davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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: Experian Information Solutions Inc. (IN)

In accordance with the Fair Credit Reporting Act the listed accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-22
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: Bread Financial Holdings, Inc. (MO)

The alleged debt has been sold without my permission and without the production of a new contract. You willfully sold this alleged debt and I have no contract with the debt collector you sold the account too- this is fraudulent activity. 
18 USC 1028 ( a ) ( 2 ) states Whoever, in a circumstance described in subsection ( c ) of this sectionknowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority shall be punished as provided in subsection ( b ) of this section. The punishment for this offense could be a fine or imprisonment according to 18 USC 1028 ( b ) ( 1 ).

There is no way anyone should have my social security number or any identifiable information. You DID NOT have my permission. This is IDENTITY THEFT & against federal law.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I was a victim of a scam. A merchant named XXXX XXXX but advertising themselves as XXXX XXXX Customer Service illegally charged my credit card {$900.00} through a combination of fraud, false information and extortion for getting a refund on tickets cancelled by the airlines. A few days later I discovered I'd been lied to and the transaction itself was a violation of U.S. law. So, I contacted my credit card company ( USAA Federal Savings Bank ) informing them and asking them to do a chargeback. Over the past three months I sent USAA several letters with proof attached and spoke with them twice on the phone. I even sent them a letter I received from the real XXXX XXXX Customer Service stating XXXX XXXX  was not them. The letter further stated XXXX XXXX processed the refund and did not charge the {$900.00} and XXXX XXXX did not have the authority to process a refund and so had nothing to do with it. The only thing XXXX XXXX did was charge my credit card {$900.00} and did nothing more. However, USAA is refusing to reverse the charge saying XXXX XXXX declined their request and falsely stated we cancelled a different flight to cover themselves even though the flight itinerary number on the XXXX XXXX matches the flight itinerary number listed for the flight canceled by the airlines.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (IL)

On XX/XX/2022 there were two fraudulent checks withdrawn from my PNC bank account that has Low cash mode option to where the customer is able to return select checks. I was not given the option and checks were cleared by PNC. I contacted the customer service number on several occasions and filed complaint to resolve issue in XX/XX/2022 I was advised that they could not credit back account and return checks and did not receive a clear explanation as to why I was not given the option to return checks in low cash mode. I went to branch to complete two affidavits on XX/XX/XXXX. I was charged two overdraft fees totaling {$72.00}. I was advised on XX/XX/XXXX that I would receive a call back with 24 to 48 hours and no one has contacted me until today I received an email after I called and stated I was contacting to better business bureau. The email stated individual was trying to contact me after I advised I was contacting XXXX.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

I have multiple inaccuracies with The Ally Financial Account on my profile. 

The reporting of late payments after a repossession occurs is an error and is NOT FACTUAL. The Account that you are reporting is identified as a repossession yet, You have continued to report late payments with XXXX in XXXX of XXXX! Since the vehicle is no longer in my possession, It would be impossible for me to default on the payments after the fact! XXXX shows charged off while XXXX shows 120 days late in XX/XX/XXXX, then " OK '' In XX/XX/XXXX, Then " Charged off '' from XX/XX/XXXXXXXX  to XX/XX/XXXX, Then " OK '' From XX/XX/XXXXXXXX   til XX/XX/XXXX. 

XXXX XXXX XXXX are also showing the following inaccuracies : Last Reported : XXXX XX/XX/XXXXXXXX  XXXX XX/XX/XXXXXXXX  Comments : XXXX-Subscriber reports dispute resolved - consumer disagrees. 
Unpaid balance reported as a loss by the credit grantor. XXXXCharged off account Auto Date Last Active : XXXX XXXX XXXX Date of Last XXXX : XXXXXXXX  XXXXXXXX  The account that Ally Financial is reporting is identified as an " installment loan '' which is factually incorrect. The true account type for this account is a " credit sale agreement ''! I HAVE THE RIGHT TO AN ACCURATE CREDIT PROFILE AND DISCREPANCIES LIKE THIS IS UNACCEPTABLE. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT PROFILE. IF THIS ACCOUNT IS NOT REMOVED THEN I WILL BE CONTACTING MY FCRA ATTORNEY!
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

