davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX XXXX I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. 

XXXX. XXXX  XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CO)

I received a automated call from the Lowe 's card fraud department. I called because the automated system was vary confusing in what it was asking me to confirm. At this point i was a little frustrated and upset because it effects the delivery I thought was already set-up for the fridge I ordered. The person who came on the phone she told me that they needed to verify it was me and told me that the card would now work. at this point i was irritated already with this agent. I was concerned with what was happening with my order the rep was not help, she kept telling me information that contradicted each other. she told me i would have to go replace the order and then said i do n't she couldnt actually give me a real answer to my question which made me more upset. i asked if this is going to be an issue who do i talk to about canceling my card. She said that that would be her but i cant cancel my card unless i pay my balance. This really made me upset because the agent rather then helping me would rather cancel my account. I asked her what my balance was and she said oh you do n't owe money its zero. I said ding ding ding correct then the phone disconnected. when i called back they told me my account had be closed. I feel that the rep closed the account unauthorized because i wanted to have her correct the problem and mentioned on the call that if we cant get this fixed that i am going to close the card and would never reopen it if i do decided to close it. Additionally i was refused a supervisor when i got a supervisor they could n't hep but did mention that i had been hung up on and that the reps should not have done that. i have let 3 days pass and still have had no manager call back regarding the unauthorized closing of the account and the issue of pulling the call and responding to my concerns.
Consumer complaint received 2019-06-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

We were told the the documents have been tagged complete on XX/XX/2019 and it would take up to 30 days. We have checked for updates from time to time and the file is still in review. But then, they provided us another information stating that the documents have been tagged complete on XX/XX/2019 and now the decision will be made on or before XX/XX/2019 which is way longer than what we have informed the first time.
Consumer complaint received 2022-04-21
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: Resurgent Capital Services L.P. (FL)

I have recently submitted XXXX certified letters containing police reports, identity theft affidavit, and a signed document from the XXXX XXXX XXXX # XXXX. To notify your that I am a victim of identity theft, and that the accounts they are reporting on my credit files are fraudulent. They keep ignoring all the police report and putting unknown accounts on my credit files. 
They have recently deleted some accounts and then added them back to my credit files. I have sent several notices from the companies that these accounts are indeed fraud. Yet they still report them. 

Creditor : XXXX XXXX Account # : XXXX Balance : {$0.00} Creditor : XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00} Creditor : XXXX Account # : XXXX balance : $ {$19000.00} Creditor : XXXX XXXX Account # XXXX XXXX : {$430.00} Creditor : XXXX XXXX Account : XXXX Balance : {$230.00} None of these companies have my accurate personal information. All of theses creditor did not have authorization from me to obtain any credit accounts. 
After I carefully contacted each creditor no credit has accurate information to report anything on my credit files. 

The names are misspelled, the address are fraud I never resided at any of the addresses on file. 

All of my consumer statements have the wrong information in it. I have contacted these bureaus to inform them of theses identity theft issues, but my efforts are being ignored by these companies. I have no knowledge of these accounts, nor the fraudulent information they are reporting to my credit files. They have been violating my consumer rights and making my life difficult. I cant even use my own personal information because these companies are basically reporting inaccurate information.
Consumer complaint received 2022-04-21
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. (FL)

I have recently submitted XXXX certified letters containing police reports, identity theft affidavit, and a signed document from the XXXX XXXX XXXX # XXXX. To notify your that I am a victim of identity theft, and that the accounts they are reporting on my credit files are fraudulent. They keep ignoring all the police report and putting unknown accounts on my credit files. 
They have recently deleted some accounts and then added them back to my credit files. I have sent several notices from the companies that these accounts are indeed fraud. Yet they still report them. 

Creditor : XXXX XXXX Account # : XXXX Balance : {$0.00} Creditor : XXXX XXXX  Account XXXX XXXX XXXX Balance : {$0.00} Creditor : XXXX Account # : XXXX balance : $ {$19000.00} Creditor : XXXX XXXX Account # XXXX XXXX : {$430.00} Creditor : XXXX XXXX Account : XXXX Balance : {$230.00} None of these companies have my accurate personal information. All of theses creditor did not have authorization from me to obtain any credit accounts. 
After I carefully contacted each creditor no credit has accurate information to report anything on my credit files. 

The names are misspelled, the address are fraud I never resided at any of the addresses on file. 

All of my consumer statements have the wrong information in it. I have contacted these bureaus to inform them of theses identity theft issues, but my efforts are being ignored by these companies. I have no knowledge of these accounts, nor the fraudulent information they are reporting to my credit files. They have been violating my consumer rights and making my life difficult. I cant even use my own personal information because these companies are basically reporting inaccurate information.
Consumer complaint received 2016-07-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United Group Inc. (CA)

I applied for a loan for a car XX/XX/XXXX the account was closed on XXXX XXXX XXXX and I paid them. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX the creditor United Finance did a hard inquiry on my credit and was not authorized to do so.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX  XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX 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 XXXXXXXX XXXX. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: FactorTrust, Inc. (TX)

This company says, '' it's the alternative credit bureau ''. Upon their solicitation, I sent them a letter asking them to remove my name and adrress from their services/data-base. I told them I wanted to opt-out, and that I had already opted out for services, and pre-screen offers from the 3 '' major '' credit bureaus. They responded, and told me to send it in witing, I did. Now they say they need the last four digits of my social, my name, and address, ( which was on the letter, and envelope I had already sent them ). When I called to tell them just that, they said they needed my last four of social, which I don't fell they need, because I don't know them, and have never did business with them.
Consumer complaint received 2023-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MI)

I have sent XXXX dispute letters to the creditor : LVNV Funding/Resurgent Capital, requesting ALL requested information to fully validate this alleged debt and they have refused to send the requested information. In lieu of the requested information, I have received a BILLING summary, which is NOT proof of ownership and the right to collect on the debt and copies of the alleged monthly billing cycles. I have NOT received the FULL original account number of the alleged debt, or my written signature for the alleged debt.
Consumer complaint received 2022-04-21
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. (GA)

I disputed XXXX XXXX ( Account # XXXX, XXXX ( Account # XXXX ), XXXX XXXX  ( Account # XXXX ), and XXXX XXXX  ( Account # XXXX ) in XXXX of XXXX. When I pulled my new credit report today on XX/XX/XXXX, I see that tis deleted item was now put back on my credit report. You did not notify me within 5 business days that it was put back on my credit report and because of this section 611 violation, the accounts needs to be removed.

I would like to see a new report showing this been deleted. 

XXXX XXXX
Consumer complaint received 2022-04-21
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. (GA)

I disputed XXXXXXXX XXXX ( Account # XXXX, XXXX  ( Account # XXXX ), XXXX XXXX ( Account # XXXX ), and XXXX XXXX ( Account # XXXX ) in XXXX of XXXX. When I pulled my new credit report today on XX/XX/XXXX, I see that tis deleted item was now put back on my credit report. You did not notify me

within 5 business days that it was put back on my credit report and because of this section 611 violation, the accounts needs to be removed. I would like to see a new report showing this been deleted. 

XXXX XXXX
Consumer complaint received 2015-12-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ballybunion Enterprises, Inc (NY)

I have a loan with Military Credit Services. This company has a few affiliations. I am military and while moving from my past location to my present one I experienced significant financial hardship. I attempted to communicate this to their office to no avail and the account went to collections. 

Since then, with the intervention of CFPB I have a lower payment which has been made on time since XXXX 2015. 

Therefore my agreed payments have been made on time for XXXX, XXXX, XXXX, XXXX and XXXX ( 5 Months!! ) and the company updates my credit profile with " account in collections '' for all of these months!
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (RI)

For the past 6 months all three credit reporting agencies have been ignoring my request of validation on the following accounts.

1. US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. US DEPT ED Account Number : XXXX Please investigate and delete from my credit report. 

3. US DEPT ED Account # : XXXX 4. US DEPT ED Account Number : XXXX My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. The following accounts are reporting inaccurate information. The date opened on these accounts do not match and some accounts are duplicated. My request has been denied time after time, I just found out about the CFPB website after doing research about being ignored by these reporting agencies.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (RI)

For the past 6 months all three credit reporting agencies have been ignoring my request of validation on the following accounts.

1. US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. US DEPT ED Account Number : XXXX Please investigate and delete from my credit report.

