davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
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. (FL)

To Whom it May Concern : Me And my Husband XXXX XXXX XXXX was Victims of a Home Invasion in Our Home, many things was Stolen, such as TV Computers, passports, Identification SS # ETC we Made A police Report, But I did Not realize that these Criminals would Commit Crimes Using my Name to Open Fraudulent Accounts. These Accounts was Not Authorize by me Nor My Husband Attached are My ID # SS # and Police Report
Consumer complaint received 2020-04-09
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. (FL)

To Whom it May Concern : Me And my Husband XXXX XXXX XXXX was Victims of a Home Invasion in Our Home, many things was Stolen, such as TV Computers, passports, Identification SS # ETC we Made A police Report, But I did Not realize that these Criminals would Commit Crimes Using my Name to Open Fraudulent Accounts. These Accounts was Not Authorize by me Nor My Husband Attached are My ID # SS # and Police Report
Consumer complaint received 2020-04-09
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 pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are nominee. These suspicious accounts and inquiries need to be removed from my report, it is fraudulent information.
Consumer complaint received 2020-04-09
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 got my credit ran today XX/XX/2020 at the XXXX dealership because I am trying to buy a new car but I did not get approved for the loan due to having accounts in negative standing on my credit report. I looked through each of those accounts myself and none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these accounts. I have no idea who could have stolen my personal information to open these accounts but I have already notified the companies as well as filed a police report.
Consumer complaint received 2020-04-09
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 got my credit ran today XX/XX/2020 at the XXXX dealership because I am trying to buy a new car but I did not get approved for the loan due to having accounts in negative standing on my credit report. I looked through each of those accounts myself and none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these accounts. I have no idea who could have stolen my personal information to open these accounts but I have already notified the companies as well as filed a police report.
Consumer complaint received 2021-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

On XX/XX/2020 and XX/XX/2020 I made two payments in the amount of XXXX dollars both of which are XXXX over the amount due. On XX/XX/2020 Santander Consumer USA reversed both of the payments in their system, and reported to my credit that I was 80 days past due, and the payments were still taken out of my account but showed as not payed in theirs. When In fact I was three payments ahead. I called them to report this error, They admitted they had made a mistake and said that making payments ahead had messed up their system, they corrected this problem after having to call in multiple times, and messing up my credit entirely. Since this incident I have made multiple big payments the last of which was XXXX dollars none of which went to principal as you can see in the statements connected. I have now paid well over XXXX dollars on an original loan of XXXX and my loan amount still states that I owe XXXX dollars with a pay off amount of XXXX. I have inquired multiple times about the " misc '' fees added to my account in which they can not explain. I have also requested all my statements and transaction history in which they state they only have until XXXX XXXX and can not give me any previous to 2020 since they only keep a years worth of records. Every time I call in to ask why my payment isn't being allocated as they have stated in each call they give excuses and I again verify how my next payment will be allocated and each time I am assured it will go to principal and it never does. I have recorded the calls with this company and each time and told something that completely contradicts the last. I have spoken to the executive office probably over 40 times in the last two years and each time am assured its going to change or be corrected and nothing ever is. Again I have been paying this loan for well over two years and have even made payments of a XXXX dollars and always pay more than is due. To date I have paid over XXXX dollars and still owe XXXX to pay off. How is this possible?
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I got my credit ran today XX/XX/2020 at the XXXX dealership because I am trying to buy a new car but I did not get approved for the loan due to having accounts in negative standing on my credit report. I looked through each of those accounts myself and none of them belong to me ; I did not open any of those accounts and I did not allow anyone to open them in my name. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these accounts. I have no idea who could have stolen my personal information to open these accounts but I have already notified the companies as well as filed a police report.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

