davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Turning Point Solutions LLC (FL)

Capital Solutions continues to call and harrass me over a debt that is way past the statute of limitations. I have requested numerous times that they not call anymore, they refuse to stop calling. 

I am continually being told they are going to process my paperwork and serve me over a debt lawsuit.
Consumer complaint received 2022-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Receivable Recovery Services, LLC (GA)

Collection charged appeared on my credit from XXXX XXXX. I contacted the dentist office last year advising them that my child had to have the braces removed because he complained about the pain. The braces were removed. He has not have any services in over 18 months from this dentist office. I left with a XXXX balance. I never received any calls, emails or letters advising of a debt. A debt appears on my credit with no fair warning or communication. There was not a balance when we left this office. Please remove this fraudulent balance from my credit report. The amount is fraudulent. I do not owe anything
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

1. XXXX XXXX XXXX 2XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2022-08-25
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
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. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: GOLDMAN SACHS BANK USA (NJ)

About a month ago I filed a complaint about fraud for two credit cards, one with XXXX bank and the other with apple/goldman sachs and I could only put one company in to file the complaint with so I went with XXXX to get that one started. That one came back as a fraudulent account and got taken care of. Now im filing for a fraudulent account through goldman sachs. It has greatly decreased my credit score and I didnt see it until last time I checked my credit score which is the same day I filed the complaint with XXXX Bank
Consumer complaint received 2022-08-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Harley Davidson Financial Services Inc (CA)

I began questioning the financial company XXXX XXXX XXXX XXXX XXXX ) last XXXX. They said they would investigate and get back with me. They never did and I have had numerous medical issues and surgeries, so I wasn't able to keep on top of it. 

In XXXX, I requested a copy of the loan contract and received a contract with numbers that I didn't sign for. This included a loan amount that wasn't what we asked for and no sign of our down payments ; all these numbers were clearly stated on the credit app. Also, it was not signed and when I questioned this, they said that it didn't matter if it wasn't signed. 

Last week, I asked them to furnish my entire file and they responded that they weren't required to do this. The only things that they have given to me was the payment history, the loan contract ( 1st unsigned and than all of a sudden signed with transposed signatures from the credit app ) and a Bill of Sale ( that we never received from the dealership, with numbers that don't add up either ).
Consumer complaint received 2022-08-26
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. (NV)

In accordance with the Fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX All have Violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX XXXX XXXX Open balance {$900.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXX FL XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX {$750.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Utah XXXX XXXX XXXXXXXX XXXX XXXX- Open balance {$450.00} Date opened- XX/XX/XXXX XXXX XXXX XXXX, XXXX, Va XXXX XXXX XXXX XXXXXXXX XXXX- open balance {$330.00} Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Nevada XXXX XXXX
Consumer complaint received 2022-08-25
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. (TX)

The Credit bureaus stated my account was properly investigation but how is that possible if the open date inaccurate, the last active date is inaccurate, the account says open but others say closed. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i have rights to privacy. 

15 U.S.C 1681 section 604 it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Today XXXX @ XXXX I made my final pay, emt of {$240.00} to this trifling company Bank Of America on the card ending in XXXX after being told I couldn't pay using my debit card and when I went off on the lady telling her I wasn't giving my routing and acct information because I didn't trust BOA she did her job and said let me check your acct but only after I told her I had proof of them using my debit card before to make payments and she saw that I had and transferred me to someone that was able to take the payment using my dbit card. Theefore, my first complaint I did against BOA I resolved mnyself not the so called good for othing and useless lady XXXX XXXX XXXX ext XXXX that never returns calls she is useless and should be fired as the rest of the ppl I have spoken to at BOA that caused me to file the original complaint about not accepting my payment by debit card when it had been done and I had proof. The reason for this complaint is that i was refused proof by email that I made my final payment of {$240.00} to BOA as my lender asked me to do so. I'm so sick of trifling BOA with all the lies. I was first refused proof by the rep that took my final payment of {$240.00} on XX/XX/23 @ XXXX named XXXX XXXX and I then asked for a Manager and was transferred to a XXXX XXXX in escalations and asked him to email me the proof that I as well as my lender requested and was told he could not provide me proof. I'm glad to be done with this trifling business. All I asked for was a email proving I made my last payment and these idiots act as if I asked for a XXXX from them so childish and ignoarant. I don't trust BOA they are low down dirty dogs. I will neve trust this trifling business again after 30 years they screwed me over and are the ones in the wrong but not even a simple apology just excuses from these XXXX. XXXX
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX ' XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-08-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (FL)

I have tried to work with this company several times about reporting this account with the credit report agency XXXX and wrong information being reported about the account, that is hurting my credit report. 

I have requested the company verify the amount owed and take off the past due payments that are being reflected on my credit report and this account is charged off but it still shows 5 missed payments and a past due balance which is a violation of FCRA on a closed account. 

They have not sent me any documents to verify the amount they are reporting on this account.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I have been with CareCredit over 20 years and, never missed a payment. My mother ( user of the card too ) passed away last year and when I informed them to remove her as she passed away - just complete lack of empathy- I probably should have closed all my Synchrony accts after that but I didnt. 
So Im recent weeks I have become a victim of massive Identity Theft - yet my CareCredit acct wasnt affected at all - and before I could finish sending letters to the 3 bureaus to block specific information on my reports due to Identify Theft, CareCredit had closed my account without any notice. Similar to most of what Im hearing, calling to inquire or request re-open is waste of time as they are not entertaining the idea at all. 

