davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
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. (VA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

Received an email from Bank Of America on XX/XX/2022 stating applied for a credit card. I looked up the phone numberXXXX that was listed in the email and many sites said it was a fraudulent number. I ignored it. I received the credit card on XX/XX/2022. I called Bank of America today at XXXX to cancel. They said a request was made to send another card to Kansas. I live in Louisiana. They said they did not send a card to Kansas, they knew something was wrong. I looked at my credit report online and it does not show I applied for a credit card. The guy I spoke to at Bank of America said that people will add negative information about phone numbers so people will think its a scam.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: American Settlement Funding, LLC (CA)

I completed a structured settlement sale/deal in 2020 with XXXX. I was selling my future payments for {$110000.00} but I received an offer not too long before the court said those payments were worth up to {$400000.00}. I told my IPA and he said if that is true we should not move forward. We notified XXXX we will not go to court until we figured out that the offers are legit. I shopped around and the offers ended up being real. Court ended up coming up and XXXX somehow got the deal approved without me and my IPA being at court. They promised they were going to make the deal higher but ended up ghosting up and just funding the rest of the money. My IPA believes this was an act of fraud and I have a case. He wants to help but says he can't represent cause he would be a witness. I did two deals before XXXX that went great. I would like to get that deal voided and sue XXXX.
Consumer complaint received 2023-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (MI)

I don't have the exact dates on hand. I have trued several times to transfer funds into my paypal account and have been denied. I took time during working hours, which is frowned upon by my employer but was allowed one time to call abd figure out the issue. I was informed of multiple things that the issue could be, but was never furnished with factual information. They took information from to make the transfer happen, but I was not comfortable giving, but due to the need of the transfer complied. I was then faced with the same issues and am still facing said issues, with no desire to try and speak with an individual whom barely speaks my language ( I am in no way offended, it is just hard to communicate with language barriers ). I am need of transferring funds as I use the card associated with PayPal to cover certain expenses. It has cost me many comparable cash transactions to cover theur errors. They have also advertised a credit line... and have denied me ; they have offered me my own line of credit and then used third party companies to deny me.
Consumer complaint received 2020-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SUNTRUST BANKS, INC. (GA)

On XX/XX/2020 I made a payment in the amount of {$1000.00} to my credit account with Suntrust Bank whom Ive banked with for over 15years. My current credit limit was XXXX and my current balance before the payment was XXXX due to last months interest fees, however Ive always paid at least the minimum amount due on time. My payment was due XX/XX/2020 in the amount of only {$100.00} but again on XX/XX/2020 I made a payment of {$1000.00} to reduce my interest and lower my balance. This payment made my balance go down to {$1500.00} and my credit limit was still {$2500.00} giving me an available credit of {$1000.00}. On XX/XX/2020, before preparing to use my card, for some reason I noticed my available credit changed to {$990.00} but I didnt think anything of it, I then used my card to get gas ( because its a cash rewards card ) in the amount of XXXX making my now available credit XXXX, I again checked my account on XX/XX/2020 and it was still the same available credit, same {$2500.00} credit limit and now {$1500.00} as my balance. But as of today XX/XX/2020 upon checking my account I have seen my available credit dramatically reduce to {$130.00}, no interest charge nor fee was posted in such amount, I then come to find out my credit limit was decreased to {$1700.00} without my knowledge, without notification of a credit review, and without notification from my bank at all. I called and contacted them to find out why and how this was possible and the customer service representative told me sometimes they do review and reduce amounts but this was not communicated to me even amongst opening the card. Ive never experienced a credit limit reduction, but they basically took all of my available money on the account that I worked hard to be able to pay that could have been used to pay valueable bills. I asked the bank to reverse my payment but the representative advised me that it takes 3-5 days to review this request and it may be denied. I need that money back. I would not be making this complaint if I didnt. This is unfair.
Consumer complaint received 2022-12-18
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. (FL)

In accordance with the fair credit reporting act the following accounts have violated my rights by posting my personal matters in public for everyone to observe 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *15 USC 1681 section 602 States I have the right to privacy * 15 USC 1681 section 604 A section 2 it states that a consumer reporting agency can not furnish a account without my written consent instructions which I have not done so *15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose These companies along with Credit Bureau have knowingly violated my rights and I will be force to take legal action if this continues
Consumer complaint received 2022-12-17
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. (LA)

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 USC 1681. 

Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX, Account # XXXX, Account Name : XXXX  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 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. ( 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PA)

Hello Sir/Madam, This is an attempt to finally stop the Collection company called National Credit Systems , Inc sending me collection bills that it's not mine. 
National Credit Systems , Inc XXXX XXXX XXXX XXXX GA XXXX Their client : XXXX XXXX by the XXXX XXXX Client account number : XXXX Account number : XXXX Balance : {$400.00} Resolution offer : {$200.00} This collection company and its client fraudulently using my personal information and trying to make me pay the bill I have no connection to. In XXXX, I have filled a claim with all three credit bureaus XXXX, XXXX and XXXX and were able to dispute the collection from my credit report. All three credit bureaus stated that National Credit Systems , Inc and their client XXXX XXXX by the XXXX XXXX were using my name with Social Security Number that does not belong to me. As a result collection was removed from my credit report. 
Today XXXX the XXXX, XXXX exactly a one year from previous letter ( that i've received on XXXX the XXXX, XXXX ) I have received a new fresh letter from National Credit Systems , Inc with exact the same information they sent me in XXXX and XXXX ( which makes it 3 years in a row ) demanding money to be collected that was cleared and removed from my credit report in XXXX. This collection company is bothering me for 3 years now and have to stop. 
Please, take an action They intentionally using fraudulent information that going to damage my credit report.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SANTANDER HOLDINGS USA, INC. (PA)

