davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I have a debt collection report the original creditor is XXXX cable. They are alleging it is for an early termination fee on a closed account however I signed up online for a NON CONTRACT plan using my debit card on their website. The equipment was mailed to my door no paperwork was ever signed. I did not electronically sign any contracts on their website when I signed up either. I reported the same exact dispute to all 3 credit bureaus and XXXX deleted the item off of my credit report because there is no record of any contract however Experian refuses to delete the item from their report despite the lack of evidence for their decision.
Consumer complaint received 2024-10-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Financial Services (FL)

This request follows multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXX XXXX XXXX, specifically by their representative, XXXX. 
Account : XXXX OF XXXX XXXX XXXX XXXX {$2600.00} To provide some background, I initially filed a complaint with the CFPB against this collection agency, which has had my account since XXXX. During the investigation, XXXX XXXX XXXX falsely claimed to have interviewed me under pretenses of impersonating the loan financing company, which was not disclosed to me. They violated my HIPAA rights by collecting my personal demographic information and details about my living arrangements. Additionally, they made unsupported claims about servicing a vehicle, for which they have never provided proof, as this service never occurred. They even falsely stated that I purchased a different vehicle, which I never informed them of. Misrepresentation : In violation of 15 U.S.C. 1692e, XXXX falsely represented himself as the original lender or another unauthorized entity. This is a clear attempt to deceive me into making payments under false pretenses, which is illegal under federal law. 

On XX/XX/XXXX XXXX contacted me regarding this account and engaged in conduct that directly violates the FDCPA. Specifically : Verbal Threats : Additionally, XXXX threatened me during our conversation, stating, " What are you trying to do, clear your credit or something '' and went as far as threatening me by stating that he has my address and personal information and will make me pay. which constitutes a violation of 15 U.S.C. 1692d. This law strictly prohibits debt collectors from using any form of harassment, intimidation, or threats of violence when attempting to collect a debt. His behavior left me feeling fearful for my safety and well-being, and such tactics are not only unprofessional but unlawful. 

These actions are in direct violation of the FDCPA, and as such, I am formally demanding that the following actions be taken immediately : According to XXXX XXXX XXXX XXXX, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates the laws : 15USC 1681i, 15 USC 1681s-2.15 USC 1681i ( 5 ), 15 USC 1681 e ( b ). Delete this a
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CO)

On XX/XX/year> I went into a XXXX to purchase a money order for {$2700.00}. {$1000.00} was paid in cash and {$1700.00} was purchased in my Chime debit card to pay rent. The money order machine was not working and the employee voided the transaction. The XXXX employee assured me that the transaction would not go past pending on my debit card since it was voided shortly after and refunded the cash immediately. On XX/XX/year> the transaction posted. I disputed the transaction with Chime the same day XX/XX/year> and provided the voided receipt as evidence. The claim was denied. I asked for documentation as to why it was denied which was promised but never sent. The only documentation they provided ( sent on XX/XX/XXXX ) didnt make sense as to why it was proof ( its included as an attachment to this complaint ). They said I could file a rebuttal with more proof. I filed the dispute again on XX/XX/XXXX and this time went back to the XXXX store where I attempted to purchase the money order and asked if they could reprint my receipt and if a manager could write a letter verifying that the transaction was indeed voided. The manager checked security footage, transaction records, then talked to the employee who helped me. After this research he agreed to write me a letter to help my dispute because it was clear I should have received a refund. This letter included his name and the phone number of the store if follow up was needed. ( All evidence I provided has also been uploaded ) the claim was again denied on XX/XX/XXXX. I contacted Chime and asked why it was again denied. They stated that the dispute was filed under the wrong category and would be filed under transaction not refunded. On XX/XX/XXXX an email was sent requesting to answer questions about the transaction. Which I responded to in a typed letter and uploaded via a link. On XX/XX/XXXX the request was denied again.
Consumer complaint received 2023-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (IL)

On XX/XX/XXXX, I was the victim of a scam involving ticket resale via XXXX. When I noticed something was wrong and attempted to get the money back, the individual disappeared and blocked me. Upon attempting to track down the individual, it appeared this person had stolen another persons identity, along with other individuals, to con people attempting to buy XXXX XXXX tickets. I immediately contacted my bank ( PNC ) to attempt to stop the transaction and they said they couldnt stop the transaction even though it had not posted. They told me I had to wait for the transaction to post to take action. As soon as the transaction posted ( XX/XX/XXXX ), I reached out to PNC Bank to report the scam and ask for the charge to be rejected, and in less than XXXX hours, according to my denial letter, they said the transfer was valid and processed as instructed. 

