davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc (MD)

Collection bill from Syncom XX/XX/21 I have received a bill From SYBCOM a collection company, the bill is from another collection company XXXX XXXX XXXX, and was from another company XXXX XXXX XXXX. Original bill XXXX they are offering settlement of XXXX XXXX 's number is XXXX. They're Ref # is XXXX. 
I have called them 3 times and left my information. I also went on they're Web sight and left my information requesting an email or call back. I have been trying to contact them for 2 weeks. I have gotten no response from them. 
I don't know what the bill is for. I will pay if I owe the money. 
They are out of line not contacting me.
Consumer complaint received 2022-11-30
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. (OH)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-27
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. (MS)

On XX/XX/2022 Transunion is reporting a bankruptcy on my credit report and they put in the furnisher as being United States Bankruptcy Court XXXX XXXX XXXX Mississippi which is false. I have attached a letter from the United States Bankruptcy Court XXXX XXXX XXXX Mississippi dated on XX/XX/2022 verifying and stating that they do not furnish information to the credit bureaus or any credit monitoring services. Nor do they validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and have yet to remove this from my credit report.
Consumer complaint received 2021-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX and navyfederal, XXXX XXXX XXXX and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXX-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (IL)

XX/XX/22 the amount was {$770.00}. I went to get a money order at a currency exchange. And the computer froze mid transaction. Somehow the money is out of my account but they couldnt find or see the transaction on their end. They suggested I call my bank/prepaid card to credit it my money but they wont. They have me jumping thru hoops saying I need to send a email providing more information. Then they said not an email you must send a letter. They keep making up new stuff. As you can see From the pictures I sent. They havent credit me the money
Consumer complaint received 2022-07-05
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: CL Holdings LLC (TX)

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is JEFFERSON CAPITAL. I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why Jefferson Capital is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes JEFFERSON CAPITAL as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.
Consumer complaint received 2022-11-30
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. (UT)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify 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 be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (TX)

Debt collection agency, Receivables Performance Management , LLC ( RPM ) has been hitting my credit with a {$67.00} debt that XXXX XXXX XXXX has turned over. 

I have received no prior notice of this debt. The only reason I know about it is because my XXXX account started notifying me on XX/XX/XXXX. I have submitted a complaint with RPM on XX/XX/XXXX and yet to receive any confirmation the complaint was received, let alone the status. 

I have submitted prior bills from XXXX XXXX XXXX showing I owed nothing when I cancelled the XXXX service XXXX of XXXX. In fact, I have a statement from XXXX XXXX XXXX refunding me {$46.00} on XX/XX/XXXX with a payment date of XX/XX/XXXX. 

I have never received any bill from XXXX XXXX XXXX for {$67.00}, so I had no opportunity to dispute the charge before it was turned over to collections. As I've received nothing in writing from XXXX XXXX   XXXX or the debt collector on this {$67.00} charge, this is essentially an attempt to seal from me and use the credit bureau to extort it from me. There is no reference to a {$67.00} dollars owed in any of the statements received from XXXX XXXX  XXXX around the time of my cancellation.
Consumer complaint received 2023-04-08
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. (PA)

Based on, 15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may fumish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates mas nights as a federal protected consumer NO CONSENI IS IDENTITY. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MD)

On XX/XX/XXXX, I attempted to use my Apple Card to pay for a {$36.00} charge. I received an " over spend limit '' message and the card was declined. I checked my credit usage ; I had a balance of {$5200.00} with a {$10000.00} credit limit. I had already paid {$5000.00} on XX/XX/XXXX, which cleared my bank on XX/XX/XXXX. 

When I tried to reach Goldman Sachs, which handles Apple Card, I was put on hold. I tried using the chat function. I was on the chat function for nearly two hours. The third person who " assisted '' me texted that I can not use my card until XX/XX/XXXX when " the payment will be released. '' She said that she " attempted to release the payment '' but was " unable to release the payment on my end. '' They have {$5000.00} of my money but won't apply it to my account until XX/XX/XXXX. Until then I can't use my card. My daughter in college, who is a participant in this card, can not use the card. All scheduled transactions on this card, including medical bill payments, will be denied until XX/XX/XXXX. 

