davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (MS)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$15000.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Consumer complaint received 2024-12-04
Product: Credit 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 (FL)

My XXXX broke and my XXXX XXXX closed his office several weeks for the holiday. I found XXXX XXXX XXXX XXXX ( XXXX ) would work on temporary XXXXXXXX XXXX XXXX XXXX if they couldnt fix. XXXX didnt take my insurance but the website listed XXXX XXXX as pay option and I was approved for {$15000.00}. After sitting in lobby 6 hours, the XXXX finally saw me. He had to replace the XXXX. The receptionist comes in the room & asked how I planned on paying. I had no XXXX at this point and XXXX XXXXXXXX on. She said they only toke CareCredit & that I mustve applied to XXXX through the wrong website ( XXXX is still listed on website today ). The price listed on the wall was {$390.00}. I was approved thru care credit. The receptionist said we would finish financing when I picked up new XXXX the next day after she spoke to CareCredit. She was on vacation for a week when I got there the next day and had charged me over {$5400.00} for stuff I did not get. I have disputed with care credit approximately 7 times since XX/XX/XXXX. Recently they sent a letter telling me I won the dispute. A month has past and there has been no update to my account. I spoke to XXXX 2 days ago and she said she put in a request to cut a check to me for {$930.00} I overpaid. I just went on the app and it still shows outstanding balance of {$690.00}??. They gave me bogus excuses for why my previous disputes were denied. Never sent a letter explaining the outcome until I received this last letter. I saw the RFI you sent Synchrony Bank in XXXX about CareCredit taking advantage of people in vulnerable situations. They answered the RFI saying they are not a XXXX Credit Catd because you can used the card at XXXX. That was XXXX truth tho. You can use at the XXXXXXXX XXXX but not for a tv. That XXXX that overcharged me ASKED me if he could give me a quote on XXXX I had scheduled once my XXXX XXXX because he thought he could beat the price I told him my regular XXXX was charging me. He didnt come close to beating it and then took that quote and submitted to CareCredit as my bill. They never sent a corrected bill and told me a bill does not exist even tho they denied that claim too. And I had to pay for something I never laid eyes on. This has held up my XXXX XXXX for a year now because I need to finance what my insurance wont pay. Please ask CC to send me a refund please.
Consumer complaint received 2020-04-29
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. (MA)

I XXXX XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX  refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX  ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, Commonwealth of Massachusetts, Probate and Family Court Department. XXXX XXXX  continuing with a negative reporting of the Jet Blue credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

XXXX XXXX XXXX
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. (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 2023-01-04
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

I purchased my home in XX/XX/XXXX. At the time my property taxes were not included because it was a new sub division and had not been assessed. In XX/XX/XXXX I contacted US bank to inquire about adjustments and if or how much my payment would increase due to taxes. They told me that they would recalculate the property taxes in or around XX/XX/XXXX - XX/XX/XXXX and that my payments would increase after that. Well nothing happened for an entire year my payments remained the same. I didn't receive any notices, phone calls which they call me constantly after the first of the month even though I have 15 days grace period to make the payment. But I was never notified. In XX/XX/XXXX I attempted to make a payment using their online payment site and wasn't able to make the payment it showed a payment of over 3800.00. I didn't know what was happening so I called customer assistance for help. I was then told that I had a shortage of over {$8000.00} in escrow for XX/XX/XXXX which caused the increase. I was devastated because 1. I was not notified of the increase at any point in XX/XX/XXXXand I actually called and inquired about an escrow payment but was told there wasnt any adjustments. I didnt understand why they didnt recalculate my taxes in XX/XX/XXXX which is what should have happened. If that had happened my payment would or should have increased during XX/XX/XXXX instead of causing a shortage of over 8,000.00 and placing me in risk. For losing my home. This has causes me to have three late payments and has placed me in hardship. They call every day during the grace period until I make a payment but neglected to notify me or to reassess my mortgage in XX/XX/XXXX as they should have done.
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I recently became aware that ChexSystems has been falsely reporting information using my name. I contacted ChexSystems to dispute the false reporting and further learned that ChexSystems has eight different derivatives of my name and is currently reporting them all.

