davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-01
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: SYNCHRONY FINANCIAL (CA)

My identity was stlen and someone had tried to open up cards and pull unauthorized hard inquiries with my credit. 
XXXX 1.XXXX XXXX 2 XXXX XXXX XXXX 3.XXXX XXXX XXXX   XXXX XXXX 4.Syncb/Walmart XXXX XXXX 1.XXXX XXXX, XXXX and XXXX
Consumer complaint received 2020-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ERC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ERC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1987 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

The amount is wrong, and is for more than 1 account. I have recorded communication they refuse to give me copies or speak to me about the debt on more than one occasion. They refused to let me set up automatic billing. Then when I found out I could have ut covered by another insurance if they email me the original bills they refused to send me and the insurance the original bills copies. Also the original debt wasn't billed properly it was billed to XXXX XXXX XXXX not XXXX XXXX XXXX. Per original debtor in the XXXX XXXX XXXX case because im friends with the dr I was billed for seeing. I never did see a dr . I was only in triage and seen a PA and nothing was ordered, I was given a shot and meds. No extras or tests. So bill is also to high for that visit. So, I want to see it. But, the refuse to cooperate. And for over a year wouldn't talk to me and are charging me late fees.
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed these items with them repeatedly. Yet the items remain on my report despite my efforts. Should they continue to remain incorrect or on there in spite of their expiration per the Fair Credit Act I will not hesitate to contact legal counsel for further assistance. 

1. invalid and incorrect addresses. XXXX was closed in XX/XX/2020, the XXXX XXXX address is duplicated and incorrect. 

2. XXXX  info is incorrect and if it can't be correct should be removed. It conflicts with another reporting agency.

3. expired account that should've been removed. I've requested this be done numerous times yet it still remains on my credit more than 10 years later.
Consumer complaint received 2020-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-12-27
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: Experian Information Solutions Inc. (CA)

I sent Experian 4 letters to investigate inquiries on my credit report. They did not contact me after 30 days and I sent letters after this and still they did not investigate. They need to delete these inquiries as they are ignoring this matter and have failed to reply to investigate this. I am attaching the certified letters sent to Experian. My next step will be to sue them. These are the inquiries : 1. US SM BUS ADMIN ODA XX/XX/2020 2. XXXX XXXX XXXX  XXXX. XX/XX/2020 3. US SM BUS ADMIN ODA XX/XX/2020 4. XXXX XXXX XX/XX/2020 5. XXXX XX/XX/2020 6. XXXX XXXX XXXX XX/XX/2020 7. XXXX XXXX XX/XX/2020
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

I have been trying on multiple occasions to receive my pin for my credit freeze requested through SageStream since XX/XX/XXXX. I originally requested through the website electronically and after waiting some weeks, I then requested a freeze via fax on XX/XX/XXXX. It is now XX/XX/XXXX an I have still yet to receive my pin. SageStream does not answer calls nor do they call back after leaving multiple messages on their answering service. There is no live person to speak with regarding this matter. This issue is severely affecting my ability to proceed with my credit.
Consumer complaint received 2020-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Access Credit Management, Inc. (AR)

On XX/XX/2020 I paid off a deby of {$110.00} to Access Credit Management in XXXX XXXX, Arkansas. They did not apply to the account but another account which is incorrect. I have disputed with the XXXX who verified the debt as accurate. This debt is continuing to negatively impact my credit.
Consumer complaint received 2020-12-28
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: CITIZENS FINANCIAL GROUP, INC. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2017-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank/XXXX XXXX XXXX -My problem is I was charged late fee on XX/XX/XXXX.
-I submitted my online payment on XX/XX/XXXXbefore XXXX ( est ), but was not able to select XX/XX/XXXXas my payment date so I selectedXX/XX/XXXXand figure I work it out with customer service. Called customer service at XXXX ( est ) onXX/XX/XXXX XXXX XXXX XXXX  had no confirmation nor could they acknowledge I even made a payment. I waited to see it payment would debit my account and it never did. I made another online payment but this time it was for XXXX. - I emailed and filed dispute. XXXX XXXX XXXX closed dispute since I could n't produce evidence that a payment was made ( evidence from my bank ) I submitted an online payment BEFORE XXXX on XX/XX/XXXX. I was not allowed to pay on XX/XX/XXXX and was forced to make payment on XX/XX/XXXX. Payment was never made due to some technical issue on XXXX XXXX XXXX side. I made my payment on-line and on time. I would like XXXX XXXX XXXX to reimburse my late fee of XXXX I have the email confirmation fromm XXXX XXXX XXXX.
Consumer complaint received 2020-12-28
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: EQUIFAX, INC. (TN)