My current legal name is XXXX XXXX, and my current occupation is XXXX. I am presently XXXX years old, and my current address of residence is XXXX XXXX XXXX, XXXX XXXX, California XXXX. 
MY DISCOVER CARD account ending XXXX ( XXXX previous card ). WAS USED IN XXXX  WITHOUT MY AUTHORIZATION. THAT WAS A FRAUD. 
I, XXXX XXXX ( " Affiant '' ), who first being duly sworn according to law, does depose and state : That fraudulent transaction ( s ) ( original or certified copy attached hereto ) was not endorsed, signed, authorized, ratified, either expressly or by implication, by Affiant or with the Affiant 's knowledge or consent. Affiant did not receive or retain any benefit or value from the transaction ( s ), either directly or indirectly.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TN)

New Rez started servicing my loan ast of XX/XX/XXXX, They did not cash my XXXX check when I called to find out why I was put on a phone tree and told I would get a call back, no call- I signed in online and wrote a message no response, I am also trying to pause my mortgage because of Covid19 have filled out the online form no response now for alone 2 weeks. No way to contact this company or get any response seems like they are shady and avoiding their customers. Number does not work online gives no response!
Consumer complaint received 2020-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA XXXX VISA/MSTR DEBT XXXX ** DEBT XXXX XX/XX/2013. ** Kindly note the phone number on documentation says to call FOR MORE INFORMATION XXXX This is USAA RECORDING ANYONE TRYING TO COLLECT THIS DEBT IS BREAKING THE LAW. This debt WAS CHARGED OFF & SOLD TO COLLECT BY USAA. XXXX USAA CHEATED ME AND THE COMPANY THIS DEBT ** NOT OWED ** WAS SOLD TO. This debt charged off mysteriously became A NEW MASTERCARD DEBT CHARGED OFF see attatched ending card XXXX. This debt mysteriously became a visa XXXX. ACCORDING TO MY RECORDS I DID NOT APPLY OR AUTHORIZE THESE CREDITCARDS. USAA REFUSES TO SEND VERIFYING WRITTEN PROOF I. APPLIED OR AUTHORIZED THESE CARDS.??? IF THE FIRST CARD XXXX WAS REALLY DELIQUENT?? HOW DID IT MYSTERIOUSLY PRODUCE 3 OTHER CREDITCARDS?? USAA HAS DESTROYED MY CREDIT WITHOUT PROVIDING WRITTEN VERIFICATION OF THESE ACCOUNTS.
Consumer complaint received 2020-04-09
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: EQUIFAX, INC. (RI)

This complaint is regarding an old XXXX XXXX Account in the amount {$3700.00}. This account was first reported in my credit report by both XXXX and Equifax agencies as far back as XXXX or earlier. In XXXX, the account was removed from my credit report by both agencies, having been over seven years. 
However, in XXXX, I discovered the account has reappeared in my credit report. Immediately, I disputed the reappearance of the account in my credit report and no action was taken by the two agencies. A few months later, I repeated the dispute and still no response or action taken. 
Please my question is whether the Transunion and Equifax agencies can report an account of this type again after its first initial seven years of reporting.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NC)

A purchase was made with my card for the XXXX  XXXX XXXX. The purchase was refunded from them on XX/XX/2020 due to me canceling. On XX/XX/XXXX I see on my transaction history that the credit has been applied but American Express is holding the funds. Upon talking to 3 agents one agent XXXX emp Id : XXXX actually refers me to the legal terms and conditions # 4 Section F. Which that section refers to pre-authorization holds and processing delays. She kept referring to merchant holds, which has nothing to do with refunds and placing a hold on the refunded funds.
Consumer complaint received 2020-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (CA)

To Whom It May Concern : XXXX XXXX  XXXX was called to bring my daughter XXXX XXXX to the hospital for a XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX : 1. Invoiced me directly {$2500.00} in addition to the insurance in XXXX, which had PAID XXXX XXXX per XXXX below dates and payment IDs. 
2. Recklessly and criminally, passed {$510.00} to collections to Nationwide Recovery Systems who consequently have been reporting this erroneous bill on my credit negatively since XXXX! 

XXXX paid XXXX XXXX the ENTIRE invoice of {$2500.00}. 

XXXX CONFIRMED ELECTRONIC PAYMENT PER BELOW : XX/XX/XXXX - {$460.00} payment ID XXXX XX/XX/XXXX - {$2100.00} payment ID XXXX They illegally passed a paid debt to collections and now this continues to be on my report damaging my credit when i am trying to refinance due to financial problems with COVID
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

Fair Collections & Outsourcing from XXXX, MD incorrectly reported information to XXXX  that negatively impacted my credit application and needs to be rectified urgently.
Consumer complaint received 2020-04-09
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. (TX)

There is a collection account by XXXX XXXX XXXX appearing on my credit report that does not belong to me. the Original Creditor is XXXX XXXX XXXX XXXX XXXX, its showing a balance of {$15000.00}. This account is a result of identity theft and fraud. I have attached my FTC report to this complaint. Please remove and block this fraudulent account immediately!
Consumer complaint received 2020-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (UT)

TD/TARGET is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 cash app transfers with BofA ( date is day where charges are posted ). Actual transaction dates were on the XXXX, XXXX, and XXXX. People were asking for money on XXXX XXXX or XXXX Pay for services. I sent the money and then never got them back as they blocked me and went offline. Money was never returned and did not receive service either. Disputed them with XXXX XXXX but refunds were declined. After disputing them with Bank of America I got temporary credits but now BofA is starting to ask for the money back on one of the claims and after calling them they say that will likely extend to the remaining claims as well.
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (GA)

Discover financial services has infringed upon my right to privacy as a consumer, and they have violated the following laws under USC 1692 : 1. USC 1692b. ( 2 ) 2. 1692b. ( 5 ) 3. 1692c. ( 3 ) 4.1692d. ( 2 ) 5. 1692c. ( 1 ) Now before you allege that you're not a debt collector please be advised that you are. Pursuant to USC 1692a : ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include
Consumer complaint received 2021-03-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R.T.R. Financial Services, Inc. (NY)

Sent a letter on XX/XX/2021 " Request for Validation '' of debt and received many phone calls and letters, the latest dated XX/XX/2021 but received on XXXX XXXX
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, XX/XX/2011 I filed for bankruptcy ( Chapter XXXX ). To my understanding, the law firm handling my case said that the derogatory mark will fade off my reporting history within 7 years. I now know that that was false information. I was about XXXX years old and did not have any understanding of how credit worked. The amount that went into Bankruptcy was about {$10000.00}, something I could have paid off over time had I known about debt consolidation. I now am credit savvy and have kept a 99 % payment history on a line of credit of {$42000.00} since reopening a credit line nearly three years ago. 

I hired a credit repair company to help me with this removal but after 8 months of slow progress and money spent I decided it would make more sense to try myself. So I personally reached out to Transunion, XXXX, & XXXX but to no avail. 

Due to this global pandemic with COVID-19 the economy is in a very rocky state and I just want to secure a house for me and my family. I want to finally become a homeowner. I hope we can come to a solution so I can boost my score and finally begin my homeownership process with the best interest rates that good credit can provide.
Consumer complaint received 2020-04-09
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. (NY)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2023-01-20
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. (NV)

I sent the Credit Bureaus letters on XXXX asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 
In accordance with the Fair Credit Reporting XXXX Account # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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.

If, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Here is the accounts : XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account
Consumer complaint received 2021-03-15
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. (NV)

I have contacted Trans union regarding fraudulent information being reported on my credit report. I have also submitted an FTC report to their company whom they signed forms of received XX/XX/XXXX tracking number XXXX the following items i included that are fraudulent are : XXXX XXXX opened XXXX XXXX, XXXX XXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX Following inquiries are included as fraud as well : XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX : inquiry opened XXXX XXXX XXXX XXXX : inquiry opened XX/XX/XXXX Bankruptcy ; reported XX/XX/XXXX I don't authorize this information to be on my credit report since the courts don't report to the credit bureaus, id to see proof of accuracy. If you cant provide information that verifies the authorization of this information, it must be removed immediately. 
I have made several calls, sent disputes, and fax ftc report this company has signed they received my ftc report and its been 3 weeks and have not processed anything when they said it has to be processed in 5 days they haven't done anything to get this handled and completed.