davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I have submitted a request with Experian to have a collection account removed. I do NOT have a contract with the collection agency trying to collect the debt, therefore it is inaccurately being reported on my credit report. The collection agency also accepted the terms of an agreement for the alleged debt when payment was accepted. This account need to be deleted. In a prior complaint Experian stated this account was not referenced on my credit profile. However it is still listed. I also never received any credit report from them showing the deletion. They are the only credit bureau being difficult in this matter.
Consumer complaint received 2022-02-17
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. (FL)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (TN)

I traveled to XXXX on XX/XX/2021. Communications in my family village are difficult ; I had no internet connection and unstable phone connection. 

On XX/XX/2021, SunTrust sent a fraud alert to my email, but I could not access my email in XXXX. My daughter was monitoring my email account in the United States and informed me via XXXX of the alert. I called my XXXX teacher, who has helped me in many ways over the past seven years, including setting up my email account, and asked her to respond to SunTrust. I authorized her to access my email account and respond for me to inform SunTrust that this was fraudulent activity. She replied to the alert notification on XX/XX/2021 ( copy attached ). 

Despite that timely response, SunTrust continued to allow these fraudulent withdrawals, sometimes 10 in a single day. A cycle of this began, and notwithstanding our continued emails to SunTrust, we could not put an end to these transactions. In spite of my best efforts and those of my friends and family in the United States, before SunTrust froze my debit card, a total of {$5700.00} had been fraudulently withdrawn from my account by an entity identified on my bank statement as XXXX XXXX. I also incurred over {$100.00} in overdraft fees, because the withdrawals continued to occur even after my account had been drained to {$0.00}. I have highlighted the fraudulent withdrawals on the attached bank statement copy. 

Because of the severity of this situation and my inability to get it resolved, I returned as soon as I possibly could from XXXX. I visited the SunTrust branch in XXXX, XXXX, along with my XXXX teacher and initiated a claim. Upon the suggestion of the SunTrust banker I met with ( XXXX XXXX ), I filed a police report ( copy attached ) on XX/XX/2021. 

Even after my continuous efforts to resolve this issue, SunTrust has denied my claims of fraud, and they refuse to refund the fraudulent withdrawals.
Consumer complaint received 2018-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Chase closed all my credit card accounts, checking and saving accounts.in XX/XX/XXXX. I contacted them once before, and asked them why do they close my account. They said they can not see reason behind, but that is their decision. I do not understand what's worng with my account. I have been using Chase over 5 years.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (CA)

Results Report Number : XXXX Date Generated : XX/XX/XXXX DIVERSIFIED CONSULTANT Account This item was removed from your credit report. Please review your report for the details.

View your Report | View your credit score Deleted + 'icon ' Deleted Results Report Number : XXXX   Date Generated : XX/XX/XXXX XXXX XXXX Account This item was removed from your credit report. Please review your report for the details.

View your Report | View your credit score Deleted + 'icon ' Deleted XXXX  Inquiry Date : XX/XX/XXXXThis item was removed from your credit report.

View your Report | View your credit score Deleted + 'icon ' Deleted XXXX  has not taken these off of my credit report like the others have
Consumer complaint received 2022-02-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

On XX/XX/XXXX XXXX, XXXX and XXXX failed to produce an investigative report on PORTFOLIO RECOVERY ASSOCIATES accounts posted to my consumer report. It is a violation of my consumer credit rights on a debt I have never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of XXXX and XXXX to the taxpayer by XX/XX/XXXX of the following year. XXXX XXXX ( the original creditor ) used my social security number to file IRS form XXXX to report XXXX XXXX XXXX without my authorization. This account has been reporting on my consumer report since XXXX of XXXX. This is far more than enough time to produce sufficient evidence of filing correct IRS forms because true documentary evidence is not in statements by the original creditor nor is it a credit card agreement. 

XXXX XXXX XXXX XXXX Colorado, XXXX XXXX. XXXX XXXX XXXX # XXXX file no. XXXX Portfolio Recovery Associates Inc, Plaintiff, dismissed the case against Defendant, XXXX XXXX in XX/XX/XXXX after defendant answeres the complaint
Consumer complaint received 2020-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (AL)

