davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (GA)

Experian is reporting some inaccurate fraudulent accounts on my files. I reached out to them multiple times, but they are refusing to throughly investigate my dispute. I am attaching a copy of my most recent dispute with them. 

I am referring to these accounts below : XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX  : Account Number XXXX open date inconsistent Amount : {$8000.00} Truist : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent XXXX XXXX XXXX XXXX : Account number : xxxx open date inconsistent and or duplicate account. 
XXXX XXXX XXXX : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX  XXXX XXXX : Account number : XXXX inconsistent. Not mine, do not have a contract with them. 

I also have XXXX different social security numbers being reported on my Experian report which is impossible. My social security number ends in XXXX, but you have it has both XXXX, and XXXX which suggests these accounts XXXX belong to whoever social security number ends in XXXX. The dates these accounts are reporting to have been open are inconsistent. The amounts are inconsistent.
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I am are currently dealing with an issue with Portfolio recovery associates. They are claiming that I owe XXXX for a credit card that is not mine. I have disputed these accounts already with both Portfolio and also with the credit bureaus and they are coming back with documents that they claim show proof that it is my account. However, the papers they are sending show nothing but a few statements of transactions and do not verfiy that they were mine. I continue to go in circles with this company and would like these removed!
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SOFI TECHNOLOGIES, INC. (MO)

I placed some assets info SoFi checking and then transferred it to their investment thing. I had transferred my funds to the XXXX XXXX and they immediately froze my XXXX and wont let me add or withdraw from the brokerage. I have called numerous times for more information and they have never provided me more information
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. (VA)

I recently received a copy of my credit report and I noticed multiple billing errors. 
In accordance with the Fair Credit Reporting act XXXX 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 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 As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you can't apply that information then it is false allegations and you are in violation. i am entitled to {$1000.00} per violation
Consumer complaint received 2018-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received an alert email from XXXX  XXXX advising me that there was a change to my XXXX credit report and a credit inquiry was sent by XXXX XXXX XXXX XXXX XXXX done on XX/XX/2018. I have not applied for any new credit cards. I contacted XXXX XXXX  and they told me they did not see any recent applications. They advised me to call XXXX. I called XXXX and they could not help either so they asked me to call XXXX. I called XXXX and they could not help me either. 
I would like to try to get a hold of the XXXX ( XXXX XXXX XXXX XXXX ) but there was no phone number. I would like this inquiry taken off my credit report and I would like to prevent them from approving any account opening under my credit information.
Consumer complaint received 2017-10-09
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. (IL)

I was researching my credit report as I do every month and noticed an account from XXXX XXXX It stated that there was a late account from XXXX XXXX. I called XXXX XXXX and they stated this account was opened in my name in XXXX. On top of that is was even prior to my XXXX birthday. I already had this dispute removed with XXXX in the past but for some reason this came up again. I supplied them with my state id, drivers license and birth certificate.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

case XXXX and XXXX case et, all ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. in complaint are not solve I was complaint into USPS, I am not solve and I was complaint them at FEDERAL COURT RESULT : default JUDGMENT Now I request the bank Charge back all FEE, all my damage and my injury, include all my injury from 2013 to now I can not handle all from bill, fee to all damage and total loss when I was damage and injury, I from the XXXX to come back this life, when I pay full tax and full Insurance in USA when I did not Violate any even in my mind I can not handle all from my damage to injury and wrong false arrest from FEDERAL POLICE, act theft no service by all defendants But charge diret my money in my account from checking to credit card NOTE : from Checking to credit card : all are bank OF AMERICA I petition into the bank OF AMERICA Charge back into USPS {$30.00} Million from all Fee, injury and my damage by act theft from USPS, I am not relief from Congress OF US and Supreme Court OF US
Consumer complaint received 2022-06-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

Received a letter from XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, RI XXXX ) regarding payment due on a LOC secured by my home. In the letter they said they would " settle your account with one payment in the amount of {$1100.00} which is equal to 80 % of your outstanding balance. Upon receipt of your payment, your account will be considered settled-in-full and will notify the credit bureaus accordingly. '' Letter is date XX/XX/XXXX. I wrote a check and mailed it on XX/XX/XXXX, check # XXXX in the amount of XXXX on the FOR line I wrote " balance on XXXX XXXX ( which is the home the LOC was taken against ). On my cancelled check XXXX stamped it " received XX/XX/XXXX ''. On XX/XX/XXXX the check cleared my bank account. The amount that was suppose to be forgiven was {$280.00}. And I had been faithfully making payments. 

