davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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: DISCOVER BANK (NC)

DiscoverCard is falsifying documents to the XXXX XXXX XXXX XXXX, violating federal law. 

Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious informaron to the governor and I am reporting them to the XXXX XXXX United States XXXX office tomorrow. 

They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. 

These XXXX at DiscoverCard has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say i owe. 

I demand an investigation and I demand for a response to these allegations. 

Im not gon na let this go XXXX XXXX up there in DiscoverCard nobody will anything about it but I have a voice too and Im going public on you and your creepy ambulance chasing company. 

You broke the law and justice will be served. Wait for it.
Consumer complaint received 2020-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc. (SC)

Systems & Services Technologies Inc. ( SST ) bought XXXX XXXX   loan accounts as XXXX XXXX where no longer allowed give military personnel loans. SST quickly renamed XXXX XXXX to SST XXXX XXXX. There was no transitions nor was the existing customer notified properly. This created a deliberate miss payment as part of XXXX XXXX loan model was ACH withdraw only in order to get a loan with them. By doing this, they generated massive amounts of late payments for the loans they hold. This gave SST the right to charge {$25.00} a day late fee 's to every account until paid in full, then they added {$25.00} web service fee and late charge for that. Once an account gets below a certain threshold they generate more late fees and misc charges to bring it back to prior threshold.

Example if I paid an account down to {$2700.00} only to be told I owed {$3100.00} cause of late fees I once paid off. When I contacted the service rep I was told to deal with it and there was nothing I can do but pay the fees, then my credit score drops 80 points a day after that call cause now I was 30 days late again and I never knew I was late in for the place. This company has been getting away with predatory conduct to the accounts they hold and further research shows they are illegally harassing other people with closed accounts, to even to go as far hurting other people credit lines with false calms they still owe money when accounts with the old XXXX company have been paid in full years prior to the loan buy outs. During current time and pandemic this company has ramped up its money generation with fake late charges and clams to scare people into paying them in order to not lose credit score placing or face fine.
Consumer complaint received 2020-08-13
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: CL Holdings LLC (PA)

For the record, I have NEVER received ANY service and NEVER made ANY purchase from Jefferson Capital System LLC. I sent a formal dispute letter seeking validation of the alleged debt which Jefferson Capital System LLC received at XXXX on XX/XX/2020, evidenced by certified mail number XXXX XXXX XXXX XXXX XXXX. Jefferson Capital System LLC FAILED to respond with the requested competent evidence as per FDCPA, FCRA etc. After thirty days, I sent another letter giving Jefferson Capital System LLC another opportunity to EVIDENCE the alleged debt but Jefferson Capital System LLC continuously sent prints of alleged bills, but FAILED to evidence the alleged debt. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I then disputed the derogatory mark ( Jefferson Capital Systems ) with the Credit Bureaus. Jefferson Capital Systems was then REMOVED from my Credit Report, but IMMEDIATELY reinserted. It is clear that Jefferson Capital Systems is GUILTY of FRAUD AND DECEPTIVE BUSINESS PRACTICES! Please help.
Consumer complaint received 2020-08-13
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO HAVE THE FRAUDULENT ACCOUNTS REMOVED/BLOCKED FROM MY CREDIT REPORT. I HAVE ALSO FILED A POLICE REPORT, I HAVE REACHED OUT THE CREDITORS WHO ISSUED THE FRAUDULENT ACCOUNTS. THE CHARGES ARE NOT MINE, THE ACCOUNTS ARE NO MINE, I AM VICTIM MY KIDS ARE A VICTIM BECAUSE WE NEED TO MOVE NO ONE WILL RENT US A HOUSE, HOW FAIR IS THAT???????
Consumer complaint received 2020-08-13
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. (IL)

I went to my bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.
Consumer complaint received 2020-08-13
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AR)

We submitted a complaint to you in XX/XX/2020 regarding Rushmore Loan Management - # XXXX. They are now in violation of the CARES act which provides mortgage holders with USDA backed loans the right to request a 6-12 month forbearance in order to avoid foreclosure. We were granted a 6 month forbearance ( see the response to the complaint ) but the company states we still owe for XX/XX/2020 ( the request for the forbearance was made in XX/XX/2020 and the forbearance is immediate - refer to : www.rd.usda.gov/sites/default/files/USDA_RD_SA_COVID19.  ) They are also saying that no matter what the USDA & the CARES Act says, we will owe all of the past payments in one lump sum at  the end of the 6 months forbearance. We need assistance in ensuring that this company is held accountable to what is mandated by federal law.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im disputing the XXXX XXXX XXXX - XXXX account below. The bank is reporting this debt as a charge off and no payments have been made. I have attached proof that this account is being paid on monthly and that the balance is wrong. 

