davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IL)

Received a notice from Synchrony Bank in XXXX XXXX about an unpaid balance of {$280.00} that I never charged to my XXXX  gas card account. 
They stated the account was past due over 6 months and have sold the debt to XXXX XXXX XXXX XXXX in XXXX XXXX. 
I never charged the {$280.00} to my account. Also, until I received this notification letter, I never received any communications from Synchrony Bank that there was any balance due on my account at all. Nothing. No mail, calls, etc. I've lived at the same address for the last 30 years. 
I sent them a payment of {$35.00} in XX/XX/2020 for a balance due I owed of {$35.00} so I was paid up in full. I never used my XXXX  card again since then. 
I called their customer service number and was told my account was closed and sold off. 
They finally gave me a PO box address to send a complaint letter too. I have notified XXXX of a fraud alert and made an official report with my local sheriff 's dept. 
I am sending letters to both Synchrony Bank and XXXX XXXX XXXX of the situation and the obvious fraud. I had a perfect credit rating before this happened.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC. (CA)

Net credit put a delinquent account on my credit, when the balance was actually paid in full three years ago. The company now has a Derogatory account on my credit and the information is incorrect. I tried emailing the company and calling with no response. This misinformation dropped my score over 30 points. I can provide proof my account was paid in full.
Consumer complaint received 2018-04-03
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. (WA)

Identity thieves have made numerous attempts on my accounts in the last two years - one fraudulent use of an existing credit card, three fake applications for credit, multiple addresses added to my credit bureau report.

A few months ago, I found a new address in Minnesota listed on my Experian report, which it says it got from XXXXXXXX XXXX. I have never lived in Minnesota. Never lived in the Midwest. Interestingly, the address is one where I have close friends and sent XXXX gifts in XXXX. It's incredibly disturbing that their address has been added to my report, and that Experian refuses to take it off. Are they now working with major retailers to get addresses where mail is sent? And why does the address have three misspellings? Seriously, every major noun in the address and city is misspelled. It's clear they are adding information into my account from highly suspect sources. 

I have tried to get this removed and Experian just sends me back a form response telling me how to dispute something, exactly the step that I had just taken. I want them to remove this address and not add anything else without my explicit instructions. I've had security/fraud alerts and freezes up continuously for over a year. There's no excuse for this behavior.
Consumer complaint received 2024-03-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (TX)

So on XX/XX/XXXX a collection of the amount of {$5200.00} was placed for collection on my credit report. It was a rental/leasing the last payment that was made was XX/XX/XXXX meaning who ever took this account out was living there in XXXX under my name, in XXXX I was about XXXX how can a XXXX XXXX XXXX live in a apartment IN THEIR NAME. Ive tried to dispute this off my credit it has been deleted off of 2 of my burials just not XXXX. Im born XX/XX/XXXX meaning this is identity theft I wasnt XXXX at the time of XXXX XXXX XXXX XXXX being opened in my name. XX/XX/XXXX I turned XXXX, Im now XXXX trying to get my own apartment and this is stopping me from doing so. Its not fair because it was not me and Im a victim of someone stealing my identity.
Consumer complaint received 2023-03-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AMERICAN HONDA FINANCE CORP (CA)

As a party to the CONTRACT, I've requested the FULL ORIGINAL CONTRACT baring all parties signatures. I was never given the full contract. I've also requested the Account ledger/ " T '' Account in order to inspect the Accounts Receivable and Accounts Payable. I've also requested proof of Truth and Lending, and proof that GAAP ( Generally Accepted Accounting Principles ) was adhered to during the loan tansaction. I never received ANY of what was requested.
Consumer complaint received 2019-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm demanding an investigation into the following accounts, XXXX XXXX XXXX {$3300.00}, XXXX XXXX {$0.00}, XXXX XXXXXXXX XXXX {$18000.00}, these accounts are unauthorized and unknown to me and I'm demanding that they be removed. And/ or show supporting documents to support show how and why the accounts being reported.
Consumer complaint received 2019-04-06
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: Nelnet, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$62000.00} for XXXX XXXX and {$2300.00} for XXXX. Nelnet Student Loan Servicing has also contacted me in efforts to collect alleged debt, ( in the amount of {$26000.00} ), in unlawful and unjust manners. They have contacted me directly via phone, mail, and email without my consent, as well as my family members who have no relations to the alleged debt. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they MUST have a post judgement from a court or competent jurisdiction or 2 ) prior to consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and title 15 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) - Duty of Furnishers of Information to provide Accurate Information.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (NE)

