davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-24
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Consumer complaint received 2020-12-24
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$3000.00}, {$14000.00}, {$2600.00}, {$12000.00}, {$10000.00}, {$6000.00}, {$5900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account.
Consumer complaint received 2020-12-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Consumer complaint received 2020-12-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Receivables Group, Inc. (NC)

This collection company, Health Care Receivables group, have been attempting to collect a debt in the amount of {$3100.00} which has also been placed on my credit report. I do not have a contract with this company nor have I received any services from this company for the company to allege that I owe them this debt. I have requested validation of this debt, however this company have failed to provide proof of services they have rendered to me. I have tried to resolve this issue before and requested to have this debt removed from any and all credit reporting companies, however, the company responded with incorrect information. The company responded with inaccurate information which in addition, is also why the debt need to be removed from my credit report. The company responded that I had only made 3 payments to account, this information is incorrect, ive made payments from XX/XX/XXXX up until XX/XX/XXXX which is when the collection took place which account should have never been a collection. Next incorrect information is the balance of the debt. The high balance shows {$3300.00} and another {$3200.00}. The debt can not have 2 different balances.
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

On XX/XX/2020, I went to the HSBC bank branch located at XXXX XXXX XXXX, XXXX, VA XXXX to close an old checking account I had at HSBC. The account contained {$1700.00} and had been at that balance for over a year. I asked the representative at the branch if I could withdraw the money and close the account. He said yes, withdrew the money, provided a receipt of the transaction showing an ending balance of {$0.00}, and told me the account was closed. I left the branch and deposited the money in another bank. 

Recently I received a letter in the mail addressed from HSBC stating : " Subject : HSBC Bank USA, XXXX. 
Account Number Ending In : **** Amount Due : {$15.00} Dear Customer, We would like to thank you for being a valued HSBC customer and we hope you are enjoying all the services and benefits. 
We recently notified you regarding the overdraft of your HSBC checking account. Please deposit the amount above to cover the overdraft as soon as possible. 
This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. '' Evidently they have made an error while closing the account and never did so, then charged me an overdraft and/or low balance fee on the account which they said was closed. I even specifically asked at the branch if the withdrawal could be made, and the account closed, without triggering any of these fees, and their representative stated that it could. So now HSBC has made a mistake closing an account I no longer have, erroneously charged me fees, and sent me harassing letters about a nonexistent debt which I do not owe.
Consumer complaint received 2020-12-24
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. (CA)

XXXX is reporting 1 inquiry from a company XXXX ON XXXX I have no knowledge of this inquiry and never ran my credit or applied for credit with this company.

TransUnion is reporting 1 inquiry from XXXX XXXX  reported on XXXX also I have no knowledge of this inquiry or applied for credit with this company. 

I disputed this information with these companies and neither company provided me with proof. Just verified the information
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (CA)

I started a dispute via PayPal for an XXXX purchase. Paypal told me that they would refund my money as soon as returned the item. I returned the item provided PayPal with evidence of return via XXXX tracking and a picture of the package with the tracking number and return address. Paypal is denying my refund saying I did n't return the item even though they have pictures of the return.
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

Last Month I file a complaint against Ally - CFPB Number : XXXX XXXX who is the XXXX Customer Relations of Ally Bank stated In Ally Bank response and I quote " We have asked the credit reporting agencies note your account information as being disputed. But on XXXX Ally Bank reported another missed payment. This is deceptive and unfair tactic from Ally Bank! As of right now I am currently in litigation against Ally Bank. Ally Bank shouldn't be reporting nothing until our dispute is settle in court! On XXXX I file for a " Notice of Removal " and mail the copies to their lawyer and Ally Bank the next day " XXXX.
Consumer complaint received 2020-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is not a duplicate case. I am submitting this request as I have garnered additional information from both XXXX XXXX and Experian which further proves that they are inaccurately reporting the status of a closed/charged off credit card account to Experian. It also appears that XXXX XXXX has chosen not to correct the action, which comes as surprising as the information is black and white. 

The account is being reported to Experian as past due in the last 60 days, however, the account was settled for the full amount in XX/XX/XXXX ( 90 days ago ). 

