davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed {$310.00} XXXX XXXX  XXXX Balance Owed : {$4000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$380.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$850.00} XXXX XXXX XXXX  Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$1100.00} ;
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (OR)

All credit card Presentments are in the Positive, if I owe a debt, should it not be negative?

Am I paying for a debt that isn't mine?

Are securities frauds occuring in these security transactions?

Am I not the beneficiary to a trust account?

This request Pursuant to Section 5 552 of Freedom of information act, and the privacy act, for a full disclosure and release of all records and/or data contained in the files of your department and/or agency under y name and/or identifier to my name. 

This request is to verify the following laws, and have use of my credit line to protect me from the serious harms and frauds being perpetrated against me, the living being, flesh and blood. 

Public Law 1, 48 stat. 1, refers to H.R. 1491 to which the U.S. Govt. and the State are the Trustees of the Trust created under this Public Law 1 which placed all property of the People into the U.S. Govt and State, and that these posessions are a " Trust '' to be used as a credit line.

Public Law 10, Chapter 48, 48 stat 112. Refers to H.J.R. 192 which removed all the lawful gold and silver from the State to pay its employees, and for the People the means to receive pay for sweat equity and pay debt. In 1933- President Roosevelt passed HJR 192 June 5, 1933- and since the government had taken the gold, and the People had no money, the government would pay the debts for the People, thereby giving them unlimited credit. Whoever has the gold pays the bills. This legislation states that one can not demand from you a certain form of currency, since any form, and all forms of currency are your credit. If they do, they are in breach of Public Policy, PL 73-10. Not only does this insurance policy ( law ) protect the legislators from conviction for fraud and treason, but also it protects the People from damages caused by the Federal & State governments.
Consumer complaint received 2024-02-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (NC)

Very rude company who dont have the right to collect or report medical information on my behalf has broken so many laws hipa is XXXX of them. Ive never seen or saw a collection bill or notice from this company. I never signed any contract with this company. This is against cfpb law. I would like this acct removed. I would like to see a contract with my signature on it.
Consumer complaint received 2023-11-10
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-10
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (TN)

Western union netspend supposed to release my money bank in my account Monday XXXX I file a dispute with them and when I try to login my account they put a lock or frozen on my account to keep me from accessing they ask me to scan my drivers license I did they told me they couldnt verify that so I talk to the rep on the phone was confused and making up lies about my account so they send me an email to upload my drivers license and other personal information like bank statements SSN AND phone bills and soon they saw the XXXX XXXX XXXX XXXX on my drivers license they immediately started acting different towards me on handling my account and being rude and I told them yall the fraud the company accepted my information and still denied if service for me and closed my account doing the process on fixing my account and started a dispute with them on adding my money back in my account
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NY)

I just received an email from Chime welcoming me and letting me know that my debit card should be arriving soon in the mail. I have tried to contact them but I have not received any response. At this point I am waiting for the card to arrive so I can call with that information and make use they close it. Less than a month ago this happened to my husband and whole researching online it seems thus is happening quite often with chime. They really should analyze their account opening process.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

After speaking with EQUIFAX regarding an extended credit lock verification placed on my credit profile which prevented XXXX XXXX  from processing a card conversion and costing me {$95.00} dollars in annual fees, I was informed that for them to remove such lock/alert on my profile I would need to submit documentation for them to review and process. 

I was given their XXXX, Georgia XXXX XXXX XXXX and was told it would take 5-7 business days after receiving a copy of my driver 's licence and social security card for them to complete my verification. Such letter and documentation was sent to them on XX/XX/XXXX through the USPS. On XX/XX/XXXX I tried to get my credit card issue sorted out with XXXXXXXX XXXX, and I was told that they could still not access my credit profile. I was then transferred to speak with an agent at Equifax. 

I asked if they had received my documentation, and after a few brief moments I was told that they did not get anything and that I would need to send it again. On this same date, I re-printed my previous documents and the letter was picked up by USPS on XX/XX/XXXX. It's since been 9 full business days and I called EQUIFAX again regarding my documentation, only to be told once more by their agent and then a supervisor that they did not receive anything and I would need to send everything again for a 3rd time.

