davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
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. (NJ)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (GA)

This is my 7th 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 Balance : {$130.00} XXXX XXXX XXXX  XXXX Balance : {$10.00} ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX WY XXXX, VA XXXX ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I am the victim of a Brutal Criminal and STILL am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance.
Consumer complaint received 2021-12-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MD)

In XXXX of 2020, a merchant denied me of cancelling items that I told them I would no longer need. I used synchrony bank to make the purchase and complied with the companys policy to cancel items before XXXX  hours. I contacted the company via phone and told them I will no longer need the furniture and they attempted to push the items on me XXXX times. I refused the items and never received and they wrongfully reported to synchrony bank that I took the items. Ive contacted synchrony bank, and they want me to still pay the money.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (WI)

I have had an altercation with someone I owe as a result of my money being absent at the time I needed to pay someone something. 
I have been assaulted as a result of the transaction ( s ) pending even though my account did not have enough funds to make the purchase. I got into altercations in which at I wasnt able to remove myself from the situation because I was pent down and having an XXXX XXXX paired with a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I could not remove myself from the situation because my life was being threatened by my body because of the unavailable cash. If I did not faint my chest would have arrested completely without sufficient airflow to my understanding and even then I didnt know if I would wake up or not after. These transactions were made not peer to peer, but was made with their cash card. I do not have a borrow allowance. Cashapp says these transactions were voided, but whether they were voided or canceled by the merchant or the card company after I, the cardholder, already pleaded to have removed and returned was denied. Whilst that was still happening my injuries incurred and are still incurring. Does the company Cashapp deny that at the time of this happening that I was injured and that is because of Cashapp posting cash for these transactions in which was never supposed to be posted in any fashion or reasoning? Cashapp has evaded this question to no avail to Local and Governmental Authorities. This whole ordeal has caused me a great toll of emotional distress and pain and suffering. I want a resolution of {>= $1,000,000} for the Cost of Preventing a Fatality.

{>= $1,000,000} for the Emergency Implemented Value of Cost of Averting a Fatality.

{>= $1,000,000} for the Value of My Statistical Life {>= $1,000,000} as for what is satisfactory to ( me ) about this situation NON-NEGOTIABLE due upon the acknowledgment that these transactions ever pended. Whether the transaction ( s ) were voided or canceled Cashapp can not deny that the injuries that I incurred occurred because of them and they have let this misery fester to extraordinary lengths. If Cashapp will not admit their blame then XXXX XXXX XXXX will have to corroborate their guilt.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (CA)

Received a voice mail at work over the weekend for a name I couldn't completely understand ( sounded like XXXX XXXX? ), but it was not recognizable as mine nor any of my coworkers. Said she was XXXX with " Comenity Bank '' and to please call XXXX ext XXXX. So I tried to on Monday but that phone number is now " not in service '' ( 2 days later ) so I tried the number that she called from : XXXX. That number IS Comenity Bank but none of the options are to talk to a person, so I entered the extension number and it took me to " payments '' and wanted me to enter my account # OR my social security number, of which I did neither. At no point can I tell this company to not call our office again as they are either 1. looking for someone not here or 2. phising for information like social security numbers .
Consumer complaint received 2021-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MN)

I have been receiving letters from this collecting agency. I did called this agency and told me that I owe XXXXXXXX XXXX XXXXXXXX XXXX {$510.00} for bringing my daughter to the emergency room in a hospital in Texas in XX/XX/2019. She did not repeat the name of the hospital and did not specify the city the hospital is located. I told her that I have not been in Texas during this dates and I dont have a daughter with this name and I have not been to any emergency room. She told me to write a letter of dispute about this matter. I think she is just collecting more information about me.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc. (NC)

This organization is in violation of XXXX5 USC 169XXXX XXXX XXXX 

Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. 

This organization is in violation of Furnishing certain deceptive forms. 

15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

The false representation or implication that documents are legal process.
Consumer complaint received 2021-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

When we first set up addition Principal payments with capital one auto they were told to apply my additional weekly payments and any other additional payments to principal. The total additional amount now exceeds {$2800.00}. My regular payments of {$290.00} were received by auto payments starting with the first payment On XXXX XXXX. Payment due date is on the XXXX of the month. The Capital one website is very deceiving when reviewing your payments. It appears at first glance your payments are received. However, it wasnt until I reviewed the balance more closely and realized the principal balance they reflected was higher than what I calculated. I made the first phone call in early XXXX and my last phone call XX/XX/XXXX, with no satisfaction. Capital One will only go back 3 months to adjust my principal. After 2 months of no resolutions and going to the office of the president, not only are they refusing to adjust my principal balance from the first additional payment on XX/XX/XXXX, they have NOT reflected any additional payments the past 2 months from my initial phone call in XXXX, I was informed future payments would be just an applied correctly. If capital one uses there excuses for additional payments to be applied to both principal and interest this is millions of dollars they are robbing from American people every year. They have robbed me of my financial goals of paying off my loan earlier and with less interest. As a retired loan officer Ive seen the negative impact Capital one has done to my clients, I vowed to myself NEVER to use Capital One, however, and unfortunately, the dealership I purchased our car through gave no option other than capital one. Capital one will state additional payments should be done through their online process and if received directly from the customer or a bill pay account other than capital one the additional payments would not be able to be applied towards principle. THIS IS NOT ACCEPTABLE! I ask for my additional payments be applied to principal balance and I was never told it would be a problem. Therefore, Capital One was negligent by not initially informing me. They truly make it impossible to add additional payments to your principal. I ask that you stop Capital One from taking advantage of additional principal payments especially when they receive the monthly payment, it SHOULD BE the consumers right to apply to principal, especially when it was directed. Please resolve this by getting my additional payments towards the principal. Thank you, XXXX
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (LA)

