davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
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. (VA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-10-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL (NV)

I requested a Covid 19 extension from the lender for 3 months in early fall XXXX. I requested a second extension for XXXX and XXXX of XXXX. The paperwork for the extension agreement had not come initially and it took weeks of phone calls trying to get them to email ( personal and work ) and send to my home mailing address. Anyway after many phone calls and email I finally got the initial one for the early fall and I signed it and mailed it in and by this time it was XXXX. 

Moving ahead, same multiple phone calls to this company and the second extension did not arrived. I then received a notice from a collector for the lender. Arrangements were made to settle the loan and an amount lesser than the loan balance. I received a letter from the collector in XXXX ( unfortunately I do not have a copy as it is in California in storage ) and requested a second proof letter on XXXX which is attached showing paid in full. Proof of payment on XXXX is attached. See the letter they sent me XXXX that says there is still a balance. However, when I call their customer service/title department they acknowledge that it has a XXXX balance and is settled in full. 

In the interim I have disputed with the lender because they were not sending my title after I requested the title on two separate occasions one in XX/XX/XXXX and again in XX/XX/XXXX. I was told the title would be mailed to me in Nevada even though the motorcycle is registered in California which is where I also bought it. Each time I have moved I notified the collector/lender. 

I am at my wits end. I had XXXX XXXX XXXX on XXXX and am still on XXXX. Every time I try to get this issue resolved, it stresses me out and is not good for me. I don't know what else to do and need some help. That is why I am reaching out to you. In fact, I've had witnesses when I call them and they have seen how often I get transferred around. Its horrible. Please help. I'm providing as much documentation as I have with me. Unfortunately, I am in XXXX, NV because I got sick here and had to have XXXX. I am not a permanent resident of Nevada and am currently staying with a friend while I attend doctor appointments.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (TX)

i have disputed this account multiple times with RS Clark and assoc. they have been extremely uncooperative and would not provide any information regarding this account, even when given over 30 days to do so. this account does not belong to me and I have provided documentation on multiple occasions to show this.
Consumer complaint received 2022-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (PA)

I am writing this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft. I demand that you remove the items listed to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given this information to you, please correct my file or I shall proceed with getting my attorney involved!
Consumer complaint received 2021-10-20
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: SYNCHRONY FINANCIAL (GA)

I received a phone call concerning my Synchrony Bank XXXX XXXX Visa Card, I received a phone call from XXXX, XXXX - XXXX. Synchrony bank called me stating there was a credit balance showing an excess of {$1.00}. There is a billing error, any error is defined as a billing error. There is a misrepresentation of character amount showing {$1600.00}, i need documentary evidence on how this extension of credit was made. 

This is a notice of Billing error, i need documentary evidence personal goods were delivered.
Consumer complaint received 2018-10-17
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. (MN)

I have disputed the late payments on this XXXX XXXX XXXX XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc. (FL)

Revolut blocked my account right after I deposited XXXX dollars into it and is refusing to unblock it until I send them screenshots of my XXXX XXXX with a number for a card that I do not have. I tried to explain to them that I do not have this card ending in those 4 digits but they are saying that they can not release the hold on my account until I provide them with photos. They are asking me to provide them with something I do not have, and am therefore at a stalemate with them. XXXX XXXX changes the card numbers whenever you link and unlink a card. There is no way to give them the information they request. Please intervene on my behalf.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (PA)

Hello Reader. Thank you for allowing the submission of the complaint. 
While reviewing multiple credit profiles, the abundance of student loans has reflected severely on the credit profile. Fed Service Loan has overseen the placement of interest daily accruing debt. Understanding funds are dispursed at different times within the terms of the promissory note. The account numbers are mimicking one another. The failed practices are decreasing my credit, along with my creditworthiness. Fed Loan Service Co is no longer a service provider for the Department of Education. Failed continued actions have assisted with the decline in the score.
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (CA)

So Ive been at an all time low with surrounding neighbors targeting my credentials by utilizing my credentials and me noticing how everyone sorrounding me have to get within a certain perimeter to be able to utilize XXXX XXXX and web activities to purchase materialistic expensive technology to essentially be able to get away with it for almost a little over a year now! Im certain theyve gotten loans and devices that can be tacked and traced for which I hope you can understand that I want full prosecution for its only destroyed this entire year!!!!!!!! Please when possible Im available for more information that I have stored in SIM card if you can get ahold of me personally at XXXX
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (KS)

In accordance with the Fair Credit Reporting act XXXX the Accounts proceeding, has violated my rights. 

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. 

Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed. 

XXXX XXXX XXXX Account number XXXX Account status XXXX XXXX sold to ; XXXX XXXX XXXX XXXX Original creditor Comments Transferred to another lender Purchased by another lender Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Closed This account is passed the statues of limitation period in Virginia. Also In Virginia, the applicable statute of limitations for credit card debts, mortgage debts, and medical debts is five years. After the statute of limitations has expired, a creditor or debt collector can no longer file a collection lawsuit related to that debt. XX/XX/2021 Debt Type : Deadline in Years Credit Card : 5 Auto Loan : 4 Oral : 3 Responsibility Individual Terms 60 Months Contact info Address po box XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX. 