In XXXX I was sued by XXXXXXXX XXXX. I was never properly served, so in XXXX of XXXX when the attempted to levy my bank accounts I filed motion to stop levy and motion to reverse judgement. I won. Immediately I requested for validation of debt and they had until XXXX they failed. Now they are still refusing to remove debt. In Nebraska the statute of limitations is 4 years for credit card debt and yet they are still refusing to cease collections and remove from credit report
Consumer complaint received 2019-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2019 I contacted a seller named " XXXX '' on XXXX.  They were selling four ( 4 ) tickets to the XXXX XXXX  XXXX  for {$70.00} each. The event is tomorrow in XXXX XXXX. 

We started a text conversation. They provided the number XXXX. We exchanged a number of texts, which helped me gain confidence. I have never used XXXX before ( or again ). 

They suggested we use XXXX for the fund exchange. This is a function within my Bank of America application, whereby I assumed it was supported by the bank. The e-mail address provided was XXXX. I suggested I send {$140.00} for two of the tickets, await arrival before completing the transaction for all four tickets. 

I sent {$140.00} via XXXX at XXXX XXXX PDT on XX/XX/2019. I awaited the tickets but nothing came. I texted. I called. No response. The sellers post was subsequently removed from XXXX. I was scammed. It is deflating, embarrassing and disgusting.
Consumer complaint received 2024-02-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION (MI)

On XXXX Navy Federal Credit Union received a deposited in the amount of XXXX from my federal tax refund. Navy Federal Credit Union illegally took XXXX from my tax refund without cause. Banks risk no loss because banks do not loan money and are federally ensured. Banks deposit and transfer securities that is all. What is the cause for taking money from me when you do not have the authority. I have asked Navy Federal for the funds to be rightfully returned. The Federal Reserve Board explicitly states banks are barred from using its customers money. 

( 1 ) " Bank '' means a person engaged in the business of banking, including a savings bank, savings and loan association, credit union, or trust company.

( 2 ) " Depositary bank '' means the first bank to take an item even though it is also the payor bank, unless the item is presented for immediate payment over the counter ; ( 3 ) " Payor bank '' means a bank
that is the drawee of a draft ; ( 4 ) " Intermediary bank '' means a bank to which an item is transferred in course of collection except the depositary or payor bank ; ( 5 ) " Collecting bank '' means a bank handling an item for collection except the payor bank ; ( 6 ) " Presenting bank '' means a bank presenting an item except a payor bank.
Consumer complaint received 2023-07-24
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. (NC)

XX/XX/XXXX I sent a dispute letter to all three bureaus ( XXXX, XXXX, and Transunion. ) My first XXXX and two collection accounts from XXXX XXXX are hindering me from the home-buying process and they are not being reported accurately. I have tried to communicate with the bureaus, and the Creditors to no avail. They each send me from one of them to the next and I've been involved in a countless cycle of this is not our doing, contact the other to resolve. No one has been able to verify these accounts as accurate, and yet they have not been deleted off of my credit report. 

Attached is photo proof from my credit report that XXXX XXXX is inaccurately reporting my account. An account that I have paid on time, every single month since XXXX. I have had perfect payment history on all of my accounts for years- and somehow it is reporting I was on time all three years up to XX/XX/XXXX, and then magically in XX/XX/XXXX I'm suddenly 90 days late. This is literally impossible and reporting wrong. I immediately requested that this entire account be removed from my credit report and have received no response. 


Attached also below is proof that two XXXX collections are inaccurately being reported as well I called in to the collection company and they told me they no longer have my collection and they had sent it back to XXXX  and I was to reach out to them for further assistance. When I reached out to XXXX they had NO record on file of that particular collection and collection amount. It's as if it literally doesn't exist. I was told to go to the physical store for help and they told me it was outside their jurisdiction and it's best to contact customer service again. I did and again they were unable to find said account!! I also have sent dispute of this account and failed to receive request verification of this account! 