XXXX XXXX XXXX {$24000.00} Closed 28 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$24000.00} Original loan amount {$45000.00}
Consumer complaint received 2020-08-13
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXXXXXX {$600.00} XXXX XXXX {$4200.00} XXXX XXXXXXXX {$4200.00} XXXX XXXX {$2700.00} XXXX XXXX {$2700.00}
Consumer complaint received 2020-08-13
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-08-13
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-08-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

They are reporting this account monthly after account was closed and is charged off. I requested a full report of this account and till this day, I dont have any answers. They failed to respond to my pending Notice of Direct Dispute. They still haven't done their investigation.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (TX)

On XX/XX/XXXX, I received mail from Conn 's XXXX XXXX saying that I had taken out roughly a XXXX line of credit. I called to inform them of the identity fraud and was redirected to the company fraud line. On XX/XX/XXXX I submitted an affidavit ( un-notarized due to COVID-19 lockdown restrictions ) with the listed fraudulent charges, the associated account number, and a case number with badge number for a police report I filed in association with the theft. In the police report I testified under penalty of perjury that I had been the victim of identity theft for several lines of credit totaling roughly XXXX. I very shortly afterward received confirmation that my email had been received and that the account was under review. Today I received a phone call from a collection agency attempting to collect the fraudulent debt. When I told them that I had reported the account as fraudulent they informed me that they would continue to call indefinitely as long as their operations told them to. Conn 's has shown negligence in adjudicating this fraud dispute and an apathy to resolving this issue in a timely manner.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America refused to proved the benefits that they offer and advertise. Particularly the Honors program for credit cards described in the attached page from the banks website. 

I have called the bank and spoken with five people. One said the program exists another said it does it exist but I would have to speak to a different department. Then I get transferred back to the department I started at, and they can't help me. I have been getting the runaround. All of the reps have been polite but untrained, they are unfamiliar with their own programs and completely unable to help. So I am reaching out to cfpb for help.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

PayPal Credit keep reporting my account as 90 day delinquent. I paid all my balance by XX/XX/2020 ( {$54.00} ), but it was not delinquent on that time. I got credit alert on XX/XX/2020 from " XXXX  '' credit monitoring bureau about delinquent account of XXXX  dollars. Please help me to remove this company 's error reporting, because it negatively affect my credits.
Consumer complaint received 2020-08-13
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2020-08-13
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2020-08-13
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Consumer complaint received 2023-03-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following item ( s ) on my credit report. The information in question is as follows : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Under the provisions of the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I have reviewed my credit report and have found that this account is inaccurately reported on my credit report. I have no knowledge of this account and do not have any record of it belonging to me. Therefore, I request that you remove this account from my credit report as soon as possible. 

As per the FCRA, you are required to investigate my dispute within 30 days of receiving it and provide me with the results of your investigation. If you find that the information is inaccurate, incomplete, or can not be verified, you must remove it from my credit report. Additionally, I request that you provide me with a free copy of my credit report after the investigation is complete, as my credit report should be updated to reflect the removal of this account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-13
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. (CA)