I have sent several letters of dispute to the credit reporting agency. In each letter Ive asked the agency to investigate the account and to send me whatever documentation along with any information showing who they verified the account with. I never received anything. They just sent me a credit report stating that I, the consumer disputes the account. Obviously no investigation was done. 
The account listed is XXXX credit card. I have never had a credit card with XXXX and I would like it removed. 
I also sent a letter to the creditor and got no response.
Consumer complaint received 2023-06-12
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: Absolute Resolutions Corp. (CA)

I have a fraudulent account on my credit report, which I reported to ABSOLUTE RESOLUTIONS, yet ABSOLUTE RESOLUTIONS is not removing this fraudulent account. ABSOLUTE RESOLUTIONS has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet ABSOLUTE RESOLUTIONS has refused to do this. The following is the fraudulent account : ABSOLUTE RESOLUTIONS/ XXXX which was opened at an address where I have never lived at and it has nothing to do with me.
Consumer complaint received 2020-06-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I have submitted 2 disputes to this company on or around XX/XX/20, and XX/XX/20. XX/XX/20 results came back that the company verified the information was correct with XXXX and or US Bankruptcy Court of Florida. XXXX I resubmitted a dispute letter with proof that the verification didn't actually take place as you would see in the attach documents. There is a security freeze on XXXX which has verified no information has been giving out, and US Bankruptcy Court of Florida has disclosed they do not report or verify to any credit reporting agency.
Consumer complaint received 2020-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SECURITY FINANCE CORP (GA)

I secured a loan form security finance XXXX XXXX 2020 ). The loan was for {$800.00}. They took {$200.00} from the principal so therefore I only received {$600.00}. Security Finance is violating the usury laws of my state of Georgia with higher interest rates than allowed and {$200.00} fee charged to me from the principal. Ive been paying on the loan and the principal is still {$600.00}.
Consumer complaint received 2020-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc. (TX)

XXXX XXXX or XXXX had promotion marketing at local XXXX to provide internet, phone ( voip ) & TV services. Based on the offer I signed up XX/XX/XXXX or XX/XX/XXXX that started the service and this service interrupted within 2 days after trying to get support from XX/XX/XXXX or XX/XX/XXXXso we requested disconnection of this service as are allowed to do so within 30 days. XXXX XXXX or XXXX still sent our account to collection with the amount and collection company details below. 

Amsher Collection Services / XXXX XXXX Amount {$340.00} / Account # XXXX / Collection opened XX/XX/2019 / XX/XX/XXXX credit report. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX / ( XXXX ) XXXX
Consumer complaint received 2020-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

To whom this may concern according to the Fair Credit Reporting Act ... ..15 U.S. Code 1681c - Requirements relating to information contained in consumer reports It states below that .... 


( a ) Information excluded from consumer reports ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

On my Experian.com consumer report it states. 

Experian  ... ... XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) Experian  ... ..XXXX XXXX  XXXX  XXXX XXXX ... . ( Date Opened ) ( XX/XX/XXXX ) Experian ... ..XXXX XXXXXXXX XXXX  ... .. ( Date Opened ) ( XX/XX/XXXX ) Experian ... ..XXXX  XXXX  XXXX  ( Date Opened ) ( XX/XX/XXXX ) Experian ... ..XXXX  XXXX  XXXX  ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX  XXXX XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX XXXX XXXX XXXX XXXX ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... ..XXXX XXXX XXXX ... .. ( Date Opened ) ( XX/XX/XXXX ) XXXX  ... XXXX XXXXXXXX XXXX ... .. ( Date Opened ) ( XX/XX/XXXX ) 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. 