I pleaded with them for alternative methods of processes such as a secure fax or online portal where I could upload my documents, and EQUIFAX seems to be stuck in the XXXX, and I truly question their business practices that seem to be run by the most incompetent people in this modern age. Everytime I sent my personal information and social security copies through the mail, I am being exposed to even more changes of becoming a victim of identity theft, something EQUIFAX clearly does not care about, given all their data breaches.
Consumer complaint received 2018-11-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

I applied with each of the credit bureaus to put a credit freeze/consumer protection freeze on each of my XXXX ( XXXX ) minor children 's social security numbers. My children are ages XXXX, XXXX and XXXX. 

I received from XXXX a confirmation that my XXXX year-old had a credit freeze placed and they provided me with a PIN number that I would need to unfreeze her credit file. 

I received from XXXX  a brief letter for the XXXX year old and the XXXX year old that a credit freeze had been placed on their files and that a PIN number would be sent in a separate mailing. I never received this mailing. 

When I called XXXX to investigate, they told me the following : 1. They do not issue PIN numbers for credit freeze for a minor ( even though I have letters to the contrary dated within the past week ) 2. The only file they have is for the XXXX year old and on her file is the information provided for the XXXX year old and the XXXX year old ( that is, all XXXX children 's documents were uploaded to one account ) 3. There are no files created for the XXXX year old and the XXXX year old ( despite the letters I received to the contrary ) My fears are that : 1. Private information for the XXXX year old and XXXX year old are on another person 's account 2. There are now issues freezing or unfreezing credit for the XXXX year old and the XXXX year old. 

I started this process after the credit breach this year to protect my children and now I feel like I've created a mess. 

I have also been unable to communicate with Experian - There is no way to speak to a human on the phone. There is no office to visit. There is no email with which to communicate with them. I received one letter from Experian with confirmation of a freeze and PIN number for the XXXX year old but not the XXXX year old or XXXX year old so I have no idea what happened to the younger children 's information.
Consumer complaint received 2023-11-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

There was a technical error in the property manager 's rent collection software. It debited the wrong amount from our account, resulting in a late fee of {$470.00}. This was part of an outstanding balance of {$750.00}. On move-out day, I spoke in person with employees of XXXX about the error, and they informed me that they would correct this error. I informed them I would pay the outstanding balance when they made the correction. Move out date was on XX/XX/XXXX. 

They did not make the correction. They instead called me twice on my cell phone over the next few months trying to collect. Both times, I informed them of what happend, and both times they agreed to call me back when the issue was corrected. They did not correct it. 

On XX/XX/XXXX, I received a letter in the mail from XXXX demanding payment again. I contacted XXXX as requested by their email with the following email : Hello XXXX team, Today I received a letter in the mail stating that we have an outstanding balance of {$750.00}. On our last day in the building we had a conversation with the leasing office about the late payment. The late charge was a result of an error in XXXX. On XX/XX/XXXX I pre-paid what XXXX  said was due. Unfortunately, for the month of XXXX the rent was at a higher rate ( as per our agreement ). However, XXXX  on the day before had not yet updated the change. When I spoke with the leasing office they were understanding and told us that they would remove the outstanding late fee and then email us once it was corrected. However, it seems as though they must have forgotten to do so. I promised to pay the outstanding balance once this was corrected. With the late fee removed and the additional {$15.00} dollar late fee the balance should be {$280.00}. We are happy to pay this once the late fee is removed. 

Best, XXXX and XXXX They acknowledged receipt with the following : Hello XXXX and XXXX, Thank you for your response. However, we are unable to locate an account in our office here at the XXXX Receivables Department. Please inform us of your unit number, the name of the community you had moved out of, the moveout date, and/or your statement account number, if available. With this information I will be able to research your move out account. 

