davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

The Courthouse stated that they did not report to Experian nor XXXX  that a bankruptcy had been filed in my name. This information that is being reported inaccurately on my Experian and XXXX is in severe violation of the FCRA which states that my privacy is being violated and it also states that a bankruptcy should not be reported beyond 10 years. It does NOT state that it has to remain on the report for 10 years, which is what I am being told by each rep that I speak with.
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klima, Peters & Daly, P.A. (VA)

A XXXX credit card was opened unknown by me. According to XXXX this issue was resolved and I was told I was not responsible for this debt back in 2018. This debt was sold to XXXX and XXXX debt collections. They are not trying to collect this debt and have threatened to sue me. When I ask for validation all they send me is a statement. There is no proof that I opened the account. Even XXXX CSR 's told me that the account was not opened in Virginia. Please investigate.
Consumer complaint received 2018-07-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (NJ)

I have repeatedly asked XXXX XXXX XXXX to contact my attorney XXXX XXXX to work out payments since I have retained his services to settle my debt. Instead they keep calling and harassing me. Insisting that if I don't take care of this now they will speak with my employer. After telling them on numerous occasions that I will lose my job if they contact me at work they still contact me. I have an attorney they can speak with but they insist on harassing me not only at home but at work.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (ND)

On XX/XX/XXXX, I disputed a transaction for XXXX made on XX/XX/XXXX by XXXX ( reference number XXXX ). This dispute remains unresolved. In XX/XX/XXXX, I called the bank 4 times, roughly a week between each call, asking for an update on the claim. Each time I was told a request was submitted for the dispute department to contact me within 3-4 business days. At no point has anyone from the bank contacted me.
Consumer complaint received 2022-03-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XX/XX/XXXX I noticed a charge on my XXXX statement for {$290.00} for XXXX XXXX Restaurant, XXXX, AZ, a restaurant I have never been to XX/XX/XXXX I called Bank of America to report the fraudulent charge. B of A temporarily reversed the charge, canceled the credit card, issued new cards, and said they would open an investigation XX/XX/XXXX The charge was back on my credit card statement. Called B of A again and they said they sent us a letter which we never got. They sent it again and we received it XX/XX/XXXX. The letter stated that they were unable to approve the claim because " after you submitted your claim, you later confirmed that the charge was valid '' WHICH IS NOT TRUE! 
Of note, I tested positive for XXXX XX/XX/XXXX and isolated at home for 2 1/2 weeks. Also, this charge was for a " take out '' order and this restaurant is 45 minutes away. I have NEVER spent over {$150.00} at a restaurant in my entire life, let alone {$300.00}. I have been an XXXX  XXXX ( B of A ) customer for over 20 years and this has NEVER happened.
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (PA)

I am writing to file a formal complaint against Discover Credit Card regarding their unlawful freezing of my credit card account. On XX/XX/XXXX, without any prior warning or valid reason, Discover Credit Card froze my credit card account simply because I refused to provide my tax return information. It's important to highlight that I am not legally obligated to provide such documentation, especially considering that I neither applied for any new credit nor have a loan with Discover. 

I have been a loyal customer of Discover Credit Card since XXXX, maintaining my account in good standing since its inception. However, the recent actions taken by Discover are not only unwarranted but also highly concerning. Despite my repeated attempts to rectify the situation and clarify that I am under no legal obligation to provide my tax return, Discover Credit Card continues to withhold access to my account. 

This unjustifiable freeze on my credit card account has caused significant inconvenience and distress. It has impeded my ability to carry out essential financial transactions and manage my finances effectively. Furthermore, Discover 's refusal to address this matter in a timely and satisfactory manner reflects a blatant disregard for consumer rights and fair business practices. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Discover Credit Card for their unlawful conduct. I request that Discover Credit Card promptly unfreeze my account and refrain from imposing such arbitrary requirements on their customers in the future.
Consumer complaint received 2021-04-13
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)

