davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rausch Sturm LLP (SD)

I was served a summons on XX/XX/year> by a XXXX XXXX at Rausch Strum law firm in Minnesota for a XXXX credit card debt. There is no case number but states it is a legal document filed at the South Dakota XXXX court. I called the XXXX clerk of courts and there is no case filed so I can't even file an answer to it. It also states that I will have a judgment against me if I don't respond. 
I allege that this violates the FDCPA in regards to I have no way to legally file an answer and it is threatening me with a judgment when there isn't even a legal case nor do they have the right to assume there would be a judgment since they are not guaranteed one if they do file a case. 

-The use of false representation or deceptive means to collect or attempt to collect ant debt or obtain information concerning a consumer. 
-The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 
-The false representation or implication that documents are legal process.
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NE)

I looked up my credit score on XXXX XXXX and on XXXX it says I have a SYNC/XXXX XXXX XXXX I had never applied too. And i think it might be lowering my credit score. Today is XX/XX/19
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (GA)

SageStream states on its website that disputes, requests for credit files, or requests to freeze one 's file may be submitted by fax to ( XXXX ) XXXX. Yet, after many attempts to submit a fax to this number over several days and a few different fax machines, all submissions failed -- the stated reason being that SageStream 's fax number was busy. The business seems to be engaging in false statements, namely that requests can be submitted by fax. They seem to force consumers to submit requests through regular mail which is slow and time consuming. In effect, they make the dispute/information request processes excessively difficult to deter consumers from accessing their credit files per the spirit of the FCRA. If this company wants to function similarly to the three major credit bureaus, it should be incumbent upon them to allow online access to credit files ... not restricting access to outdated, complex requests. Nor force consumers to pay for postage just to obtain a " free '' credit report or freeze.
Consumer complaint received 2023-04-10
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)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}
Consumer complaint received 2019-09-19
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. (PA)

XXXX XXXX XXXX OF XXXX is reporting that on XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2019-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a USPS money order in the amount of {$700.00}. I made the deposit to my account at the Bank of America ATM. A receipt was produced stating there is a 8 day hold ( 6 business days ). When I inquired, I was told that they have to verify that it is real. 

Bank of America can give me no better reason than that. I thought that the Availability of Funds Act stated that USPS money orders should be available the next business day.
Consumer complaint received 2019-05-24
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: Experian Information Solutions Inc. (NC)

I have amassed an excessive amount of inquiries in my credit report, and I do not recognize the majority of the inquiries. When I disputed them with the credit bureaus, they told me that I had to provide documentation to prove that I never authorized these companies to pull my credit. Well, of course I cant provide any documentation because none exists! I do not know these companies. The credit bureaus are not monitoring our credit, they are holding it hostage and refusing to remove invalid items. They will respond to you that they have acted within the their legal rights or something, but they will not resolve the situation. As a business owner, this is a big deal to me and has already cost our company a time sensitive chance for expansion that was worth millions, all because they cant keep their servers secure and expect me, a consumer, to provide documentation to correct their errors. But they sure want to charge us to view our own credit profile. The entire system is a joke and is not designed to help correct errors on credit profiles. They even sent me a letter acknowledging that my profile was suspected to have been affected by their data breach. They need to be regulated heavily since they handle such sensitive information that affects us.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

Requested $ XXXX check for home offer/purchase from our joint ( XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Citizens Access Savings account # : XXXX. 

Check issued on XX/XX/year> to me ; name spelled incorrectly. Called Citizens ; they advised to mail it back for them to cancel redeposit. 

I mailed check back ( to specificed XXXX XXXX XXXX XXXX XXXX, IL ) w/explicit instructions to redeposit/cancel, not re-issue ; online bank statement showed redeposited on XX/XX/year>. 

On XX/XX/year>, online account showed Citizens had removed $ XXXX from account, with description " check deposit returned. '' Have not received check via mail ( withstanding that re-issue wasn't asked for ). Have called numerous times ; Citizens has been unable to answer where our $ XXXX is. 