I have always paid my credit card bills on time. I have a credit rating of 800+.
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2020, I received an email from someone using the name XXXX XXXX offering me a work from home position as an Administrative Asst/Data Entry. 



She invited me to converse with her for the interview on XX/XX/2020 at XXXX CST on a Glip app which I downloaded on my PC. 

At the end of the 2 1/2 interview she said she would speak with HR Dept to see my results. She sent me a letter to say I was successful. 

On a letterhead saying it was XXXX, the HR dept then asked me to forward my Driver 's License ID and to fill out my W4 ( which incidentally included my SS # information ). 


She again pre interviewed me. Again saying she would speak with HR to get my results. The next day she came back on XXXX/XXXX XXXX XXXX to say I was successful and she was going to send me a check for my home equipment purchase. 

A cashier 's check in the amount of {$3900.00} was sent to my home address of which I was to deposit in my personal back account. The next morning Thursday, XX/XX/XXXX she directed me to pay {$2000.00} to a merchant ( well known supplier named XXXXl / XXXX XXXX - XXXX Tag ) on XXXX XXXX ; and {$1900.00} to a XXXX XXXX, Email : XXXX on XXXX. I did this. She said the {$50.00} remaining was a bonus to me for my time in interviewing. 



On Friday, XX/XX/2020 she directed me to pay a total of {$3200.00} in 2 parts through my XXXX account I have with Bank of America : One in the amount of {$1500.00} to a XXXX XXXX - {$1500.00}, Email : XXXX The other {$1700.00} to a Cartel, Email : XXXX through XXXX which I did. 

She said the purpose of this was to hasten the office equipment to me so I could begin training on Monday, XX/XX/2020. 

She ( XXXX XXXX ) said I would be reimbursed of the {$3200.00} on XX/XX/2020 with a check she would send from the Finance Dept of XXXX. She sent me an attached letter to the same on Friday evening, XX/XX/2020. 


I had looked the name up of XXXX XXXX and saw she worked for XXXX so I thought the whole process was credible. 


However on Saturday, XX/XX/2020 when I checked my bank account I saw that the cashier 's check of {$3900.00} drawn on XXXX XXXX bank was returned for insufficient funds. When I called my bank they said the check was fraudulent. 



At this point, I have been stolen a total of {$7100.00} - {$3900.00} ( fraudulent cashier 's check sent on XX/XX/2020 ) and {$3200.00} ( stolen from my bank account through XXXX transfer on XX/XX/2020 ) and I want to know how can I recover my money.
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (SC)

I recently accepted a % XXXX XXXX balance transfer offer on my card which posted XX/XX/XXXX, I was expecting to see an interest saving balance amount like I do on my other cards that have % XXXX XXXX promotions in order to properly pay what I needed to in order to avoid accumulating interests, but when I went to make a payment today, XX/XX/XXXX, this was not there, when I called to inquire I was told that with a balance transfer, if there are any other transactions on the card, the full statement balance amount would need to be paid in order to avoid interests. This fully defeats the purpose of the % XXXX XXXX offer. I was told there is no solution and that this was disclosed in the balance transfer offer. While I don't doubt that this is hidden somewhere in the fine text of agreement, this is vital information that should be provided to the consumer before finalizing the decision to complete the balance transfer, especially since I already had transactions on this statement while I was completing the offer, had I been informed prior I would have made a different decision regarding this promotion, other information like the length of the % XXXX XXXX term or the balance transfer fee were plain to see, but this was left inconspicuous in what feels like unfair and borderline fraudulent business practices. The customer service representative offered no help whatsoever and said that the only solution is to pay the balance. He said he filed a complaint, but even told me to my face that the complaint would amount to nothing and would only be " tracked '', he refused to provide anything in writing despite my request it be emailed to me and only provided me with a complaint number ( XXXX ), I can not find on the website where I can review the balance transfer agreement either.
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (MO)