XXXX XXXX XXXX  sent this company a letter to delete and update in XXXX to delete this account from my credit file on XX/XX/2021. I confirmed twice with the company, yet it is still being reported on my credit file. The companys update every beginning of the month. Its been almost XXXX weeks since professional debt mediation asked this to be deleted and you are stop reporting on my credit. At this point its defamation. Shouldve been deleted on XX/XX/XXXX when reported to be deleted
Consumer complaint received 2024-02-21
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. (MN)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-13
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)

accounts not mine : potentially negative icon Potentially Negative StatusCollection account. {$320.00} past due as of XXXX XXXX. 
Account TypeXXXX  Balance {$320.00} Date XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$3000.00} Date XXXX Dispute XXXX XXXXXXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1800.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1800.00} Date XXXX Dispute Account Name XXXX XXXX Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$650.00} past due as of XXXX XXXX. 
Status Updated XXXX XXXX Balance {$650.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$650.00} Highest Balance {$0.00} Terms 1 Months On Record UntilJun XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Time Share Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$2400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$17000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$270.00} Original Balance {$16000.00} Highest Balance {$0.00} Terms NA Payment History
Consumer complaint received 2020-07-29
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open.  Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX {$890.00}
Consumer complaint received 2020-07-29
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. (TX)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX {$140000.00}
Consumer complaint received 2021-05-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (NJ)

Online bank simple was the original holder of my account. Today, SIMPLE was transferred to XXXX. However, XXXX has since locked me out of my own account on their mobile app, claiming to not recognize my login. 

I needed to report a missing debit card as my wallet was lost this weekend but now have no access to my account number XXXX SIMPLE has completely shut down their app ) or debit number ( lost/stolen ). XXXX All account information, including log ins, were supposed to be the same. ) They have also disrupted the transfer experience by having their customer service agents hang up on simple users who use the dial service for help specifically with their simple account. 

Adding insult, they are specifically stating they can not hear when we start to initiate conversation. They are also now blocking all similar complaints of this mishandling on XXXX so no one can find this information. I no longer have access to my money, customer service, or to their mobile app.
Consumer complaint received 2024-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Thaxton Investment Corporation (IL)

Heights Finance has violated the FCRA Regulation V/ FCRA Section 623 ( A ) ( 7 ). duty to provide the customer with written notification about the insertion of negative information after 30 days of its insertion. I have never received such notification from Heights Finance in the past or present, If Heights Finance feels that they have sent me the proper written notification within the legally allotted time frame according to federal law, I am requesting a copy of the certified return receipt bearing my name and signature. If Heights Finance can not produce the requested document mentioned on time, I am requesting immediate deletion, or I will not hesitate to start litigation to seek monetary damages for noncompliance and civil liability.
Consumer complaint received 2022-03-01
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: ENCORE CAPITAL GROUP INC. (IN)

I have sent certified letters explaining that these companies are using my identity saying I owe them .I have disputed all furnishes using my identity which no prevail please help. This identity theft has left me XXXX  and I only request to remove the inaccuracies
Consumer complaint received 2020-07-29
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$390.00} XXXX XXXX {$89.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXXXXXX {$690.00} XXXX  XXXX {$1400.00} XXXX XXXXXXXX {$1400.00}
Consumer complaint received 2020-07-28
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing in regards to my account with Capital one account # XXXX a late pay is being reported in XX/XX/2021 at that time I was suffering from XXXX and was unable to get that payment made. As soon as I was able to I got caught up and paid,
Consumer complaint received 2024-03-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank XXXX XXXX XXXX, XXXX, XXXX  XXXX Dear sir, I have received an email from your company, Synchrony Bank branch addressed XXXX XXXX XXXX, XXXX, XXXX  XXXX on some inquiry about a sales receipt ( s ). Since I have not sent any request or inquiry on a sales receipt ( s ), your company must have received somebody who claim himself/herself, XXXX XXXX , and tried to get some personal information, purchase history ; therefore, I request you will investigate this matter and give me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 

Sincerely,
Consumer complaint received 2022-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NY)

To Whom it may concern, Im writing this complaint with multiple concerns. My brother & I have very similar names and my XXXX  XXXXXXXX score seems to be attached to his name and I can not get through to XXXX. I do not know what, if any, credit information is on file with XXXX but Ive found it impossible to get in touch with them to explain the issue. 



For the medical debt, I had no knowledge of a {$650.00} bill that went into collection until it appeared on a credit report while applying for the mortgage. I called the collection company ASAP and paid the debt off with the understanding that they would remove the collection account from my credit report and were sorry for the miscommunication. Months later, Im now applying for a new mortgage and the collection is still there but the debt shows paid. The collection company would not provide a letter or do anything to remove this from my credit report ( despite promising my payment would have it removed ). 



