davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MO)

XXXX XXXX which was a XXXX account was closed and then XXXX sold it to Synchrony, which has now been changed to something else. The website is down, you can not make a payment or get access to any synchrony accounts : Including JC PENNY and Care Credit. The online chat is no help the person just said refresh and try a new browser. The phone number provided is no longer in service. Neither company can find my XXXX XXXX Account, which has happened many times in the past. It was an online bill pay which got messed up, but since resolved. They do not send paper bills any longer and the online services are not accessible. Synchrony has been a problem from day 1 when they bought my account. The emails that are sent to say your bill is due, provide a link which is no longer in service. There is no way to make any payments, but they will charge a late fee and past due.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My daughter and I have a joint cc with Capital One. XX/XX/2023 got letter from Capital One saying a credit card acct opened that we did not recognize, ending in XXXX. We called them to say no, we did not open this account, we think it was fraud. We thought a fraud investigation was opened from that call. We then called XXXX to notify them. We got a letter soon after from XXXX saying this was now closed and was resolved. We requested a statement and were told our cards were canceled out. We waited for quite a few weeks and no statement came. Finally a report came from XXXX and showed that {$30000.00} was charged to the CapOne card and showed other addresses and phone numbers- not ours. We called CapOne to tell them- they said there was no fraud investigation opened and that someone had reopened our account. We said we did not. They said someone did and that we owed these charges. We escalated to the fraud dept. and talked to someone to explain the whole situation again. They said they would investigate. We called XXXX again to remove the fraudulent addresses and phone numbers and tell them what was happening. A few days later we got the CapOne statement and it showed multiple credit cards opened under one account and showed another person 's name on the bill. It showed thousands of dollars charged in Georgia and California. Not once had CapOne called us to ask if these charges were us, or if we had moved out of state or gone on vacation like most cc companies do when there are suspicious charges. We called CapOne to tell them about all the out of state charges and the unrecognized person 's name on the bill and they said that person must have my license and social and there's nothing CapOne can do to help, that we are responsible. We also got a letter from Cap One saying we or another user benefited from these transactions so we owe them. The letter also states that I opened these fraudulent accounts and interacted with this account which is patently untrue. If they just listen to the recordings they will hear this. The unrecognized name that shows up on the bill is a man names XXXX XXXX in GA who is in jail. CapOne has been wholly unhelpful and mostly uncooperative. We asked why there was XXXX XXXX in charges when the limit was XXXX XXXXXXXX for XXXX years and CapOne had no answer. This was gross neglect on their part on many levels.
Consumer complaint received 2022-12-05
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. (GA)

I demand this company XXXX XXXX XXXX to cease all communications, and they act as though they're above the law, This is Defamation of character according to 28 cfr 4101 ( 1 ) false and misleading practices 15 usc 1692 ( g ) you never provided me with proof of where the credit came from, also forward flow agreement, uninformed use credit 15 usc 1692 ( g )
Consumer complaint received 2023-06-09
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: LJ Ross Associates (MI)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX XXXX XXXX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX XXXX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2023-09-13
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Real Time Group, Inc. (CA)

As per RTR 's response of CFPB Complain # XXXX on XX/XX/2023, RTR will be emailing nearly 100 letters to theconsumer later today.As of today XX/XX/2023 RTR has once again fail to provide documents requested and promised by RTR. RTRs failure to produce documents request is a clear violation of 12 C.F.R. 1026.41, violation of California 's Unfair Competition Law ( UCL ) ; violation of Cal. Civ. Code 2923.55 ; and violation of California 's Rosenthal Fair Debt Collection Practices Act ( RFDCPA ).
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: R.M. Galicia, Inc. (IL)

XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX Subject : Formal Complaint Against Progressive Management Systems Dear Sir/Madam , I am contacting you to dispute a debt in collection and to file an official complaint against Progressive Management Systems , citing potential breaches of federal regulations related to debt collection. 

Debtor Information : Name : XXXX XXXX XXXX. 
Date of Birth : XX/XX/1978 Last XXXX of XXXX : XXXX Company Details : Progressive Management Systems ( Known as XXXX XXXX  ) XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX CA XXXX Outlined below are my specific concerns : Debt Validation : I am requesting comprehensive evidence and associated documentation that substantiates the debt they claim I owe. This should include the original creditor 's details, a detailed debt breakdown, and any agreements authorizing Progressive Management Systems to collect this debt. 
Potential FDCPA Violations ( 15 U.S.C. 1692k ) : I believe some actions and communications from Progressive Management Systems may contravene the Fair Debt Collection Practices Act. I urge the CFPB to thoroughly assess these potential infringements and ensure my rights under the FDCPA are not being compromised.

Concerns Under the Fair Credit Reporting Act : I have noticed potential inconsistencies in how this debt is reported on my credit profile. Given the rights and protections under 15 U.S.C. 1681n and 1681o of the FCRA, I seek a rigorous review to determine any possible violations regarding the accuracy and fairness of such reporting.

Communication Preferences : For clarity and effective record-keeping, I request that all subsequent communications from Progressive Management Systems be in writing. I hereby revoke any permission, if provided earlier, for the company to contact me via phone or other electronic means.