Furthermore, I have been in contact with XXXX XXXX and the representative confirmed that the account is being listed as past due, however, she can not modify the account due to it being closed. 

I have since been in contact with Experian and they were able to confirm that the dates of the " late payments '' date back to XXXX and earlier ( five years ago ). 

As you can see this is a discrepency as the account was listed as late within the last 60 days ( XX/XX/XXXX ), even though the late payments are from XXXX and the account was closed out 60 days ago. 

In XXXX I established an arrangement with an attorney to settle the account in payments, making my last payment early, on XX/XX/XXXX. The attorneys office stated the account would close completely in XX/XX/XXXX, 30 days after the payment has posted to their account. 

Since making the payment arrangement with the attorney I have consistently made on time payments, even paying more than the minumum amount most months. 

I need confirmation from XXXX XXXX directly, as to which payments ( month/day/year of the late payments in question ) XXXX XXXX is reporting as late within the last 60 days to Experian. Additionally, if the late payments were not within the last 60 days ( which they are not because the account has been paid off for 90 days and closed for 60 days ), I need that late status removed from my credit report, as it is inaccurate. 

I am looking to have this resolved within the next 30 days or I will be seeking legal counsel for this matter, as it has been prolonged for long enough.
Consumer complaint received 2020-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MS)

Reference complaint : XXXX In the company response, they state that the move out inspection was completed in XXXX so I still owed the balance. I am submitting proof that the move out inspection was completed in XXXX. The original creditor is lying. Remove this from my report. 

I have already submitted the requirements for SCRA. We stopped the lease when we got notification because the original report date was XXXX. We got them to push it back to XXXX to give us time to register our kids in school.
Consumer complaint received 2024-02-28
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. (FL)

I am writing to formally address a distressing matter that I recently uncovered upon reviewing my credit report. On XX/XX/XXXX, I diligently obtained a copy of my credit report from Experian, only to discover the presence of unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were conducted without my explicit knowledge or consent, and I have absolutely no association with the entities responsible for initiating them. As a conscientious consumer, I make it a priority to regularly monitor my credit report to ensure its accuracy and to safeguard my financial stability. 
I am hereby requesting the assistance of the Consumer Financial Protection Bureau in conducting a thorough investigation into this matter and subsequently rectifying it. I firmly believe that these unauthorized hard inquiries not only breach my privacy rights but also have the potential to adversely affect my credit score. 
More than 30 days ago, I filed a dispute with Experian regarding these unauthorized inquiries. However, to my dismay, I have yet to receive any confirmation or acknowledgment of the dispute 's processing. Despite providing evidence of the dispute letter sent via XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), no tangible progress has been made in resolving this issue. 
In light of the foregoing, I implore the Consumer Financial Protection Bureau to intervene and facilitate the prompt removal of these unauthorized inquiries from my credit report. It is imperative that this corrective action be taken to restore the accuracy of my credit information and to safeguard my financial standing. 
Thank you for your attention to this matter. I eagerly await your prompt response and resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I had an auto loan with XXXX XXXX. I have been timely with all my payments, for 4 years straight. In 2020, I had an accident that totaled the car out. My parent insurance company, XXXX XXXX, paid the larger portion of the remaining loan, about 85 %. My GAP insurance company paid about 10 %, and I had the remaining portion at about 5 %. My last communication from XXXX XXXX was a letter dated XXXX XXXX, 2020, just telling me that my different options for paying off the {$810.00} that was left. There was no timeframe for which I had to get it paid, nor any threat or communication at all regarding reporting it to my credit as a closed account within 90 days. I had purchased a new car in XX/XX/2020, so I had a new car payment. Given the new car purchase, I was not able to make 2 car note payments, so I was trying to figure my finances out. I expected for XXXX XXXX to contact me with a bill, as they have done monthly for 4 years. They never contacted me again, and then all of a sudden, XXXX XXXX, 2020, they reported to the credit bureau that the account was closed, as if I refused to pay it! I was informed by my credit monitoring service on XXXX XXXX, 2020, which was a Saturday. I immediately called but they were closed. I called first thing Monday morning, and asked about options to reverse what they had reported on my credit. They refused to change it, and offered me a settlement. I immediately paid {$480.00} of the {$810.00}, and they accepted payment and told me to dispute the credit report. I filed disputes with all 3 credit bureaus, and as a result, XXXX XXXX is now showing I paid a settlement, but that they charged off over {$2000.00}! This has caused my credit score to be lowered by 75 points! XXXX XXXX  did not give me the notice that this would adversely impact my credit within 90 days, and did not give me the opportunity to pay the account before choosing to publish this on my credit report. I think that is an unfair business practice, especially after I have made on time payments to them for over 4 years. Nothing in my payment history suggested that I would not pay the remaining portion of this bill.
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MA)