Thank you, XXXX XXXX Support Specialist, Receivables Department Greystar | XXXX XXXX XXXXXXXX | XXXX XXXX WA XXXX o XXXX | XXXX | XXXX To which I replied : Hey, we just moved out of XXXX  XXXX in XX/XX/XXXX On XX/XX/XXXX I received another attempt to collect the same debt. Unfortunately I don't replly until XX/XX/XXXXXXXX  since I didn't notice the message until later. When I replied that I would like to speak to a representitive about the debt to dispute it, I didn't get a reply. 

Afterwards I received calls from Genesis credit attempting to collect the debt. I disputed the debt, forwarding them the email correspondence. However, they just denied the dispute without explanation.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Upon the information provided from the dispute, Pen Federal Credit Union is in violation of report inaccuracies on my credit files. The documents they sent to me had a wrong social security number and address. How is this company reporting anything to my credit files with wrong information? The contact they sent, they blocked out the social security number, so how is that proof its my account?? On the original contract the social security number is wrong thats why they blanked out the information on the contract. This is illegal and this is not the right way to conduct an investigation. This company also sent me a check that does not have my information on it nor is it my account! The check did not have my signature on it. The contract they sent me also had a forged signature on the contract. The signature does not match mines someone signed that contract without my consent. Per the FRCA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Per the FRCA 1022.82 ( d ) ( 2 ). You have reported an address to my credit files that has not been verified.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (RI)

I financed equipment thru XXXX XXXX ( now XXXX ) and before my equipment was shipped and before my first payment was due I canceled my order. XXXX sent me confirmation that the account was closed and that I was a finance customer so no further action was needed. 
However, the finance company they use has been contacting me repeatedly attempting to collect payments. I have repeatedly informed them that I canceled the order and do not have the equipment. I have sent multiple emails to both companies and at one point even called XXXX on 3 way and listened as account & invoice numbers were given. XXXX claims to have received no correspondence from XXXX, XXXX says they've made attempts to contact XXXX. XXXX calls me all the time now and every time the person calling has no knowledge of any of the history, claims there's no notes on the account. Sometimes they'll let me speak to a supervisor but they usually will not. One supervisor assured me they would push back my payment due date to XX/XX/XXXX to give the appropriate parties time to sort this out and it would not affect my credit. It was never done.
Consumer complaint received 2023-11-10
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

I have filed multiple complaints with customer service, including one through CFPB, but received the same response each time. It seems to be my word against Synchrony Home Company. I missed a promotional period for 0 % interest because I never received any E-statements via email, despite their insistence that they were sent. Even though I'm enrolled to receive electronic statements, I haven't received a single one, and I can't view them on the web portal. I provided print screenshots as evidence, but they disregarded it. I also didn't receive a statement in the mail because, as expected, I'm enrolled for e-statements. After missing the promotional deadline, I requested copies by mail, and they sent them. However, my claim was denied, stating they investigated and found statements were sent to my email. I checked all folders, but nothing. Three months later, the issue persistsI can't see my statements on the portal, and I'm not receiving them. Recently, customer service acknowledged the problem, admitting they didn't send the e-statement or sent it late. It appears the company deliberately avoids sending statements, leading to additional payments due to their mistakes. I caution others to stay away from this company, as it seems they may intentionally withhold statements to prevent customers from tracking payments, resulting in higher interest and fees.
Consumer complaint received 2023-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (GA)

In accordance with the fair credit Reporting 62 act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph instructions.

15 U.S. Code 1681a - Definitions ; rules of alre construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Affirm Holdings, Inc (SC)

XXXX is a company on XXXX that sells replica bags. I purchased from them buy four bags and get one free. When the order arrived their were only four bags and two of them were damaged. I immediately called XXXX and they said to start a dispute and to send proof and contact merchant. I sent proof of what I was supposed to get and that I can not contact them. They told me I still have to pay and I told them I will not because I didn't get what I was supposed to. Additionally XXXX is now banning this company because of this. I have a recorded conversation I can email to you as well from with the XXXX representative.