davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed XXXX {$390.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Critical Resolution Mediation LLC (MA)

Critical Resolution Mediation has harassed me for about 2 years now. They call from spoofed numbers and leave an " urgent message '' that I need to contact them immediately. These parasites then say things like " have you received your subpoena letter yet of wage garnishment ''? The first small, insecure man talking behind the phone told me they were going to take " everything I had '' and that I was going to " go to jail ''. A month or so ago another very classy lady called saying that they were taking me to court and said " why don't you pay your bills '' and kept repeating it over and over as I was trying to talk like a 6 year old. Recently I got a call from someone who sounded like her name was XXXX and she acted XXXX XXXX too. She was smacking her gums chewing on some XXXX or something when she called and before every sentence would make a sucking noise with her lips like she was on Love and Hip Hop or something. I've advised her that I was going to add my friend who is an attorney to the call and she repeated " attorney ''? And smacked her lips one more time. I told her to hold on as I was trying to put the phone on speaker so I can add the call and she goes off asking if I was the attorney. She then hung up as the call was connecting. This so called company has scraped the bottom of the gutter to find these employees. After the first call from there mosquitoes, I've began to record every call from that point on. I literally have recorded verbal evidence of them harassing me, threatening me with fake subpoenas and legal action, telling me they will contact my mother and sister and anyone associated with me in which they have and also disclosed personal financial information to them about me, and much much more. I've asked to be mailed verification of the so called debt that I owe in which they immaturely respond by talking over me and saying " why don't you just pay your bills ''. They call before XXXX and after XXXX. These tactics are in blatant violation of The Fair Debt Collection Practices Act ( FDCPA ) and I have luckily recorded every single call other than the first. I've also filed a police report with the XXXX, MA police department in which I have a copy of. I'm pretty sure they mentioned a debt from like 7 or 8 years ago which was payed off a long time ago. I'm still waiting on this " subpoena '' that they claim they've sent. They misrepresent themselves as legal representatives and threaten me with subpoenas and wage garnishments. They have disclosed my personal info to members of my family and even people who are not related to me.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NJ)

My name is XXXX XXXX and I am writing this complaint on behalf of myself. SYNCHRONY BANK is furnishing sensitive information without my permission to consumer reporting agencies. I sent them a notice exercising my right to opt out of the sharing of my non public personal information from being shared to any and all consumer reporting agencies and they responded saying it wasnt me and that a credit repair organization sent the notice. This is untrue and I see it as nothing more than non compliance from SYNCHRONY BANK which is very unprofessional. I've attached the letter I sent to SYNCHRONY BANK and what they sent back to me. SYNCHRONY BANK is now illegally furnishing my information remove the account immediately. I'm submitting a TCR complaint to the SEC for non compliance and mismanagement of my security information. The law says if a consumer gives notice of a gramm leach bliley act opt out request the corporation must comply within a reasonable time frame. It has now been over 30 days.
Consumer complaint received 2023-06-29
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. (DE)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-18
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct from erroneous reporting in my file is listed on my credit report : *XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Correct this reporting by revising the information provided. This account was paid as agreed and past due was already XXXX. Modify and perform any corrections or FIX this account from my file.
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019 I received an offer from my bank ( Chase ) for their Freedom Unlimited credit card. This offer appeared when I logged in to my Chase account.

The offer stated that I would receive a {$5000.00} credit limit and {$200.00} cashback if I spent {$500.00} within 3 months of receiving the card I accepted the offer and quickly received a reply that my card would arrive within 5 days. When the card arrived, there was no mention of the {$200.00} cashback bonus.

I called Chase and spoke to 2 reps and a supervisor but they all said there was no {$200.00} cashback with this card?

I then went to my Chase branch and spoke to a manager who made several calls but no one would admit they made a mistake.

I'm still waiting for some answers.
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: American Credit Acceptance, LLC (NC)

From the get go, I thought my APR was extremely high when I purchase the vehicle considering the fact my credit was decent and put down a payment. I was on time for my payments for a whole year and some change never missed a payment or was late and asked for an extension because I XXXX XXXX XXXXXXXX  and I wasnt working. So I just asked to have an extension for some time. I got back on track by taking out a loan. And I fell behind and I called to talk to someone about putting my payments on the back end because my payment was extremely high anyway which I couldnt understand. I talked to the rep over the phone and we came up with some payment arrangements and my vehicle was picked up two days later. I called to see why it was picked up bc there was an agreement and the other rep couldnt tell me anything or any reason why they dont have any record of the conversation or any type of notes of the conversation Ive had by the other rep that I spoke with. I tried working something out then on the phone and they told me there was nothing they could do unless I paid for the entire loan and I asked my about my belongings in the vehicle and he said he had no information on the third party tow company that they gave my information to without me consent.
Consumer complaint received 2022-08-18
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. (MD)

