davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

In XX/XX/2022 I was alerted by my XXXX credit alerts that an account that was opened in my name and social had gone into collections. I opened my account to see that it was from XXXX XXXX XXXX who is attempting to collect the debt for XXXX XXXX XXXX. There are based out of Texas. A phone plan was opened in my name and social and never paid for. I am a victim of identity theft. But the phone number used to open the account was not mine. It was ( XXXX ) XXXX. Ive had the same phone number with T-Mobile since I was XXXX XXXX XXXX and that is XXXX. I did not open this account and have had several accounts opened out of Texas in my name. The amount owed is XXXX. This person living there has my information I assume and has been opening whatever they can in my name. A XXXX XXXX XXXX account was just opened in my name in PA as well. This is an ongoing thing that Im trying to stop because it is ruining my credit and my life. I had good credit before this and have been fighting for months to keep getting all these accounts being opened off of my credit.
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

ON XX/XX/2019 I RECEIVED A LETTER FROM SYNCHRONY BANK STATING THEY HAD DECIDED TO REDUCE MY CREDIT LINE FOR MY AMAZON STORE CARD FROM XXXX TO XXXX. THE REASON WAS BASED ON MY CREDIT REPORT HAVING TOO MANY ACCOUNTS WITH HIGH BALANCES. MY AMAZON ACCOUNT IS AND HAS ALWAYS BEEN PAID ON TIME. I HAVE SEVERAL CREDIT CARD ACCOUNTS WITH SYNCHRONY BANK. THEY ARE ALL IN GOOD STANDING AND PAID ON TIME. THERE IS ONLY ON ACCOUNT WITH DISCOUNT TIRE THAT I GOT BEHIND WITH THE PAYMENTS. I LET SOMEONE USE MY CARD FOR GAS AND THE CHARGES ADDED UP QUICK. THEY WERE PAYING THE BILL BUT LOST THEIR JOB AND THEY WERE UNABLE TO PAY THE MONTHLY BALANCE DUE AND I WAS UNABLE TO PAY IT. THE CARD IS IN MY NAME SO I AM RESPONSIBLE FOR THE DEBT. I HAVE MADE ARRANGEMENTS WITH DISCOUNT TIRE TO PAY THE ACCOUNT. BECAUSE OF THIS ONE ACCOUNT I FEEL THAT I HAVE BEEN TREATED UNFAIRLY AND DISCRIMINATED AGAINST. I USE MY AMAZON ACCOUNT ONLY FOR EMERGENCYS AND XXXX. I HAVE NOT CHARGED ANYTHING ON MY AMAZON CARD IN 6 MONTHS. I HAVE COMPLAINED TO SYNCHRONY BANK BUT HAVE HAD NO RESPONSE. I HOPE YOU CAN HELP. THANKS
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

For at least the last 2 years I have been getting double billed to 2 different credit cards for credit monitoring.

The accounts are associated to 1 social security number and Experian has seen fit to bill both cards the monthly membership fee.

For the past 2 years I have been billed {$26.00} to 2 different credit cards.

I would assume that credit reporting agencies would flag multiple accounts associated with a single SS number as possible Identity theft. This feels like a failure on both sides of this arrangement.

Mine for not catching this sooner and the agency for not having enough monitoring of their accounts to notice multiple accounts associated with a single SS number.
Consumer complaint received 2018-12-20
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. (NJ)

Good morning, I am currently serving in the United States XXXX XXXX and have been for 16.5 years. I am attempting to get a home loan. My XXXX children and I are living in a hotel while we wait for the below issue to be resolved. No one has been able to remove the information from my account. It is causing a serious hardship for my family. 

I had a loan account open from XXXX XXXX with an account number of XXXX. The account was showing late for the months of XX/XX/2018 and XX/XX/XXXX-XX/XX/XXXX. I have made the same account payment for years and was never reported as late on my credit report. I contacted XXXX and identified the issue. Nothing was done on their end and on or about XX/XX/XXXX, I submitted a dispute to XXXX, Transunion and XXXX. On XX/XX/XXXX, I received back the dispute and nothing was changed on my credit report between last Tuesday and today ( XX/XX/XXXX ) when the bureaus refreshed. I spoke with XXXX on XX/XX/XXXX and they notified me that codes were imputed into the system to let the credit reporting agencies know that I was not late and it should not be reported as such. XXXX has made the change in their system and notified the companies according to the agent however, it is not reflecting on my report.
Consumer complaint received 2022-07-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX 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
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I purchased a set of appliances with Home Depot in XX/XX/XXXXand have yet to received any indication as to when will my merchandise be delivered. I specifically asked a sales representative in store about the items purchased before purchasing if the items were in stock. I was told that if the items were available online that it is and should be delivered within a couple of weeks. I was going to place the order in-store however there was a few people ahead of me there fore I placed the order online instead on XX/XX/XXXX. Today, I still have yet to receive any correspondence from HD however, I have already received a bill due by XX/XX/XXXX for a payment of the purchased I haven't even heard from. Called HD and no time specific on when will the items be available. This totally breaks the special financing offer they claim to have if they are starting financing from the date of purchase and not from the date the item was delivered. What if upon delivery some of the items were damaged? Do I have to wait longer and keep paying?
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have been with USAA ( United Services Automobile Association ) for years and after I filed a complaint with the Credit Bureaus about Equal Credit Opportunity Act ( ECOA ), algorithm issues with regard to my credit scores, Fair Credit Billing Act ( FCBA ) - a lot of my creditors started to change my terms and conditions. There have been an unexpected increase in interest rate, was charged too much interest with USAA surprisingly. I have $ XXXX minimum payments which is unreasonable and I requested for an installment loan to pay the debt of faster - get the credit card back on track and was denied - there is inflexibility. It is a USAA rewards XXXX XXXX so I am not sure if XXXX XXXX is influencing USAAs decisions.
Consumer complaint received 2018-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

On XX/XX/18 a Validation of Debt request was sent to Fair Collections & Outsourcing on a debt they were attempting to collect for {$11000.00}. On XX/XX/18 an official dispute was mailed to Fair Collections regarding the same debt identified on behalf of XXXX XXXX XXXX in XXXX XXXX On XX/XX/18 a representative contacted our offices requesting an Identity Theft Affidavit which was immediately provided. On XX/XX/18, the Fair Collections representative advised the collection account was " on hold '' pending XXXX XXXX 's re-investigation ( and trust me, they have ALL of the needed documents too ). As of today, the account is now being reported to our client 's credit histories in clear violation of the Fair Debt Collections Practices Act. Fair Collections was previously in violation of the FDCPA when they reported a second fraudulent lease through another apartment community, in spite of receipt of all fraud documents, pending their re-investigation. This second account has now been cleared by the apartment community and reportedly removed from our client 's credit history.
Consumer complaint received 2023-03-09
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$960.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-03-16
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. (GA)

I have a few accounts on my 3 major reports that i didn't acquire. I also have inquiries I didn't authorize as well. I've tried to have these items removed and still no changes. I'm trying to move to another state and purchase a car and this has greatly impacted my ability to do that based on my credit score.
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

the bank has not helped me with a charge back money they owe me back from a claim i had closed back in XX/XX/XXXX. the merchant is from XXXX for the amount of {$1900.00}. the money was returned back from the merchant and the claim was closed. on XX/XX/XXXX, the bank charged me back the money for it. temporarily credit was never issued. the bank takes fault for this transaction and promises me to return back my money but they have not.
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is reporting a collection on my credit that I do not owe. I have no idea what this debt is for. XXXX XXXX did not send me any notifications. I have not received any letters in the mail or any phone calls regarding this debt. XXXX XXXX is in violation of my 30 day right to dispute as this has been added to my credit file. This debt needs to be removed.
Consumer complaint received 2018-12-21
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open:XX/XX/2016 Balance : {$12000.00} Company : XXXX XXXX XXXX XXXX Account XXXX XXXX Date Open:XX/XX/2016 Balance : {$1100.00} Company : XXXX  Account # : XXXX Date Open : XX/XX/2016 Balance : {$2000.00}
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (TX)

Date XX/XX/XXXX Amount XXXX I am just recently seeing this false statements on my credit as I was trying to get things done and noticed this has effected my life my family and stress level is through the roof. 

Date XX/XX/XXXX Amount XXXX Date XX/XX/XXXX Amount XXXX This has really been a lot on me and I'm asking for this to be removed off my credit
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Dear XXXX XXXX Complaints, I have been waiting for almost 6 months for Citi Card to resolve my disputes with XXXX XXXX, initiated on XXXX. There are 5 disputes in all, regarding the same installation dispute. Oddly Citi was able to resolve two in my favor -- D # XXXX for {$300.00} and XXXX for {$60.00} -- but the last 3 remain stuck " in progress. '' I am very confused why, with the same extensive documentation, expert opinion and clear proof that smaller cabinets were installed than what I agreed to pay for, that these last 3 disputes remain unresolved ; D # XXXX for {$1000.00} ; D # XXXX for {$1200.00}, and D # XXXX for {$240.00}. XXXX XXXX will not respond, and neither will Citi. 

During this dispute process, Citi has lost documentation, closed some of the disputes for taking too long to submit evidence ( really? ) after I sent and resent all requested documentation numerous times in numerous ways -- and then reopened the cases after hours on the phone in protest. Despite 8 phone calls, I can get no closer to a full resolution. 

I have included many attachments below that show the time lines, along with all of the proof that I have submitted to Citi regarding Closet World 's failure to install what our contract stipulated, and a letter I sent requesting that all the documentation I sent be applied to all of the open disputes. 

Thank you, I truly hope you can help me.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX is reporting 30 days late payments on my credit report for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Federal law states that late payments can not be reported until at least 30 days past due date. I contacted XXXXXXXX XXXX to confirm full payments were made before the 30 days for each incorrect reporting, dates listed below. XXXXXXXX XXXX refused to correct this error. 

XX/XX/XXXX due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I have had a Bankruptcy on my credit profile since XXXX and have asked the credit bureau to remove it on multiple occasions and how they are verifying it as I have reached out to the courts and they said that they are not verifying it. They will not show me proof of how they are getting this information and it is stopping me from purchasing my first home. 

I have been sending verification letters on the following dates : -XXXX   -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX
Consumer complaint received 2018-08-23
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. (TN)

The following account has been reported as a collection and was reported incorrectly. Please have credit bureaus to remove this, thank you : Please remove promptly. Thank you for your prompt attention. 

This is what I received : -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX, " XXXX '' XXXX Sent : Tue, XX/XX/XXXX at XXXX XXXX  Subject : XXXX ( XXXX ) XXXX URGENT [ ref : XXXX : ref ] URGENT Per client request, please close XXXX dos XXXX and XXXX with collections. The client sent the wrong insurance and per the VA, the patient isn't responsible.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX has reported on my credit file a repossession of a vehicle of which I have never financed. 
XXXX XXXX XXXX was incorporated in the state of FL on XX/XX/XXXX, of which the credit reporting states that XXXX XXXX  financed a vehicle under my name on XX/XX/XXXX, and repossessed on XX/XX/XXXX, this clearly represents fraud, how is this possible since the company did not exist according to the crediting reporting stating that I bought a vehicle on XX/XX/XXXX and was repossessed on XX/XX/XXXX. I owned a XXXX XXXX XXXX XXXX which was financed from XXXX XXXX, under my x-wife name and was awarded to me in the divorce settlement, in the state of Florida. 
This company doesn't legally posses a retail installment license, or fiance license in Florida to finance vehicle or make legal loans to consumers who purchase vehicle from other owned entities associated to XXXX XXXX XXXX.
Consumer complaint received 2019-09-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc. (WA)

I am XXXX XXXX  owner of a white XXXX XXXX XXXX 2 door.  The XXXX was financed thru Santander Consumer USA.  On XXXX XXXX they illegally towed my car and never returned.  They never provide me court order.  I was XXXX XXXX US XXXX when I got the car and remain active when the day they illegally repossessed my car.  I would like to submit a formal complain to the Santander Consumer USA.  On XXXX XXXX I receive order to deploy to XXXX XXXX XXXX XXXX XXXX and after that I was deployed to XXXX.  I am submitting this complain in order to get my jeep back.  Failure to provide me resolution I will move forward to sue the company in accordance with the SCRA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX WA XXXXXXXX XXXXemail: XXXXI would like to please the SANTANDER rep to call me ASAP.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/2022 I tried to see my credit report on XXXX and XXXX wouldn't let me see my free report. And also, on my XXXX  app my credit score or credit report hasn't been updated since XX/XX/2022 for neither Transunion nor XXXX.
Consumer complaint received 2018-12-20
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. (NJ)

Good morning, I am currently serving in the United States XXXX XXXX and have been for 16.5 years. I am attempting to get a home loan. My XXXX children and I are living in a hotel while we wait for the below issue to be resolved. No one has been able to remove the information from my account. It is causing a serious hardship for my family. 

I had a loan account open from XXXX XXXX with an account number of XXXX. The account was showing late for the months of XX/XX/2018 and XX/XX/XXXX-XX/XX/XXXX. I have made the same account payment for years and was never reported as late on my credit report. I contacted XXXX and identified the issue. Nothing was done on their end and on or about XX/XX/XXXX, I submitted a dispute to Experian, XXXX  and XXXX. On XX/XX/XXXX, I received back the dispute and nothing was changed on my credit report between last Tuesday and today ( XX/XX/XXXX ) when the bureaus refreshed. I spoke with XXXX on XX/XX/XXXX and they notified me that codes were imputed into the system to let the credit reporting agencies know that I was not late and it should not be reported as such. XXXX has made the change in their system and notified the companies according to the agent however, it is not reflecting on my report.