Sincerely, XXXX
Consumer complaint received 2020-03-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIRST HERITAGE CREDIT LLC (TN)

I have been harassed on a daily bases by this person named XXXX XXXX. I have told him on 4 different phone calls that I was working with a Debt Settlement Program and to stop calling me. He informed me that his company does not work with Debt Settlement company 's and that he can continue to call me. He has threatened me saying that there is going to be a problem if I don't pay. He continues to make this personal and I am feeling like I am being threatened.I have to add that I have only missed 1 payment.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with The Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent. Under 15 USC 1666b a creditor may not treat a payment on a account under a open end consumer plan late on any purpose
Consumer complaint received 2022-02-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (GA)

Hello : I received a very manipulative/ deceptive letter in the mail from Intercontinental Capital Group , Inc. , that I believe is a home equity scam and could easily make homeowners lose their home, which would always be terrible but is particularly bad in a housing market like XXXX XXXX, where there's a dire shortage of housing. According to the XXXX XXXX and XXXX, about one-third of the homes sold in the region nowadays are being purchased by investors, and among metro areas, XXXX now ranks number one in the percentage of houses sold to investors. 

I'd hate for any of my neighbors to lose their home in a scam like this. Thank you! I'm attaching the deceptive letter that came in the mail.
Consumer complaint received 2020-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, via the ATM deosit I deposited a check into my business account at Wells Fargo on a check drawn on XXXX XXXX XXXX XXXX written on the account of my customer. The check was for {$1700.00} and when deposited Wells Fargo did not make any funds available to me. On Wednesday I was told by my customer the check was paid but Wells Fargo refuseS to deposit the funds into my account. Wells Fargo claimed that the bank on which the check was written, XXXX XXXX, informed them that there were irregularities on the XXXX XXXX Account the check was written on. I confronted the representatives and had the call escalated to their Customer Advocacy Group who did nothing. 

Our customer was able to confirm with XXXX XXXX the the check was paid by XXXX XXXX and Wells Fargo refused to deposit the funds into my account claiming that they were no making the funds available to me until XX/XX/XXXX. I called the executive offices and the call kept dropping until final they refused to make my funds available to me using false claims in an attempt to hold onto my funds longer making it clear that they are floating and using customers funds instead of making the funds available to the customers. My account is still showing a negative despite the fact the funds on the check I deposited was paid.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, my checking account was low on funds and I had a {$2000.00} mortgage payment being automatically withdrawn from my account on XX/XX/XXXX. I get paid on the XXXX, so i went to my credit union, SAFE, and I got a cashiers check of {$2500.00} to cover the mortgage payment. Running short of time, I used my banking mobile app to deposit the Cashier 's Check and completed the {$2500.00} deposit on the XXXX of XXXX. 
Today, I tried to use my ATM card and it was rejected. Slightly embarrased, I was confused because when I deposited the check it said it would be available the next day, which was the XXXX. Subsequently, today in my account it said, " Deposit Hold {$2500.00} Total amount delayed, available XX/XX/07 at XXXX XXXX PT ''. The funds had been removed from my account and held without compensation. This was a Cashiers Check I deposited which is guaranteed funds on the bank it was drawn on. There is no logical reason, or policy to put a hold on guaranteed funds. More importantly, when I called Bank of America Customer Service to discuss this and see if there was anyway to release the Cashier 's Check, they said no policy would allow anyone to release the funds. My money was being held hostage for 8 days. In addition, the Customer Service Rep let me know their was " Confidential '' note on my account, but he could not access it. This reeks of abusive banking practices, retaliation for my previous complaint and the hold on the check is completely unjustified and, I assume, illegal, but I digress. I was also assessed a {$35.00} overdraft fee for my rejected mortgage payment. When I received my pay check today, I was so traumatized by a cashiers check being put on hold that I went to my credit union to deposit it and withdrew {$2500.00} cash so I could cover the money that the Bank of America has illegally removed from my account. I did trust B of A to deposit my check there and I won't anymore. How can they take money from innocent people and sit on it for 8 days. In addition they make money on it. It is just plain piracy.