If someone can please help get my credit reporting information correctly associated to my name it would help a lot. If you review my history, one would see that Ive always had good credit/managed my expenses. This collection account is hurting me financially in a rather significant way and is fraudulent.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OK)

We had a banking account with Simple, but it was shut down and our accounts were merged with BBVA Compass on XX/XX/2021. We tried to activate our new account with BBVA Compass so we could have access to our account and money, but we have been completely locked out. I have tried to call their customer support line, the one they said would be open on XX/XX/2021 ( Reference : XXXX  : XXXX ), and every time I call the person on the other end pretends they can not hear me and hangs up. It has been over 24 hours since we have had any access to our money, and BBVA has not contacted me or offered any solution that would actually fix the problem - despite the fact that I have tried repeatedly to contact them.
Consumer complaint received 2018-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

The account is for, XX/XX/XXXX XXXX company is with XXXX XXXX XXXX XXXX XXXX. The original account is with XXXX XXXX for the total charge of {$1100.00}. However, this account was opened under an individual by the name of XXXX. I believe this individual has victimized myself with a type of identity fraud. The account was opened with four lines with the contract under this individual as prime ownership. However, when the bill was not paid, I managed to have all negative charges pinned to my personal credit. The actions I have taken were mailing a dispute letter to the provider, as well as to the credit bureau itself. My attempts have not been successful and I am still stuck with the debt collection on my credit report. I currently use XXXX as my phone provider, and the debt seems incomprehensible. Thank you.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc. (FL)

I had an apartment in XXXX ga in XXXX. I had a XXXX in XX/XX/XXXX and was in a XXXX for several months. My family was taking care of my affairs while I was in a XXXX. My family had worked out a resolution to remove my personal belongings and settle the rest of lease. The lease was closed out in XX/XX/XXXX. My family kept. The paperwork and proof of resolution of lease. Sometime while I was in rehab the leasing company sent me to collections claiming no resolution was ever made.
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Moria Development, Inc. (AZ)

We tried to obtain a forbearance with Peoples Mortgage in XXXX and there is a was a long wait. By the time the forbearance was approved a late charge in the amount of {$73.00} was assessed. I'm requesting this be waived as a first time courtesy. My husband lost his job with XXXX XXXX on XX/XX/XXXX. That is predatory that a company is assessing late charges on loans that can not be paid due to COVID and job losses.
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (UT)

I received a notice from a debt collector. I called the company that filed the original complaint about the unpaid debt. They confirmed that the account was opened using my social security number but that the driver 's license number was different. They recommended I file a police report for possible identity theft. My local Sherriff 's office created a case and recommended I also file a report with the SS office.
Consumer complaint received 2018-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi my name is XXXX XXXX and I have been writing your company endlessly and also writing directly to XXXX  to try to get my credit score correct as I am a victim of identity theft since 2009 up to the present. I have tried endlessly to work with the credit bureaus but they keep reporting false balances even when I send actual paperwork from my credit card companies. Let me start with XXXX the balances that they are reporting on my XXXX account are in accurate and I would like it updated. Also the balances that they report one my XXXX XXXX card acccount is inaccurate and I would like it updated. Also the balances that they are report on my XXXX XXXX card and my XXXX XXXX card are inaccurate and I would like them updated with correct amounts. Also XXXX does not have my employer listed and I would like my employer added to my credit report the company I work for is called XXXX XXXX XXXX XXXX. Also XXXX is putting my identity at risk because they displayed my whole social security number on my report and never updated my mailing address as requested. So please make them update my mailing address to XXXX XXXX XXXX XXXX ny XXXX as they keep putting my information at risk.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (SC)

Yes, a XXXX XXXX XXXX was purchased on my way in affirm financing the know. We made one payment and figured out that the bike was too small for her and returned it. The firm was supposed to have reported the loan has been paid in full and or closed. To this day they have not canceled. I have also taken the steps to dispute this with XXXX and to to no avail nothing has changed. XXXX responded back and told me that affirm confirmed that {$2800.00} was still owed on the account. This infuriates me seriously as it is affecting my credit score as if I still owe them money which I do not. I am asking that they fix this to zero balance or delete immediately!. Thank you