Companies involved in filing this fraudulent claim against me twice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount of fraudulent claim : XXXX On XX/XX/XXXX and Individual : XXXX XXXX fraudulent used my SSN to obtain cellular Service from XXXX XXXX in XXXX, AL. Her birthday, address and name did not match mine, which leads me to believe that no one asked to see her identification before granting her this fraudulent account. In XXXX I joined XXXX XXXX and noticed a collection had been filed against me by XXXX XXXX XXXX. I was successful in removing this from my bureau at this time. However, they filed the same claim against me again in XX/XX/XXXX through XXXX  XXXX  through XXXX XXXX  XXXX  again i was made aware of this through XXXX XXXX. I am in the process of removing this claim again. So far, I have had to verify where I lived in XXXX, file a police report, and provide them with a copy of my birth certificate and driver 's license. I also had to provide them with my address, an address i have lived at for 34 years. Since providing them with my address they are now sending correspondence to XXXX XXXX, ( the person that used my SSN # to obtain the account placed into collection ) to my address. I did not open the correspondence and placed return to sender no one lives here by this name on the envelope. Surely, there are steps i can take to stop them from continuing to ruin my good name and credit. I am a XXXX XXXX XXXX woman, working as a real estate agent during a pandemic as an essential worker, caring for an XXXX XXXX XXXX mother, while maintaining and running my home. This is beginning to wear on me. I need help. Please advise of my rights and provide me with any information you can to make these people leave me alone. 

Thank you,
Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2020 I sent a letter to Chase disputing a credit card debt and made an offer of settlement. I sent the letter to the address on back of my monthly statement that was solely designated as their " dispute '' address. The letter was received as per the USPS certified mail receipt. I included a check in the amount of {$1900.00} as and offer of settlement. On the check I wrote " PAID IN FULL BALANCE XXXX ( XXXX ) IF CASHED. In addition, I disputed late payments reported to the credit reporting agencies that were in dispute also. Chase cashed the check and continues to send me statements. The most recent statement has a " new balance '' of {$2000.00} and is due XX/XX/2020.
Consumer complaint received 2019-11-18
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: EQUIFAX, INC. (FL)

my credit was pull from this company I don't recall and don't recognize the name of the company is Equifax Mortgage Services XXXX XXXX, NJXXXX
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CO)

Barclays Bank of Delaware was made aware that it was opened fraud. I did not open this account and I asked that it be deleted from my info. I sent them a copy of the police report and sent numerous letters. they were suppose to delete this from my info and not report as closed and still left it on my credit report. there should be laws governing these type of maneuvers by consumers against people who file complaints. I have spent years trying to get this company to remedy this complaint. I have sent the following documents listed below Copy of Police Report copy od Drivers Kicense Copy of Social Security Card Numerous Letters
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (LA)

I would like to submit a complaint against ( Afni Inc ) regarding unknown account ( s ) ( XXXX  ) in the amount of {$670.00} reporting on my credit report ( s ). ( Afni Inc ) reported and placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Afni Inc ) never provided me with notice nor did ( Afni Inc ) mail me any letters or communicate with me in any manner regarding this alleged account ( s ) ( Afni Inc ) is reporting on my credit report ( s ). On or about XX/XX/2018 I mailed ( Afni Inc ) a certified, registered and tracked letter via the United Stated Postal Services requesting debt validation of the account ( s ) ( Afni Inc ) is reporting on my credit report ( s ). ( Afni Inc ) has not responded but continues to report the unvalidated and unverified unknown account ( s ) on my credit report ( s ). The reporting of the erroneous account ( s ) /entries on my credit report ( s ) by ( Afni Inc ) are detrimental to my overall credit rating and has caused me severe financial and XXXX XXXX and XXXX.
Consumer complaint received 2018-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have two credit card accounts that are open, current, and in good standing with XXXX XXXX XXXX XXXX. 

Neither one of these accounts is listed on my XXXX XXXX credit report. 

I have contacted both Capital One and XXXX XXXX to have this problem fixed, in writing, but with no results. 

I need to have both of these Mastercard Quicksilver credit card accounts to be listed on my XXXX XXXX credit report.
Consumer complaint received 2018-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC (FL)

This company, never notified me, emailed me, I have frozen my credit reports due, to losing my wallet, and a home invasion years ago, I have never had XXXX..as I use a antenna, with aluminum foil on the ends. I researched this company and saw, they have been known to just give a Bill 3 weeks ago they began calling, me threatening to take my XXXX check, I told the lady, on the phone. I didnt know who she was or the company, at all
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-05-03
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)

I was asked by XXXX bank to give my SSN, as part of the XXXX process for a credit card application for a Business. I communicated to XXXX bank the card is for a Business, and the Business is its own multi member corp, trading for tax purposes as a corp due to multi member. The banker at XXXX, assured me the CREDIT card is under the name and federal EIN of the business, and my perosnal credit report, will not be affected. The bank lied. Now three years on the Company who owns the credit card, is in a court lawsuit. Littigation is before a judge, in AZ superior court of law. Arizona civil court file number XXXX XXXX Civil court. Link here. XXXX : XXXX caseNumber=XXXX Due to legal advice, and circumstances, the company XXXX XXXX XXXXe represented by a Securities attorney for white coller crime XXXX XXXX whos name also appears on the Docket number, has told XXXX XXXX XXXX not to pay credit card, as conflict dispute exists in court between the Business vendor, the debts on the card, were acrrrued on behalf of. XXXX XXXX XXXX ... and the Business, XXXX XXXX XXXX. 