I've had chime for XXXX now and I signed up for their credit builder card thinking it would boost my credit. It wasn't til I looked at my credit account that I saw that chime is now saying I OWE THEM almost 900 $ WHEN IVE NEVER BORROWED ANYTHING FROM THEM! Yet on my credit report it says I'm in the whole by XXXX XXXX I've called and canceled the credit builder account, but I told them I'm not paying something back that I NEVER borrowed. I'm always putting money INTO THE ACCOUNT. So how am I negative?
Consumer complaint received 2020-05-05
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)

Someone else 's credit information is reporting on my credit reports. I sent a copy of a police report and my ID to the credit reporting agencies in XX/XX/XXXX and they not only denied that my claim was legit but initially the issue was only on one report but now " the agency that made the mistake '' has uploaded this information on all 3 reports. The person whose information they are reporting lives in a completely different state and owns a home and several other accounts that are now reporting on my credit reports, and this is keeping me from purchasing " my own home. '' I have located the persons full social and date of birth which was a typo by the credit reporting agencies because their social is one digit off from mine and their date of birth is two days after mine. I want my credit reports fixed so that this persons information is removed from my reports. I submitted my dispute originally in XXXX of XXXX and as of XX/XX/XXXX the issue has still not been rectified.They even have a company listed on my report as my employer and I have never heard of or worked at this company because " it is not me ''.
Consumer complaint received 2021-07-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mountain Run Solutions, LLC (NC)

Mountain run solutions has called and texted me. I do not have an account with them nor have I had an account with XXXX in which whom they alleged they purchased the account from. Mountain run stated someone named XXXX XXXX signed the paperwork with his name. used his debt card do pay for their service but had the service in my name. That is the first red flag of a fraudulent account when XXXX or mountain run should have never activated service for him without showing a pictured ID.
Consumer complaint received 2020-05-05
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items XXXX XXXX {$580.00} US DEPT ED XXXX {$6000.00} DEPTEDXXXX   XXXX $ XXXX XXXX XXXX XXXX {$930.00} XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-05-06
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. (IN)

Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance.
Consumer complaint received 2022-05-23
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: CLGF Holdco 1, LLC (FL)

On XX/XX/XXXX th XXXX I went to XXXX XXXX to purchase a table. I was made aware of an interest free payment option multiple banks offer through XXXX  and the sales rep signed me up. I handed him my drivers license which has my previous address listed. I let him know that we just moved from XXXX XXXX to XXXX the previous month. I verbally gave him the correct mailing address in which he said he entered. I wasnt handed any paperwork but told that we would receive everything in the mail when the first payment was due. On XX/XX/XXXX th my wife noticed that there was a past due remark on my credit report she called using the information provided, let a Genesis manager know what happened, was credited back late fees and paid the balance in FULL. She was told that the negative remarks would be removed from our account. My wife called the number listed on the dispute notice with additional information supporting our dispute and was told on XX/XX/XXXX by XXXXXXXX XXXX XXXXXXXX that this letter has inaccurate information and we are not able to update additional information regarding this dispute. So Ive written this letter along with filed a complaint with the XXXX XXXX XXXX 

Here is additional PROOF that this attached : XXXXA copy of our official change of address submitted on XX/XX/XXXX with the US Postal Service -A copy of XXXX XXXX XXXX Appraiser Records showing we purchased our home at the corrected address on XX/XX/XXXX ( about a month BEFORE our purchase at XXXX XXXX ) - A receipt showing we filed a complaint with XXXX -A copy of my payment history with the credit bureau showing this is the ONLY late payment Ive had on my report in 15 years! 

We take our finances seriously. My wife was told today, XX/XX/XXXX by XXXX that she was contacted and that a woman picked up and said do not call this number again This did not happen and doesnt make sense since the very next month the same woman, my wife, called to pay the account in FULL. 
We are young adults that take our financial responsibilities serious. This negative remark dropped my excellent credit score XXXX points- this is unacceptable. This error was not our own and the remarks need to be removed. 

Any questions, call XXXX or XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-07-03
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: Experian Information Solutions Inc. (NY)

I explained to the Experian customer service person that I have been a victim of identity theft and my personal information has been used to attempt to get things in my name. I have not applied for anything & don't know the person who tried to fraud my name