I received no concert tickets for the money I paid. The individual promised a refund if I changed my mind and when I attempted to get my money back they disappeared. PNC Bank offered absolutely XXXX protection under Regulation E and clearly made no effort to investigate the claim. PNC Bank put me in a position where despite actively attempting to stop a debit charge prior to the payment posting ; I was forced to lose the money with no remedy. 

XXXX payments are instant only if the person receiving the money is actively enrolled, and it took almost XXXX hours for the funds to post, so the individual did not have an active account when the money was initially sent. Pending payments can be cancelled by the bank in which the money is being sent from. PNC Bank chose NOT to cancel the payment, which resulted in the loss of {$600.00} and a violation of my rights as a consumer.
Consumer complaint received 2023-06-10
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: SANTANDER HOLDINGS USA, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : RE : request investigation of an authorized inquiry To whom it may concern, I checked my personal credit report which I acquired from your organization on ( ) and noticed that this an authorized inquiry had been made. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please remove or I will contact the FCRA. Furthermore, I am allowed under the ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third-party. 
I understand that the ( HIPPA ) does allow for limited information about me, but any details may only be reveal with the permission of the participant. Therefore, my request is twofold and as followed : Validation of debt, and HIPPA Authorization. Please provide a breakdown of fees, including any, and all collection cost and medical charges. Please provide a copy of my signature with the provider of service to release my information to you. Immediately cease any credit bureau, reporting until death has been validated by me. I am unaware of this collection. Please validate or remove this account. 
Therefore, I must request your help in resolving this matter. In accordance with the fair credit reporting act, I request you immediately initiate an investigation into this inquiry, on my credit report to determine who authorized the inquiry. If once your investigation is complete, you find my allegations to be true please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the listed address above. 
If you find my last inquiry above to be valid, I request that you send me a full description of the procedure used in your investigation within 15 days of the completion of your investigation. 
Thank you for your assistance. 

Sincerely, 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
Consumer complaint received 2023-06-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-10
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. (GA)

Check Documents for Documentation This account should not be furnished on my consumer report as they are in VIOLATION of my RIGHTS!!!!! 

Under, 15 U.S Code 1681b - ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Under, 15 U.S Code 1681b 1681b-A ( 2 ) ( i ) the reasons for the determination under subparagraph A and ( ii ) CONSIDERATION OF CONSUMER INFORMATION ( 4 )
Consumer complaint received 2023-06-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section a credit issuer can not furnish an account without my written directions under 15 USCS 1666b a creditor may not treat a payment on a credit under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank pulled a report from my XXXX credit report. They determined with that information to close my Lowes Credit Card. I explained to them it was not correct when they finally explained to me why my account was closed. They stated to few accounts paid as agreed, The length of the loan not enough paid for the timeline ( It was my mortgage ) I have paid the amount we are supposed to for over 4 years. On all my accounts I have paid as agreed and pay more the minimum every time I can. I always at least pay the minimum payments though. There are XXXX situations where I was not able to pay right away on XXXX of my accounts. XXXX of the accounts was 30 days late. The other account was 60 days. Only closed accounts were Lowes credit account and XXXX due to gear return issue but the balance is XXXX and stays on my report. I turned in everything they requested and was already out of the military at that time as well. They then told me I had to turn in gear that I supposed to still have but didnt it was turned in. I have called Synchrony Bank and XXXX to try and resolve the issue. They both tell me there is nothing they can do. I have XXXX and have served my country honorably and I feel they are closing accounts that should be still open. I got a letter when I disputed the account being closed. It arrived from Synchrony bank telling me their decision still stands. Even after I told them the information they used is incorrect I pay all my account as agreed and on time. The guy I also spoke with just kept asking me what do you want me to do over and over. He said transunion fixes the incorrect information. XXXX XXXX from XXXX told me they do not fix anything that they can only do credit report in the mail to me. XXXX from XXXX hung up the phone on me. XXXX was very rude as well she kept interrupting me not letting me fully explain what happened and why I was calling XXXX. Synchrony Bank told me I had to call them to dispute the information. I did dispute it and that is when the letter arrived. They closed my account out of the blue then told me to few accounts paid as agreed and not enough paid on the length of the loan which was our mortgage loan for our house. Them closing my account my credit score dropped over XXXX points and negatively affected my credit when I did nothing wrong. They refuse to help any further and I feel they are discriminating based on false information. Synchrony Bank told me they use that information to determine credit worthiness and to see if customers will pay their bills. I explained to him that I do pay on time and the amounts agreed. He stated how do I know that. When clearly that was a lie because they can see I paid mine on time and amounts agreed.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY (AZ)