Given the potential ramifications on my credit standing and overall financial health, I appeal to the CFPB to prioritize this matter. I am seeking your intervention and guidance to ensure my rights are safeguarded and that any breaches by the company are rectified appropriately.

I appreciate your commitment to protecting consumers and look forward to your guidance on the next steps. 

Warm regards, XXXX XXXX XXXX.
Consumer complaint received 2024-03-28
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: EQUIFAX, INC. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
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. (GA)

remove all negative accts and update as paid and agreed remove all XXXX addresses and all names except ( XXXX XXXX ) from report. non mailable addresses remove all names student loans should not be violating my privacy rights and posting transactional history on my consumer credit report family educational rights and privacy act 15 usc 1681 15 usc 6802 pursuant to the Privacy act of 1974
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My life has completely stopped because not only did boa lock my account over XXXX that.was blocked by them but my balance is getting lower with me not having access since XX/XX/2023 I'm not understanding this I updated my new phone number which was the original reason why they say they couldn't access my information, now their saying I need to go into a bank which I've done twice and the tellers know me wouldn't help me without an ID when they have in the past, this is what the millionaire CEO 'S has done to a XXXX old man on social security, locked me out of my account for XXXX in the past they contacted the business that did this before and got my money back, not this time because there was nothing taken, it is very obvious what their doing, those hundreds of thousands they were ordered to pay back will be coming from Bank of America skimming the remaining clients money, this is as clear to me as the sun in the sky, you time to the right thing has dried up it's now time for someone that has the XXXX save their money or their XXXX, I can't get important information of a lost phone for a aggressive stalking case because the company needs money, I can't connect my connectivity internet fre by the government because it's XXXX to activate, not that I could because my fourty $ has dropped to XXXX and that may be gone by now, I can't get to my very first appointment with a XXXX  to evaluate me with XXXX  to get the proper medication, I promise you boa the XXXX of banking I'm keeping exact note on every day of the XXXX, both physical and mostly mental YOU will be paying for every single day I drink this XXXX out of my system because if not I will sit in my apartment and cry every day
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

through PayPal i was meant to receive a {$150.00} payment. the sender claimed to have sent that amount. instead they said they needed to send XXXX more in order to for me to claim the {$150.00}, but once they did i would need to refund them the {$300.00}. i did so, after they said i needed to send it in two payments of XXXX which i did. but then they claimed to have {$500.00} more taken from them. i then realized it was a scam.
Consumer complaint received 2024-03-28
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NE)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (KY)

XX/XX/XXXX - my account was closed due to a deposit account agreement I called and ask what I needed to re open my account .they ask for documents like my id and social security number I provided them With it. 

XX/XX/XXXX - I called again to see if they had received the documents they said they did and still received the same email that my account was closed, so again I provided them with the documents was told to wait 24 hours for my account to be resolved. 

XX/XX/XXXX- waited the 24 hours to call again, and again was told that my account was being looked at and that it will be resolved in 24 hours. 

XX/XX/XXXX -I call again to see if anything was resolved they would tell me that they have to send my account was sent to other crew member to get resolved and again was told that they had everything to get it re opened.

Now theyre telling me that I have to wait for 30 days until I get my money back my concern is that in that account I have all my money now Im sitting with XXXX  kids and no access to my own money
Consumer complaint received 2018-05-02
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. (ME)

I keep getting my father 's credit report -- he passed away last XXXX -- we had the same name -- I sent them a letter with a copy of his death certificate and asked them to straighten this out -- it appears they won't do anything without my ss # -- I'm not comfortable giving that out especially to a company that is so inadequate -- also I have tried by phone to get this taken care, I get nothing but the runaround
Consumer complaint received 2023-05-25
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MN)

I have received several notices from XXXX XXXX  XXXX regarding accounts I supposedly owe money to. They have garnished my wages and wiped out my bank accounts. The accounts are joint but they wipe out my husband 's social security money that is deposited there too. I send them proof of what funds are not my earnings and they say they never received that. My wages are garnished. They say the debt belongs to Midland Funding, LLC and I have to call them regarding what the debt is for. Midland says I have to get the information from XXXX. They say I was served papers. I never was. I don't know if my identity has been stolen or what but this is crazy.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$23.00} XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX  ( Original XXXX : XXXX XXXX  ) XXXX Balance : {$550.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 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  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CHAMPION FOR XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK DEAL XX/XX/XXXX REGIONALAC XX/XX/XXXX THE XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX REGIONS BANK XX/XX/XXXX EXETER FIN XX/XX/XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Zions Debt Holdings (MN)

A Company by the name of Zions Debt Holdings is claiming I owe them money from a XXXX XXXX account collection that I have never in my life had. XXXX a couple years ago posted this same false information to the credit bureaus which hurt my credit in which I disputed it with them and the credit bureaus to have it removed as it was not ever purchased by me. They did remove it as it was an error and now a couple years later this Zions Debt Holdings is claiming that they bought the debt and trying to collect money from me. Again, I've never had XXXX XXXX and this contract that Zions Debt Holdings has was done so in identity theft and doesn't belong to me. I've had XXXX XXXXXXXX XXXX  my home since moving in and that is and has always been in good standings. I ask that this collections account be removed from my credit report and fully cleared from my name as someone clearly used my name and address to get a contract for security only to cancel it shortly there after. Thanks much.