I subsequently received a collections letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PA XXXX. My daughter, XXXX XXXX XXXX, who has full POA, wrote them a response, attaching all the above mentioned documentation and mailed it XX/XX/XXXX. They never responded. 

Today, XX/XX/XXXX a letter arrived in the mail from Convergent ( Convergent Outsourcing Inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX- for mailing the address is XXXX XXXX XXXX, XXXX, PA XXXX ) demanding payment for the {$280.00} - the amount the bank indicated they would forgive if I paid the {$1100.00}. My daughter XXXX will respond to this letter as well - as I am XXXX XXXX XXXX, she now handles all of my finances. 

I find this repeated contact to be harassing and a form of elder abuse. I faithfully paid the bank in accordance with their written instructions. Neither myself nor my daughter should be having to continually respond to these letters, not to mention the costs involved with writing and mailing these letters certified, return receipt. I am very fortunate to have a daughter who is a XXXX  and can read and understand these documents and knows that they are false claims. Most people in my situation would think this was a legitimate claim and just pay it- thus being " swindled '' out of money that actually is not owed. It is rather unconscionable behavior- which is why I am taking the time to report these institutions - I know they will receive the letter from my daughter it will be dropped - until the bank turns it over to the next collection agency. Any help you can give to stop this situation would be greatly appreciated- not to mention stopping this practice being done to other elder people. 

Thank you for your time and attention to this matter.
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX  Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602A 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 an account without my written instructions Hard inquiry
Consumer complaint received 2018-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CT)

mortgage Servicing company ( XXXX  ) has not paid my property taxes ( {$7900.00} ) despite more than sufficient funds in my escrow ( $ XXXX ).  see attached files. both tax and mortgage statements attached.
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: Maximus Federal Services, Inc. (IL)

In accordance with the Fair Credit Reporting Act Dept of ED/ AIDVANTAGE ( or formally XXXX ) Account # XXXX ( All 12 accounts ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Account info Account name : SOCIAL SECURITY ADMIN Account number : XXXX Account type : Government Responsibility Individual Date opened : XX/XX/XXXX StatusCollection account. {$28.00}, XXXX past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Balance {$28000.00} Balance updated : XX/XX/XXXX Recent payment : $ 0 Monthly payment : {$0.00} Original balance : {$28000.00} Highest balance : {$0.00} Terms 1 Months On record : until XX/XX/XXXX I've already challenged these negative items with the credit bureaus, but I'm still seeing these false information on my credit report, which is negatively impacting my ability to obtain credit. I am certain that my legal rights as a consumer have been violated upon. Please help. - - SOC SEC ADMIN OFFICE O - Account # : XXXX - Previous Address : XXXX XXXX XXXX XXXX , TX XXXX | Date : XX/XX/XXXX - I've never lived here! This isn't mine. Please block and remove this information as well as the alleged date reported, ASAP! - Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX | Date : XX/XX/XXXX - I've never lived here! This isn't mine. Please block and remove this information as well as the alleged date reported, ASAP! Because the information reporting appears to be erroneous, I feel it is being reported illegally and in violation of the law. This item should be deleted from my credit report as soon as possible. 



In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2019-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (MA)

This is a followup with my complaint about TD Bank. They have admitted to having a system wherein they accept larger pending payments on their overdraft accounts first and thereby make it more likely for many small payments such as coffee payments to slam customers such as 15 small purchases of say XXXX each or XXXX costing a customer about {$500.00} in overdraft by design rather than say {$35.00}. 

Being dishonest about account balances is another tactic used by TD such as withholding monthly fee charges from account balances and charging these fees at right time so that a customer with overdraft is charged hundreds for many small pending charges. Designed internally to maximize massively costly charges to people and even planned and timed to accomplish. 

Recently an executive named Ms XXXX XXXX and have not received information about where to send the fraud dispute for unauthorized use of my TD credit card in 2014. No cooperation, transparency, or good faith.
Consumer complaint received 2022-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

XXXX keeps saying i owe XXXX on a phone i bought in cash fir XXXX had service for three months and on the 4th month unlocked and left company they then tried to bill me fir service i was no longer using and gave been harassing me since messing up my credit on false charges
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (CA)

American Express placed an invalid, unverified, fraudulent and illegal inquiry into my XXXX  credit report without me authorizing their organization to view my credit history. 

This is a violation of Federal Law. American Express is knowingly reporting false information to XXXX. 

This inquiry is NOT MINE, nor was it authorized by me, and American Express has failed to verify it. Their actions constitute fraud under both Federal and State Laws : -Violation of the Fair Credit Reporting Act -Defamation of Character I am disputing this inquiry, through both the CFPB and the XXXX. 

