davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bendett & McHugh, P.C. (MA)

We have notify XXXX XXXX in behalf of XXXX XXXX XXXX President and Managing Partner of this Fraudulent claim in the public newspaper. We spoke on XX/XX/21 and I inform her of their liability and the damage that they have directly caused with this Fraudulent claim of an debt being owe. This firm is Malicious engaged in Unauthorized practices of law which has cause myself and kinfolk unmeasureable distress which The CFPB has prima facie evidence of. XXXX XXXX XXXX President and Managing Partner is a foreign agent who has no authority over An Free America we have no contract with this criminal organization or his associates. Criminal charges will follow this claim for damages since these individuals are Knowingly and willingly committed Felony crimes against our unalienable rights of freedom and liberties. These individuals must cease and desist all nonconsensual communication regarding our privacy property and information. XXXX XXXX XXXX is engaged in treasonous behavior towards An American national which We the people are the true creditors of this state and this Fraudulent claim of an debt owe is Absurd. This property is clear from any cloud on said title. We have provided the discharge information and estate information in good faith to these tresspasser of law. 

LAWFUL NOTICE : DISCHARGE OF ALLEGED MORTGAGE BK : 60920 PG 369 LAWFUL NOTICE OF PURE TRUST CERTIFICATE : BK 65256 PG 108 NOTICE OF LIABILITY FOR ALL PARTIES INVOLVED DIRECTLY OR INDIRECTLY. ANY TRESPASS UPON XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX COUNTY, ALL TRESPPASER WILL BE ARRESTED AND CHARGE CRIMINAL. THIS ATTEMPTED OF UNLAWFUL CONVERSION IS TREASON AND MUST CEASE AND DESIST IMMEDIATELY AGENT TO PRINCIPAL IS PRINCIPAL TO AGENT IGNORANCE OF THE LAW IS NO EXCUSE NOR DEFENSE
Consumer complaint received 2023-05-14
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: SYNCHRONY FINANCIAL (PA)

Be advised that on [ Dates listed below ], My consumer report was obtained without my authorization or permissible purpose under the FCRA. 15 U.S. Code 1681b. 


[ XX/XX/2021, XXXX XXXX  XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX  ] [ XX/XX/2021, XXXX ] Promptly delete the unauthorized inquiries.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to a dealership and they stole my information. I do not authorize this companies to pull out my credit report. All this HARD inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL (CA)

I did not use have the services since it was XXXX XXXX XXXX. I called to cancelled but was told it was not possible. I would asked to settle the debt for {$1000.00}. 

Account Ending In XXXX | Log In Get in touch with us, we'll help you through this Hi XXXX, A friendly reminder that your CARECREDIT/SYNCHRONY BANK account is past due. 
Current Balance Total Minimum Payment Due Past Due Amount Non-Past Due Amount {$3300.00} {$250.00} {$100.00} {$140.00} Due Now Due XX/XX/2022
Consumer complaint received 2022-11-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

N

othing was done it's been 32 days and i need this information remove! All Hard Inquiries and soft Inquiries as well 11. Names 21. Address 2. SSN Variations 4. Employes 5. Other Records
Consumer complaint received 2022-11-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 



4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (SC)

XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (GA)

I WAS BANKING WITH NAVY FEDEREAL CREDIT UNION AND HAD BEEN SINCE XXXX AROUND XX/XX/XXXX I HAD MOBILE DEPOSITED A CHECK GIVEN TO ME FROM SOME WORK I DID FOR A CLIENT IN THE AMOUNT OF XXXX XXXX XXXX CHECKS NAVY FEDERAL PUT THE MONEY ON HOLD AND RESTRICTED ME ACCESS FOR 7 DAYS TO VERIFY FUNDS AND THAT THE ACCOUNT WAS ONE IN GOOD STANDING ON THE 8TH DAY IS WHEN I CALLED TO GET A UPDATE AND STATUS OF THE FUNDS IN WHICH SOMEBODY IN THE SECURITIES DEPARTMENT INFORMED ME THAT THEY HAD VERIFIED AND VALIDATED THE FUNDS AND ACCOUNT THEY THEN RELEASE MY FUNDS DUE TO ME NOT.HAVING A CHECKING AT THE TIME I TRANSFERED THE MONEY TO MY SISTER WHO IS ALSO A NAVY FEDEREAL MEMBER SHE THEN TRAMSFER VIA XXXX APP THE ENTIRE.AMOUNT OF THE TWO CHECKS NAVY FEDEREAL THEN COMES 3 DAYS LATER AND WITHDRAWLS XXXX  OUT.OF MY LIL SISTER ACCOUNT SAYING THWY REVERSED THE FUNDS FOR FRAUD EVEN THO THAT WHY THEY.INITIALLY HELD THE FUNDS FOR THOSE 7 DAYS
Consumer complaint received 2023-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

I checked my credit report and notice alleged debt from NATIONAL CREDIT SYSTEM. I do not know who this creditor is. Ive never done business with this alleged creditor or signed any contract with this alleged creditor. I dispute the validity of this alleged debt.
Consumer complaint received 2022-11-01
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. (MD)

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CREDIIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.
Consumer complaint received 2023-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuosly ask for.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OH)

