davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (GA)

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2022-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (PA)

I ordered electric bikes totaling {$2800.00} on XX/XX/21. By late XXXX I could see the merchant was not going to send me the bikes. I disputed the charge on my Synchrony Bank XXXX XXXX  Mastercard. Due to an error on the amount I indicated in the dispute, Synchrony Bank credited my account {$300.00} on XX/XX/21. I re-filed the dispute on XX/XX/21 with the correct amount of {$2800.00}. On XX/XX/21, my account was credited {$2800.00}. The very next day, XX/XX/21, Synchrony Bank RE-CHARGED my account {$2800.00}. I have submitted a total of FIVE DISPUTES on this issue. Each time Synchrony Bank responds by telling me that they credited my account {$2800.00} on XX/XX/21. Each time I submit another dispute confirming that fact but pointing out that they then recharged my account in the amount of {$2800.00} the very next day, XX/XX/21. I have copies of the statements showing the initial charge as well as the XXXX statement showing the {$2800.00} credit and the {$2800.00} re-charge the next day as well as copies of all letters and documentation I have been sending Synchrony Bank for almost one year trying to resolve this issue. I have attached my latest letter of frustration to Synchrony Bank as well as copies of my statement showing the purchase on XX/XX/21 and the XXXX statement showing the {$2800.00} credit on XX/XX/21 and the {$2800.00} recharge on XX/XX/21.
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As provided by the Fair Credit Reporting Act, I noticed there are several inaccurate items on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information. According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. Delete these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

This, for the record, is my XXXX time trying to enter this information, some technical difficulty I guess... 
Again, I am a working XXXX  man with a FHA backed home loan. This is my first home, my mother, and XXXX sister live with me. Coming off of XXXX forbearance, I asked for, and received a loan modification agreement from Lakeview loan. 
Beginning XXXX. From the XXXX payment ( I have all my receipts ) I've received resistance, but sent my payment online, by bank, anyway I could, only to receive letters from XXXX, as if I was making some kind of " m partiapayments ' in XXXX they sent my mortgage to XXXX, who accepted payment until they told me it takes time to get all my records. But the don't see any loan modification agreement, and I asked them to please let me make my payment until they straightened things out, told me they would not accept anything until they validate this. I took pics of my agreement to a supervisor, and next XXXX I know they sent paperwork to begin foreclosure. Yesterday I received a letter that from XX/XX/21 to XX/XX/21 someone hacked our information and my personal information has been compromised! I can't believe what's happening! How can this be right?! They have a copy of my 'loan modification agreement in the foreclosure papers! Now that they've stop accepting payments! 
I'm so shocked, that no one will help us, unless it's these guys who wanted us to pay them some money and hellp me, Scammers! Please, please help me! These servicers and Lakeview loanXXXX are making me look like a liar and a squatter ... And all I want is to get things in order and love my home and I love my neighbors!
Consumer complaint received 2022-09-02
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. (IL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), The credit bureaus are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The credit bureaus failure to positively verify these accounts payment history has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts late payment history must be removed and if you are unable to provide me a copy of verifiable proof, you must remove late payment statues from the account listed. XXXX XXXX According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-13
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: Experian Information Solutions Inc. (WI)

After noticing that my deferred payments, during the multiple times that I was diagnosed with XXXX, were being reported as past due, I contacted XXXX XXXX XXXXXXXX XXXX in order to have the incorrect information corrected. I contacted their customer service in XXXXXXXX XXXX XX/XX/2022 and XX/XX/2022, and I explained that I was granted deferrals during the times listed as being late. They indicated that they are reporting everything properly on their end and that I would have to submit a dispute to the credit bureaus in order to update the reporting on all 3 credit bureaus. The customer service rep further explained that no matter what I do, she rarely sees any success when disputing credit reporting information but also confirmed that she saw my deferrals in the system. I submitted MULTIPLE disputes via XXXX, XXXX and Experian without any success. It is imperative that this information is corrected due to the fact that I am applying for a commercial real estate loan and these payments will hinder my ability to qualify for the business loan.
Consumer complaint received 2021-10-15
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: Bread Financial Holdings, Inc. (NC)

I have this account on my credit when I never applied for the card, theres no phone for me to call and see when this account was opened or anything. So therefore someone opened a account in my name and i never knew about it until it came up on my credit. I had no knowledge of this at all or when it was opened.
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I noticed unauthorized inquiries on my report, after contacting the main bureaus to dispute the matter I was told to complete an FTC complaint. I did that yet no changes have been made to my credit report. I wasd then told to file a police report. Once filing a police report with XXXX Police Department, I was then only given an incident number NOT a police report. I Have attempted to explain this to various customer service representatives however, they continue to say they are unable to help me.
Consumer complaint received 2022-07-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (CA)

Company has failed to pay property insurance due to lack of funds. Account is escrowed and I have been making all payments on time. Concerned that property taxes are also not getting paid and that I could lose the property. Insurance payment is over a month late, was due XX/XX/22. Talked to mortgage company XX/XX/22 and they told me payment would be sent the following day. My insurance contacted me XX/XX/22 saying they had not recieved payment. I called the mortgage company XX/XX/22, who informed me they tried making payment with a credit card because " they could not issue a check at that time ''.
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

