davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (DC)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2021-08-27
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: SYNCHRONY FINANCIAL (AZ)

On approximately XXXX, i bought a XXXX  XXXX console from XXXX-XXXX, using Paypal credit , synchrony bank. Vendor is a scammer, he shipped an item to my neighbor. It was not addressed to me and was not sent to my address. Vendor claimed item was shipped to ME, printed my name and address on an invoice and submitted that forged invoice as well as Real shipping tracking number from united states postal service. Excellent news for me, as this was the proof used by him to, paypal. I used that shipping number, went to usps, got the print out, faxed that usps tracking report to paypal as my evidence that no item was shipped to my address. 
Here is where synchrony bank is perpetuating the scam, and providing the scammer with easy victims. They accept his usps tracking number as evidence for the vendor, to claim a charge against the consumer, but that same exact evidence can not be used by the consumer ( because they will not or do not as a corporation, verify tracking ). How is it legal to claim an item was shipped to the consumer, yet the evidence proves it was not, BUT its not their responsibility to verify the validity of a tracking number, although they have no issues with it as proof of a shipment? They insist i return the item shipped, again not to my address, my neighbors. The item shipped has been turned over to the usps inspector in XXXX, arizona. Not that it matters that the fraudulent item is now in the hands of the us govt ( USPS ), paypal thinks i need to pay for an item NOT shipped to me, and their own merchant provided the usps tracking number. Paypal credit synchrony bank, tracking XXXX. Vendor was reported to ftc and XXXX XXXX, and has since changed his website name, and opened a new LLC for it. Dispute amount is XXXX. Many interest charges as well as accounting errors have fluctuated the amount. Consumer name under paypal credit account is XXXX XXXX. Scammer is XXXX XXXX. XXXX using unfair trade practices to include the perpetuation of the fraud, is synchrony bank, paypal. They do NOT verify shipping tracking numbers used to defraud customers.
Consumer complaint received 2023-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (LA)

I was automatically switched from the REPAYE program to the SAVE program. 
The payment was calculated incorrectly according to the information prior to the covid pause, which is allowed by the federal government until my recertification date of XX/XX/2024. 
They did not take into account my family of 4, my payment is calculated based on me being single, nor did they take into account my spouse 's student loans. 
This has led to my payments being almost {$400.00} higher than they should be.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Transunion downgraded my credit score from XXXX ( excellent ) to XXXX ( fair ) for no reason. When I looked up " What changed? '' on the report, there were 3 changes to my credit card utilization. However, the sum total of these changes was that I had reduced my net credit card debt by {$1000.00} during that period. There were no negative comments on the report at all. In fact, all the criteria for maintaining good credit ( such as credit card utilization, meeting payment requirements, etc. ) were in my favor. 
I am deeply concerned that there has been a transaction that does not appear on the report where I have been defrauded, but I can not get the company to respond.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX account # 's XXXX, XXXX, and XXXX were all included in my chapter XXXX bankruptcy and have been paid. However they keep updating monthly and it is damaging my credit.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXXXXXX XXXX XXXX XXXX XXXX Delete this account. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXX XXXX XXXX XXXX XXXX  Delete this account. 
15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX Delete this account. 
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX  Delete this account. 
15 U.S. CODE 1692E - PROHIBITING FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS IN DEBT COLLECTION. 
XXXXXXXX XXXX XXXX XXXX  Delete this account.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

On XX/XX/2018, upon checking my bank account online I noticed I had three ( 3 ) overdraft fees of {$29.00} from XXXX. 
I called the XXXX XXXX number to ask why did put the checks through, now, three times. In the past, XXXX has notified XXXX will only put a check through two times and then send written communication to the consumer for payment and/or legal action. 
I was informed by a XXXX rep. when I called on XX/XX/2018, that they no longer collect return checks in-house and that the company Certegy now handles all of their return checks. 
I called Certegy and found out they were the ones who debited my checking account WITHOUT ANY WRITTEN NOTIFICTION/COMMUNIATION to me as the consumer at all. 

I could not provide a control number for the Certegy rep. on XX/XX/2018, as I NEVER received any written communication notifying Certegy was now handling the debt collection for XXXX. 

