davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ascendium Education Group (MD)

Ascendium Education Group took over my student loans some time ago. I was not aware, but they have been accepting payments from me since XXXX and not reporting that information to the credit bureau. To make matters worse, I consolidated my loans with another servicer and they are now in good standing with that servicer but Ascendium has flat out refused to remove the negative information from my credit bureau report and it is costing me. They are reporting two loans in collections and charged off. Neither is true. They are actually falsifying information on my credit report. I want these two accounts removed from my credit report. I want the collection and charge off status removed because those are false statements. This has now become a housing crisis for me. The loan officer has suspended processing my application for a mortgage and I have to move by the end of XXXX as I already gave notice at my current home. I'm about to be homeless because of their falsified negative reporting.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC. (MO)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am responding to your email discussing my dispute. Your email system doesn't allow me to respond to your message. I'm having to submit another compliant in your system. Experian purposely does this so the consumer isn't able to respond, and steal their money. Not everyone is able to afford to sending correspondence back and fourth through the mail. Experian takes advantage of people doing this. 

In your letter your state. " We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. " I am disputing the following item appearing on my credit report along with specific reasons for the dispute thereby I am asking this to be removed as set by law. Please do not merely contact the company electronically without providing a copy of this correspondence and getting all relevant information. Please note that I need this account corrected in order to qualify for a home loan. 

If the company furnishing this account information informs you that it is reported accurately please provide me with all the documents that prove that the account was accurately reported and describe the procedure you used to verify that the account information was and is accurate including the name, address, and telephone number of the furnishers contacted. 

It is clear to me that you are required to " maintain strict procedures to ensure that whenever public record information which is likely to have an adverse effect on a consumer is reported it is complete and up to date. '' Please complete your investigation in 30 days as permitted by law and email the results to me, and if not resolved I will have no other option to hire a law firm enforcing consumer rights under 15 USC. 1681 et seq. On my behalf to seek all possible remedies and damages associated with trade and commerce, FCRA, and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank Act )
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Synchrony account with equal payments and deferred no interest payments. Made 2-4 extra payments the last 3 months to pay off soon to expire promotions. Payments in addition to minimum payments are supposed to be applied to high interest or soon to expiring promotions. In my case all extra money was applied equally to all promotions resulting in one promotion to expire with interest charged. After 3 messages thru my online portal with whoever responding with payments were applied or just ignored the question replying with here is your balance. Called spoke to a person was told my statements show my payments applied after 20 mins back n forth the agent she agreed that anyone would want high interest paid off first. But that is not how the computer reads the payment and can only equal payments. Can not unapply payment after applied in their system. I told her this was wrong.
Consumer complaint received 2022-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

Your records show that account number XXXX has a balance of {$85.00}, this account is fraudulent and I am requesting you to remove this from my credit file, the signature attached is not my signature I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file
Consumer complaint received 2022-12-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Credit Management, Inc (AR)

On XX/XX/22 I disputed credit information provided by Professional Credit Management to XXXX XXXX XXXX as inaccurate due to not being updated to reflect a bankruptcy filing that was filed XX/XX/22. Professional Credit Management Updated my XXXX, and XXXX file as accurate reflecting it being included in XXXX  XXXX bankruptcy, and/or having a XXXX balance however has not updated XXXX account information despite 2 attempts to dispute with provided case number, date of bankruptcy filing, and a written request to have it updated to a XXXX balance, or reflecting that it's included in XXXX  XXXX bankruptcy filing.
Consumer complaint received 2019-11-26
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: Santander Consumer USA Holdings Inc. (CA)

XX/XX/18 fraudulent hard inquiry to my XXXX  report by Santander. Attaching relevant police report. XXXX instructed me to contact each company making fraudulent inquiry individually.
Consumer complaint received 2023-08-30
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: General Motors Financial Company, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-01-01
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: EQUIFAX, INC. (MN)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-02-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC (FL)

Orion Management Company is attempting to collect a debt that is not mine. I have sent them the Police Report and the XXXX Credit Report Indicating that XXXX XXXX has been removed from my report but they refuse to take their collection off of my credit report. This is hurting me.
Consumer complaint received 2021-03-17
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: EQUIFAX, INC. (FL)

I saw some accounts while going through my credit file recently that should not be there. These accounts are fraudulent because they are not mine. I can not understand how this could even happen because I have not given anyone access to my credit. Please have an investigation done on this issue immediately and have these fraudulent accounts deleted from my credit file. I am unable to get any new credit right now because of this issue.
Consumer complaint received 2021-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

