davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (FL)

My credit report shows hat the account was in arrears on XX/XX/2017 to XX/XX/2017, for 30, 60 and 90 days respectively. This is inaccurate, and this should be removed from my credit report/ need a trade line deletion.
Consumer complaint received 2023-02-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (FL)

Sallie Mae Student loans belong to Daughter and there making me responsible for repayment of loans I never applied for loans, I'm disable vet on fixed income and meet there loan forgiveness program but they refuse to honor their commitment to the disabled and refuse to provide me with the information because they say it's my daughter loans but they show up negatively on my credit report please help me to live what life I have left in peace. loans ( XXXX ) {$6100.00} XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2021-07-22
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. (IL)

I have been attempting to get information on my report that is reporting inaccurately removed. I have sent several letters to the collections agencies and credit bureaus in this attempt. The information has not been verified, and have not received proper responses back. I have sent letter back in XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. Just looking to get several items correct. I have called as well. Call back in XXXX and XX/XX/2021. Was told they have my written request, but have no took any actions. They can not do much over the phone, so I do not know what else is needed to do.
Consumer complaint received 2021-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

I received a mail notification from credit collection services on XX/XX/XXXX to collect a debt from XXXX XXXX XXXX XXXX ( a company I have never used ). The fraudulent insurance policy ran from XXXX at XXXX. 
Policy was for 3 vehicles ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) registered at XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, CA XXXX. 
Collection agency was notified about fraudulent claims and police report will be filed. Person of interest possibly linked to this fraudulent claim is XXXX XXXX
Consumer complaint received 2017-07-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MI)

Dear CFBP American Profit Recovery has been attempting to collect on two separate files that Ive disputed from day one. So Im hoping that with your assistance Ill finally be able to get closure with both accounts.
The first one is with XXXX XXXX and was place with APR on or about XX/XX/XXXX. I never hired them to do any work at my house. Over the years and as recently as XX/XX/XXXX Ive asked for the original signed contract and/or any documents supporting the charges APR is trying to collect or that would confirm I even hired them. As of today I was told that they still havent received the requested documents from XXXX XXXX. The 2nd account is with XXXX XXXX XXXX and was place with APR on or about XX/XX/XXXX. Although I did hire XXXX XXXX XXXX I have disputed the amount owed well before ARP even bought the account. XXXX XXXX XXXX charged more for the lawn service then was originally agreed upon and that they charged for 2 cuttings they didnt do, which I was able to verify by reviewing our security video. Ive requested the original SIGNED estimate and all invoice used to validate the amount they say I owe however as of today they have not been able to provide anything. Ive talked XXXX and XXXX at APR to inquire on the status of the documents and was told by both that there isnt a time requirement for the client to provide validation docs, how can this be? Without these documents how has APR been able follow the CFPBs examination procedures to determine my identity, the amount owed, whether any fees charged were permitted by contract, and the original creditor? Any assistance you can provide in putting this to bed would be greatly appreciated.
Consumer complaint received 2016-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Hi Good Morning, I have been disputing this XXXX XXXX account that is on my credit report for some time now. The account is inaccurate on my credit report. the account appears to have a balance and the account has been paid in full years ago. This has also been on my credit report since 2008. Equifax continues to ignore my request to have this removed, I have called the call center many times to just be but on hold ignored and transferred. I have sent in countless emails, letters and disputed this many times to no avail. This has impacted my credit tremendously. The account is to old to be on my credit and the account is reporting inaccurate information.This account has been paid. Please remove this off my credit report. Thank you for your valued time.
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (FL)

I have paid XXXX XXXX XXXX my phone bill before closing my account last year! I have already contacted all credit companies and they removed it bc it was wrongful and now again for the second time they have resold my information to Mrs Bpo and these arrogant disrespectful have no regard for anyone BLOWS my phone up from noon to dusk. 
They should be held accountable and there needs to be a revolution on this Abusive entity having this much power.
Consumer complaint received 2017-07-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (VA)