XXXX despite making representations my credit will not be affected, has gone ahead, and reported the Business credit card for XXXX XXXX XXXX, XXXX as a personal individual debt, to at least Experian and transunion as {$10000.00} owing and unpaid. This is AGAINST the law. Potentially all three credit agencies have miss information being presented to them by XXXX and agencies are XXXX aware of the false report on my credit as delinqunet and past due, on a " Company credit card '' XXXX is reporting as PERSONAL. XXXX is markng it as an unpaid personal debt - on a {$10000.00} credit card under my name, when the ACCOUNT itself with XXXX card services is under XXXX XXXX XXXX and in leagel dispute in Court of Law. " XXXX XXXX XXXX XXXX '' the debt belongs to not me. This is unethical practice by a bank. In addation credit agencies have FAILED to validate the name on the Credit card account and are reporting it as XXXX XXXX, when it is in fact a Business card not a personal card at all. Also, I live in California, a state where XXXX was successfully sued and lost in the lawsuit for calling its customers on Cell, in conflict with California state laws. Despite advising XXXX, I do not want to be called on my Cell, and I live in California XXXX continue to call me. This is unlawfull, as I have withdrawn all consent for XXXX to call me on a personal cell.
Consumer complaint received 2022-02-17
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-07-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CA)

Account : XXXX This company has been harassing me since I finished paying my Chapter XXXX Bankruptcy.I was late two months and phone calls and even letter saying that my piece of junk, they call it car, could be repossessed. I know that, for not paying they could definitely do it. My last phone call with them I explain that I would bring account current by the end of XXXX, I made three payments, last one will be withdrawn from my bank on XX/XX/18. I explained that due to loss of a family member and my brother loosing his job to give a break! They still mailing me this harassment mails to simply remind me or scare me, not scare at all, it is all paid and next due date is not yet.
Consumer complaint received 2020-07-27
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)

FRAUDULENT INFORMATION IS BEING REPORTED AND THE REPORTING AGENCY IS BEING NEGLIGENT DESPITE ME SUBMITTING POLICE REPORTS AND THEFT AFFIDAVITS
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Synerprise Consulting Services, Inc. (TX)

hi, My name is XXXX XXXX and I want to complain about a matter handled by synerprise debt collection.I paid the debt and they said that they will issue me the credit deletion letter.This was about a month back.The lady at the customer services desk got my email and told me to give her her the security PIN to open the email attachment which she will send at my email.It never happened! Despite my repeated reminders and requests, synerprise will tell me that I willreceive the credit deletion letter within two days .Its been over a month now and I haven't received the credit deletion letter.

Please look into the matter and get it resolved ASAP!

My Cell # is XXXX XXXX XXXX
Consumer complaint received 2021-05-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (GA)

Management Refused for XXXX years on providing information on who closed my XXXX bank account and possibly drained XXXX funds after XXXX passed away. Was told XXXX someone submitted documents stating my XXXX remarried which was a lie and that he had all rights to her money as well as my XXXX. XXXX XXXX XXXX was an attorney XXXX fired because XXXX neglected his client and now caused me to become a victim based on forged documents.
Consumer complaint received 2020-07-27
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: EQUIFAX, INC. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, Company Inquiries : 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 2018-05-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (TX)

This case started in XX/XX/XXXX when I received a bill from GM Financial ( Acct # XXXX ) stating that I owe a Miscellaneous Receivable of {$90.00}. After calling GM Financial and asked for explanation, I received a copy of a collection bill from XXXX XXXX XXXX, XXXX from GM Financial ( Exhibit A ). After receiving numerous bills for the {$90.00}, I sent a letter to GM Financial ( Exhibit B ) dated XX/XX/XXXX requesting validation per Fair Debt Collections Practice Act. GM Financial continued to ignore my request by sending more bills in request of payment of the {$90.00}. To avoid any negative marks on my credit report, I paid it. Now it is XX/XX/XXXX, and GM Financials process has started again. In XX/XX/XXXX, after a phone call asking for verification of a {$230.00} Miscellaneous Receivable bill, I received a package from GM Financial of three statements from XXXX XXXX XXXX, XXXX totaling the {$230.00} ( Exhibit C ). On XX/XX/XXXX, I mailed a Certified Letter to GM Financial asking for validation of their validation process ( Exhibit D ) in relation to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. As a result, I received a regular bill dated XX/XX/XXXX stating a Miscellaneous Non-Taxable bill stating the same {$230.00} and no explanation to certified letter sent ( Exhibit E ).
Consumer complaint received 2022-02-17
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: NAVY FEDERAL CREDIT UNION (NY)

Balance was paid off in XXXX of XXXX, dispute was filed immediately after, with no changes coming from the dispute. In XXXX, the balance is still being reported with a {$0.00} balance shown as 120 days late. They are falsifying information.