I was NEVER GIVEN the chance to pay my debt or set up arrangements to pay my debt. 

*CERTEGY DEBITED MY CHECKING ACCOUNT WITHOUT ANY WRITTEN NOTIFICATION AND/OR CALL AND WITH MY PERMISSION. 

Yes, I owe a DEBT, BUT THAT DOES NOT GIVE ANY COLLECTION AGENCY RIGHT TO DEBIT MY ACCOUNT WITHOUT PERMISSION, UPON TAKING OVER FOR ANOTHER COMPANY.

Certegy 's actions caused my bank account to overdraft. 

This is not right and certainly not fair.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Consumer complaint received 2019-06-06
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE (CA)

The following charges were reported as never being authorized to the credit card company multiple times starting XX/XX/XXXX and were not made by me or my wife. Despite multiple correspondence and phone calls, and with multiple instructions to stop allowing the charges, the company never stopped the charges and never took the fraudulent charges off of my account. 

Transaction Date Description Category Amount XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX   DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX   DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX   DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX
Consumer complaint received 2018-04-12
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. (TX)

I have filed numerous disputes with the credit reporting company and accounts that were opened in my name, are still listed each time I call and speak to a representative I am informed that the process will take an additional 30 days and there is never a resolution in having the items removed. I also spoke with the representative regarding incorrect personal information, including social security number and addresses and inquiries that were not authorized by myself and was informed these would be deleted yet my most recent report still shows the information listed. I have attached copies of my FTC identity theft report along with responses from XXXX XXXX, XXXX, and XXXX XXXX XXXX indicating that they have agreed to delete all the accounts. 
This is a direct violation of my consumer rights under : section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NY)

I had paid an account in XX/XX/XXXX with XXXX XXXX XXXX and it has been removed from my credit report. Company did NOT verify my identity and went right into talking about personal information of the debt when I could have told them I was who they were looking for but it was, in fact, not. I have advised them in XX/XX/XXXX not to contact me and to cease and desist communication but had received a call on XX/XX/XXXX at XXXX EST.
Consumer complaint received 2018-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III (CA)

I received a letter from The Law Offices of Robert J Colclough III originally dated XX/XX/XXXX stateing the firm is the Current Creditor and a Judgment has been entered against me for {$10.00}, XXXX I have already responded to this Old Credit Card Debt from the XXXX, a debt from which I do not owe. 
The XXXXXXXX XXXX XXXX filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX I worked with the Leving Officer XXXX of the XXXX Sherifs Dept. to have the levyed funds returned and the Case of Levy dismissed.

I never owed this debt, and will now seek Legal representation to defend myself against this debt collector and request the court for 30+ years of damages. 


HISTORY : This is an old debt of 30 years ago originally known as XXXX XXXX XXXX. The debt was not mine, however I have been fighting this for all of these years. 
XXXXXXXX XXXX XXXX  XXXX collected the debt. from XXXX XXXX XXXX XXXX was aquired by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered in to Chapter XXXX on XX/XX/XXXX. 
The XXXX XXXX XXXX filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX The XXXX Sherifs Dept. released the levy and returned the funds on or about XX/XX/XXXX There are currently hundreds of complaints filed to the CFPB in regards to ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The Law Offices of Robert J Colclough III The XXXXXXXX XXXX XXXX.
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TN)

I file a complaint with you guys 60 days ago the company responded stating I will have my money within 60 days and I still dont have my money I want to know what I do now! Make a police report? Get a lawyer? Because at this point my money was stolen by the bank and they wont give it back
Consumer complaint received 2023-09-24
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. (CA)

( 4 ) four unauthorized inquires was placed on my credit report. I did not give or the Capital one permission to report on my credit report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I have not initiated any transaction with ANY OF THE MENTIONED INQUIRIES IN QUESTION.
Consumer complaint received 2023-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