3. US DEPT ED Account # : XXXX 4. US DEPT ED Account Number : XXXX My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. The following accounts are reporting inaccurate information. The date opened on these accounts do not match and some accounts are duplicated. My request has been denied time after time, I just found out about the CFPB website after doing research about being ignored by these reporting agencies.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

XXXX and Experian failed to provide proof that Tennessee Dept of service has permissible purpose to report on the consumer report. 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) states that a lender must have written consent from consumer to report. XXXX XXXX XXXXXXXX is a case law that was won by a plaintiff for failure by XXXX and Experian to provide proof of permissible purpose. My next step is a lawsuit. Please remove this account due to failure to show proof of permissible purpose by the agency.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: ACIMA CREDIT, LLC (IN)

Please update my credit report with this incorrect information. I recently got my credit report from your Bureau and saw this unimaginable reports with the following creditors and the investigation 's findings were " confirmed. '' I was never late on this account but you are reporting me as one? why is that? I'm fascinated with this " documents '' from the so-called account. Because I argued with the creditor with the lates i saw in my account that you doubtless " confirmed '' it. I want you to update this incorrect information in my account ASAP! 

ACIMA CREDIT FKA SIMPL  XXXX US DEPT ED XXXX US DEPT ED XXXX
Consumer complaint received 2022-04-21
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: CLGF Holdco 1, LLC (FL)

There were several fraud transactions from XXXX thru XXXX. I contacted the bank and advised them of all the fraudulent transactions and they said they would take care of them and to expect my replacement card in 2-3 weeks.

3 weeks ago I saw my statement and noticed several of the fraud transactions still on the account. I sent them a copy of the statement and a dispute letter that the balance on the account should be XXXX. 

Again today I get a notification from them reminding me of an upcoming payment due - SAME charges listed same balance due. They did nothing to adjust my balance despite sending them a dispute letter letting them know none of the current balance belonged to me. 

Haven't received my replacement card yet - wondering why it takes 2-3 weeks to get a consumer a replacement card?
Consumer complaint received 2022-11-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

Bank of America account was opened with my social security number. 

I received an E-mail from Bank of America stating that a new account had been opened and then processed, and then a new email was added to the account. I contacted Bank of America and provided my SSN to confirm a new account had been opened with it, without my permission.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXXXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/XXXX I ordered a chandelier from a vendor and entered my credit card number. After receiving the receipt on the same day I realized it had additional information on the size and the condition that was not part of the advertisement so I immediately contacted XXXX XXXX XXXXXXXX and filed a dispute after I canceled the order. 
XXXX XXXX  XXXX did file a credit back on XX/XX/XXXX. There was an additional charge for balance adjustment on XX/XX/XXXX posted XX/XX/2023 described as Bal/Adj and a credit on XX/XX/XXXX posted XX/XX/2023 for the same amounts of {$590.00} for each entry. 
Paypal is stating I owe them {$590.00} so a - {$590.00}. 
I first knew of the negative balance when I received a credit collection agency around XX/XX/2023 and I responded to them immediately with the supporting documents. Since that time I have had multiple conversations with Paypal and they have said it is XXXX  XXXX XXXX issue and XXXX XXXX XXXXXXXX is saying it is Paypal. I will attach documents. I spoke with their representative today and for the XXXX or XXXX time I have been told they will escalate this to resolution. I emailed service@paypal.com and stated they had XXXX last opportunity before I turned them to your Bureau as I had many promises it would be corrected and have spent probably 20 hours on the phone and days trying to communicate with no response from the collection agency or paypal.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I was contacted by an individual claiming to be from Bank of America claiming that there had been reports of fraudulent activity on my account. They talked me through the process of signing into my account including gathering personal information such as account pin numbers and the phone verification codes under the pretense that they were signing into my Bank of America account. 

These individuals used my info to place fraudulent charges on my accounts. The first was a XXXX transfer from my credit line to my checking account. They then used debit card info to send an unauthorized charge of {$6900.00} at XXXX 's. 

After filing claims with bank of America and being assured by Agents at the XXXX XXXX and XXXXXXXX XXXX  branches that the claims were legit, my claims have now been denied by Bank of America of the grounds that they were considered authorized.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I thoroughly reviewed my credit reports, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Shepherd Outsourcing, LLC (MD)

Since XX/XX/year>, I have been receiving harassing telephone calls from a debt collection company operating under the name Shepherd Outsourcing. According to their website, they assist with " debt management plans, consolidation, settlement. '' The company appears to be headquarted in XXXX, SC. However, the telephone calls are coming through a third-party VOIP utilizing California area codes. A log of the telephone calls is attached. I have never conducted business with Shepherd Outsourcing and do not know how they obtained my personal information.