davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (CA)

Credence Resource Management reported a delinquent account on my credit report for {$70.00}. I told them that this was identity theft. They said that it's for a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska. I told them that I have never lived there or visited there in my life. I called XXXX XXXX myself and they said that they only do online disputes with a police report. That since they merged with XXXX XXXX XXXX, they can't file a complaint over the phone and that they only have limited access. I filed a police report with the XXXX of XXXX and they said that it takes some time to get a copy of the police report. The collection company refuses to delete this account from my credit reports. The collection company should be able to verify and dispute the account themselves, since they are the ones reporting it delinquent to my credit. I am in the process of applying for a home loan and this has derailed everything. This is a living nightmare. XXXX & XXXX XXXX should be held accountable for not fully verifying the identity of the person when this account was opened. I'm sure that I'm not the only victim.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have reached out to remove XXXX XXXX from my credit report since I reached out to XXXX XXXX and they have not provided any debt validation for this debt. If they can not provide the CFPB a contract that I have signed with XXXX XXXX then I would like this item removed from my credit profile. 

The name of this company is incorrect as on my equifax report it's stating that the name of the company is " WESTERN HOLDINGS GROUP '' But the name of the company is XXXX XXXX. This is a clear violation of section 609 for providing inaccurate information on the credit report.
Consumer complaint received 2024-04-05
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P. (CA)

Resurgent Capital Services reached out to me with a debt collection notice for a debt that is not mine, but is registered to a family member. The notice mentions that I have 30 days to respond or else the debt is assumed to be mine. This debt is not mine, and is confirmed by the original debt lenders to be someone else of the incorrect social security number and contact information. To write on the letter that it would " virtually '' be assumed to be mine even though it is not, then to make me use their website and log my personal info like social security in order to see debts is unfair business practice. I am requesting cease and desist communications with me. Company Resurgent ID : XXXX
Consumer complaint received 2022-11-30
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I sent a notice of dispute and documents, they signed for them by mail and I have not heard XXXX word, nor has anything been changed on my account.
Consumer complaint received 2022-11-30
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: Medical Data Systems, Inc. (NC)

XXXX continues to report fraudulent account information on my credit report and refuses to actually verify the information. They will not provide any physical evidence of a actual investigation and they will not accept any documents proving these accounts do not belong to me thats over XXXX, basically any documents on a standard piece of paper would be, under their guidelines too large for them to accept! This is absolutely crazy! This has been going on for 3 years, the stress and damage they have caused is mind numbing.
Consumer complaint received 2022-01-25
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. (AL)

I sent a identity theft report twice to XXXX, XXXX, and Transunion and these fraudulent accounts and inquiries are still being report, I am a victim of identity theft I demand these unauthorized items be deleted.
Consumer complaint received 2024-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I filed a dispute for {$5600.00} in XXXX with citizens bank, there was multiple transactions at a time being withdrawal from my account by a company I used to do business with. I explained to the people on phone that during that time I was in surgery for XXXX XXXX XXXX and was out for couple days. I told them I had proof and dates and times. I also contacted the company that took the money they told me to contact my bank to resolve the issue. Which I did. Multiple times. Ive been with citizens for awhile now. Im a single father, I havent been able to pay no bills with my card because my account is now in the negatives. Never in my life have I ever had to file a dispute with any bank. Now that fraud was in my account I cant get my money back when I told I wouldve been covered for it. Im asking for help from you to please get my funds back. Ive been nothing but honest and been working with the company citizens bank.
Consumer complaint received 2024-04-05
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: TRUIST FINANCIAL CORPORATION (LA)

-I made a settlement in XXXX of XXXX to XXXX XXXX They are still saying I owe them {$890.00}. I have proof and they still will not remove this from collections. 

-Regional Acceptance is stating I made a late payment in XX/XX/2023. I did not. 


According to the 15 U.S.C. 1681 law, there should not be any damages on my report. I am in the process of purchasing a home and I seen all of this still on my credit report!
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

I was contacted by FAIR COLLECTIONS & OUT, they stated that I owed {$330.00} to XXXX XXXX XXXX   after I moved out 2 years ago. I called the apartment, they said they do not have anything on debt on file. My attorney requested a court order that was never received. I tried to call them, they said they never received the letter from my attorney, but somehow they have attorney 's name on file. 

