davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

After numerous attempts to resolve inaccurate information being reporting by Synchrony Bank/XXXX XXXX they retaliated by reporting more derogatory information to the credit bureaus. I had a city furniture account I paid off on XXXX 2012 and I asked the customer service to close the account. Instead, they reported that my account was charged off and continued to report charge off till XXXX 2012. They acted in bad faith and this is a false and criminal reporting.
Consumer complaint received 2017-07-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (NY)

I received a letter over the XXXX XXXX holiday weekend asking me to call Discover by XXXX XXXX to get information about a settlement amount I am owed. Obviously, because of the dates, I was not able to comply with the letter, so when I called today, they said I had to reach out here to get information.
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Account Number on the letter is XXXX My Info : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX I would like to understand what I am entitled to under the Consent Order with the Consumer Financial Protection Bureau. I never received the check referenced in the letter.
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Thank you!
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

XXXX has negative items on my credit but XXXX is a 3rd party debt buyer that sells the loans as investment vehicles which means they do not have my loan any longer. Since they did not have my loan and do n't know where it is all negative marks should removed from, y credit. It is illegal for XXXX to collect money on a loan that XXXX no longer owns, this is a criminal act and needs to be investigated. The only loan that I owe on is the co-signed loan but the other loans that " XXXX allegedly has '' are no longer valid because they have to proof they own the debt, they have the right to collect on it which they did n't. The only item I received from was something from XXXX XXXX XXXX, XXXX no longer owns my debt and they are a trust not a lender like XXXX claims. Even XXXX XXXX from XXXX advised me that XXXX is not a lender and not sure sure why XXXX told me that. XXXX is a 3rd party debt buyer, not a lender at all and they never were. I talked to the credit bureaus and they advised me that XXXX is suppose to remove any negative items if hey do not have proof of ownership from XXXX. If XXXX were to sue me, they would need this information which I never received. XXXX never sent proof that they have ownership of this debt or where my loan currently is. I want to move my loans to my bank but I ca n't until this problem is resolved. I do not want to do business with XXXX, they engage in shady business practices. Their reps lied about an amount I owed and then they keep trying to force to do auto debit even though I wrote them a letter telling them I will never do auto debit with them, I do n't trust this company and they should be shut down.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (IN)

A credit card was opened in my former name with charges with XXXX XXXX. The card was opened and {$1900.00} was charged. I reported this to all my credit reporting companies and notified the credit company companies.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NV)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge. 

Thank you
Consumer complaint received 2016-06-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: V and H Portfolio (LA)

I have been continuously called by Office Vance Huffman, XXXX XXXX XXXX, XXXX VA XXXX asking for my son XXXX. They have called my cell phone multiple times and have now threatened to report me for " illegal activity '' as I am erroneously representing to be XXXX. XXXX is XXXX and still a dependent. I have his permission to act in his name. They are calling about a bad debt for a " XXXX in XXXX New Mexico. '' First this was never rented there. Secondly none of my family has ever been to that city. Third the last XXXX digits of the social security number they provided are wrong for my son. Fourth, I am not sure how they even got my cell phone number. I have advised them on more XXXX phone calls to stop calling but they persist in their harassment. What can I do to stop this nonsense?
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (OH)

I have contacted Experian at least XXXX times regarding the erroneous information listed on my credit report. I provided notarized police reports, FTC affidavits, documentation of complaints filed with the FTC, CFPB and the FBI internet crimes unit. In addition, I have provided proof, in the form of receipts, bank statements indicating that fraud occurred on my account, and all invoices from companies proving that purchases were fraudulently made. I also included proof that I was not even in town when all the alleged transactions were made. Experian continues to refuse to acknowledge this information and repeatedly sends generic letters which request " Notarized FTC affidavits to complete the investigation. '' Yet when I send this information to Experian they have done NOTHING to update my file!
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Professional Credit Services for {$110.00}, and XXXX XXXX XXXX for {$240.00} are the XXXX Collection Agency these people have sent these accounts to. The balance of these accounts are from fees, interest, and what ever else was charged to these accounts. Original accounts were XXXX XXXX and XXXX XXXX. XXXX phones were turned on in 2012, and shut off the same year. They need to be removed from my reports.
Consumer complaint received 2015-05-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (NC)

I went online to Experian.com to get my annual free credit report. After my report was generated, the website had an option for me to get my credit score for {$1.00}. I ordered the credit score for {$1.00}. I just looked at my credit card bill and not only did Experian charge me the {$1.00} on XXXX XXXX, 2015, they also charged my credit card an additional {$21.00} on XXXX XXXX, 2015. I called Experian today, XXXX XXXX, 2015, to find out why they charged my credit card {$21.00} and was told by XXXX ID # XXXX that the charge was for their credit monitoring service. I told her I never signed up for that service and wanted my money refunded. She said she could cancel the service, but the charge was a legitimate charge and could not be refunded. I told her I never gave Experian permission to charge my card for that service or sign me up for that service. I asked her to transfer me to her supervisor. She supposedly got a supervisor, XXXX ID # XXXX, who sounded exactly like XXXX. I told her I never signed up for the service or gave permission for Experian to charge my credit card for a credit monitoring service, only the {$1.00} for my credit score. I told her I wanted my money refunded and she told me it was a legitimate charge and they would n't refund my money. I asked to speak to a manger and she said she was the highest one there for me to speak with. I told her she sounded exactly like the other lady and I was going to report Experian. I also told her how Experian was a scam because they had my credit score so much lower than all the other credit reporting agencies and had wrong information on my credit report, which I 've already disputed, now they are charging me for a service I did n't sign up for. A thorough investigation needs to be done on Experian. I believe they are lowering consumers credit scores really low to try to get people to pay for their credit monitoring and if they ca n't get the consumer to sign up that way, they illegally enroll the consumer without them knowing by offering them their credit score for {$1.00} and then continue to charge their credit card for a credit monitoring service. I want a full refund and a complete investigation into Experian 's unscrupulous and illegal practices. By law, consumers are entitled to get a free annual credit report, but when we go to Experian to get the report, we are scammed into paying for a service for which we did n't want or authorize to be enrolled.
Consumer complaint received 2016-10-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Experian Information Solutions Inc. (CA)

I signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called XXXX ( XXXX ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( Transunion, Equifax, Experian ). I am not sure how the credit bureaus verify this when XXXX is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both XXXX and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/2008 while showing a document of XXXX sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE XXXX EDUCATION, SECTION XXXX - Discharge for false certification of student eligibility or unauthorized payment.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I like to inform you that these items on my credit report should be removed. Because I do n't owe any balances to the company. I never open a secured credit card with XXXX XXXX Bank. I am going to provide the letter from XXXX XXXX that proves I never open the account. At this time I like for you to remove them from my credit report to reflect my true accurate credit report. So, that my true character will be shown to my current creditor and other creditors who inquire about my payment history.
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

OnXX/XX/XXXX you responded to complaint # XXXX  which was a challenge to a prior complaint : On XX/XX/XXXX I filed a complaint # XXXX against your company for reporting false information. You had 30 days to complete this investigation. You responded on XX/XX/XXXX that the investigation may take up to 30 days. It is now XX/XX/XXXX and the investigation is not complete and you have not provided any verification. You must now delete the accounts in dispute for being falsely reported. Your failure to delete these items due to the fact that your investigation took more than 30 days is a clear and indisputable violation of the FCRA. If they are not deleted immediately, I will be filing a lawsuit in circuit court, not small claims, for defamation.
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The accounts are 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX. These are all reporting false information. You are in violation of 15 U.S. Code 1681i and 15 U.S. Code 1681a.
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You responded that you have verified the information in the complaint, yet you do not provide any written proof to support your claim. The court system does not take your word for it and neither do I. You took more than the allotted time of 30 days to complete an investigation and you went over that. You violated the FCRA and you 're not getting away with it. You leave me no choice other than to take this mater up in court. I have given my attorney the go ahead to file the suit. If in the meantime, you should decide to come to your senses and delete the accounts, I will drop the suit.
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I am publishing all of the complaints on a well known website as well as social media and printed news about the way this matter was handled with XXXX auto responses and by a live human.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WI)

I am filing this complaint because Experian has ignored my request to provide the documents on file that they have on file that was used to verify the accounts I am disrupted. Being that it 's been past the 30 day mark and they can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that i have disputed. Please resolve this matter as soon as possible Thanks
Consumer complaint received 2015-04-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute with Transunion on XXXX and uploaded documentation -- including a letter from the IRS showing that a {$3600.00} lien was WITHDRAWN and should be REMOVED from my report altogether. On XXXX I received the results of their supposed investigation and discovered that TransUnion had failed to remove the lien and other negative items that I disputed. I 'm trying to buy a house and Transunion 's failure to investigate is causing me financial harm and distress. Please help.
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX incorrectly reported late payments after account was paid in full and settled. I disputed an incorrect late payment reporting from XXXX with them and the XXXX major credit bureaus. Trans Union is the only credit bureau that has not corrected the rating. I requested the correction on line according to Trans Unions procedure on XXXX XXXX and submitted written verification documentation from XXXX stating the account has been paid in full to Trans Union and Trans Union is saying its not enough, they need to talk to someone at XXXX. I provided phone # 's and contact information for XXXX to Trans Union and Trans Union is now saying they can not verify the phone number and are refusing to correct the issue. I am in contract escrow with a lender to purchase a new house and have given notice to my Landlord. I have to be out of my current rental property in 10 days and will lose thousands of dollars and be homeless if Transunion will not correct this issue immediately. The unacceptable part of this situation is Trans Union corrected the issue on my husbands report and is refusing to correct the same issue on mine over the same joint account with XXXX. If I ca n't get some immediate assistance with this from someone with some common sense and authority I will be homeless in 10 days. Please help, I have documentation to support everything.
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This issue is with TranUnion. I originally requested my annual free credit report from all XXXX agencies, XXXX requested additional identification, so I sent a copy of my social security card, my New York XXXX ID card and New York XXXX Medicaid card. With Trans Union I have also send a copy of my Veterans Medical Picture ID card. 
TransUnion has been the only one that has denied to send my credit report three times. 
I have no more id 's to send them. 
There are many incorrect credit items in my other reports and TransUnion is preventing my from correcting them. 
Can you please help me get my credit report from TransUnion? 
thank youXXXXXXXX XXXX
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion via XXXX used wrong info.regarding purchasing manufacture house. I was denied mortgage. I do not have foreclosure, and/orbankruptcy. XXXX, XXXX y.o. 
Some credit card problems due to companies sold it to third parties, changing frequently. 
also, medical bills arranged payment with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Serious medical problems, unable to make the copay payments. Thanks!
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have disputed the same information with another credit bureau and got a timely response and items deleted, however, this credit bureau has not responded even though I sent the request by certified mail and I have proof of receipt date XXXX days ago. This has caused me to be denied for credit, has prevented me from obtaining additional employment and has caused great strain on my health and well being.
Consumer complaint received 2018-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (TN)

XXXX XXXX XXXX is currently reporting a collection account to my XXXX   credit file. There are two problems with this, they are first violating my privacy reporting this collection account is a HIPPA violation and secondly I live in Tennessee. Tennessee requires all collection agencies to be licensed and bonded. Franklin Collection is no longer licensed in Tennessee therefore they are unable to collect on this debt.
Consumer complaint received 2020-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AZ)

Square shut my account down after I had payments in the amounts of XXXX, XXXX, and XXXX go into my checking account from the same individual. I rent a room out in my house and was given a fake identity by XXXX XXXX a customer of one of the Squares companies Cash App. XXXX came to me and said his mother died and he needs money for burial expenses. XXXX sent the money to my account immediately so I had no reason to believe that my money wasn't safe. It started out at XXXX XXXX and went up because of what I was told was incidentals. Square deactivated my account and sent me an email saying my funds would be deposited into an account with the wrong name in 120 days. This was my paycheck money, not extra cash I have around the house. XXXX XXXX turned out to be a conman and I notified the company at once so they wouldn't return any money to him. Square blocked me from messaging them and doesn't have a phone number to call. I however have been in contact with Cash App. They have been providing information and advising us. Under Arizona Law, a transmitter can't hold your money for 120 days to collect interest for their company. They are also a Bank so this makes it also illegal. XXXX XXXX is a XXXX  on the run. I have attached documentation to prove this and my claim.
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I have multiple fraudulent transactions on my account. Someone stole my phone and my wallet from my house. It had to be one of the babysitters because they knew my pin, which is my gate code. And the only people that know my gate code and are my relatives and the babysitters. 

- XXXX 's XXXX - {$1.00} - XXXX XXXX - {$5.00} - XXXX Withdraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL - {$22.00} - XXXX Purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX {$15.00} - XXXX Withraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL - {$100.00} - XXXX Withraw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX {$400.00}
Consumer complaint received 2018-10-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent EQUIFAX a final certified letter on XX/XX/18 & they signed for it on XX/XX/18 @ XXXX, requesting a copy of what they used to verify the following negative accounts they continue to list on my credit report : 1 ) XXXX for {$1700.00} 2 ) XXXX  for {$1200.00} 3 ) XXXX XXXX for {$680.00} 4 ) XXXX for {$4300.00} 4 ) XXXX XXXX for {$2800.00} & a copy of my updated credit report.

They have ignored these requests. They have not responded at all & it has been OVER 30 DAYS.
Consumer complaint received 2018-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Mother has not even been buried in the ground for 60 days as date of death was XX/XX/18. Creditor already attempted to place with strong arming collection agency of XXXX XXXX XXXX  to try to settle the balance. For the record, no known executor exists, no known liquid assets exist, I am the daughter, I am not responsible for paying the balance of my deceased mother.