At most, since XX/XX/year>, Citizens periodically calls and asks us to " mail back check w/incorrect name '', even though we did so prior to XX/XX/XXXX, and have nothing else to send back.
Consumer complaint received 2019-05-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10 to 13 of the attached credit report. This account reports a {$XXXX} balance and {XXXX} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (NJ)

Ive called and sent registered mail to this company requesting something showing they provided services to me and I signed something approving anything. I call them and they want me to call another company to discuss their account. This doesnt make sense, the representative I spoke with ended the call because I refused to take another number to a different company to discuss their account. This has to be illegal. The company is AMSHER COLLECTION SERVICES
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

How can you report this account as Late Open when my record shows that this account was Balance is XXXX? Please correct this account immediately. Also, you are reporting an account that is deleted from another Bureau.

OAG CHILD SU XXXX*** Balance : {$0.00}
Consumer complaint received 2019-05-24
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: CITIBANK, N.A. (TX)

Dispute Details Dispute Date : XX/XX/19 Dispute Amount : {$320.00} Dispute ID : XXXX Declaration I prepaid in full XXXX to merchant XXXX, then i disputed it since merchant are late to ship the item and i don't want it. The dispute was not success, citi told me they paid the merchant, merchant said they never receive money from me. Then nightmare begins. 

Citi has been doing months to resolve this dispute case, but never success. 
I tried so many times to contact the merchant-XXXX, they currently blocked my phone and any phone that called them to seek solution. They refused to do anything, claimed they did not receive money from me, refused to send me item, refused to give me refund, refused to provide any documentation. 
I even stopped by the stores when I was in XXXX 3 weeks ago and asked for help. However, they treated me in very impolitely manner and refused to provide any information regarding this transaction and asked me to talk to my bank, which is citi. They told me they did not receive money from my name at all. And since I was trying to dispute the money, they refuse to provide any assistance or service for me. 

I really need assistance from you to investigate into this case. I was charged, never refund, never receive the item. I need my money back.
Consumer complaint received 2018-02-22
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: SLM CORPORATION (NY)

I contacted XXXX XXXX about a Sallie Mae hard inquiry found on my credit report, that i did not authorize. They said I should talk to Sallie Mae.I need Sallie Mae to remove this from my report.
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

A bank declined on my requesting of mortgage loan and credit card, because that Equifax has a wrong social security number associated with me. I keep trying to fix this for months. The bureau is not able to fix my issue. Their representatives saying that they are not able to access my file. No matter I called, mailed, emailed. I contacted Equifax for many many times. Please help to fix my identity record at Equifax.
Consumer complaint received 2019-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Acceptance Rentals, Inc. (GA)

I have no idea who Acceptance Rentals Inc is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Acceptance Rentals Inc is indicating that an account with the account number XXXX was opened with their company in XX/XX/2014. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Acceptance Rentals Inc as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ Acceptance Rentals Inc } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Acceptance Rentals Inc, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-10-07
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: PENTAGON FEDERAL CREDIT UNION (FL)

On XX/XX/2019 at XXXX XXXX EDT I have made hotel reservation with XXXX XXXX, XXXX, XXXX for 8 nights in the amount of {$580.00}. On the same day at XXXX XXXX EDT after reading unfavorable consumer reviews I have decided to cancel this reservation. The reservation was active for only about 3 hours. On XX/XX/2019 at XXXX XXXX EDT I have sent email to this merchant requesting a refund back to my credit card. This merchant has responded to my email next day indicating for the first time ever that reservation and rates are non-refundable. At this time I have decided to file dispute claim with PenFed Credit Union, my credit card issuer and sent PenFed all supported documentation which indicates that non-refundable reservation was never disclosed to me during the reservation and cancelation process because this merchant on its website just does not disclose any cancellation policy at all. 
On XX/XX/2019 my Credit Union PenFed has sent me a letter indicating that dispute claim will be closed in my favor and that credits for the disputed claim are now permanent. 
On XX/XX/2019 I have received another letter from PenFed Credit Card Dispute Analyst XXXX XXXX now threatening to re-bill my account and consider the case closed. 
The case has been closed already on XX/XX/2019 in my favor. To me closed means closed, permanent means permanent. Please help. Thanks very much.
Consumer complaint received 2019-10-07
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 — Their investigation did not fix an error on your report
Company: Diversified Consultants, Inc. (CA)