Address of FAIR COLLECTIONS & OUT XXXX XXXX XXXX XXXX XXXX, MDXXXX P : ( XXXX ) XXXX
Consumer complaint received 2024-02-12
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. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/2022, Capital One Bank has closed my 3 credit cards with no valid reason with no notification. my total credit card limit was {$8100.00} and available balance was {$6500.00} on total 3 credit cards, i have my auto payment set up to accounts. 

cancelling credit cards will affect my credit score will decrease huge point which i find not fair.
Consumer complaint received 2017-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

On or abou t J  XXXX   XXXX  , 2017, I checked  my credit report and there 's a debt for Portfolio Recovery,     XXXX   XXXX   XXXX   ,   XXXX   XXXX ,  XXXX , VA  XXXX  in the amount of {$1500.00}, original creditor is listed as  XXXX  ( I assume it 's for  XXXX   XXXX   XXXX   ), whic h I thought was charged off.     The problem is, I have NEVER received anything from this collection agency. I 'm in the process of disputing with  XXXX  and  XXXX . Are n't they supposed to contact me prior to just placing a collections on my credit report?
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX  {$3900.00} XXXX XXXX XXXX  {$1900.00} XXXX  XXXX bank {$630.00} XXXX  XXXX {$570.00} XXXX {$0.00} XXXX department store {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX XXXX bank {$2200.00} XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX bank XX/XX/XXXX 15 USC 1602 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1666 b 15 USC 1681e ( b ) 15 USC 1681 i ( 5 ) 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 6802 15 USC 1692 ( C ) Privacy Act of 1974 Family and educational act of 1974 codes and infractions each reporting company has violated on behalf of the FCRA and privacy act of 1974 & family educational act of 1974
Consumer complaint received 2019-04-04
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Contacted Santander Consumer & was told a letter needed to be mailed to dispute the amount owed. Letter mailed no update has been received by all 3 credit bureaus. 
Santander has not reported to the bureau since XX/XX/XXXX which at the time the balance was approximately {$18000.00}. It is now XX/XX/XXXX the account balance is now approximately {$8000.00}. There has not been an update.
Consumer complaint received 2020-02-26
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 pull my credit because every time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulent made without my consent. Please remove these accounts from my report. 

XXXX XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$290.00} XXXX   XXXX {$49.00} XXXX  XXXX {$680.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00}
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have reached out to remove XXXX XXXX from my credit report since I reached out to XXXX XXXX and they have not provided any debt validation for this debt. If they can not provide the CFPB a contract that I have signed with XXXX XXXX then I would like this item removed from my credit profile.
Consumer complaint received 2022-11-30
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. (GA)

Please be advised I am not disputing the accuracy of the public record. 
I want the public record deleted because the FCRA Laws not being followed by the companies below. 

In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX ) ( LCI ) 1 ). 15 USC 1681 section 602 A. States I have a right to privacy. 

2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 

3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act ( XXXX  XXXX included in the Bankruptcy Act ). 

Please see attached companies who violated the law and them explaining how they broke the laws.
Consumer complaint received 2019-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (PA)

My federal perkins loan provider ( University Accounting Services, {$1200.00} ) changed my " in-school '' status to " out-of-school '' while I was still in school. I officially graduated in XX/XX/XXXX, but on XX/XX/XXXX I discovered through a credit check that I had missed 5 payments to University Accounting Services. Once I discovered this I paid the loan in full, including late fees ( {$48.00} ) and asked them to remove the complaints from my credit record. I was told they would look into it but I have not heard anything since. I emailed them on XX/XX/XXXX and was once again told they would look into it. I was supposed to have a 6 month grace period, so my first payment should have been due in XX/XX/XXXX.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Expressing my deep concern and frustration regarding the unresolved dispute concerning my account with Sam 's Club XXXX XXXX, managed by Synchrony Bank. On XX/XX/2024, I sent a dispute letter requesting that my account be zeroed out due to the receipt of documents supporting my claim. This dispute letter was sent via certified mail with tracking number XXXX. However, to my dismay, I have not received any response from Synchrony Bank regarding this matter. 

Despite my efforts to resolve the dispute in good faith, it appears that Synchrony Bank has chosen to ignore my request and continue to pursue monthly payments and add fees to my account. This disregard for my dispute and insistence on collecting payments without addressing the underlying issue is both disappointing and unacceptable. 

