davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IL)

I opened a Sam 's Club Mastercard. The card was issued by Synchrony Bank and it is financed by Synchrony Financial. On XX/XX/2021 I received an email notifying me that I have a {$25.00} statement and payment is due XX/XX/2021. A week later, I received the statement in the mail. This statement that I received is a deceptive form and this alleged debt that they say I owe is false. I, as a consumer, do not owe any debt. The alleged debt is in a positive balance. I can not pay something on a positive balance. It is also deceptive because they are saying I have to send payment to them when in fact they are suppose to send payment to me. I am the original creditor and I am the one who originally extended credit to Synchrony Bank. Pursuant to federal law, I am not suppose to be making any payments to them. I have notified Synchrony Bank of this through certified mail and green return receipt ( I don't believe I will receive the green return receipt because the documents were sent to a po box ). I sent them an Affidavit of Truth along with the exhibits of individual actions that they have committed towards me. After I received that statement I still continued to use the card and I have not made any payments to Synchrony Bank. They have added on a interest fee and a late fee to the total outstanding balance.
Consumer complaint received 2021-10-27
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc. (NV)

I sent a debt validation letter to MEDICAL DATA SYSTEMS INC two times once on XX/XX/2021 and again on XX/XX/2021 regarding the debt they claim I owe to XXXX XXXX XXXXXXXX XXXX XXXX in the amount of {$3100.00} on the account XXXX and each time the company has failed to validate the debt. Instead, they sent a list of my medical records to me which is a direct violation of my rights under HIPPA regulations. I never signed a HIPPA release form authorizing them to have access to my medical records information. I demand that this information be deleted from my credit file and cease all collections activities immediately.
Consumer complaint received 2020-12-30
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 recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2021-10-27
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. (GA)

I am the consumer in fact, a natural person and a federally protected consumer under title 15 chapter 41. This complaint is a result of unfair & deceptive practices that harmed me, a consumer privacy, defamation of my character & reputation. 

I have sent a letter to TRANSUNION LLC on XX/XX/XXXX demanding that those inquiries ( transactions ) to be removed from my consumer report based on 15 USC 1681a ( 2 ) ( b ).

Those inquiries were not removed. 

I the consumer and the card holder didnt not benefit from the extension of credit to the financial institutions below that resulted in adverse action. 1681a ( K ) I didnt benefit from the extension of credit and didnt give any explicit authorization and written instruction for it to be furnished on my consumer credit report. This is a clear violation of my privacy and defamation of my reputation. 

The above are clearly FCRA violations of my federally protected consumer rights and therefore all the disputed inquiries should be removed from my report immediately. 

Disputed inquiries to be removed immediately : XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2019-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pollack & Rosen, P.A. (FL)

XX/XX/XXXX : It was brought to my attention that my phone number had been ported and thieves had gained access to all of my financial accounts, including XXXX XXXX. 

XX/XX/XXXX : I filed a police report with the XXXX County Sheriff 's Office regarding the theft and reported all debt as fraudulent to the various financial institutions, including XXXX XXXX. 

~1 Month later : All banks cleared the debt, issued new cards, etc EXCEPT XXXX XXXX. Several follow up calls later and they still would not resolve this issue in my favor. 

XX/XX/XXXX : XXXX XXXX sent the debt to collections and I was contacted by a collections agency for {$2700.00}. This debt is NOT MINE and was from purchases at XXXX in a different part of the state. I called this agency ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and the rep advised they would send the file to compliance when I advised them of the situation. 

XX/XX/XXXX : I received another letter from the agency that they are seeking legal action against me. I called and this time they requested the police report so they could send it to fraud. I submitted this information. 

XX/XX/XXXX : I received another letter saying they had contacted XXXX XXXX and they have verified the debt as legitimate. 


XXXX XXXX is not behaving in my best interest as a verified victim of identity theft. This issue should be resolved in my favor and has caused significant heartache on my behalf.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, 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 2021-01-11
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. (CA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XX/XX/XXXXadd a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2020-12-30
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. (TX)

I have a collection showing on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX. This is not my debt, and I requested validation of the debt repeatedly from the credit bureaus, but have received no validation, or even confirmation of an investigation. I also requested validation directly from XXXX by certified mail. They received that letter at XXXX XXXX on XX/XX/XXXX, and I still have not received any sort of response from this company. I also tried speaking XXXX resolve this issue, and they told me that the address where the service was provided was XXXX XXXX XXXX XXXX, XXXX OR XXXX. I have never lived at that address, and in XXXX my address was XXXX XXXX XXXX XXXX XXXX OR XXXX. This is not my debt, and the bureaus should not be showing it on my credit report.
Consumer complaint received 2021-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fair Capital (NJ)

To : whom it may concern I was seeing a XXXX for my car incident. My lawyer informed everyone was paid for their services. However years later Im receiving phone from a collection agency stating I owe money. I don't owe any money. I do not want this collection to go on my credit. 