The other account has been disputed as well and again it's not reporting correctly, and it's failed to be verified as mine but it is still on my credit report.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (NE)

In XXXX I was sued by LVNV funding. I was never properly served, so in XXXX of XXXX when the attempted to levy my bank accounts I filed motion to stop levy and motion to reverse judgement. I won. Immediately I requested for validation of debt and they had until XXXX they failed. Now they are still refusing to remove debt. In Nebraska the statute of limitations is 4 years for credit card debt and yet they are still refusing to cease collections and remove from credit report
Consumer complaint received 2022-09-16
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: Affirm Holdings, Inc (TX)

The problem with Affirm started XX/XX/2022. My husband died, I pulled my credit report and found 3 different accounts. I called Affirm gave them my legal name on my drivers licenses, The last 4 of my social security number, my cell phone number and my DOB. 
Affirm can not verify my information, Even when I provide Affirm with the 3 account numbers the send me to my email address asking for me to make payment Affirm on the phone says they dont have a account with the information i give. I have summitted a Notarized Affidavit, A Fraud Police Report and a Federal Trade Commission report along with emails to the FTC. Affirm has this all. Affirm refused to correct my credit report which they say i was late XX/XX/2022. Affirm will not provide me by email I opened this account. 
Affirm Emails me every day demanding payment on 3 loans they cant provide me information i have. when i call there Auto service line enter my cell number then enter the Verifcation code they txt me. Affirm says i have no accounts
Consumer complaint received 2021-02-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 4TH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$230.00} XXXX  XXXX XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX  XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$470.00} XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX . Opened Date XX/XX/XXXX Balance {$55.00} FRAUDULENT INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Bread Financial Holdings, Inc. (CA)

Purchased a {$50.00} XXXX  gift card on XX/XX/18 for a XXXX gift. Daughter checked balance on XX/XX/18 and it was XXXX. Went to store of purchase and they said card was used XX/XX/XXXX in XXXX XXXX while I was at work in XXXX  XXXX CA. 65 miles away. XXXX XXXX   and XXXX  will not assist in any way. Totally bummed for my daughter.
Consumer complaint received 2019-04-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Rash Curtis is attempting to collect for medical collections on behalf of Original creditor XXXX XXXX XXXX XXXX where I was never a patient and have no debt to them. I contacted both entities with no luck .... now rash curstis is calling my work, home even my ex 's household threatening to arrest me if I didn't pay these collections. original creditor could not find anything in my name and could not validate the ownership of these collections ... it is damaging my credit big time and my reputation. I almost lost my job because of these calls and false allegations. please help
Consumer complaint received 2023-03-08
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: Lendmark Financial Services (NC)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 usc 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-02-04
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 was informed by my cars salesman that I was not approved to finance a vehicle because of many derogatory items on my report. I then asked him to show me my report and there was a list of items that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$120.00} XXXX XXXX  XXXX {$310.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX   XXXX {$1900.00}
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (PA)

I paid for services from Lexington Law They help get everything removed from my credit reports, some was easier than expected because I was also in a abusive relationship. However exactly a little over 30 days of no longer using their services because at some point everything that was disputed was removed and I then had nothing else left to fix because my student loans are mine, so I let them know that I no longer would need their services and then one by one every item removed by dispute began to reappear some under a different collection agency name but only after I had not used their services for a little over 30 days. Now everything that I had paid and had removed is back on my reports and Lexington law stats that they only way they could assist me if I was still a customer. They even call and email me to reestablish services with their company and every time I inform them of what happened they act obvious.
Consumer complaint received 2023-09-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

I have requested a full calculation of the debt owned. Rent owe should be broken down and given within 30 days. It still have not been provided how it was calculated. Each time I ask for the actual calculation the company just reduce the amount and still not explain why or why cams to the amount due.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$230.00} XXXX  XXXX XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$470.00} XXXX  XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$55.00} FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX
Consumer complaint received 2024-02-09
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX account Account XXXX : XXXX