New Complaint against Select Portfolio Servicing. We have received a response from XXXX XXXX XXXX XXXX regarding our complaint file # XXXX. A DISPUTE has been filed, and since XXXX XXXX XXXX XXXX has no record of us, or our loan, as to any trust, or by which XXXX XXXX XXXX XXXX has a record for security investors, and XXXX XXXX XXXX XXXX forwards us to the servicer - Select Portfolio Servicing ( SPS ), we hereby file a new complaint against SPS. 
While XXXX XXXX XXXX XXXX claims to be a trustee to certain XXXX trusts, XXXX XXXX XXXX XXXX can not, and does not, state that our loan was in any trust to which they were a trustee. XXXX XXXX XXXX XXXX can not, and does not, state that XXXX XXXX XXXX XXXX, as trustee for certificate holder investors, received payoff of our loan, for the benefit of investors, by us, in year XXXX, as evidenced by our mortgage payoff cancelled check. XXXX XXXX XXXX XXXX can not, and does not, provide a Mortgage Schedule for any trust, that XXXX XXXX XXXX XXXX claims to be a trustee for, by which our mortgage loan is included for cash pass-through to security investors. XXXX XXXX XXXX XXXX can not, and does not, provide any documents in their possession, either as trustee, or in any capacity, by which our mortgage loan is referenced. XXXX XXXX XXXX XXXX can not, and does not, provide a Power of Attorney for Select Portfolio Servicing ( SPS ), or any other entity, to act on their behalf. No Power of Attorney is attached to SPS assignment and discharge, recorded in our County, for SPS to act on behalf of XXXX XXXX XXXX XXXX, for such assignment and discharge recorded in our County Registrar 's Office. Such assignment was recorded in XXXX XXXX, without Power of Attorney from XXXX XXXX XXXX XXXX, by SPS, many years after actual payoff of loan by us - XX/XX/XXXX. XXXX XXXX XXXX Bank can not, and does not, state that any certificate holders/investors to any trust, by which they were trustee for, and, responsible to - by SEC filings for servicer compliance, received payoff of our mortgage payoff proceeds on XXXX XXXX, XXXX - as provided as paid by documents submitted by us. XXXX XXXX XXXX XXXX only refers us to SPS. Thus, it is up to SPS to respond as to what happened to our loan, and to our mortgage payments and payoff. At this, juncture, a referral to the Securities and Exchange Commission is warranted. The CFPB has informed that they do not refer to any other entity other than the Federal Trade Commission. Thus, we request that SPS respond to this complaint so that appropriate action may be undertaken. Not only is title to our home at stake, but, also, investors rights have been discarded, with payoff owed to them diverted, by both XXXX XXXX XXXX XXXX, and SPS. We would appreciate an immediate response. 
Thank you, XXXX and XXXX XXXX
Consumer complaint received 2022-04-22
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (NY)

I placed an online same day delivery order with XXXX XXXX on XX/XX/XXXX for a TV in the amount of {$480.00}. I was home the entire day and I didn't receive the TV as I anticipated, so I called XXXX XXXX the following day to inquire about the status of my package. I was told the package was delivered, however, I expressed to the representative I didn't get it. The representative opened up a claim and told me I'd get a response within 48-72 hours. I waited. Radio silence. I called XXXX XXXX again and I was told the same thing, again, I waited and nothing. 

I then decided to reach out to AMEX and discuss the situation, to which they opened up a claim. I waited for a few weeks to get a response, and I was ultimately awarded the credit. However, the credit was subsequently reversed after a few days. I called AMEX and they explained that the merchant sent over " documentation '' to support their claim. I asked for that documentation to be sent to me and they said I would receive it in a few days. I received it XX/XX/XXXX. All I received from AMEX was an exchange and return policy and a copy of the tracking information, which isn't at all reliable because it doesn't ascertain anything. 

Furthermore, I called AMEX again to have my claim reinvestigated based off that very vague and insignificant information. My claim was reopened again because the representative agreed with my findings. Then I noticed my claim was closed the following day. I called AMEX and asked why my claim was closed : I was told because XXXX XXXX sent over " additional '' information. I asked the representative to specify what it was and she explained that it was allegedly a text exchange between the delivery driver and I. I didn't have any conversation with anyone that day regarding my package, therefore it was completely false and fabricated. The representative even noted that my number didn't appear on the text exchange ( interesting ), so she reopened my case on those bases. The case was closed the following day, yes, again. I called and asked what else can be done and I was told I could write a letter, as I obviously didn't have any additional documentation to support my claim. I wrote the letter on XX/XX/XXXX. ( What documentation would I have for an order I was supposed to receive that didn't arrive? ). Fast forward, on XX/XX/XXXX my case was closed. I exhausted all of my resources at this juncture. This is my last resort.
Consumer complaint received 2019-11-26
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2023-10-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

Title : Synchrony Bank Conflicting Investigation Original CFPB Complaint : XXXX Details : XXXX XXXX on behalf of Synchrony Bank responded to my original CFBP complaint and noted that we had she and I had a conversation XX/XX/2023 ( which lasted 57 min ). I brought to her attention that Synchrony Fraud department sent me letter on XX/XX/2023 that the Credit Card in question was not opened by me and that I am not responsible for any charges associated with that Card, for which I had raised dispute with Synchrony Bank. 
I shared the above information including the letter from Synchrony Bank with XXXX XXXX during our conversation, in which she agreed to mention about this conflicting information from their Bank, in her response to CFPB. It is clear now that she has rescinded on her words as she as failed to mention it in her response ( same letter is attached here as a proof ). 

It is clear that Synchrony Bank is engaging in fraudulent practice -- on one hand they themselves have concluded that Synchrony Card in dispute was not opened by me and I am not responsible for any charges, but still gone ahead and make me responsible for those charges, added late fee plus fines and destroying my credit score. 