I've had several bank accounts open in my in Florida with TDBAnk and it has led to me being unable to any other accounts. I had my address changed illegally, and I owe over XXXX plus with these accounts. I have copies of those I can mail to you as I do not trust the system of uploading as that has presented a challenge as well. I am quite exhausted from trying to regain my name but it must be done. 
The following are the account numbers that I have received this information for. Please advise how to proceed.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX I HAVE ADVICE THEM THAT THE INFORMATION LISTED ON MY BACKGROUND IS FRAUDULENT AND NEED TO BE REMOVED AND DELTED FROM RECORDS I PROVIDE MY IDENTIFICATION, SSN COURT HAVE MY INFORMATION BUT MY SSN IS NOT PROVIDED THEY WILL NOT REMOVE FROM RECORD ASKING DUE TO RIGHT OF PRIVACY BY LAW THIS NEED TO BE REMOVE AND DELETED 15 U.S.C 1681 section 604 report number # XXXX
Consumer complaint received 2023-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-07-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AR)

I had transferred funds via Western Union to XXXX - tracking number XXXX. The funds were never credited to the beneficiary account. Western Union has been claiming that the funds were transferred. I have provided them with documentation from the recipient bank evidencing that the funds were not credited. Have raised XXXX tickets with Western Union but never got response - Ticket numbers XXXX and XXXX. The value of the transfer was {$3000.00} and transaction date is XX/XX/2021. I have been constantly chasing Western Union team but have not received any response. The beneficiary bank also requested for XXXX XXXX to investigate the transfer but this was also not provided by Western Union.
Consumer complaint received 2023-07-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Today I spoke to a representative regarding my loan. The call hung up and I received an email stating my email addresse has been updated. I never consented to this change and believe this would have done great impact with me not receiving an email XXXX XXXX from them
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

IC Systems has reported on my credit multiple times a month, this debit was taken off in XXXX for identity theft and now IC Systems has re-aged this debit on my account. I have sent them letters to verify the debit as well and have not received anything back. I have also contacted XXXX and talked with them about the issue and that it was taken off in XXXX They were able to see this and also added a fraud alert on my account. They continue to call me and try to collect this debt.
Consumer complaint received 2023-07-29
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RGL Associates, Inc. (GA)

XXXX XXXX in XXXX, GA have been repeatedly calling me, 4-5x daily every day and ( XX/XX/23 ) today they have contacted my employer. I have received plenty of notices about the medical debt I owe and need to review my financial situation before I can make any payment arrangements. They are not my only collector. I am aware of this debt and calling my employer is unacceptable and my employer forbids these kinds of communications. It is grounds for termination.
Consumer complaint received 2023-06-10
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RE : Requesting a Method of Validation Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

Collection Agency : XXXX XXXX XXXX ( XXXX ) Account Number ( XXXX ) : A : ) XXXX B : ) XXXX I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

Please provide the following : 1. Validation of the debt -- that is, the actual accounting.

2. Verification of a signed Invoice.

3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, XXXX XXXX XXXX