I am citing : The Fair Credit Reporting Act U.S. Code Subchapter 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I would like to draw your attention to the definition of " consumer reports '' under 15 USC 1681 ( a ) ( 2 ), which excludes reports containing information solely on transactions and experiences between the consumer and the " person '' making the report. In this context, the term " person '' includes corporations such as Chex Systems. The events mentioned, including NSF occurrences, overdrafts, and account closures, are considered " transactions and experiences '' within a private business relationship between myself and my bank, not between myself and Chex Systems. Given that I did not open an account with Chex Systems, these events should not be reported by your agency. Additionally, it is noteworthy that the financial institutions sharing this information with Chex Systems are not related by any common ownership or corporate control, rendering Chex Systems a non-affiliated third party. According to the Fair Credit Reporting Act, the unauthorized sharing of consumers ' nonpublic personal information with any non- affiliated third-party consumer reporting agency is considered a breach of identity protection. I want to emphasize that I did not provide written authorization to any of the financial institutions involved to share my banking records and history with Chex Systems. This sharing of my nonpublic personal information with your agency constitutes a separate transaction that occurred without my written consent or notice to opt into the sharing of my personal information. Moreover, as per 15 USC 1681 ( d ), any " person, '' including corporations like Chex Systems, may not procure a consumer report on any consumer unless there is a clear disclosure to the consumer that an investigative consumer report may be created. This disclosure must be in writing or mailed to the consumer no later than three days after the date on which the report was requested ( inquiry date or first transaction date ). I did not receive any written disclosure from Chex Systems regarding the creation of a consumer report detailing my banking history, transactions, account overdraft status, and overall banking record. To validate the legitimacy of your claim that I provided written authorization for the creation of such a report, I request that you provide a certified mail tracking number and a return receipt showing my name and address as the recipient. If you are unable to furnish this proof within the dispute period of 30 days, I insist that you promptly delete all the transactions and experiences you are reporting about me as a consumer. I appreciate your immediate attention to this matter and anticipate a thorough investigation into the inaccuracies outlined in this letter. Your adherence to the FCRA is crucial in ensuring the fairness and accuracy of consumer reports. I look forward to your timely response. Attached below is my Driver License to validate
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 — Account status incorrect
Company: NCB Management Services Inc. (PA)

My purpose for submitting this complaint today is because, in my attempt buy my first home, I have run into an unforeseeable issue with a debt collection company that has brought this prospect to a complete halt, and I believe has potentially infringed on the rights granted to me by the FCRA. 
Quite some time ago, XXXX of XXXX to be exact, I opened a secured credit card with XXXX XXXX. Unfortunately, not long after opening the account I was laid off from work and underwent a period of financial hardship ; and I could no longer keep up with the payments. I received a notice from XXXX  on XX/XX/XXXX informing me that my account was charged off and owing in the amount of {$890.00}. At that time I simply couldnt afford to pay that amount. I later received a letter on XX/XX/XXXX from NCB Management Services Incorporated, stating that they were collecting the {$890.00} debt on behalf of XXXX, and I decided to just go forth and pay it as I was beginning to look into purchasing my first home, as well as possibly financing other endeavors, and could no longer afford for there to be this stain on my credit record. Arrangements were made with NCB to settle/resolve the debt, and to my knowledge, that was that. 
I spent the next year or so saving money for a down payment and preparing myself for the new financial venture that is purchasing your first home. So, when I recently went to go apply for a mortgage, I was baffled when the loan officer reported back that I would have to pay that same very debt to XXXX  in order to get approved. I went back to the NCB website, the collection agency to whom I made the payment, and found my account with a {$0.00} balance. I went forth and filed a dispute with all three credit bureaus. This only resulted in the past due balance being updated to a more recent month on my credit report and having an even worse impact on my score than it had before. This debt is now past the statue of limitations for Pennsylvania ( 4 years from the date of last payment, reported as XX/XX/XXXX ) but is somehow still actively hindering my ability to buy a home for my family to this very day. I searched NCB on the BBB and found similar consumer complaints. It appears they may have a history of not forwarding payments back to the original creditors they are servicing the debt on behalf of.
Consumer complaint received 2024-12-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (GA)

Subject : Cease and Desist Demand To Whom It May Concern at AmSher Collections, I am writing to formally demand that you cease and desist all collection activities related to the alleged debt associated with XXXX, account number ending in XXXX. This demand is based on significant legal grounds and discrepancies in your claim. 

