davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (TX)

Collector is : Castle Credit Company Holding XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX : I am writing concerning an account I co-signed on with my stepfather and how you are reporting this account. This was done back in XXXX. My stepfather per my credit report did not pay on this account since XX/XX/XXXX. This home was sold and a new owner in XX/XX/XXXX so I am not sure how this account was not settled and why it is still reporting open and active under my credit with 120 days late payments for the last 5 years.

I have been harassed for the last five years by this company, they call my cell phone, place of work and have been told on numerous occasions that my place of employment is not a place I may be contacted at, as I am not an office employee and have no access to speak on the phone with anyone. 

I have tried to talk to them to fix the way they report this but instead continue to report inaccurately. The only way they are willing to close this account and report correctly per my phone conversations with them, are if I pay the full amount owed by my step father. They continue to threaten to report inaccurately until I pay a balance that was settled when the home was sold, they have also refused to give me further account information unless I provide a payment. 

I need help settling this and would like for this to report accurately on all three credit bureaus. What is being done to me is illegal and unethical.
Consumer complaint received 2017-07-12
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (MI)

I have called Synchrony Bank raveling my Amazon Store credit card on three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Each time I have reported that I wanted to cancel " CARD SECURITY XXXX XXXX XXXX XXXX '' protection plan , which Amazon automatically enrolled me in upon receipt of the credit card. Each time the representative stated that would cancel the plan and I would be reimburse the charges going back to XX/XX/XXXX. However, the protection plan is still not cancelled and I continue to be charge for the protection plan regardless of my request to cancel it.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-05-26
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: PENTAGON FEDERAL CREDIT UNION (MD)

I applied for a mortgage loan. I was told my score did not qualify. I challenge the creditors and was told I had to deal with the credit bureaus. I had to have a certain score!
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (CA)

I received a report from EarlyWaringServices  stating two accounts from XXXX XXXX XXXX were opened and closed shortly after without my authorized written consent. Account numbers XXXX and XXXX. These accounts were open in 2016 and closed less than a month after open.
Consumer complaint received 2019-07-31
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. (TN)

The following companies ran unauthorized credit inquiry on my credit report. Thus, these are suspicious and needs to be deleted asap. 

TRANS UNION, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

The Issue : On XX/XX/2022, I just made a purchase in XXXX XXXX XXXX XXXX at XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX at which a notification from Chime alerted me on XX/XX/2022, at XXXX, asking me if I was trying to use my card at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX I responded No ( see attached photo ) because I clearly just used my card for a purchase in XXXX XXXX XXXX prior to this fraudulent attempt. Then on XX/XX/2022, at XXXX pm, I received a notification from Chime that a successful ATM withdrawal was made for {$400.00} at XXXX XXXX XXXX XXXX, XXXX XXXX California which I did not make. Immediately after, there were two more fraudulent withdrawal attempts for {$400.00} and another for {$100.00} that was successfully blocked. I would also like to note that this fraudulent withdrawal was made when I had full possession of my debit card with me at my home in XXXX XXXX. I have also been a loyal Chime member for over XXXX years and have never used an ATM on XXXX XXXX XXXX once. 

I called Chime to immediately report the fraudulent {$400.00} withdrawal on XX/XX/2022, and they disputed the claim and stated that they have " concluded that there is no error ''. I called Chime immediately after this determination and appealed the claim. I provided them with screen shots, time stamps, etc. and they once again " concluded that there is no error '', and this was " investigation '' was determined in a matter of hours. 
I called again this morning XX/XX/2022 at XXXX and spoke with the Chime manager XXXX XXXX and requested the documentations that states how these decisions were made and he was of no help to further settle this issue. When asking XXXX if he can please read the e-mail statement that included proof about my claim, he lied and said that he did not have access at the moment, until I threatened him that I was going to contact legal authorities, he then was able to access and read my statement to me.
Consumer complaint received 2019-11-24
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. (NV)

I applied to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MS)

In accordance with the Fair Credit Reporting Act 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.

15 U.S.C 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. 

XXXX and XX/XX/XXXX also XXXX and XX/XX/XXXX shows late payments when there are on time payments prior to and after those month.
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aldridge Pite, LLP (AK)

Clear Recon Corp filed on XX/XX/XXXX a non judicial notice of default and sale on my home with a 10 years old stated default date on XX/XX/XXXX, years time-barred past the Alaska statute of limitations on mortgages.
Consumer complaint received 2019-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper Mortgage Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX, CA XXXX. 