IN light of recent investigation brought upon XXXX, i find that my consumer file is being irresponsibly tampered with. Over the past 2 years I have made several attempts to remind you of your duty pursuant 15 usc 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 usc 1681 e ( B ) assures that i am due, promised accuracy in my report based on federal law. I am making this complaint with the bureau consumer financial protection ( 15 U.S. Code 1693a ) as well as with the attorney general as another attempt to have these errors corrected on my consumer report. 15 USC 1681I ( A.5 ) SAYS THAT AFTER THE REINVESTIGATIONS ALL OF THE UNVERIFIED INFORMATION MUST PROMPTLY BE REMOVED. YOU CAN SEE IN YOUR SYSTEM THAT THESE ACCOUNTS WERE PREVIOUSLY DISPUTED WITHOUT BEING THOROUGHLY INVESTIGATED THUS I KNOW THAT IT CAN NOT BE VERIFIED OR VALIDATED. also, you are in violation : 15 usc 1681 ( a ) ( 4 ) - Infringed Upon a Consumers right to privacy Why is this a Violation? XXXX has no business going out and looking for negative information thats Infringed Upon a Consumers right to privacy. Second Violation 15 usc 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did XXXX XXXX have MY written instructions? Did XXXX XXXX have Permissible purpose? NO, they did not. YOU ARE IN VIOLATION OF 15 usc 1681a- ( e ) MAY I REMIND YOU The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. both stated accounts were removed from XXXX so please tell me how you verified this information to be accurate?
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have asked Portfolio Recovery Associates for proof of debt in the way of the original documentation showing my signature or that I agreed to these credit card debts. I have only been provided statements again and again since XX/XX/XXXX and no contractual proof The last letter received from the is dated XX/XX/XXXX & XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im speechless. AGAIN, this circumstance is making me sick! Transunion and CFPB are impervious about my complaint. I retain sending abundant sets of letters to Transunion so the excuse of we didn't get it '' doesn't happen but then nothing occurred. It seems that they be likely to disregard the trend and let this fraud account affect my credit score. They are destined to obey with the FCRA regulation section 605b but I think they are negligent about this matter. I have already done my part by sending my documents like my DL, SSN, Address and the dispute letter I sent to Transunion. Also I have sent my FTC report and my Police Report to them but still nothing has altered. They became negligent of the FCRA law and continued reporting this information on my Credit File without Appropriate Authorization or Examination. I am an identity theft victim and I want you to do your part and REMOVE this account that caused me so much stress. 

XXXX XXXX  XXXX Date Opened XX/XX/2018 XXXX {$0.00}
Consumer complaint received 2022-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (GA)

In XX/XX/2022 the lawyer representing me sent a settlement offer letter to Cavalry Portfolio Services through their law firm. CPS  sent me a settlement offer previously and I was unable to pay the amount yet. A whole month goes by without a response from CPS. I also sent a settlement offer online via the website of their law firm and did not receive a response. After consulting with my lawyer who stated XXXX XXXX and XXXX XXXX XXXX is known to be slow to response, I decide to go ahead and call the law firm myself. I learn that they've started a court case for wage garnishment against me without any notice or attempt to resolve the matter peacefully and professionally. On XX/XX/2022 I personally went to the law firm and paid in full with cash for the collection account to be resolved. I received a receipt and a letter of closure immediately. However, Cavalry Portfolio Services viciously lied to all 3 credit bureaus and stated that I still owe {$80.00}. I have had to personally dispute this lie to all 3 credit bureaus, taking up my precious time and holding me back from financial progress. It's been 3 weeks and XXXX has yet to hear back from this corrupt business.
Consumer complaint received 2022-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ACCOUNT RESOLUTION SERVI NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-01-03
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. (WA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Consumer complaint received 2023-01-03
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 (TX)

Dear CEO, CFPB, Synchrony Bank approved my application for a credit card limit of {$6400.00} with Retailer Rooms To Go that is associated with the credit card, with a Purchase XXXX : of XXXX  % on account ending in # XXXX, but have only been reporting to the Credit Bureau a different credit limit of {$5000.00} with the same finance charges. 

After reviewing my account online through their online website and reaching out to the online customer service assistance in regards to the XXXX changes that were made without my knowledge and changed in regards to acknowledging my reasonable accommodations and not reporting accurate billing information and if they could explain and send me disclosures of their policy & procedures because of my XXXX XXXX XXXX that I needed to speak with someone who could help me understand why this happened, they told me that they had the right to lower my credit limit without consulting with me and sending me a disclosure of any new terms, future terms and conditions and/or agreements contract regarding my credit card and the finance charges and XXXX percentage oXXXX XXXX XXXX. I am being charged late fees of {$41.00} dollars, with a monthly bill of {$260.00} the day of my due dates and not being allowed to use my reasonable accommodations while still being charged late fees for my up coming bill before it is even due. I have made all my payments on time for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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. (WA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report.