US Auto seemed to just disappear, I have no knowledge of the company who allegedly has my contract. It seems very sketchy and fishy because I have had gap insurance on my vehicle and since my contract was sold to another company, I no longer have my gap Insurance. Also my price that is still owed is absolutely incorrect. I have tried speaking with someone at Westlake portfolio and its impossible. I once was able to contact someone and I asked for proof that they now own my contract and they refused. I have tried my best to keep paying my car note but something doesn't sit right with this company. I am now having issues with the car and my car is under warranty and I have no where to take my car for Service. Also god forbid me getting into a car accident and I now have no gap Insurance, and they never told me anything, I had to ask them the one time I was able to get a live person on the phone. I really need to do a debt validation letter to make sure this Information is correct because I dont have a contract with Westlake portfolio, my contract is with US Auto . This whole ordeal is a mess and no one is affected but the people who have these contracts that are now void. Can someone please help us.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I sold apartment in NY put {$30000.00} down on house and put in my husband name ONLY as his income was better for a fixed mortgage my husband for XXXX years.He owned company in XXXX and commuted. He died in XXXX XXXX which is suspicious, due he was arriving in XXXX next day his daughter put divorced on death certificate.. my family flew down Immediately.. I was deleted at home called XXXX and said he died they gave me no help.. His daughter took all information from his lap top and said she was me.my attorney called XXXX to not refinance.. there was a tax lien on house which I was trying to handle IRS.. I received paperwork from XXXX in email telling me refinancing and IRS was included. XXXX was very difficult.. I proved continual married and our Attorney helped my sister and I pay off mortgage they had no right going in my credit report XXXX  never called me.. my XXXX attorney ihas proved fraud that there was no divorce and they are being served by a judge. I HAD NOTHING TO DO WITH XXXX AND THEY ALMOST GAVE MY HOME TO A THIEF.. 
I WANT THEM OFF MY Credit REPORT NOW I WILL TAKE LEGAL ACTION ON XXXX. I AM XXXX and THIS IS IDENITY THIEFT, and XXXX IS INCOMPETENT
Consumer complaint received 2023-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (VA)

Have had a claim open since XXXX for a charge regarding a laptop that never came and I was never refunded for. Bank is telling me I must wait up to 120 days to get a update on whether i am getting my money back. Clear violation of regulation e as it has been more than 10 business days so a credit must be applied. Spent over 10 hours XX/XX/XXXX and XX/XX/XXXX on the phone with representatives who did not help or give me any updates.
Consumer complaint received 2023-09-24
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: EQUIFAX, INC. (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2023-09-24
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. (PA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2018-08-01
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: BB&T CORPORATION (MD)

My applied to refinance the Home equity line of credit. They wanted my income for the loan calculation. At no point did I authorize them to pull my credit report. Nor did I sign any paperwork regarding this new loan. The following day I get an alert they had pulled my credit report.
Consumer complaint received 2018-08-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I never received this Withdrawal Letter and and loan application from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, # XXXX/XXXX  XXXX, CA, XXXX Who has an zip code with XXXX XXXX 's at the end. Never had the phone number ( XXXX ) XXXX. I never had liens of {$140000.00} and had no subordinate financing of {$9000.00}. I never spoke with XXXX XXXX on XX/XX/2008. This is fraud. I never had assets of {$200000.00} and then seven days later have another {$4000.00} in assets on the refinance. I didn't know who Countrywide XXXXome Loans was until I received my first billing statement in XX/XX/2008. This is why I never received copies of anything from Countrywide for the HELOC and the refinance because they falsified my loan documents after I sent them back by mail. Also, if your implying I told Countrywide Bank by telephone I had all these assets they would have had to have verified it and itemized it for the loan. I sent in documentation as to my income. I find it funny that the other two loan applications were from XXXX, Arizona from XXXX XXXX. The licensing for these loans was in Arizona. For the refinance, Countrywide Home Loans Inc. # XXXX  ,XXXX XXXX XXXX XXXX XXXX, XXXX, CA., XXXX was closed in Arizona on XX/XX/2008. So where did the money go if I didn't sign a loan application until XX/XX/2008. You can say you were just the loan servicer and you consider this closed but now I'm sending all information to the Attorney General 's office with all the proof including my promissory note. Do you think if I had all those assets I would have lost my home. I don't care how old this is. Your falsifying a document that should have been sent to me last year when I requested all documents from my file. Bank of America also falsified another document. So I have two documents one from Bank of America and one from XXXX XXXX. This is far from over.