1 ) The amount required in my impound account was unnecessarily adjusted which unnecessarily caused an escrow shortage. My casualty insurance premiums dropped because I switched carriers.

2 ) Mr. Cooper made an error and reported a late payment that showed up on my credit report. The late payment was reported for the month of XX/XX/2019. This needs to be corrected. Mr. Cooper stated this is due to the escrow shortage. Records show the the mortgage was in fact sent to Mr. Cooper consistent with the automatic payment plan. 
previously implemented. This late payment needs to be removed from my credit report.

3 ) Mr. Cooper did not properly attempt to contact me about this shortage and the mortgage was in fact current and was never delinquent. Mr. Cooper sent a text message to which I responded requesting a call from a live person. The auto response claimed Mr. Cooper did not monitor the text message response. Mr. Cooper sent me a second text. I again responded to the message asking again to be contacted by a live person. This was done for two reasons, the first was to determine the purpose of the contact requested by Mr. Cooper. The second was my concern about the dozens of texts/calls I receive each month that are geared to commit fraud. Despite the disclaimer sent by Mr. Cooper, a live person in fact contacted me. I made the correction to the amount the same day I spoke to a live person. However, the false claim of being late was already made against my credit and my request to have it removed rejected.

When I asked where I could make a complaint regarding this issue I was erronously told to contact my state Department of Justice.

I have since request proper documentation showing the delinquent payment. It has not been provided. 

XXXX XXXX can be reached at XXXX XXXX XXXX XXXX if you have questions about my notification of your servicing error. 


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Consumer complaint received 2023-10-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$3500.00} ; XXXXXXXX XXXX Inquired on XXXX XXXX XXXX
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC (CA)

recovery partners llc XXXX XXXX XXXX XXXX, az XXXX there trying to charge me for a debt I don't owe! Just because someone writes a bill doesn't mean I have to pay it! I own a towing company if I write a bill for XXXX for a recovery job, but I didn't do the job can I still enforce the customer to pay it? Probably not right? So vice versa there trying to charge me XXXX to pay the debt and they're telling me we can settle it for XXXX and if I don't pay it there going to suspend my license. No one has contacted my insurance company or my attorney representing me in this just got a letter stating this is how much I owe. This isn't correct i don't owe anybody any money I pay all my bills on time and the last thing I want is for my class A license to be suspended. Don't know who this bill belongs too but it defiantly not me. I tried reaching out to this company and the just told me I have to pay I told them to get in contact with my attorney because she is representing me and can send and documentation to prove this they declined to call her and speak with her. If they don't want to talk to my attorney about the situation I have nothing else to say but there is no way I am obligated to pay a bill that wasn't intended for me and with no one telling me I owe them money. No one sent me a bill that I owe XXXX up until this letter from Recovery Payments llc contacted me I spoke with XXXX XXXX from there and the account # XXXX
Consumer complaint received 2023-04-19
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX : {$3500.00} ; XXXXXXXX XXXX  Inquired on XXXXXXXX XXXX XXXX
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldous & Associates, PLLC (GA)

I have been called repeatedly about this debt from a law firm Aldous & Associates. It has been nonstop harassment. I have been receiving calls frequently at varying times, causing a great disturbance to my daily life. They have continued to contact me repeatedly and leave voicemails after I have already spoken to them over the phone. They refused to set up a payment plan and said to call back when I am able to pay. I dont agree that I owe the debt because it was a fee tact on by a former residential community, after I fulfilled all rents due. I was going to pay to have them stop harassing me, but even after I spoke with them and told them I would call back when I have the money and told them that I didnt need to be contacted further until I was ready to call back they continued with the harassing calls. This has given me great anxiety anytime the phone rings. Im also wary about potential legal action from this law firm because they are frequently calling.
Consumer complaint received 2022-05-23
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)

FCRA violations : accounts not mine XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX  months XXXX  days XXXX
Consumer complaint received 2019-11-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NV)