I sent a letter addressed to the EQUIFAX Credit Bureau requesting to conduct an investigation and correct the information being reported. The Equifax credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXXXXXX XXXX  XXXX XXXX XXXX Owed : {$0.00}
Consumer complaint received 2021-02-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (MI)

On XX/XX/XXXX I attempted to transfer from my Robinhood account to my bank account. These funds are shown as available via their site however when I attempted to make the transfer it said that withdrawals from this account have been disabled to this bank account. Note this bank account has had a monthly automatic withdrawal from my bank account into Robinhood for almost the last year. 

I immediately contacted Robinhood support to get this issue resolved. At this time only email support is offered. I received an automated message that I would receive a response in 1-3 days which did not occur. Instead, I received another automated message asking if I wished to keep my ticket open, despite responding yes my ticket was closed. I opened an additional ticket on the XXXX in response to this which I have not heard a response to as well. 

Gaining access to my available funds is critical.
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ID Analytics, Inc. (AL)

I sent via mail and by fax on XXXX XXXX to SageStream LLC that my freeze was to applied. I've yet to receive confirmation or any response for that matter that my request has been done. Thanks in advance
Consumer complaint received 2023-06-29
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I hope this letter finds you well. I am writing to formally request the removal of charged-off accounts from my consumer report maintained by your credit bureau XXXX I believe that these accounts are no longer accurate or valid representations of my credit history and their presence is unfairly impacting my creditworthiness. 

I have recently reviewed my consumer report and identified several charged-off accounts that are being reported. I understand that charged-off accounts indicate a significant past delinquency, but I am requesting their removal based on the following grounds : Outdated Information : The charged-off accounts in question have surpassed the applicable time limits for reporting under the Fair Credit Reporting Act ( FCRA ). As such, their continued presence on my consumer report is in violation of the FCRA guidelines. 

Inaccurate Reporting : I have reason to believe that some of the charged-off accounts may contain inaccuracies, including incorrect balances or erroneous reporting of the delinquency. This misreporting negatively affects my creditworthiness and does not provide an accurate reflection of my credit history.

I kindly request the following actions be taken : Investigation : Conduct a thorough investigation into the charged-off accounts in question to verify the accuracy and compliance of their reporting.

Verification : Provide verification of the charged-off accounts, including details such as the account balances, dates of delinquency, and any supporting documentation from the original creditors, if available. 

Removal : Remove the charged-off accounts from my consumer report if it is determined that they are inaccurate, outdated, or in violation of the FCRA guidelines XXXX 

Communication : Keep me informed throughout the investigation and resolution process, providing updates on the status of my request and any actions taken to address the charged-off accounts. 

I understand that the removal of charged-off accounts may impact my credit report and scores. However, I believe that the continued reporting of inaccurate or outdated information unfairly penalizes my creditworthiness. I trust that your credit bureau will handle this matter with the utmost care and in accordance with the applicable laws and regulations. 

I kindly request a written response within 5 business days to acknowledge the receipt of this letter and outline the steps taken to investigate and address the charged-off accounts. Please include any relevant findings or documentation supporting the actions taken. 

Thank you for your attention to this matter. I look forward to a prompt resolution that ensures the accuracy and integrity of my consumer report. Should you require any further information or documentation from me, please do not hesitate to contact me using the contact details provided above.
Consumer complaint received 2022-08-18
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. (MI)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020 I accidentally / by mistake sent {$400.00} to a wrong account. 
I called chase immediately to tell them I had mistakenly sent them to a wrong person if they can cancel the pending payment and return the money to my account so that I can send them to the right person. And chase has refused to give me the {$400.00} back. They allegedly said the person who received the {$400.00} transfer was negative so they used MY MONEY to pay their negative balance. I have tried to reach chase over 4 times and each time they say they paid SOMEONE ELSES NEGATIVE BALANCE with my money.
Consumer complaint received 2020-02-06
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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-07-27
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. (IN)

I hope this message find you well. I am submitting this compliant for the 4th time to follow up for the remaining items on my report which are unauthorized and were resulted from identity theft. Once more I am asking for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove any items listed on an identity theft report. Once again, please find the required documents to assist in the removing of the erroneous information which is being posted on my report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXX XXXX  XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} TRANSUNION  : XXXX XXXX XXXX Balance Owed XXXX {$870.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX