davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  ( Original XXXX XXXX XXXX  ) : Account number : XXXX, I was a victim of identity theft. 
XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) : Account number : XXXX, I was a victim of identity theft.
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC (MD)

In XX/XX/2019 I submitted a complaint ( # XXXX-XXXX  ) about a debt that was listed on my credit report that a debt collector refused to remove - although the case was dropped in the XXXX XXXX XXXX Court ( see attachment ). The company agree to remove the debt and it's since been removed from my credit report as an outstanding debt. Previous dispute response from Financial Management Services : " The records confirm that the suit was dismissed in court by consent, however, there remains an outstanding balance in the amount of XXXX. In the event that the consumer has documentation showing that the balance is paid as stated in the complaint, she should provide that information to this office. In light of the court dismissal, this office will agree to remove the debt from the consumer reporting agencies, but the account will remain open. '' However its still listed on my consumer report and my tenant screening report - when I attempt to rent. I have not been able to get approved for a place to live due to this information remaining.
Consumer complaint received 2020-08-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (TX)

I have received several collections on my credit report and disputed it because I have no idea where they came from. I asked for verification in the form of a document that would say I am assuming responsibility for the debt. RMP Services I have 8 accounts active. I would think it was the credit agencies job to verify accounts but no they just keep parroting whatever RMP says and verifying it or telling me to talk to them. I just need to see whatever I signed whenever I supposedly authorized these services. They are saying they already sent it but my mailbox was broken into. They stole a debit card and used it for {$1600.00}. They also stole any mail I had. I have a police report if you need to see it. I just need these accounts deleted immediately. 

RMP Services LLC XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2020-06-14
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: Credence Resource Management, LLC (NJ)

I filed a dispute with XXXX In XX/XX/2020. I was requesting that a collection account be removed from my report. The collection company is Credence Resource Management. I informed XXXX that I had no knowledge of this account. XXXX  decided in my favor and deleted the collection account from my credit report. A short time later, the same collection account was re-added back to my credit report. I disputed this account again in XX/XX/2020 and XXXX decided against me this time and the collection account remains on my credit report.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There were recently 6 collection accounts on my report from XXXX. XXXX regarding some collection accounts that I had on my credit report. These accounts disputes and the company agreed to delete due to incorrect information. XXXX sent letters to credit bureau requesting this these accounts be deleted. Out of all three credit bureau only XXXX  deleted these accounts from my credit report. I have followed up with Transunion and XXXX  with follow suit letters with still no response. I am requesting that Transunion and XXXX  follow suit of XXXX and delete the six XXXX XXXX accounts from my credit report. Transunion and XXXX  can confirm by reaching out to XXXX  to confirm this information.
Consumer complaint received 2024-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (VA)

Allied systems is trying to collect a disputed debt. I do not owe this debt. I left long and foster and I did not stay there and they tried to charge for something I never used a service I never used and I was not even a part of their agency but a month and then they closed the office once I told them I was changing XXXX another company I got this bill but they never reimbursed me for the XXXX dollars I had to pay to get set up for their company which XXXX never got back so they owe me this money I dont owe anything to them because I never stayed and never used the service Allied ignored my dispute and put it on my credit report
Consumer complaint received 2020-08-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (FL)

this Debt was a loan entered online in XX/XX/2019 from XXXX  by XXXX   XXXX. I agreed to payments of XXXX per month however the payments kept changing. I ended up in the hospital XX/XX/2019 and was late on this payment. When I went to make this payment they refused it and then set up new payment arrangements. I was to pay on or before the due date Which would be the XXXX because this is when I received my XXXX check.. The due date for XX/XX/XXXX was a Saturday and they closed early and did not accept the payment on line. I called on Monday morning XX/XX/XXXX they refused the payment said we are sending you to collections and this will be on your credit, I asked for a supervisor they stated there were none. I emailed request for a supervisor to call. I got no response I tried for weeks and got no where. I received an email on XX/XX/XXXX they had sold the account to a collection agency. who will not wok out payment arrangements but they are further damaging my credit by reporting every month i am late on payments. They will not correct this even after I have disputed it directly with all credit agencies.this collectors name is NCB management. I have also contacted the company asking for all documents relating to this account they have refused.
Consumer complaint received 2020-06-14
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. (NJ)

I filed a dispute with Trasunion In XX/XX/2020. I was requesting that a collection account be removed from my report. The collection company is XXXX XXXX XXXX. I informed TransUnion that I had no knowledge of this account. TransUnion decided in my favor and deleted the collection account from my credit report. A short time later, the same collection account was re-added back to my credit report. I disputed this account again in XX/XX/2020 and TransUnion decided against me this time and the collection account remains on my credit report.
Consumer complaint received 2020-04-14
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. (GA)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX/XXXX XXXX and XXXX XXXX   XXXX/XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 


XXXX, XXXX XXXX, XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report.
Consumer complaint received 2020-04-06
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (KY)

I opened a Chase Sapphire Reserve card at the end of last year. This month, Chase chose to close my card. This is within their rights, however they refused to pro-rate my yearly fee ( {$520.00} ) according to the months I that actually used the card. When I inquired for further clarification of their stance they again refused and then told me they were refusing to even discuss the matter further, even though I had additional concerns to discuss. 