XXXX XXXX CT GA XXXX Reference number XXXX Record type Bankruptcy chapter XXXX XXXX XXXX XXXX CT GA XXXX XXXX XXXX : If the Chapter XXXX plan is dismissed, If a bankruptcy case is dismissed, the legal affect is that the bankruptcy is deemed void. Dismissed or adjudicated for XXXX years, the Fair credit Reporting Act mentions nothing in Section XXXX relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed XXXX never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section XXXX ( a ) ( XXXX ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AWA COLLECTIONS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-01-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from collections and was informed that I needed to make a payment for XXXX XXXX XXXX XXXX. I have never lived there in my life and was confused with what was happening. I then decided to pull my credit and saw many fraudulent accounts under my name. These accounts do not belong to me. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX, XXXX. 
XXXX {$120.00} XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX {$300.00}
Consumer complaint received 2022-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NY)

CAINE & WEINER violated my right on XX/XX/2022 I recently got a message on my XXXX XXXX and XXXX credit report that I had a collection account CAINE & WEINER. I have never received notification Pryor to seeing the account pop up on my credit report. there in violation of 15 U.S. Code 1692c i have no knowledge of this debt or the original Creditor. Also the XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX, CA XXXX and is not allowed to collect Debt in New York State XXXX CAINE & WEINER Opened XXXX XXXX, XXXX  Account number unknown Balance {$490.00} on XX/XX/2022 Original balance {$490.00}
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NC)

On XX/XX/2020 chime bank closed my account due to a deposit made to my account from the unemployment of Indiana. They gave me no explanation only to email me that my account was closed and I needed to provide documentation on where the funds came from. I emailed a pua reward letter, proof of address, a picture of my id and a picture of my social security card. They are requesting wages from Indiana when this is a pua covid 19 relief case I am only to get a response from chime support through email, they proceeded to tell me I did not have valid documentation. I then requested for chime to send me a refund check because they can not just hold my funds. All the emails say the same they are unable to review my account and give me a resolution. Chime took my unemployment funds during a worldwide pandemic and I am not able to pay my bills and chime is refusing to refund my money. I have proven my identity I have sent in my unemployment reward letter and they are stating it is not valid, I spoke with several supervisors and they all say the same they have never seen anything like this.
Consumer complaint received 2023-07-21
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 am writing to submit a formal complaint regarding inaccurate information on my credit report as reported by Equifax. On XX/XX/XXXX, I contacted Equifax to dispute the following inaccuracies on my credit report. However, to this date, I have not received a response from them. I am providing the details of the incorrect information and the required corrections below : The following account is not mine : XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} ). Please remove it from my credit report. 


The account XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$250.00} ) has inaccurate evidence. The Balance of {$250.00} reported by Equifax does not correspond to the lower amount that I remember. The Past Due amount should not be provided for a closed account that was charged-off. As this misinformation has significantly affected my credit reputation, I plan to resolve this matter with my creditor. Therefore, I request that Equifax marks this account as disputed to prevent further damage to my credit score. 


The account XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) is inaccurately reported. The Balance amount of {$1500.00} is inflated and incorrect. I believe that the amount owed is lower than what is reported. Additionally, Equifax 's inclusion of a Past Due amount for this closed and charged-off account is inaccurate. I intend to address this issue directly with the creditor to rectify the misrepresented information. Therefore, I request Equifax to mark this account as disputed until a resolution is reached.
Consumer complaint received 2018-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: STERLING JEWELERS, INC. (MD)

On XX/XX/XXXX, I entered the XXXX XXXX  in XXXX at XXXX, located in XXXX MD. Upon entering the store, I picked out a few pieces of jewelry and proceeded to the counter, I offered the clerk my credit card ; which I've had since XXXX and have no late payments ; after processing my transaction, she proceeded to tell me she had to call in the charge, the amount was below {$300.00} and my credit limit is {$4000.00}, I thought it was strange, but waited. After a few moments the store clerk gave me the phone, the person on the other end told me that because of the state of my credit, they would not be able to process my transaction, and that they'd be closing my account, that day. I did not give XXXX XXXX  permission to check/run my credit, they did not have my consent, or my knowledge that it was even happening. 

I have no late payments to this account, I pay every month, on time, and can't understand how or why this happened. To date, I have not received a letter explaining this decision, as companies often do when you're denied credit.
Consumer complaint received 2021-10-20
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: DISCOVER BANK (TX)

Hello, months have gone by and I still havent received remedy for my complaint. I have been ignored and taken advantage for several months. Discover Bank has falsely and inaccurately reported a late payment to my credit reports on XXXX XXXX.When I asked the executive office to prove that they have permission to report anything and especially an experience between us to someone or another company ; XXXX XXXX of the executive office of customer advocacy then proceeds to send me an email with a member card agreement. I Have a screenshot attached of the email with the date stated by him. Discover Bank has violated my rights as a consumer put in place by the government in the FCRA. Pursuant to the law 15 USC 1681a 2Ai it states : Report containing information solely as to transactions or experiences between the consumer and the person making the report is to be excluded. Stated by Congress a person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency or any other entity. A late payment is a transaction between the consumer and the person ( corporation ) making the report. This company reports to the credit reporting agencies. Congress says the transaction and experiences between the consumer and the person making the report is not to be included in your consumer report.
Consumer complaint received 2020-12-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

Hello, and I hope all is well. XX/XX/2020, letters were sent to addressed issues : While reviewing the credit profile to Experian/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party XXXX XXXX XXXX  XXXX to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2022-05-04
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: United Collection Bureau, Inc. (GA)

Im accordance with the Fair Credit Reporting Act. XXXX, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

United Collection Bureau account number : XXXX 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 adversevitem of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif the person knows or has reasonable cause to believe that the information is accurate
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (CA)

My complaint is against a collection agency that is trying to collect on an old debt that was paid for in full after it went into collections. I was never notified by mail or phone call about this. So now its been over nine years and I found out about through all three Credit Bureau 's. This Collection agency /Trident Asset Mangement is saying I owe {$2800.00} and refuse to remove it. So I got a hold of ( XXXX ) since they are the once 's that i had service with. XXXX now has no account listed with me since the debt was paid and is 9 years old. XXXX suggested that since its off the chart for me not to pay ( XXXX XXXX XXXX XXXX ) anything and to report it.