XXXX XXXX
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2021, I disputed an unauthorized charge of {$1100.00}, prior to this charge my card balance was $ XXXX.with a {$750.00} limit and my credit score was XXXX The very next day on XX/XX/21, XXXX XXXX through XXXX XXXX XXXX wrongly reported my card balance at {$1400.00}, placing me over the limit a few days later my credit score dropped to XXXX. What is also suspicious to note. This account is always reported on the XX/XX/XXXX of each month, why would XXXX XXXX report almost 2 weeks early? 

I contacted XXXX on XX/XX/21 and was told the {$1100.00} unauthorized charge is still being investigated and no one could answer why it was reported to the credit bureaus and why reported early. 

This is a reckless violation of the FCBA, the FCRA and numerous State of Michigan consumer protection laws. Further, I believe XXXX deliberately reported the inaccurate balance I applied for a PPP loan through the Relief bill for {$170000.00} to save XXXX XXXX XXXX and received a call today that I was denied in large part due to the most recent negative furnishing. The loan officer said I needed a score above XXXX and the over limit that was recently reported was significant. I will now likely have to dissolve that XXXX.
Consumer complaint received 2020-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MD)

On XX/XX/2020 the balance of the debt was paid in full. As of XX/XX/2020 I called the institution with an attempt to update my credit report and have the collections removed from my credit profile, but the very polite customer service agent made me aware that this type of issue is beyond her scope of business. As a result, I am now asking that the account be removed from my credit profile
Consumer complaint received 2021-10-26
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. (TX)

On XX/XX/2021, I sent a letter regarding several unknown and inaccurate items listed on my credit report. More than 60 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 67 days since my request was made and to date, no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.
Consumer complaint received 2024-02-27
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024 XXXX
Consumer complaint received 2021-10-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC (UT)

This caller is from LOAN Me, predatorily traces phone numbers to supposed family members or supposed relatives in order to find information about someone. Calls numbers many times a week and when blocked, still tries to repeatedly leave many voicemails. There is currently no way to block voicemails with my carrier and they disrupt my careful attention to important work calls and voicemails.
Consumer complaint received 2021-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (SC)

This account with National Creditor Adjusters have been settled for years and should be deleted. It is reported to XXXX as closed but XXXX and XXXX as open. I have sent an initial dispute and then a reinvestigation to the bureaus to get this updated and I have had no success. I have called NCA some time ago and then recently again mid XXXX and they have confirmed that this account is indeed closed and that it is the credit bureaus that has the error but I do not believe this to be true.
Consumer complaint received 2021-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reported fraudulent charges on my BofA account ( {$8700.00}, approx ) was stolen. The Claim # XXXX. 
The bank sends me a new card, but it doesnt work. So I call BofA, and they say my account is suspended and I can not even access the money that was not stolen ( {$7800.00} )!!! They wont tell me how long. And tell me to call a number that no one answers to help. Ive waited. I am on XXXX and in XXXX XXXX. If they dont release my money that wasnt stolen, I can not pay insurance, rent or get my medicine. I have NO MONEY! Please help! I dont know where to go. 
Sincerest regards, XXXX
Consumer complaint received 2020-12-30
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. (CA)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX  do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!
Consumer complaint received 2021-10-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (OH)

On XX/XX/21 I applied for a debt consolidation loan. I was contacted by a company that I believed was legit, I gave them my information. The company is named XXXX XXXX and I come to find out there not a real company. There is now constant withdrawals and deposits on my bank account which I have nothing to do with.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TN)

Chime blocked my account 5 days ago. Asked me to email all my verification and that in 24 hours I would have access. Its been 5 days. They are withholding ALL of my money. Im having to borrow money to get back and forth to work while they hold my thousands of dollars!!
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (MD)

On XX/XX/2021, I sent a letter regarding unknown and inaccurate items listed on my credit report. To date more than 120 days have past without a response and I feel that my request has been ignored. in Section 611 ( a ) of the FCRA, it clearly states that failure to investigate these items in 30-days requires them to delete the disputed items immediately. It has been a total of 120 days or more since my last request and no response. These items should be promptly deleted from my credit report. My information had been involved in the Equifax data breech and is most likely in the hands of the wrong people.
Consumer complaint received 2021-10-26
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. (GA)

I contacted Trasn union and XXXX  and XXXX regarding some charge offs and Bankruptcy on my credit report on XXXX. XXXX, and to this date XX/XX/XXXX, i have NOT RECEIVED ANY REPORTS OR ANSWERS TO MY DISPUTES. The 2 bureaus have not responded at all. this is a violation of the FCRA. XXXX is the only one who removed the inaccurate information. the reporting of this is also untrue. 
the date of last activity, date of last payment and payment is all wrong Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (NJ)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2021-10-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC. (CA)

When I opened an account with Robinhood there was no requirement for two factor authorization. After few months I tried to access my account there is a requirement for the XXXX. In the meanwhile I have changed my phone number. I have sent an email to Robinhood but they are asking for a photo holding the ID with ton of other requirements. 
I wear a veil and will not be able to sen them a picture. There is no customer service phone number to resolve the issue and there is no location to go. It is frustrating, I would like them to close the account and send me any balance to my residential address on file. Not sure why is it so difficult. 

Ticket # : XXXX