receive a cashier check in 7-10 business days which I have not received yet after 35 days! After a lot of calls and going to the branch and supposed to receive check from branch, I am told that I will receive a check in 7-10 business days by mail! They also have closed my credit card without letting me know on time again, I receive letters after my account are already closed, and today I noticed that they are also closing my checking account too! All my money is frozen now in their bank with no reason! I told them I have no money to buy food even and they didnt pay any attention. As an XXXX XXXX just graduated with no job and stable income its been so frustrating, while providing the expensive currency in this broken economically situation if XXXX is another hard process for us! I really appreciate your help and consideration on this case! Its XXXX and I dont think that transaction of money or even disclosure of account should not be in this way! I am very frustrated by this bank and I want all my money back as soon as possible to open a new bank account. 

Best, XXXX