I manage a XXXX facility where we offer and we recommend CareCredit all the time for our clients. Almost every client we have applies for CareCredit as we are able to give them first hand personal experience of it being so useful and go into detail about when and how often we actually use it. After the sudden closing of my account and my recent experience with CareCredit and Synchrony, our practice will no longer continue to offer or recommend CareCredit at all.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

From XX/XX/2021 to XX/XX/2021 I was defrauded and scammed and led to send XXXX and wire transfer payments of around {$40000.00} to XXXX. I made formal complaints to Bank of America to dispute and rescind those funds. Bank of America wanted official phone records from my phone company XXXX but they informed me they are not able to do so. I made another complaint to reopen the account yesterday and today I was notified that my checking account at Bank of America is being closed due to " business decision. '' Instead of helping me claim the defrauded amount they have chosen to close the account instead. I have mortgage due in XXXX days XX/XX/XXXX and they have locked my money until official account closure in XX/XX/XXXX. I can not access the funds at all for anything. To pay for food, mortgage or anything. Under the Electronic Fund Transfer Act banks should be able to help victims of scammed XXXX bank customers. Please help me.
Consumer complaint received 2022-08-25
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

I am the Executor of the Estate. The Estate had a reverse mortgage with Lender/Servicer XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. In XX/XX/XXXX XXXXXXXX XXXX XXXX DBA XXXX XXXX requested the courts for a petition substitution from them to Mortgage Asset Management in which was granted. 

The Estate didn't receive a Notice of Transfer of Ownership that's required by federal law. ( 15 U.S. Code 1641 ) requires the new owner to send this notice within 30 days of the mortgage sale. 

We also didn't receive notification from mortgage servicer XXXXXXXX XXXX the change of hands, to new servicing transfer within15 days before the date the new servicer takes over. The new servicer PHH Mortgage Service didn't provide the Estate with a notice within 15 days after they take over the account. 

Representatives ( XXXX XX/XX/XXXX and XXXX XX/XX/XXXX ) from PHH Mortgage stated, " they weren't given any Probate or Executor information. '' Which is untrue all my information is on court documentation/proceeding request. 

They are clearly violating our rights under the Real Estate Settlement Procedures Act ( RESPA ), the Truth in Lending Act, and federal laws on banks by not providing documentation showing their legal rights of ownership to collect the debt or what is owed by law.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (FL)

While checking my credit I noticed that there were several fraudulent accounts on my credit report i did not apply for any of these inquiries, so i filed a police report for identity theft and police told me to report these account to the credit reporting bureaus. And the credit bureaus did not help me. Here are all of the inquiries that are on my account that i didnt apply for. 
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 i have attached the identity theft report
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (OH)

I am a small business owner and went on a vendor/wholesalers website to purchase items. I was told we could get credit with Acima and make payments on items we purchased to SELL in our stores. I made 2 purchases and one was {$870.00} and the other was {$470.00}. So Acima stated this is rental property and would have to pay {$1700.00} for the first and {$950.00} for the second. I reported a loss of income due to being sick and I missed the early purchase date. Then I was told I could not sell the merchandise until I made all the payments. I asked how am I to make money if I could not sell the items I purchased in my store and why was I being charged so much. I contacted the original owner and she stated that is why she stopped using Acima because of their deceptive practices against her customers. Acima told me I could return the merchandise but I will lose all the money I have paid so far which is almost {$2000.00}. The merchandise will be out style and out of season by the time i ma done paying off the lease. I think this is predatory lending practices due to the price and then they keep changing my payment amounts and how the take the XXXX from my account then lie and say they havent changed it but they have. The products I have, have already depreciated in value because they have been sitting there so I am paying on products that i will not be able to sell and i will be out of over {$3000.00} in the end. The products arent event worth {$3000.00}. I think Acima lending practices are a totally rip off and I want my money back or my lease end at hos much the product is worth when I acquired them.
Consumer complaint received 2022-08-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXXXXXX XXXX has been reporting discharged debt to all XXXX credit bureaus since they purchased the debt asset account. I have made several attempts to get this discharged debt removed from the credit bureau reporting to no avail. This derogatory reporting has harmed me and my business affairs.
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (NY)

Equifax responded and totally ignored Athe FCRA laws put in place. The response give was long winded meant to discourage me in getting the inaccuracies removed
Consumer complaint received 2022-08-26
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)

XXXX XXXX XXXX  reporting on my experian credit file I have no known knowledge of this account. I have disputed this account and requested signed credit application with my signature on it, proof of ownership, and they have failed to provide any information to me
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-08-25
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

In XXXX, I order merchandise that was sent to the wrong address. I filled a dispute with Kohls in XXXX informing them that items was sent to the wrong mailing address. Per Kohl a dispute was entered and refund would be posted to my account with in 7 days of dispute. On XX/XX/XXXX I followed up with dispute and was informed no ticket was open in regards for this matter. Then on XX/XX/XXXX i was also reinformed that a dispute would be entered and an incident reports was completed to reflect incident and i was again informed that a refund would be reflected on my account for items that was never received. The refund was never issues and I contacted KOHLs again on XX/XX/XXXX, after being contact by KOHLS to collect funding for these charges, in regards to this matter and was then informed a letter was going to be sent to my mailing address to reflect the conversation and that a credit would be posted onto my account. A credit was never refunded and the account continued to accrue charges and late fees until the account was closed off and listed as a charge off on my credit report. I have reached out to them once again to resolve this matter and was informed that the credit was going to be applied to my account and that the late fees and charge off would be removed.