I reached out to Chase bank on a pending fraudulent charge and was told by the bank that they would put a hold on it and investigate the possible scam. Chase transferred me no less than 10 times over two days. On day 3 I was told I could only fight the charges via Chase 's secure messaging. Needless to to say that was XX/XX/XXXX and now I can not see any of the sent messages about the incident. After fighting for months ( XX/XX/XXXX ) - I received a letter on XX/XX/XXXX stating that Chase will be closing all my accounts. I go in today to screenshot all the messages I sent and Chase has deleted all my sent messages. This is been the most stressful experience in the 25 plus years that I have been with Washington Mutual / Chase
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been to my local police department they gave me a Identity theft packet, been on phone with IRS, and trying to contact all of the three credit bureaus the only successful one was XXXX. XXXX  and Transunion have no live repsentative to answer the phone, they have about 10 different numbers but no one to answer the phone. They want you to mail a letter to them, my Identity has been stolen and I am trying to put a freeze, or fraud alert, and make some corrections on my account online preferrable which is quicker but there is no ling, and XXXX  was experiencig some difficulties. This is very important, nerve racking and no customer service to assist you.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2020-03-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (VA)

Hello, this company is reporting inaccurate information and the tradeline should be removed as soon as possible. I received a response from the collector that states that they received the account in XX/XX/XXXX. However, they are reporting 2 separate dates, XX/XX/XXXX and XX/XX/XXXX. I have never agreed to authorize this merchant to collect on this balance which are reporting as late and at this time the information that is being reported is considered misrepresentation with false information provided to 2 credit bureaus. The company is also reporting under 2 separate names and providing negative payment history. Its damaging my credit.
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of 2013 I was interested in building my credit so I opened a secured credit card with Bank of America. Since that date I have never missed a payment, I have always paid my balances off and my current balance is {$0.00}. According to XXXX and XXXX my credit score is between a 723 to a 754. I recently applied to have my account graduated from a secured credit card to an unsecured credit card. And you won't believe it, but I was declined! As far as I can remember, I was not given a reason, nor was I sent anything in writing from Bank of America as to why they did not approve the graduation of my card. I am extremely confused and disappointed since my scores are great and I have had no derogatory information.
Consumer complaint received 2024-02-24
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credence Resource Management, LLC (NJ)

This is part of a complaint I made to the FTC, # XXXX and a follow-up complaint I made on XXXX XX/XX/XXXX # XXXX. Credence Resource Management claimed I owe {$360.00} to either XXXX XXXX XXXX XXXX XXXX ( they keep switching who they say I owe it to ) and when I called them, they said that they knew I didn't actually owe this money, but they put it on my credit report. XXXX XXXX XXXX originally said I didn't owe them any more money when I canceled my account. Three months later, they just made up an amount for service they hadn't given and reported it to Credence Resource Management who tried to collect it without ever telling ME that they thought I owed it. XXXX XXXX XXXX never sent me a bill for it, but XXXX did. When I talked to them, XXXX XXXX XXXX said ( on 4 occasions ) that I didn't owe them anything. and XXXX sent me a written statement that I didn't owe them anything. Credence stated to me that they knew I didn't owe this money, but they put it on my credit report anyway when I talked to them on the XXXX of XXXX, XXXX. But they won't take it off my credit report. XXXX XXXX XXXX told me that they had decided that I owed them {$140.00} for service that ended on the XXXX of XX/XX/XXXX, that they previously told me I did not owe. XXXX says I owe that amount to either XXXX XXXX XXXX or them, but that it was incurred in XXXX, after they also told me I don't owe them any money.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

On XX/XX/2021 at approximately XXXX. My account was breached and funds were took in out for a total of XXXX. Phone number including pin and password were changed in my account. They suspended my account because of a money transfer now I have no money and chime isnt giving me answers. They unauthorized merchant was ( XXXX ) for a total of 4 times adding up to the amount listed above. The bank is also sending me fake emails to portray as them to reset my password information.
Consumer complaint received 2020-03-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (IL)

My deceased husband took out a home equity line of credit with PNC bank. I offered them a one time settlement and provided them with all the paperwork that was necessary. In stead of even reviewing the case, and saying I can only short sale or deed in lieu. 

I do not want to short sale or deed in lieu. Again, my deceased husband took out this loan. They did not even ADDRESS my settlement. I received a canned answer of the options they offer. 

Neither of these options are viable. I believe PNC BANK is just going thru the motions pretending to offer SETTLEMENT OPTIONS and sending canned letters, otherwise they would have addressed my settlement offer, stating yes, no, or they will accept xxxx amount of dollars.