davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-24
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: Receivables Management Partners, LLC (NC)

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Identity Theft XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. XXXX Account Number : XXXX Please remove it from my credit report. 

11. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX Account Number : XXXX Please remove it from my credit report. 

14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

16. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

17. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

18. RMP SRVC LLC Account Number : XXXX Please remove it from my credit report. 

19. XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (SC)

In accordance with the Fair Credit act has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-28
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. (TX)

This account is showing open paid Collection amount XXXX No account details Account showing opened XX/XX/2018 and should be removed altogether because this is false Amount due XXXX Previous balance XXXX Account should not be reporting because it is inaccurate reporting as the account was PAID DIRECTLY to XXXX XXXX
Consumer complaint received 2019-03-28
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. (TX)

This account is showing open paid Collection amount XXXX No account details Account showing opened XX/XX/2018 and should be removed altogether because this is false Amount due XXXX Previous balance XXXX Account should not be reporting because it is inaccurate reporting as the account was PAID DIRECTLY to XXXX XXXX
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO (CO)

Applied for the XXXX XXXX  Visa card with XXXX LifeMiles bonus through an invitation sent to me. I have never dealt with such a horrible bank and a very convoluted application process. I had to send in pay stubs, utility bills, social security card, and passport/ID, and was finally approved for {$5000.00} after almost 3 weeks. When I received the card, I activated it and went to make my first purchase on it and was instantly denied. 

I called in and was told my account was blocked. I asked why, and they said they wanted another utility bill and ID. I sent in my XXXX Bill and my Passport. A few days later, my account was SHUT DOWN!!! I was notified that my XXXX utility bill was questionable. I sent in another utility bill and my XXXX Bill, and also attached my Passport. 

I called in again and was told my account was permanently shut down. This is beyond ridiculous. Avoid Banco Popular or XXXX XXXX XXXX at all cost.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my XXXX/XXXX  account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my Experian that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.

In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 

Thank you for your consideration. 

Have a blessed day!
Consumer complaint received 2020-12-16
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: Santander Consumer USA Holdings Inc. (TX)

I have attempted to reach out to this company to find a resolution for the inaccuracies and inconsistencies of their reporting. My FCRA rights have already been violated at this point as this particular account has consistently reported on my credit report incorrectly. I dont need them to " verify '' that this account exists etc ... I need them to rectify the FCRA violating information. I noticed CHRYSLERCAP XXXX had a discrepancy in the " payment history '', " high credit '', " past due '', " date of last activity '', date of last payment '', date opened ' section of the listings. XXXX and XXXX  are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX  is reporting a date opened of " XX/XX/XXXX ''. XXXX  and XXXX  are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX  is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. Since this account is reporting as a collection/charge off there should be no " payment history '' attached. The " high credit '' balance for XXXX  is {$10000.00} however, for XXXX  and XXXX  its {$16000.00}. Since this account is reporting as a collection/charge off it also should not be reflecting a " past due '' balance. This account is showing a " past due '' balance of {$12000.00} which is a violation. If this is the same account, reported by the same creditor how are these numbers and dates different?
Consumer complaint received 2020-06-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

A judgment was levied against me after credit card debt was sold from MBNA to Bank of America, and I was XXXX XXXX and on XXXX XXXX XXXX. I did not even know there was a judgment against me until I began to look for apartments and realized that suddenly no one agreed to rent to me unless I paid a year 's rent upfront, which was and has been impossible. The law firm that rendered the judgment will not remove it and I can not afford to pay it. My understanding has been that because I have been XXXX   XXXX, this judgment should not have been rendered in the first place. 
This judgment occurred sometime in late XXXX. It is for {$12000.00}. ( I desperately need to move from a dangerous living situation, but no one will rent to me as long as this judgment remains. ) Apparently, this occurred with many individuals and a class action suit was filed against MBNA and Bank of America. But the attorney, XXXX XXXX, who issued these judgment has refused in general to remove them.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (MO)

On XXXX2019 I sent Equifax a copy of my police report proving that I had some identity theft on my credit report. It has now been 30 days and I still have not received a response and these fraudulent accounts are still listed on my credit report. I have attached a copy of my police report also.
Consumer complaint received 2021-10-29
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. (MI)

In XX/XX/XXXX Four charges were charged to my Chase Southwest Rapid Rewards Card. Chase notified me via email of possible fraudulent activity on my card. In speaking with Chase I confirmed these were fraudulent charges, my account was immediately closed and new card sent. The 4 fraud charges were removed from my card. I noticed on Monday XX/XX/XXXX that 2 of the charges reappeared again showing these purchases were made on XX/XX/XXXX! Again I notified Chase these are fraud charges and I want them removed! Chase stated that their fraud claims department said these were in fact MY charges! One charge is for XXXXXXXX XXXX XXXX for {$62.00} and the other is for XXXXXXXX XXXX XXXXXXXX for {$52.00}. I haven't eaten XXXX XXXX  in over a year and I am NOT a member of XXXX XXXX XXXX!! So far these 2 charges are still on my current statement and have not been removed.
Consumer complaint received 2018-05-23
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: States Recovery Systems, Inc. (CA)