I expect Synchrony Bank to fulfill its obligations under the Fair Credit Billing Act and promptly investigate and resolve the dispute in accordance with the law. Ignoring my dispute and continuing to impose fees and collect payments while the matter remains unresolved is a violation of my rights as a consumer. 

I urge Synchrony Bank to take immediate action to rectify this situation, including but not limited to : Zeroing out my account balance in accordance with the documentation provided in my dispute letter. 
Ceasing all attempts to collect payments and add fees to my account until the dispute is resolved satisfactorily. 
Providing me with a timely and transparent update on the status of my dispute and the steps being taken to address it. 
Failure to address this matter promptly and appropriately will leave me with no choice but to escalate my complaint to the appropriate regulatory authorities and seek legal recourse to protect my rights as a consumer. 

I trust that Synchrony Bank will take this matter seriously and work swiftly to resolve the dispute to my satisfaction. I look forward to receiving a prompt response and a resolution to this issue.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Certified mail return receipt shows Transunion received my dispute letter on XX/XX/20 at XXXX XXXX, signed by Transunion representative. See attachment. According to federal law, they have 30 days to investigate or the items should be deleted. 30 days has passed since they received my dispute letter. The negative items should be deleted, according to federal law - not reinvestigated.
Consumer complaint received 2020-02-26
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 was informed by my father that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support or even been put on child support. I started to investigate and I was told that someone has given my name and social security number to claim money monthly. This person has the wrong person. I decided to pull my credit report and it showed the exact same thing and three other accounts with many inquiries that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2024-04-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (FL)

Yes, I bought a 2022 XXXX and I was approved for the terms of credit not even XXXX month after I had the vehicle the XXXX called me demanding that Ive brand a vehicle back because I was not approved, but that was not the terms that we agree upon it was a fraudulent contract. I was forced into sign in the contract and they did not specifically explain everything to me. They didnt tell me that I have the right to resend. They didnt fully explain it to me.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I noticed unauthorized bank transactions on my account. On the very same day, when I noticed these unauthorized transactions, I immediately notified Citi Bank and followed all the steps with the fraud claims department. 

Approximately {$1500.00} was stolen from Citi Bank account, by a company called XXXX. These transactions started in XX/XX/XXXX and each item is {$28.00} each. 

On XX/XX/XXXX, I noticed only a small portion of the unauthorized transactions was returned to me. When I called to inquire about the rest of the funds, the Citi Bank representative told me that there was not enough to dispute the claim in my favor. 
The Citi Bank representative did not tell me who conducted the investigation and how they conducted the investigation. 

On XX/XX/XXXX, I filed an Identity Theft report with FTC to further prove my innocence. 

As of now, I have not received the rest of my money and I have not received an adequate response from Citi Bank. My claim has been denied due to irrelevant information and a lack of a thorough investigation. 

Please have Citi Bank restore all unauthorized funds to my account, as this has caused me financial and emotional distress.
Consumer complaint received 2020-02-26
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. (FL)

I HAVE NO RELATION WITH THE ACCOUNT DISPUTED, THIS ACCOUNT HAS BEEN REPORTING NACCURATELY ON MY CREDIT AND SINCE THEN BEEN DAMAGING MY CREDIT HISTORY AND SCORE. PLEASE INVESTIGATE THIS MATTER AND HAVE THIS DEROGATORY ACCOUNT OFF MY CREDIT FILE.
Consumer complaint received 2020-02-26
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. (FL)

I was made aware of 4 accounts on my credit report that do not belong to me. The only reason I discovered them is because I am trying to rent an apartment and today XX/XX/20 I applied to rent an apartment and i did not get approved because of these accounts. I did not open any of those accounts and I have never allowed anyone to open those accounts in my name. I did not benefit anything at all from these accounts nor did i make any purchases or payments towards these accounts. I have filed this report to the best of my knowledge and I also filed a police report.
Consumer complaint received 2020-02-26
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. (FL)

I was made aware of 4 accounts on my credit report that do not belong to me. The only reason I discovered them is because I am trying to rent an apartment and today XX/XX/20 I applied to rent an apartment and i did not get approved because of these accounts. I did not open any of those accounts and I have never allowed anyone to open those accounts in my name. I did not benefit anything at all from these accounts nor did i make any purchases or payments towards these accounts. I have filed this report to the best of my knowledge and I also filed a police report.