1. **Incorrect Address : ** The address listed in your correspondence is not one with which I have any association. I have never resided at or been affiliated with that address in any capacity. 

2. **Inaccurate Debt Reporting : ** According to 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), you are obligated to ensure the accuracy of reported information. The alleged debt amount has discrepancies. I contacted XXXX and was informed that any device in question is to be shipped immediately. Furthermore, the amount claimed has been disputed, is not as was stated as {$1800.00}, as your notice states. 

3. **Fraud Investigation : ** A fraud investigation has been initiated due to the alleged application process demonstrating characteristics of an adhesive contract, constituting a breach of the Truth in Lending Act ( TILA ). I have alerted XXXX to these concerns directly. 

XXXX. **Unauthorized Collection & FCRA/FDCPA Protections : ** As per 15 USC 1681b ( 2 ) and the Fair Debt Collection Practices Act, I do not authorize or enter into any agreement for collection of this alleged debt. Your current actions may violate federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

5. **Licensing Violations : ** It has come to my attention that you are not licensed to operate or collect debts in either the state where I currently reside or any states where I have resided. This constitutes a further violation of legal standards governing debt collection practices. 

Given these circumstances, you must immediately cease and desist any further attempts to collect this alleged debt until these issues are resolved and validated to adhere to federal and state legal standards. 

Further contact must only occur if it involves documented proof of validation of this alleged debt, and any errors or fraudulent activity must be rectified before any attempt to collect is initiated. 

Failure to comply with this cease and desist demand will leave me with no alternative but to consider all legal remedies available, including reporting to the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] ]
Consumer complaint received 2023-01-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have made several attempts to have unverified information deleted from my credit report from XXXX   and Experian. According to the FCRA if the information disputed is not verified its supposed to be deleted. I wrote a letter to the court asking if they provide information to the credit bureaus and they wrote back saying they do not provide information to the credit bureaus. How do you verify without providing proof? Please advise.
Consumer complaint received 2022-07-14
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. (PA)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

I had a death in the family and did not realized my funds were not available for my monthly platinum card payment due to my client 's late payments. I did not receive any phone calls from AMEX, but rather once my platinum card stopped working, I called in and found out and tried to rectify the matter. However, the person I spoke with said I had to wait for three attempts to take funds out of that account before a payment could be made. I told them the funds would not be available and I wanted to cancel the payments being taken from that account and they said that was not possible. They told me I had to have the bank do a stop payment. I tried to call AMEX again, but it was too late, the second round of requests went through. This time, the account that was used was another account saved to the profile, which was no longer a valid account. So I told them, again, this was not going to have funds. They said we had to wait another three times before I could make a payment. I went online and reprogrammed the correct account, which for some reason had deleted from the system. Th the third round started, and again, it defaulted to the incorrect account. What a nightmare that the computer going awry could not be stopped! Then I found out they closed both of my accounts, including one that had never had a missed payment - I have had a perfect payment history for over 15 years. Every time I have called over the past 4 months they try to get me to a supervisor, most of whom are unavailable and when I give my number to get a call back, I more-often-than-not do not receive a call. When an employee in one of many departments does try to do anything they also say they will call me back and do not. None of the departments have any regard to my loyalty as a long term customer nor to any personal loss I have had. They throw their hands up and say they can't do anything about how the computer is set up and can not override it and they throw up their hands and name off other departments that might be able to assist me, none of which seem to be able to assist ... or they say I can re-apply. I have been getting the run-around, a big whirlwind of no one seemingly doing anything. They also each read off the same script over and over and continue to not treat me like a human being, but more like a robot. Every phone call I make is a two hour process where I am also being told things like, " you do not need to call us, we will call you, '' yet I do not receive that returned call. I have only been trying to be proactive and give AMEX money, but they are not trying to be of any assistance.
Consumer complaint received 2023-01-04
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose