davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-12
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: ENCORE CAPITAL GROUP INC. (TX)

In accordance with Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Act # XXXX, Midland Credit Act # XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, You have no permission to furnish any information on my credit report in the first place. If you do not have a contract with my wet signature, please DELETE this account. See attached proof. 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ) Sections states : no consumer reporting agency make any consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is correct.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I am contacting you because I am concerned about the accuracy and honesty of your company 's data. As per FCRA section 611, we must have accurate records on file with those who rely upon them most, including customers and potential lenders or employers. 

I would appreciate it if you could take care of any names listed incorrectly in your database. My actual name is XXXX XXXX XXXX if you have anything in your system that is different from what I have just mentioned, then delete them immediately. 

I need you to delete any address in your system that varies from XXXX XXXX XXXX XXXX XXXX, MD XXXX. 
It will ensure the database has accurate information about me.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have applied for an apartment complex and the screening company is reporting my charges as a XXXX XXXX when the final conviction is a XXXX to the apartment complex. I am now being denied because of the charge being filed incorrectly. I have called for 3 days and spent hours trying to talk to someone. I have sent over the final conviction notice from the courts and the company will not adjust how they are reporting the charges.
Consumer complaint received 2019-10-21
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: ALLY FINANCIAL INC. (IL)

I notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors Ally Finical, XXXX, XXXX XXXX and others havent been any help.
Consumer complaint received 2019-10-21
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-21
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: LEXISNEXIS (GA)

This complaint is against Lexis Nexis, on or around XX/XX/19 I received information that this company is reporting a bankruptcy record to bureaus. I contacted the company on XX/XX/19 with my concern and was responded to by XXXX on XX/XX/19 advising that there is no such record, which I found odd because they have been the ones reporting it. I also advised that I reached out to the courthouse in XXXX and they advised that they do not report nor verify public records to third parties ; and I was confused as to where it came from, he advised they would dispute the information and send me an updated report. Fast forward to XX/XX/19 I receive two packets from Lexis Nexis concerning the investigation in question over 300 pages and to my surprise all of the information well 90 % of it belongs to my XXXX sister, they have transposed so much data its ridiculous. I placed another call to lexis nexis and spoke to a young man who had no sense of customer service and not even understanding my frustration. I dispute information on my report as inaccurate and your defense is to send me a letter stating that the information has been verified, with a report of over 100 pages of inaccuracies. I have tried to remain calm and allow them to fix this error, not even knowing that my whole file with them is an error that they are reporting as if it is factual. I have the email from XXXX telling me how he searched the records and there is no public records for me, provided him with information as to how the courts do not provide that information to any third party so for them to have it or to get it from someone else is a complete falsification, I went down with my ID and wasn't able to get anything because there is no public record belonging to me, then they add an additional bankruptcy in Florida that belongs to my XXXX sister, her addresses, her professional licenses, her inquiries, I am not a registered nurse nor am I a nursing assistant never have been either. Something needs to be done about this I can only imagine the amount of people they are providing inaccurate information on. They may not care but my score is important to me as well as the information that plays a factor in said score.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

My PayPal Mastercard via Synchrony Bank was canceled without notice.

User Agreement " You will be notified of any change in the manner provided by applicable law prior to the effective date of the change. However, if the change is made for security purposes, we can implement such change without prior notice. '' I was told that two returned payments were the reason for the canceling of my card for the amounts of {$100.00} and {$100.00} in late XXXX. The amount was readjusted for XXXX, and my account still active. I posted a payment of {$1000.00} on XX/XX/2019 and the amount posted to the account on XX/XX/2019. 

I continued to use the card WITHOUT knowledge of its apparent imminent cancelation for a remaining balance of approx. {$850.00} which will now accumulate interest until payment without my full access to the card.

PayPal/ Synchrony did not notify me prior to an imminent cancelation as stated by law and their own User Agreement. Since I was never notified of any transaction being deemed " Suspicious '' PayPal/Synchrony has no basis to cancel my account without notifying me prior.

A customer service call to a representative of PayPal claims to have also spoken to a Synchrony representative while I was on hold on XX/XX/2019 at approximately XXXX XXXX. I was told the account could not be reopened. The representative spoke to a supervisor ( upon her own accord ) who also told her it was not possible to reopen the account. 

This comes at a very bad time for me and has/will cause undue financial stress. I also was denied the 2 % cashback reward for all purchases while my card was active. This is the primary reason I used the PayPal Mastercard instead of my Debit Card. I've been misled and had an illegal action taken against me due to the lack of notification.

PayPal/ Synchrony made no effort to rectify any of the aforementioned issues.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-04-17
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: Early Warning Services, LLC (TX)

On or about XX/XX/2023, I received a declination letter from XXXX XXXX XXXX ( Early Warning Services , LLC ) from another state ( Arizona ) declining the opening of an account. I don't live in Arizona and have never applied for any type of account with XXXX XXXX XXXX
Consumer complaint received 2019-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2019 I went to the Chase branch on XXXX in XXXX XXXX, MI to obtain a copy of my checking statement. I found myself outraged that my statement cut-off is XX/XX/XXXX so I have to wait an entire month in order to provide a copy of transactions to another institution. The branch alleges they no longer have the capability to print my statement nor can I print statement information after the cut-off date. Why, not? I utilized the ATM via debit card to obtain a copy of my receipt which displays the last 10 transactions. This action didnt denote if a transaction was an ACH or give a running balance. I cant provide another institution a screen shot which is the only option Chase left me with. How can I handle business that requires a statement if I have access to a certain portion of my account regarding dates. 
Its fine if Chase doesnt want to print the information. However, to take away my right and control to manage my account is unacceptable. In addition to, not providing any alternative resolution such as an interim statement that can show my posted transactions after cut-off. Allow me the option to select certain days after statement cut-off. Yet, to force a customer to wait a whole month demonstrates a lack of understanding on Chase behalf.
Consumer complaint received 2023-07-21
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. (IN)

I don't know what happened. They just keep blocking my credit card. I have around XXXX in my checking account, and I tried to order a XXXX item, and I keep getting a resend your order message. A couple of days ago I got some kind of warning from somewhere that said I was bad for some reason???
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Outsource Services, Inc. d/b/a National Acceptance Company (NY)

I joined a gym membership, signed and paid for the 16 week program in XXXX and paid upfront in full, with the option to cancel after the 16 weeks.

Once I completed the 16 week program, the gym owner gave us the instructions from the company who sponsored it on how to cancel. Which I followed exactly as instructed. 
You had to attend 3 classes per week and log the classes in on the planner app, which I did. Then you had to send a certified letter advising the National Acceptance Company, who apprently is the 3rd party billing company that you are cancelling the contract membership. I sent the certified letter, with a copy of my print of the classes attending to show proof of the required 3xweek attenandce record. 
They then called me in XXXX to tell me I owed them {$2.00} as a verification fee or entry fee. Which I did not pay. 
Now I am being billed for the full gym memebership and if I dont pay they are going to put me into collection and ruin my credit. 
They are bullying me, I have called and was told I can not pay this {$2.00} now, and I have to start the cancel process all over again and pay the past due amount of now {$190.00}. How can they justify this kind of fraud. 
This is ethically unjust and I feel like they are holding my credit hostage. 
How is this allowed to continue? How are they allowed to hide behind this 3rd party billing scam.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to express my serious concern regarding the unresolved dispute I submitted to Experian on XX/XX/2023, XX/XX/2023 and then again on XX/XX/2023 AND also through this portal XX/XX/2023. 

I provided a detailed dispute letter, requesting the removal of inaccurate addresses from my credit report. Despite the XXXX window specified by the Fair Credit Reporting Act ( FCRA ) for investigating and addressing disputes, I have not received any communication or resolution from Experian for any of the requests, merely a dispute results can not be viewed online through the website and the inaccurate addresses remain on my report. 

My dispute letter submitted XXXX XXXX previously included essential information, such as my name, current address, the disputed addresses, and an explanation of the inaccuracies I identified. The FCRA, which governs credit reporting agencies like Experian, stipulates in Section 611 ( a ) ( 1 ) ( A ) that upon receiving a dispute, the credit reporting agency must conduct a reasonable reinvestigation to determine the accuracy of the disputed information. Additionally, Section 611 ( a ) ( 8 ) of the FCRA mandates that consumers are entitled to a response within 30 days after the agency receives the dispute. I kindly request that you promptly investigate the inaccuracies and address this matter as required by law. 

The other CRAs are not reporting these addresses! Experian says data furnishers are providing the information- which they have yet to show what methods they used to get this info and from who. 

I also request that Experian remove the disputed addresses from my credit report ASAP as this has already been MONTHS. Failure to do so would not only be a violation of the FCRA but also severely impact my financial standing. Inaccurate Address : XXXX XXXX XXXX XXXXXXXX, NJ XXXX Inaccurate Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX have relied on the accuracy of my credit report for various financial and personal transactions, and this error has caused undue distress and concern.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/2023 I withdrew {$10000.00} from my account at XXXX in the form a Cashier 's Check. I then walked across the parking lot to Bank of America to deposit it into my checking account, which I have had for over twelve years. 

At the time I deposited it, I was informed that the bank might put a hold on half of it, but {$5000.00} would be credited to my account right away because in their words, " it's the law. '' Later that same day I was informed via email that Bank of America had put a hold on the entire amount until XX/XX/XXXX. The reason given was : " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' I called the bank and was told there was no way to get the deposit cleared earlier. 

Had I been informed that the bank was going to put a hold on my money, I would have walked back across the parking lot to get cash.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On several occasions I have made the Credit Reporting Agencies aware that they were reporting information inaccurately and each time I receive that the account has been verified but the date of last activity on the account remains the same. If they are in fact verifying this information is correct and reporting accurately, please provide me with the method of verification to include, date, with whom you spoke and what information was sent to verify this account. Also these accounts have been re-aged so that they remain on my report longer than they should be. 

XXXX  # XXXX XXXX # XXXX
Consumer complaint received 2019-10-21
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: JPMORGAN CHASE & CO. (NJ)

Regarding CFPB Complaint # XXXX The company has STILL failed to provide proof showing that the IP address belongs to a device at my residence!!! " The sales draft provides the IP address of XXXX which is linked to the location in which you reside. '' What sales draft??? " The enclosed document has been redacted to protect private information such as account and other confidential data. '' What document?!? All they've provided is the following!! " Enclosures : Sales draft Letter dated XX/XX/XXXX Merchant IP address confirmation '' Really?!?!?! And if they're referring to the sales draft that XXXX showed them.. Again -- Not sure how many times I have to bash this into their thick heads ... XXXX has had it out for me, as it is on record they have already lied to Chase and showed fake documentation regarding a seperate dispute from me, as well as Chase eventually permanently crediting my account because they realized they lied and showed fake documentation!!! And it was shortly before this dispute!!! It is also on record, that months before this fraudulent purchase, XXXX banned me from making future purchases, and flagged me in their system so that I nor anyone in my household could create an account!!! Aside from this, acknowledging the purchase on my account was fraudulent via the email they sent me, and agreeing with fake documentation from XXXX, this is completely unacceptable!!! And I am NOT having it!!!
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

Specialized loan servicing company ( SLS ) continues to overbilled me. I have now contacted them 18 times to try to get an answer. They continuously to me that a supervisor will call me back within 24 to 48 hours. If I am working at the time, I have to start all over because nobody knows whats going on there. They have cashed two checks and mis credited them triggering late fees to my account. The amount seems to change every month constantly causing long phone calls to a staff that is ill trained and never seems to have a supervisor available. This company needs to be investigated. The amount of errors are just unacceptable including posting to the credit bureau that payments are late even after the error on their part was discovered. 
The most current phone call was made again today, XX/XX/2019. 
PLEASE investigate. They send you in circles to email and fax information and then claim that they never received it. In the mean time, Im spending hours getting false information removed from my credit report.
Consumer complaint received 2019-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

First, we were XXXX customers that happened to be swallowed up by the bailout and ended up a victim with XXXX. With that being said, we've been battling with its numbers subsidiaries since XXXX - XXXX, XXXX and XXXX XXXX, now XXXX and XXXX ( XXXX 's vendor attorney ) and subsequently XXXX XXXX and Loan Care. 

In XXXX XXXX took over our loan in XXXX and " lost '' our first payment and the problem began. We did not have these issues with XXXX. But, the constant reallocation and the massive fees that did not comply with the terms of our note, the HOA fees, ( we do not live in a HOA ) the establishment of escrow when we have a waiver, adding insurance when we have insurance, yet no insurance was ever paid on our account, the countless infractions, misallocations, misappropriations, constant reallocations just to make sure money would not be allocated to our monthly payment to ensure more fees was exhausting. We always paid more than what we owed. We made significant payments of {$90000.00} principal payments that were never applied properly that took months to correct that cost us thousands in interests and yet none of the servicer 's are actually capable of auditing our account to rectify where our money was actually applied. 

Now, XXXX sold it servicing rights in XX/XX/XXXX to XXXX XXXX XXXX. And, XXXX sold its servicing rights again to XXXX XXXX XXXX  in XX/XX/XXXX. When I brought this to the attention of XXXX XXXX  XXXX when they tried to fast track a foreclosure on our properties for XXXX in order to secure assets for XXXX 's bankruptcy proceedings. XXXX XXXX XXXX still has not responded to any of our correspondence. Neither has XXXX, XXXX XXXX, or Loan Care. Truth be told it seems none of these companies seem to actually service our loan. They seem to just take our money and not apply it to our account.
Consumer complaint received 2019-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (MI)

I closed my PNC Bank account on XX/XX/2018 and 2 employees both told me in person that everything was good and my account would close out i didnt need to do anything but a few days ago i get a bill from a debt collector stating i owe XXXX and i never got any letters or anything from pnc which of course she claims she sent many of them. She wouldnt listen to me on the phone and if i owoed money from 2 months before i closed my account why wasnt i notified of this when closing said account? doesnt make any sense to me but it should be employee error not mine. This has been a year ago also so why am i just now being notified after that amount of time, to me its just weird and doesnt make sense