In XXXX I took out a home equity loan to pay credit card debt. I recieved the loan from XXXXXXXX XXXX for the XXXX XXXX they Disbursed checks on XX/XX/2023 to five credit card companies. of which 4 posted the payments to my acounts with in 1 to 3 days from disbursement of checks. Santander Bank was 1 of the cards being paid. They claimed they never received the check. When I called them approximately 2 weeks after the disbursement of the checks. I talked to XXXX she gave me a reference number # XXXX I call a few more times about this. On XX/XX/2023 I talked to XXXX and told me they had not recieved the check. ON XX/XX/2023 I contacted XXXXXXXX XXXX about the problem they put a stop payment on the original check and sent out another check to Santander Bank with delivery notification which told them the check was recieved by Santander Bank XX/XX/2023. Santander Bank is claiming they have not recieved the check again. I have a new reference number XXXX. I am paying interest on money I don't owe them. Please Help Thanks
Consumer complaint received 2018-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Please remove/delete this from my XXXX Credit report. I have disputed this several times and I was told by two of the XXXX  customers service representatives that if I went to XXXX County courthouse that it will be removed with the proper paperwork. I immediately completed the Steps and sent in the original copy certified mail .contacted state of ga revenue. Then contacted XXXX again and spoke with an XXXX supervisor representative. Can someone help me please I was told that if I followed XXXX steps that it could be removed before 7 years. I apologize for not paying back in XXXX I was going through some difficulties in life but I did get it paid in XXXX. Can someone please have a listening ear and a pure heart. THANK YOU
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Wilber and Associates, P.C. (NY)

I rented a car in XXXX XXXX from XXXX. I had an accident at that time and was covered by XXXX 's car insurance. XXXX paid the claim and XXXX signed a release for all damage claims and related charges to this accident. The number XXXX and XXXX agreed to was {$9700.00}. 

In XXXX XXXX i receive a phone call from Wilber & Associates telling me that I owe around {$1500.00} for this accident. I tried to explain to them that this ca n't be because XXXX signed a release form. One agent at Wilber threatened to get my driver 's license suspended. In any event, they tried to finagle a deal with me if I paid at the very moment. I refused and tried to reach XXXX. 

I ca n't reach XXXX ' claim department to find out what this is all about. I consulted with a lawyer ( friend ) who read the release letter and it is very clear that I am completely released from all future claims. 

I 've sent Wilber & Associates a letter clearly explaining this and sent them a copy of the release letter. I also sent this to XXXX. 

I believe Wilber is targeting people like me to try to get us to pay them for invalid claims. I believe they are committing something close to illegal. 

Thanks
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I called Portfolio Recovery on XX/XX/2022, at XXXX est and spoke with XXXX XXXX We both were on a recorded line and I let her know I would be recording for my records. She told me that I would be able to get a pay for deletion for a validated debt with them. I researched and saw that portfolio recovery does in fact participate with pay for deletions, however, once I paid and held up my end of the bargain portfolio recovery only updated my file. I am filing this complaint and requesting this account be removed from my file as XXXX told me it would.
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (GA)

Pursuant to 15 USC 1692c. ( C ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and original creditor I am demanding all of the following : Zero out the balance on this account. Grant me my title lien free. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. Deletion from all consumer reports
Consumer complaint received 2022-06-01
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violtated 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 Inquiries that I didn't authorized : XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX / XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX OF Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2022-06-01
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. (IL)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-06-01
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: EQUIFAX, INC. (IL)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-06-01
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: DISCOVER BANK (CA)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (FL)

Synovus bank will not release the lien on my home. I have tried to get a refinance to have a new, much needed, septic system installed. Synovus is blocking the process and they say they have the right to keep the lien on my home even though I have been released of the debt when they accepted my settlement offer on XX/XX/2016 in the XXXX XXXX of XXXX XXXX Florida. Case # XXXX. They settled with me then went after my ex-husband and his properties. My ex-husband is currently paying them a monthly payment and they have liens and suits against him for this debt. 
I am on XXXX XXXX XXXX XXXX XXXX and work part time. A septic system is about XXXX in this area. My current septic is very old and is no longer working properly. 
I have a lot of equity and its my only option in paying for a new system. Synovus needs to release my lien and be happy with the liens and suits they have as collateral from my ex-husband.
Consumer complaint received 2022-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Ive been paying on my school loan for a year now of XXXX $ a month a company called XXXX XXXX saying they transfer federal loans to there company an set up a auto payments so I did an I looked at my credit report today it says everything is outstanding with payments but no money is getting deducted so I callled the name an number at the bottom of the school loan report on credit karma an it was MOHELA and they said they have my information but I havent payed anything so now I feel like Ive being paying all these XXXX of dollars to a scam company.. I have screenshots of my credit report too
Consumer complaint received 2022-12-19
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. (NY)

I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Transunion about the theft of my Identity and that the items were never mine, the Credit Bureaus never cared nor paid any attention to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX, XXXX XXXX