My Chase account was closed on XX/XX/, and I called them, they said they could give me my money back within 10 days. But I still have not received my money. My statements show my money is withdrawn by the Fraud Team and is under review. I did nothing related to fraud so why did it take such a long time to review my money and not return back to me? The amount of money is around XXXX. Now I have no money to pay bill, rent and tuition fee.
Consumer complaint received 2023-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (VA)

I contacted customer service to inquire about why my account is showing XXXX credit available despite making payments to bring it current. During my conversation with a woman named XXXX, she informed me that my account was closed on XX/XX/2023, due to missed payments. However, I never received any notification about my account being closed, even though I missed only one payment for XXXX. I made payments on XX/XX/XXXX and XX/XX/XXXX, but my available credit still shows XXXX. 

In my conversation with XXXX via chat, he mentioned that a notice regarding the account closure was sent to me by mail. However, I did not receive any letter, and I have also opted for paperless notifications. On the other hand, XXXX stated that no letter was sent, and it would take 7-10 business days for me to receive one. Instead, they were sending me text reminders for making payments, which is not the same as informing me about the account closure. 

I made payments on XX/XX/XXXX and XXXX, respectively. XXXX mentioned that these payments were applied to the XXXX billing cycle, but nothing was applied to the outstanding balances for XXXX and XXXX. Currently, my account shows an no payments due at this time, and the total of my recent payments. 

But theyve closed my account for non payment.
Consumer complaint received 2020-12-23
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: CAINE & WEINER COMPANY, INC. (OH)

On XXXX XXXX, 2020, CAINE & WEINER add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAINE & WEINER has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditech, Inc. (PA)

XX/XX/2019 i paid XXXX XXXX XXXX off. It immediately fell off of XXXX  and XXXX. 
Never fell off of experian. 
I call the debt collector 9 Months later and ask why its not off. They say i still neeed to pay it. So now they claim its being reported to all 3 agencies monthly. But the only agency that has any information on it is XXXX. 
Now i cant get ahold of experian. And the debt collectors just want me to pay. When i know i payed already. Now i have the creditor telling me one thing. And every credit report company out there Is telling me another. I will from now on make sure i keep all receipts of any payments i make
Consumer complaint received 2020-12-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MO)

I contacted Lowe 's through Syncrony bank which finances Lowe 's credit. I told the collector during the last week of XXXX that I would pay {$100.00} on the XXXX of XXXX. He wanted me to submit a phone check in that amount and I told him I would be paying through my bank 's bill pay on the XXXX in the amount of {$100.00}. So he said, so you are refusing to make payment arrangements. I stated I am giving you payment arrangements in the amount of {$100.00} on the XXXX, I am not doing a phone payment. He said, " We have your account number. '' I let him know I was aware of that but he was not to use it. On the XXXX of XXXX Lowe's/Syncrony debited my account for {$100.00}, overdrafting my account. My bank declined the charge. During the second week of XXXX I attempted to pay my payment via Lowe 's website. On the website they showed a minimum payment of {$230.00} and regardless of what I did on the website it showed that I was making a payment of that amount, which I can not afford. Lowe 's debited that amount from my account, the bank will not decline or reverse it and calling Lowe 's I can not speak to a live person. I had XXXX  in XXXX and XXXX and XXXX on XX/XX/XXXX. I am behind in my bills and trying to make arrangements. How is it legal to take money out of my account without my consent?