This is in regard to Chime Bank. On XX/XX/, an individual from XXXX XXXX, FL got access to my Chime account information and made purchases unauthorized by myself. They framed themselves as a Chime worker and even made it so that their caller ID was Chime support 's real number. A few minutes later, the individual made purchases to my account, and when it was noticed that somebody had committed fraud on my account, I filed for a dispute. When filing my first dispute, it was denied due to mistakes being made on the claim. The claim was then filed for rebuttal with the mistakes being corrected. The representative said that the mistakes were corrected, but when denied again, I noticed that the mistakes were not fixed. As of today, I have filed for a rebuttal 4 times and have been denied. I have filed for rebuttal again today and submitted all supporting documents. I have filed a police report and reached out to both merchants and talked with their corporate offices. Even with that evidence, no resolution has been provided. It has now become an inconvenience and terrible customer support.
Consumer complaint received 2023-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I signed my loan back in to XXXX not aware of the 23 % internet rate tagged onto my account. I fell onto hard times during XXXX and my late fees sky rocketed along with adding interest on the account. Now in XXXX I still owe a massive amount for a car that should have never had this much APR. I read that New York has an open case on XXXX after reviewing their practices with dealerships and consumers.
Consumer complaint received 2021-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (MT)

Google Pay took money out of my checking account. No actions were taken by the company. There holding my money for 7 days for no reason. {$19.00} was taken out of my bank account with no recollection of even sending money at all. I believe they stole money from my bank account and its just sitting and pending and I want my money back.
Consumer complaint received 2022-11-02
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-07-23
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. (AL)

I am writing to dispute inaccurate and inconsistent late payments on my auto loan with Ithink Financial, as reported on my credit reports by XXXX and TransUnion. 
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account. I have not received the requested bank statement/ledger from the lender to show dates of payments. 
TransUnion is reporting 30 day late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 day late payments reporting : XX/XX/XXXX XXXX is reporting 30 day late payments for the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 day late payments reporting : XXXX, XXXX XX/XX/XXXX See XXXX credit reporting info I understand my rights under the FCRA and the duty of credit reporting agencies to conduct a reasonable investigation into disputed items. I also expect that any information found to be inaccurate, unverifiable, or incomplete will be promptly removed from my credit reports. 
Given the importance of maintaining accurate credit information, I request that you address this dispute as promptly as possible. Timely resolution of this matter will enable me to maintain a fair credit standing. 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks
Consumer complaint received 2024-03-26
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. (CA)

To whom this may concern : This account was charged off on the following date XX/XX/XXXX. Since then, the date of last activity has been incorrectly updated on Equifax the date of last active XX/XX/XXXX, and XXXX has deleted the account. If the information is coming from the original creditor the dates should be the same. We can not say theses accounts are 100 % accurate so it is deemed inaccurate. Please, delete this account from my report : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (FL)

I appreciate you making the effort to update and remove some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

LAKEVIEW Loan servicing by XXXX has not paid my insurance which is escrowed. I only found out because I got a notice from my homeowner 's insurance company that my policy has expired. I called XXXX and they told me it was my fault because I did not send them the bill. I have never sent the mortgage company a bill EVER in owning multiple properties until this horrible company bought my loan. I uploaded a copy of my insurance to XXXX but they still haven't paid it. I made a payment with my own separate money to my homeowner 's insurance to protect my own interests but I don't know when I will ever get that money back. This company if fraudulent at every chance they get to steal money from consumers.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: LEXISNEXIS (IL)

This third-party credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from other third-party agencies, known as data mining companies. Therefore, it MUST be deleted.
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5500.00} ( Original Creditor : ) XXXX XXXX XXXX {$80.00} ( Original Creditor : ) XXXX : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$5500.00}
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2022 I in error used XXXX XXXX online application system to transfer XXXX XXXXXXXX from my checking account at Bank of America to a closed savings account at XXXX XXXX XXXX XXXX rejected the transfer on XX/XX/2022. I was told by an XXXX XXXX representative that their rejection would automatically send the XXXX XXXX  back to Bank of America to be credited to my checking account. Not having had my checking account credited for the XXXX XXXX I have been calling both banks. Each time my call is routed to a different call center and I get a different explanation as to what will happen when. It appears that my XXXX XXXXXXXX has vanished and this should not be case. Please help me get my XXXX XXXXXXXX back.
Consumer complaint received 2017-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Account Resolution Services is not treating me fairly and is breaking the law. I am a victim of identity theft ; my reference number with the FTC is XXXX, and this company is demanding payment for deletion even though the debt was a product of fraud. They are calling me harrasing me in fact after I demanded they cease all contact with me. I want them to remove their collections from XXXX and XXXX. They never sent me a bill or letter before the collection was reported to the CRA 'S and they know that but still demand payment for deletion. Also when I disputed the collection with XXXX they did not ceace collection attempts and reporting to the CRA 's. They will not stop harrasing me. Please help me
Consumer complaint received 2017-09-08
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. (OH)

Equifax mishandled my information. I am listed as a potential victim of a security breech according to their equifaxsecurity2017.com website, and would like a resolution that does not require me to enroll in their services due to their history of mishandling personal information or absolve them of their liability.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX account # XXXX, XXXXAccount Name- CAPITAL ONE Account # XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXXACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX XXXXACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT # : XXXXACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT # : XXXXACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXXACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT # : XXXXACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXXACCOUNT NAME : XXXX ACCOUNT # : XXXX ( Make sure you put the Account Name and Account # ) has violated my rights.

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

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without 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 times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known ir has reasonable cause to believe that the information is inaccurate.