Nothing in my cardholder agreement authorizes them to charge me for these services under a closed account, nor does this action hold up under general contract law.
Consumer complaint received 2024-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OPTUM BANK, INC. (CA)

I am trying to add funds to my HSA account managed by XXXX XXXX  on their mobile app. Twice i've followed the instructions to get my account verified on their app so that i can transfer funds and maximize my contributions before tax day. They sent the funds to my account for me to enter and was presented with many error messages that made no sense such as 'enter @ ' and would not allow me to get the account to transer the money That took 4 days and then had to delete the account and then tried again. They put the XXXX cents into my account and again i entered the amounts and got another message to wait. I exited and then the bank account got deleted. I'm trying a third time, and each time take according to them 1-4 days. the customer care was horrible and no tech support or anyone available. The site is not user friendly, support was horrible, on this issue and costing me {$1500.00} in a tax break because of their awful app. I called them Thursday morning and Saturday morning and no online support either to help with their scenarios.
Consumer complaint received 2023-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC (NC)

XXXX XXXX XXXX ( later renamed XXXX XXXX ) charged us almost $ XXXX for a solar installation which we got a loan for. GOODLEAP paid for it and XXXX XXXX XXXX breached contract, shut down multiple systems country wide, refused to come fix our unit and then filed Bankruptcy. Now we have a solar loan payment for a solar system that does not work, nor will XXXX honor the warranties of their products that were installed by XXXX XXXX XXXX, but rather sent us a list of other solar providers to call. They are all hours away from us. Now our energy bill is back up and our XXXX payment is just insult to injury. GOODLEAP stated that the counter suit of the customers of XXXX XXXX XXXX will liquidate the assets in court and should pay for it. Meanwhile we are supposed to wait and keep paying but thats not right. If we stop payment it will affect our credit and we will have to dispute the debt there too. Complains have already been filed with XXXX XXXX XXXX and XXXX, whom advised to ask GOODLEAP for debt forgiveness or a lowered pay off, which I was willing to consolidate our debts to pay off. GOODLEAP has refused to help, to relieve any of the debt and told us just to wait. That does not sound smart to me. I am joining thousands of other horrified clients of GOODLEAP and XXXX XXXX XXXX who think it is sinful what these companies have done, and their working relationship is questionable from the beginning, looking back. It is not all on us, the consumers, to have to jump hoops and bend over backward to attempt reaching any resolve or find helpful information beyond what has been presented. 

GOODLEAP should be the one to pursuit repayment of this debt that they paid XXXX XXXX XXXX for our non functional installation. They can get their money back from the XXXX  themselves.
Consumer complaint received 2020-04-14
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. (NJ)

I reported it to the credit bureaus sent all documents and letters. And I still received no updates.I have been a victim of fraud. And my information is on the dark web. I been dealing with being scams for years. I need helping fixing this issue.
Consumer complaint received 2020-04-14
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 reported it to the credit bureaus sent all documents and letters. And I still received no updates.I have been a victim of fraud. And my information is on the dark web. I been dealing with being scams for years. I need helping fixing this issue.
Consumer complaint received 2020-06-14
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. (TX)

In XX/XX/2020 I called XXXX XXXX it's an heating and cooling company for service/ installation services/ pricing- They never came out to assess my home, or discuss options for purchase However, during the process I allowed them to run my credit to see if I could finance, and was approved over the phone They wanted to rush me into making a decision, and into signing an online contract that was Emailed to me, I then stated that I will not be making any decisions for services at that time due to the fact that my intake needing widened or have a bigger one installed and that I needed to make sure that the electrical panel is up to par. They said that, we can do all of that for you I said no, because they were unprofessional and didn't have answers for questions and concerns that I had. The next day while I am at work they show up to my home, my husband answer 's the door, they tell him that they are there to install HVAC system, he once again told them that we hadn't agree on having services with their company and that they have been misinformed. The next day I called, no answer, just a voicemail. Several days later I received billing statment from XXXX stating that they had varified a complete and satisfactory delivery and installation of my equipment, which is far from the truth because my husband and I decided to go with another company that came out to our home, discussed pricing, and other service options and was very informative and professional. So when I got the letter I called XXXX, I spoke to a young man who said that his name was XXXX XXXX with my complaint about the bill for services that I did not receive or agree to He stated that it was an error and would be corrected. Well, 3 months later the bill shows up on my credit report for {$9000.00} pluses dollars. Please do what you can to reverse the changes because this is fraudulent, criminal activity and they shouldn't be in business! My name 's XXXX XXXX phone number XXXX Last 4 digits of social security # XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ACIMA CREDIT, LLC (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Account : Acima Digital FKA SIMP Acct # XXXX 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. 15 U.S.C 1681c. section ( 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-06
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MA)

Synchrony Back Credit Cards Arbitrarily Closed all my credit cards upon waking up this morning and trying to use one card to pay a bill.

This will now create a SERIOUS impact to my credit, ability to obtain credit needed for any emergencies as my utilization rate will now skyrocket and score will plummet. I will not be able to get a mortgage or loan. I take care of a family of four including medical and mental health issues. This is and will continue to cause me and my family financial, mental and potentially physical harm. My credit may take years to recover from the egregious actions taken by synchrony bank. 

The approximate total available credit removed was the following : XXXX credit cards including XXXX and retail cards with approx total credit limits in the XXXX of thousands lost. 

I am utterly distraught, this has impacted my ability to focus on my job, family and is causing me great mental anguish at the long journey I have made to recover my credit to where it is and now it's all lost ALL due to the actions of synchrony bank. 

I don't know what to do now, this impact on my life is irrevocable.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-04-10
Product: Credit 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: DISCOVER BANK (IL)

I sent in the tracking information to the return for pottery barn. Im still not able to call discover as it says my call cant be serviced. The only place that I cant call even though I have a credit card with them. Why is this my only way of communication with a bank Im with. For reference the tracking number is XXXX. Hopefully you all received the tracking number for XXXX as well.
Consumer complaint received 2022-05-21
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. (MO)

In accordance with the Fair Credit Reporting act 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