In the dictionary of fair and even justice such behavior will be classified as dishonorable and predatory. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-22
Product: Credit card or prepaid 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: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I decided to make a purchase of some dresses for my wife and used PayPal for payment.The seller told me that I will receive my order within 2-6 days, now is telling that I will receive it no less than a month or 45 days. accidentally l checked the invoice the shipment coming from XXXX XXXX it is an XXXX store. I can not wait so long for several XXXX products.so I am disputing this transaction, I don't like lying. And I do not want t pay for a products that I don't wear. Just in the invoice please check the website but I was told that it is a local store a little far from XXXX  XXXX of all the seller send the shipment after I made a dispute. My wife ordered from the seller some goods like clothes etc. from website https : //envofashion.com where the average price is {$50.00}, I paid {$370.00} Calculating I supposed t get 6-7 items and I supposed to get a medium or big box, instead I received an envelope 7 by 4.5 inches where the seller could fit no more as a postcard. The seller decided to send something via USPS and through tracking number USPS can decide that I received the shipment and Paypal closed the case to seller 's favor. Please ask the seller how much is the weight of the envelope.Just in case I attached the envelope to compare with XXXX size paper.The envelope came from XXXX, GA. Also the shipment came from a company XXXX XXXX, I googled and found their XXXX page https : //www.facebook.com/search/top? q=Jewelry % XXXX where they sell jewelry and whatches worth $ 10-20.couple of those could fit in the envelopei paid XX/XX/XXXX the shipment appeared on XXXX after i started the dispute and i am not sure what is in the shipment. if it is what i ordered i will cancel the dispute. Theseller reported somg government agency. I am requesting from Paypal and the seller to provide me any type of explanation to what was in the envelope, otherwise the seller 's only response was Tracking info provided by XXXX XXXX XXXX which is I XXXX Shipped by Other .And the buyer received the shipment, which is an envelope. Not PayPal not the seller don't provide me with any serious information to response, only threatening that there is a report somewhere. But in reality this is becoming internet fraud, because paying {$370.00} and getting an envelope with a postcard where PayPal is involved too, because the transaction was done through PayPal, which is reviewing seller 's information two weeks, usually it takes 5 days
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-19
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)

XXXX XXXXXXXX XXXX, Are reporting a business credit card from my previous employer on my credit report. I have stellar credit and I was listed as a authorize user on the account NOT THE OWNER. I no longer am employed with the company and I have been victimized by the credit reporting agencies. This is not right and I would like for the credit bureaus to be held accountable for their actions. This mistake has cost me the opportunity to purchase a new home for my family and It should be fix ASAP! 

I have sent certified mail to XXXX as well as all three bureaus, the only option I have if this doesn't work is to SUE all parties involved... Please Help!
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

In XXXX, I sent a debt verification letter to Portfolio Recovery to verify a debit they are reporting to the bureaus. There was not a inclusion of a written agreement and/or contract, but instead a bill. 

On XX/XX/2022, XXXX MST I called Portfolio Recovery. Im expressed my concerns over the documentation I received to a representative. She expressed that she was not able to understand the subject matter and transferred me to and a manager. After communicating my grievance to XXXX ( manager ), he informed me that I was bound by my social number. I told him that they didnt send me any verifiable information other than a bill to link me to the account and it was illegal for them to report to the credit bureaus. He stated 3 times that they would send me more information and documentation. I immediately informed him that we now have much larger /significant issue because they were supposed to send my all of the requested information. I also told him that I wanted a copy of the recorded line for admitting to retaining information needed to prove it was not me. He denied my request and stated we will agree to disagree ; call back tomorrow and talk to the dispute office. And forced an end to the conversation. 


This company is violating my FDCPA rights ( 1 ) for reporting to the bureaus without any verifiable proof the account belongs to me and ( 2 ) for withholding requested information
Consumer complaint received 2024-02-19
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. (GA)

I have contacted the collection company involved ( XXXX XXXX XXXX XXXXXXXX ) and demanded them to cease & desist All communication with me regarding the alleged debt and the company is still communicating with me. According to 15 USC 1681a ( 4 ) I have the right to privacy. I never gave this company my written consent to communicate with me PURSUANT 15 USC 1681a ( 2 ). 

Amount : {$15000.00}
Consumer complaint received 2024-02-19
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This creditor/credit collection agency is fraudulently reporting this collection to my credit report since I have never signed any contract or been in any agreement with the company. I also have reason to believe that this company XXXX not be licensed to do business in the state of Illinois. This information should be removed from my credit report immediately.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following inquiries are not authorize and I habe no knowlege of them. I include the FTC report also. Please remove from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXS XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-22
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. (TX)

I have recently reviewed my credit reports and the following information is inaccurate : XXXX XXXX acct # XXXX has a XXXX Balance and Furnisher agreed to drop from reporting and Trans Union has failed to comply! 

-XXXX  XXXX XXXX have three accounts with a XXXX Balance and Furnisher agreed to drop from reporting and XXXX has failed to comply! 

-XXXX XXXX  account # XXXX has a Zero Balance and Furnisher agreed to drop from reporting and XXXX has failed to comply!