On or about XX/XX/2019 I received a notification that a collection account was on my credit report from IC Systems. On XX/XX/2019 I sent IC Systems a Cease and Desist and request for validation as per FDCPA, requesting validation of the debt through : All documents, including electronic records or images, which bear my signature and which concern the debt being collected ; A ledger, account card, account statement copy, or similar record, whether paper or electronic, which reflects the date and amount of payments, credits, balances, and charges concerning the debt, including but not limited to interest, fees, charges or expenses incidental to the principal obligation which the creditor is expressly authorized to collect by the agreement creating the debt or permitted to collect by law ; The name and address of the original creditor, if different from the collecting creditor ; and A copy of proof that you are authorized to collect this debt from the original creditor. 
This letter was received by IC System on XX/XX/2019. They replied with a letter XX/XX/XXXX that included printouts of some account. They did not include anything that bared my signature, did not include a full account summary, or proof that they are authorized to collect this debt from the original creditor. 
Furthermore, I have not had an account with the original creditor during this time nor in the state listed in their reply.
Consumer complaint received 2018-04-08
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (PA)

Following are three disputes I have filed with American Express over a service I did not receive. They kept finding in the merchants favor and I would reopen the dispute. After three attempts, Amex 's last decision was that even though the Hotel that I reserved ( XXXX XXXX XXXX dates XX/XX/XXXX - XX/XX/XXXX Itinerary # XXXX, through XXXX ) did not provide me access to my room that the fee is nonrefundable. I provided letters and call logs showing the hotel had a problem where the keys did not work. After 6 times of being locked out and locked between floors within hours of arrival, and rude management who did not care or attempt to fix it, I had no choice but to check out and find other accommodations. I was charged for lodging and the hotel did not provide it. I spent hours in the garage and in the hallway and did not feel safe and that is not what I contracted to purchase. I could not get into the room. Amex is still requiring me to pay for the room. 

Inquiry Ref. No. : XXXX Establishment Name : XXXX XXXX Inquiry Amount : {$920.00} Inquiry Receipt Date : XX/XX/XXXX Inquiry Reason : Ticket/Merchandise not received Resolution Date : XX/XX/XXXX Inquiry Ref. No. : XXXX Establishment Name : XXXX XXXX Inquiry Amount : {$920.00} Inquiry Receipt Date : XX/XX/XXXX Inquiry Reason : Not available online Resolution Date : XX/XX/XXXX Inquiry Ref. No. : XXXX Establishment Name : XXXX XXXX Inquiry Amount : {$920.00} Inquiry Receipt Date : XX/XX/XXXX Inquiry Reason : Cancelled Resolution Date : XX/XX/XXXX My cell is XXXX. 

Thank you. XXXX XXXX
Consumer complaint received 2022-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I have a previous complaint with this company and they relayed a partial amount. I spoke with someone at the company and they told me it would still be coming to my bank but couldnt give me any confirmation that was true. It has been over a month since I spoke with them and I would like my remaining XXXX $ still not repayed to me.
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (IL)

I joined XXXX XXXX XXXX to try to pay off my debt. They told me to stop paying my financial institutions the debt and to start to pay them so they could pay it off for me while they negotiated a possible decrease on the debt with the debtors. I had two court cases that they said they would represent me in and they never showed up to either case. I told them and they said they were sorry and that something was wrong on there end. They again didnt show up to my second court case for a second time. They lied to me and said they were going to be my attorney but never showed up for either court cases with my discover card case. When I told them to give me my money back that I had deposited into the account with them, they gave me back XXXX dollars, and kept over XXXX for lawyer fees when they never showed up. These guys are a rip off. No one do business with XXXXXXXX XXXX XXXX. They are XXXX  and will steal your money.
Consumer complaint received 2024-03-12
Product: Credit reporting 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: EQUIFAX, INC. (SC)

I have sent them Equifax and XXXX my state issues drivers license my government social security card and also my w2 with my information all showing the same well over XXXX times now they have yet to correct the issue I am unable to retrieve my credit score and my fico scores I have asked multiple times and sent everything they have asked for I need help
Consumer complaint received 2022-01-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I called the transunion credit bureau and spoke with XXXX who is a supervisor for the company. I informed him that I would like to dispute several hard inquiries on my report and that I would like an investigation to be initiated. He told me that I wasn't able to dispute hard inquiries with transunion unless I had a deletion letter from the creditor. I informed him that according to the FCRA guidelines any information can be disputed and must be investigated. I also informed him that i didn't believe that the creditors had permissible purpose to access my credit file and i wanted them to prove that they had my expressed consent to do so. I believe that transunion isn't properly adhering to the FCRA guidelines and are engaging in deceptive practices.