I've asked for verification. They failed to supply verification. 

This inquiry is negatively affecting my credit report and score due to this company 's false reporting. 

I contacted American Express and they have NO proof I initiated such an inquiry, nor written authorization. They have FAILED TO PROVIDE ANY PERMISSIBLE PURPOSE. 

Since they do not have my authorization, written nor verbal, I demand that they DELETE this unauthorized and illegal inquiry from my credit report immediately as there is NO EVIDENCE OF ANY AUTHORIZATION, NOR ANY PERMISSIBLE PURPOSE. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction THAT IS INITIATED BY THE CONSUMER.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation 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 The following inquiry is unauthorized : Made by : American Express Made on : XXXX Made with : XXXX  The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that this unauthorized inquiry be removed immediately.
Consumer complaint received 2018-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (TX)

This contract was cancelled and the car was paid off based on the XXXX rate. They received XXXX.This is being reported as a loss. This was not a loss and they're trying to get paid twice for a car that that has been sold. Attached are the last payment paid, before the car was sold.
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)

n accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account # 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 2019-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

TWO WHOM IT MAY CONCERN I AM REPORTING J P MORGAN CHASE FOR DISCRIMINATION AND FOR CLOSING MY ACCOUNT DUE TO THE FACT OF THERE XXXX XXXX. AND THEY STILL OWE ME MONEY AND THEY KNOW IVE TALK TO THE COMPANY AND THEY WONT DO DO ANY THING ABOUT IT.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I reached out to the company to ask why was I being charged for a card I had closed back in 2020 due to identity theft, they said a new card was open with my number and my address, but also stated all the payments were fraudulently. Yet, are claiming I am responsible as well as they have affected my credit score because it shows a 496 % credit utilization when my credit limit is only {$300.00} but they show a balance of {$1600.00}. They allowed an account to fraudulently be open and claim I am responsible.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (VA)

Report # XXXX, XXXX, Equifax is refusing to update my credit file. I was married in 2017 and have a different last name. I emailed the license to Equifax, but it continues to report to creditors that I have had no movement on my credit file since 2017 which is resulting in no population of a credit score. My credit history must be updated. I have provided my income, new name, and job. I am being denied credit because Equifax is refusing to merge my name, remove old information and report new information.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I leased a car through XXXX, I returned the car and was charged {$2600.00} by XXXX, and this amount was taken out of Chase Bank account ( ending on XXXX ) on XX/XX/2022. This was an unauthorized transaction, and I reported it to Chase Bank, and they reversed the charges on XX/XX/2022. Subsequently Chase once again reversed the charges on XX/XX/2022, stating that XXXX had submitted paperwork claiming i owed them {$2600.00}. I have never received any information from XXXX on a claim. I whole heartily dispute the amount claimed by XXXX, and Chase bank has no right to debit my account without my knowledge or approval. I have a dispute with XXXX, and Chase can not act as the arbitrator or mediator. Therefore they should not have debited my account without my approval, this is not their dispute, therefor they should remove themselves from the dispute and return my {$2600.00} and allow myself and XXXX to dispute this amount through the proper legal channels. This unauthorized debit of my account emptied my account of ALL funds and overdrafted my account causing me to to be unable to pay any bills, rent, phone, food, any expenses whatsoever. Once again I would explore Chase Bank to return my {$2600.00} and allow XXXX and myself to pursue this matter through the proper legal channels.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I had an account with Synchrony thru Guitar Center I regret getting an account thru them, although synchrony changed their name from GE Capital, there's still really just the same with their costomer service lousy. I've had them call me daily like 2 or 3 times to bug me about updating my financials, so I stoped answering, and lookout for letters in the mail, well " XXXX Synchrony '' didn't manage to update my Address information, so they sent the letters to my old address, and they canceled my card due to inactivity, without notifying me, and I talk to a representative named XXXX at XXXXXXXX XXXX XX/XX/22, and she can't do anything. in my opinion you think with how bad GE Capital is ( Synchrony ) the government would close them down, or XXXX XXXX XXXX ( break them up into smaller companies, like they did to XXXX XXXX XXXX in the 80 's ), I personally would not own a card thru synchrony, so no XXXX card they partner up with synchrony. After all you after to be really bad for XXXX credit cards to switch from synchrony to XXXX XXXXXXXX
Consumer complaint received 2022-06-01
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. (MD)

I haven't heard anything from these credit reporting agencies its been over 45 days since letters sent out to them. I feel like I am being ignored and been taken advantage!