I held two HELOCs with BSI Financial, loan numbers XXXX and XXXX. I refinanced XXXX and sold the property associated with XXXX. In each case, BSIF withdrew funds out of my personal checking account after closing the mortgages. Loan XXXX. We closed on the refinance XX/XX/XXXX. On XX/XX/XXXX, withdrew the monthly payment as if the motgage were still active. BSIF stated the title company did not return the correct documents to them. The loan payoff had been received by the BSIF. I followed-up and sent the documents even though they were in the closing packet sent by the title company. BSIF subsequently returned the funds. Now, XX/XX/XXXX, a month later, another payment for the same account has been removed from my personal checking account.
Loan XXXX. We closed the loan on XX/XX/XXXX. I ensured the same forms were signed and included in the title package. Funds were transferred after the close of the sale and I received wired funds within my personal account same day. Now, XX/XX/XXXX, BSIF has withdrawn a payment from my personal account as if my loan were still active.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX XXXX, and I am preparing this message. It has come to my attention that there have been several accounts created under my name fraudulently. My information was used to obtain financial goods or services. The listed accounts in this report are not mine. According to 15 US Code section 1681-C-2A consumer reporting agencies about block the reporting of any information in the file of a consumer that the consumer identifies is information that resulted from alleged identity theft. Also, 15 US code 1681 section 604A Section 2 states a consumer reporting you see can not furnish an account without my written instructions. The listed accounts here never should have received any instructions or consent for me to report anything on my consumer report. No consent is identity theft. I am demanding the deletion and removal of these accounts listed in this file immediately. UNAUTHORIZED HARD INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-09
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: CITIBANK, N.A. (NC)

I purchased a XXXX TV from Best Buy in XX/XX/XXXX using the best buy credit card ( issued by Citibank ) and it had a return window of 14 days from Best Buy. A month later, the TV gave me a lot of technical problems. After resetting the TV and trying all troubleshooting steps, I reached out to Best Buy and they said that if the product is out of the return window, I would have to contact the manufacturer. I contacted XXXX who helped me by telling me to turn my TV off for 24 hours and not use it and then turn it back on after that time period to see if the issue was resolved. The issues were not resolved and no further help or remedy was offered. I disputed the transaction on the Best Buy credit card invoking a billing right listed in their terms and conditions that mentioned if I am dissatisfied with a purchase and I have tried all remedy options in good faith, they will investigate the dispute. I first sent a letter as the instructions indicated to send a letter in writing. I did not receive a response for some weeks. I then called Best Buy and initiated the dispute over the phone on XX/XX/XXXX. I was informed with a letter that while the investigation is ongoing for the dispute, I would not be required to make payments on the card. On XX/XX/XXXX, I received a statement for the credit card now showing a minimum payment. I called the credit card company and they confirmed that the investigation was indeed ongoing and that they STARTED working on the dispute on XX/XX/XXXX, more than 90 days later. They stated that I should not be liable to make any payments while the investigation is ongoing on the dispute and that they will fix this issue however, the payment due date is approaching on XX/XX/XXXX and they still have not removed the minimum payment after multiple calls and the dispute is still open with no official correspondence in more than 120 days since the dispute was initiated.
Consumer complaint received 2018-05-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

I opened an account with XXXX XXXX XXXX  through XXXX XXXX many years ago. I was trying to build my credit and my minimum was XXXX  dollars. I made purchases for this amount and made payments on time except for one time and the payment was a few days late. After this I had them call me all hours of the day multiple times a day. They have called from multiple numbers and different states. I have tried to call XXXX  about this many times, I have somehow accrued over 2,000 dollars in debt for a maximum of XXXX dollar credit limit. I have made payments I should not be making and have tried to comply the best way that I could. I did some research and spoke with my bank when recently they took money from me that was unauthorized. I called XXXX first and asked them why the money was taken and they said they do not have a record of this money being taken out so I need to call my bank because it is their issue. I was hung up on towards the end of the call and then called my bank XXXX. My bank was very helpful and put in a dispute to get my money back as well as put a stop payment for them. This is not the first time this has happened with XXXX and the lady at XXXX  told me to let the XXXX know about what I have been dealing with. Just today I received a call from XXXX yet again a Colorado number this time claiming that I need to set up a payment to give them the money back that my bank disputed and took back from them. They hreatened that I need to have an attorney call them and I have one last chance before they take further measures. This happens so often and so many times and I am frustrated and worried. I try to do the best I can to pay off my debts and they are relentles. My husband and I both have asked them to stop calling or I have tried to set payment arrangements just to get rid of them but something always happens. I read their reviews and they have a D- by the XXXX  and it has raised a concern to me with how they treat their customers rudely, by threatening them and calling them in a harassing manner and taking money that should not be taken. They take advantage of other people.
Consumer complaint received 2023-02-10
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: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX and I work for XXXX XXXX in XXXX Tx. 