I AM VICITM OF AN IDENTITY THEFT, AND I HAVE BEEN STRUGGLING TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT. I HAVE FILED MY IDENTITY THEFT, MY POLICE REPORT AND A PERSONAL STATEMENT THAT THSESE ACCOUNTS AND THE CHARGES ARE NOT MINE. I SPOKE WITH XXXX   AND THEY KEEP TELLING ME THAT THE ACCOUNTS CANT BE BLOCKED BUT AS A CONSUMER I HSOULD HAVE SOME RIGHT, AND SOMEONE SHOULD HELP ME. I AM VICTIM THESE ARE NOT MY ACCOUNTS, I HAVE NO IDEA WHO HAS BEEN MAKING THE PAYMENTS, WHO IS DRIVING THE CAR, I NEED THESE ACCOUNTS TO BE REMOVED BECAUSE MY FICO SCORE IS REALLY BAD AND I NEED TO RENT A NEW HOUSE. NOT ONLY I AM VICTIM OF AN IDENTITY THEFT, NOW ME AND MY KIDS WILL BE HOMELESS BECAUSE NO ONE CARES. AGAIN I AM VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS MADE ARE FRAUDULENT.
Consumer complaint received 2022-11-01
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: EQUIFAX, INC. (IL)

I reported to XXXX XXXX by postal mail, letter dated XX/XX/2022, by XXXX Certified Mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX, that the account they are reporting to all major credit bureaus XXXX XXXX , Equifax , XXXX, XXXX, etc., is a fraudulent account as I did not open any such account. I did not receive a response back and mailed them another letter, dated XX/XX/2022, XXXX Certified mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I received a letter from XXXX XXXX, copy attached, dated XX/XX/2022, stating that they verified the debt as valid and is accurately reporting to the credit bureaus along with a Note & Disclosure statement and a Payment Authorization form. I do not have any knowledge of this account not did I make any payments to this fraudulent account. The letters received, which are attached, are also proof that the signature, that looks like someone just typed out and printed, is not mine and also the address listed on the account is not mine. I do not have any contract or any business with XXXX XXXX nor ever did. This account is not mine nor did I authorize anyone to use my name for to obtain any goods or credit. The total amount stated on the letters I received is {$12000.00} but XXXX XXXX is reporting this fraudulent account balance of {$24000.00} to all major credit bureaus.
Consumer complaint received 2020-08-13
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX  XXXX {$990.00} XXXX XXXX {$19000.00} XXXX XXXX XXXX {$87.00}
Consumer complaint received 2020-08-13
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-13
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (NV)

Last year XXXX XXXX has been charging me for an annual membership. We went for one visit and left the park due to my daughter having XXXX XXXX. We spoke with a membership representative after getting on one ride and the occurrence happening. The customer service said not to worry that they understand since it happened all very quickly.. the membership would be canceled with cause of medical conditions. We left and returned home.. they continued to charge my card monthly. There is no customer service to call you can only email. After 3 months of trying to get this issue fixed and actually speak with someone with no luck. I was contacted by a collection agency. They said there was nothing that could happen. For me to pay over {$1000.00}. There has never been a live representive to speak with at XXXX XXXX. XXXX XXXX has no communication and we had paid for our visit that day and was charged multiple times. On top of everything the place has been closed due to COVID and still send me to collections. They have already charged me well over {$600.00}
Consumer complaint received 2020-08-13
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 AM VICITM OF AN IDENTITY THEFT, AND I HAVE BEEN STRUGGLING TO HAVE THE FRAUDULENT ITEMS REMOVED FROM MY CREDIT REPORT. I HAVE FILED MY IDENTITY THEFT, MY POLICE REPORT AND A PERSONAL STATEMENT THAT THSESE ACCOUNTS AND THE CHARGES ARE NOT MINE. I SPOKE WITH EXPERIAN AND THEY KEEP TELLING ME THAT THE ACCOUNTS CANT BE BLOCKED BUT AS A CONSUMER I HSOULD HAVE SOME RIGHT, AND SOMEONE SHOULD HELP ME. I AM VICTIM THESE ARE NOT MY ACCOUNTS, I HAVE NO IDEA WHO HAS BEEN MAKING THE PAYMENTS, WHO IS DRIVING THE CAR, I NEED THESE ACCOUNTS TO BE REMOVED BECAUSE MY FICO SCORE IS REALLY BAD AND I NEED TO RENT A NEW HOUSE. NOT ONLY I AM VICTIM OF AN IDENTITY THEFT, NOW ME AND MY KIDS WILL BE HOMELESS BECAUSE NO ONE CARES. AGAIN I AM VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS MADE ARE FRAUDULENT.