On XX/XX/2019 I sent Diversified a cease and desist letter and to date, they are still reporting collection activity to all three credit bureaus
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (WI)

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX the following violations have been discovered and commited in fact by, Ability Recovery Services LLC. These violations include to the following : Title 15 U.S.Code Subchapter 5 : Debt Collection Practices in its entirety, Title 15 U.S. Code 1692A through Title 15 U.S.Code 1692 ( P ) ( C ) 3 and Title 15 U.S.Code Subsection 1681b, Permissible purposes of consumer reports in its complete entirety.

As these violations are in fact proven as per physical mailed evidence, I the Consumer, am entitled to damages as stipulated by Title 15 U.S. Codes 1692 K. 
on XX/XX/2019 via Notary Presentment, I have sent correspondence to the alleged debt collector and have not received a response. In the event Ability Recovery Services LLC has documents or verifies that these violations are inaccurate, I as a Consumer, demand that they verify via Sworn Notarized Affidavits so I can know the person who has handled my dispute and to state That the alleged inquiry is in fact Compliant and is not Subterfuge.
Consumer complaint received 2019-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

For the past few years I have been almost entirely unemployed, and besides the time I was actually in college, my loans should have been under the income based repayment. I had no idea about the difference between IBR and forbearment and deferment. Instead of having my principle reduced and interest halted entirely, my student loans have increased due to deceptive behavior by Navient. Today I learned that interest should not accrue from IBR plan, and I remembered seeing an email recently about accrued interest. So I looked at my Navient account ans see DEFERMENT instead of IBR. On the IBR screen it is very tricky, it suggests I am on it because it says to contact them to exit it. All this time I thought I was on the IBR plan. It turns out, I was scammed. Also, it's not possible to proceed with IBR because it requires certifying on the site, which pulls IRS, and since I was unemployed, there are no IRS records. Therefore it can not proceed, and Navient refuses to help.

This is only the tip of the iceberg. Years ago I had returned to school thinking that, since I was unemployed, I was under a deferment or something. Turns out all were in default. So I reconsoliated with totally wrecked credit. Unfortunately, the student loan company neglected one of the loans into the reconsolidation, so years later after that I learned that that loan was still in default and my credit was destroyed. So, I solved that. Then the student loan company continued to report false information resulting in years of destroyed credit. Today one loan is left which will fall off my report in two years despite them reporting a false default which was years after I solved the reconsolidation issue that had also been their fault.

This is not even mentioning that their illegal practices and illegal  laws forbidding bankruptcy or any protections under the law for illegal moneylending practices and exorbitant interest.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

My account was closed without my authorization. I wasnt notified about this so I called synchrony bank to ask what happened and I was treated very unjust by the rep that took my call on XXXX XXXX I asked to speak to an account manager but the account manager would not cooperate in helping me and they hung up in my face. Horrible customer service experience plus the account manager that I spoke to hung up on me and I was unable to give any feedback back to their voice of the customer so no one else would have to be treated this way. They closed my account because they received an inaccurate credit report. Because of this my credit has severely dropped. I need my account reopen so I can restore my buying power. Those agent that I spoke to were very unprofessional with me and they need to become aware of their actions. I need an apology at minimum. I need my credit reopened, Ive lost my buying power and I need it. My account was closed because of an inaccurate credit report I have no delinquent payment in my credit history. Ive had this account since XXXX had XXXX line of credit now its gone like if someone stole from me. As a consumer its unfair treatment, its unjust for this to happen to and it need to stop