I noticed on my latest credit report, a new credit line was created for National Credit Systems dated for XXXX of 2019. I never received any information regarding this debt, no phone calls, no emails, no postal mail. Upon finding out about the debt through my credit report. I called National Credit Systems, they claim my debt is from an apartment I stayed at over two years ago that I left at the end of my lease with no issue. That apartment is now under new management. The new management is what shows up as the company that reported the debt but they claim not to. The new management has no records of me even staying there and said they can't help me with the investigation. They gave me the number to previous management but they will not answer my calls or emails and I believe they are no longer in business. National Credit Systems will not give me full detail of this debt, they lied and said they'd send it to me but it's now been 3 weeks and I still haven't received any email or postage. I sent a formal letter to them and they have received the letter but have not responded. I want this fraudulent debt eliminated from my credit report, if they can't provide me details of the debt I'm not liable. I have never missed a payment in my life, all my legitimate debts are kept current every month.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (VA)

I sent a bank deposit transfer, XX/XX/XXXX for {$2500.00} from my debt card using Remitly. The status is stating completed, but the recipient hasn't received the funds in their bank account. 
I contacted the XXXX XXXX  who has confirmed the money has not been transferred. I have a copy of the bank account statement that further indicates the money has not been transferred. 
Each time I contact Remitly customer service Im given different version of events, different resolution protocols, false promises of emails, calls etc. Additionally I keep getting an arrival time email when the funds have not arrived. 

Transfer No : XXXX XXXX XXXX XXXX Recipient XXXX XXXX XXXX XXXX  Recipient phone XXXX XXXX XXXX XXXX Bank XXXX XXXX  Recipient Account Number XXXX Sent- XX/XX/2021 Express Senders Name- XXXX XXXX XXXX XXXX Number XXXX Senders personal email XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Credit Card is reporting an alleged debt owed for card XXXX XXXXXXXX on my consumer reports. This debt is reflecting as charged off. Pursuant to Federal law, once a debt is charged off, the consumer is supposed to receive a 1099 in order to report that amount as income. It is also Federal law that income is illegal to report on a consumer report. Therefore, once Capital One decided to charge off the debt, it should have been removed from all consumer reports. In an initial complaint to Capital One, I addressed 2 credit card accounts at the same time for the same reasons. Capital One fully acknowledged one account ( XXXX XXXXXXXX ) stating that it was sold to a 3rd party debt collector. That account was also a charge off account. Capital One has since ceased reporting that account on my consumer report and deleted it but refuses to remove the 2nd credit card account which is also illegally reporting. My consumer report only reflects Capital One as the creditor and only furnisher of illegal data of this alleged debt and not XXXX XXXX whom they claim they sold the debt to. I have attached the letter from Capital One clearly stating that the account was sold to XXXX and that the account ending in XXXX XXXXXXXX was deleted from my credit files per the request of Capital One. Account XXXX XXXXXXXX is no different and should also reflect the same remedy. My credit is being tarnished and discriminated against due to this illegal and misleading reporting by Capital One. Capital One 's negligence is causing me undue hardship and adverse actions. I have not been able to get approved for credit to provide for my family.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( XXXX XXXX  I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXX XXXX XXXX Portfolio Recovery A I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Consumer complaint received 2023-02-01
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CT)

I have an Amazon store card. 
I made special promotional purchases, which I wanted to pay off in full. XX/XX/ I paid {$260.00} and told the bank to allocate that payment to pay off in full my promotional balances. 
Told the bank on numerous occasions and written on their website how I wanted the money allocated. Was told it would take two billing cycles, would be no problem. 
Was never paid off, talked to multiple supervisors multiple times and was told that it would be taken to care of on multiple occasions, all recorded. 
Keep getting billed $ 115 monthly for an {$800.00} balance, when on their website it states the payment should be around 2 % of the total owed. 
Told them multiple times I'm not paying {$110.00} to {$120.00} a month and that they lied to me on multiple occasions about paying my special promotional balances off. 
I refuse to pay them.
Consumer complaint received 2021-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has been ignoring my formal dispute letters for over 92 days now. I sent them all these letters via USPS certified mail green receipt return. I have implored them to investigate several inaccurate accounts which are negatively affecting my credit report and reputation. However, they continue to blatantly violate the Fair Credit Reporting Act ( FCRA ) by not responding to my past letters, not investigating, and not taking any actions in accordance with federal laws. Attached below is the most recent letter I sent them which they are in receipt of and have once again failed to act on in over 30 days as the FCRA outlines. At this point in time unless they delete these inaccurate accounts immediately, with the help of my local State Attorney general I will engage in litigation against them.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

I closed my corporate account with the Truist Bank branch located at XXXX XXXX XXXX, XXXX, FL on XX/XX/2022. The bank balance was {$0.00} and my online privileges were lost at that point. 
On XX/XX/2022 Truist reported that a transaction was made on my closed account for {$0.00} and again on XX/XX/2022 for {$52.00}. These fraudulent transactions were authorized by Truist Bank, XXXX weeks after I had already closed my account. 
The bank then proceeded to charge a further {$100.00} in fees and bill me for it. 
I reported these transactions as fraud to the bank branch and then again to their Fraud office. They rejected the fraud claims and have now sent the bill to a debt collector. 

Clearly, some staff member sold my account information to a crook who then executed these transactions on my account. 

I would advise customers to stay away from doing business with Truist Bank, as they are untrustworthy and engage in shady practices.