We sold XXXX XXXX, order XXXX, 40 virginia chairs and when he purchased he signed a form stating that if the furniture was damaged after it left our warehouse he would take it up with the freight company. ( we even purchased insurance for him ) .That form also specifically stated that he would not charge back his purchase under any circumstances. 

He received the furniture. He did not report to us that it was damaged, though he did mark it on the bol. He instigated a chargeback with chase bank credit card division. Chase bank sided with him. The customer did not tell chase that he was actively using the furniture and that he had not returned it. 

Attached you will find pictures from the customers website showing his customers actively using our furniture that was not returned and that was damaged beyond repair and that he said he returned to us. 

This gentleman got his 40 chairs, and he got his XXXX $ and he made a fool of both chase bank and myself. 

I filed a claim with chase bank because I have photographic evidence of his maintaining, using and profiting from the use of our chairs. He has worked the system and has stolen from my company and used chase bank as his weapon.
Consumer complaint received 2024-03-05
Product: Credit reporting 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)

I looked at my report on XX/XX/2023 and noticed some things that are inaccurate and incomplete. I sent a letter to TransUnion on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. THEY ARE BREAKING FEDERAL LAW!!! 
ACCORDING TO : 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 usc 1681 I ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. AND 15 usc 1681 s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. THIS IS UNFAIR AND ILLEGAL! If theyre doing this to me imagine who else theyre doing this to. They must be blind because everything is inconsistent. Can you fix this ASAP?
Consumer complaint received 2023-02-10
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. (DE)

On XXXX I mailed out letters to all 3 Credit Bureaus. 
I received no response. 

On XXXX I mailed out follow-up letters to all 3 Credit Bureaus .

I received yet again, no response! 

I have now mailed out a 3rd set of letters on XXXX! 
The law says they have 30 days to respond, it's been well over 30 days and I have had no response to the incorrect information reporting on my profile.
Consumer complaint received 2022-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have asked Transunion to validate XXXX XXXX account reporting as derogatory. Transunion nor XXXX XXXX  has not been able to furnish a signed contract validating the debt obligation after multiple dispute attempts.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a freeze on all three credit bureaus and yet I checked my credit and I have another fraudulent account on my credit report XXXX XXXX I have no knowledge of this account and also confused of how it is on my reoport when I have a freeze on all 3 credit bureaus
Consumer complaint received 2017-07-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have faxed proof ( XXXX ) and most recently AGAIN to both XXXX and XXXX that items on my credit report were either not mine ( I was a victim of identity fraud ) or they were inaccurate yet my score with each continues to decrease. When I try now to dispute yet again, both companies have me locked out so that I ca n't even access it online anymore.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MD)

Good day, I 've spoken with Equifax regarding XXXX addresses that should have not been placed on my credit report over one month ago. The day I 've disputed they told me those address are no longer on my credit report. I review my credit today and have noticed all XXXX addresses are still there.
Consumer complaint received 2021-07-22
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. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted Transunion via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-04-14
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)

XXXX XXXX XXXX XXXX {$1800.00} Balance updated XX/XX/XXXX 2 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Lease Paid Off : 4 % Balance on XX/XX/XXXX Loan Amount {$1800.00} {$1900.00} Payment Info Status Past due 30 days two times Status date XX/XX/XXXX Past due amount {$350.00} Original loan amount {$1900.00} Monthly payment {$160.00} Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - - XXXX - - - - - - - - - - - On Time 30 Days Late - Data Unavailable