XXXX Account Dispute # XXXX filed with XXXX on XX/XX/18 for STATES RECOVERY SYSTEM XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Estimated completion date XX/XX/2018. A request for proof of debt to include a complete breakdown of account number, money owed and details for all debt were requested. Dispute results became available on XX/XX/18 showing balance due of {$540.00} but no information for me to claim or correct this debt. Unsuccessful attempt to pay this debt was made on XX/XX/18 resulting in being referred back to the XXXX of XXXX to obtain proof that this debt is valid. States recovery system will collect my money but can not prove to me that this debt belongs to me. This debt clearly does not belong to me and it is now past the 30 days required for them to provide me with this information. I am requesting that this debt be cleared and removed from all credit reports.
Consumer complaint received 2017-02-02
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (CA)

I have made a payment each month as required to my account from day one to Synchrony Financial. 
After they receive my payment in the month due, if it is received a day early, they will post my payment to the previous month and then charge me a late fee for the month that they received the payment a day or two early.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (TX)

I noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied in my name. 

According to the FCRA, these UNVERIFIED and UNAUTHORIZED inquiries must be removed. 

CREDIT BUREAU : EXPERIAN INQUIRIES : XXXXe b XXXX XXXX XXXX XXXX Card XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Card
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-07
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. (GA)

On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CA)

I've been on time with all my payments, I missed my last payment in error and am currently 11 days late and unfortunately can't pay for another 5 days. I have received NINETEEN phone calls from them in the last 4 days. Was told it won't stop until I pay.
Consumer complaint received 2020-02-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (CA)

Experian credit bureau is maintaining 2 negative accounts that I have disputed does not belong to me they refuse to delete these 2 negative/derogatory accounts and when attempting to dispute again currently they it blocked these accounts need to be removed immediately 1. Is {$5900.00} 2. {$260.00}
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

XX/XX/2021 Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/2021, XX/XX/2021 for my USAA account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my XXXX and XXXX that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify. 

Thank you for your consideration. 

Have a blessed day!
Consumer complaint received 2020-12-16
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: Experian Information Solutions Inc. (CA)

XX/XX/2020, I sent a certified letter to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX requesting verification of the debt I allegedly owe. In addition, I sent dispute of the balance to all three major Consumer Reporting Agencies ( XXXX, XXXX, and Experian ). I never received a response back for the information I requested. From my understanding I have a right to dispute this information and receive a response. The Fair Credit Billing Act ( FCBA ) lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute. For easy read I am pointing out the following inaccuracies : The account has not been properly noted the account was and is being disputed. Secondly, from my understanding Metro 2 is the industry standard used to help maximize possible accuracy. The following fields are not being reported or being reported inaccurately. Field XXXX XXXX Account is reporting inaccurately, because the account number XXXX has been redacted ( Report the individual 's complete and unique account number as extracted from your file ). The account number is redacted and could be any range of numbers belonging to anyone. This is also, a possibility of this being a mixed or merged account. Do not include embedded blanks or special characters. Field 25-Date of First Delinquency is incomplete, because no Date of First Delinquency is being reported on this account. Field 26-Date closed is incomplete, because it is not being reported. Field 27- Date of last payment is incomplete, because it is not being reported. Additionally, this account has not been marked for dispute when I sent the letter disputing the debt. 15 U.S.C 1681s-2 ( B ) ( 3 )
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AK)

I have tried for several years to challenge a letter that Midland Credit XXXX has been sending for many years, claiming they I owe money to " XXXX XXXX  XXXX ''. 
I have never had an account with any such company, and have made repeated attempts ( see attached ) asking them to verify the debt and demonstrate what services I signed up for that generated this action. 

I have even challenged this thru XXXX, but the answer I always received is " verified ''. 
Midland Credit refuses to tell me what the bill is for, and what services generated this debt? 

I have also circled the bottom of the recent Midland Credit form, telling me that the bill is past the statute to limitations.
Consumer complaint received 2020-06-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (CA)

On XX/XX/XXXX, my wife and I signed documents for a loan with XXXX XXXX  XXXX in the amount of {$66000.00}. We paid on this loan for several years until the economic downturn took place here in California around XXXX. It is my understand the loan transferred from XXXX to XXXX, then to Green Tree and then to Ditech. Unfortunately, I do not have any account information with the exception of the original lien that was filed with the XXXX XXXX County Recorders Office ( see attached file ). The last piece of information I remember seeing from Diteck stated they were no longer pursuing this loan. My ex has told me this loan was paid in full and was part of a charge off from XXXX and a prior bankruptcy from Ditech. She does not have any further information, account paperwork or numbers. I am looking at refinancing the property and the attached lien is not allowing me to proceed. I have tried for over a month now to find ways make contact with any representative of Ditech to obtain information about removal of the lien. I have also reached out to XXXX XXXX and XXXX XXXX but they indicate they have no record of any loan or information linked to my Social Security Number. I have also spoken with an investigator out of the State of Texas who said he has had three other people contact his department with the same issue. He further stated, and XXXX XXXX has confirmed, Ditech has not forwarded any files which were closed or no longer relevant. I am hoping you can assist me in obtaining the account information and a reconveyance so I can proceed with my refinance.