davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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. (AL)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (FL)

In my XXXX and XXXX reports, every 6 months or so, different collection agencies place a collection record for the same original creditor and when I file a dispute the credit bureau removes after investigation. This debt is not mine and I don't believe it is appropriate to have this repeatedly affect my score. 

Collection agency - 1 : XXXX XXXX XXXX for the original creditor XXXX in XX/XX/XXXX for {$350.00}, which was investigated and removed by both credit bureaus, since it is not mine. 

Collection agency - 2 : MRS ASSOCIATES ( MRSBPO ) for the original creditor XXXX in XX/XX/XXXX for the same amount of {$350.00}, which is being disputed now with XXXX and XXXX. 

I am concerned of the above, probably due to combination of reporting mistake or identity theft as it is not mine. This complaint is placed here since credit bureaus are not protecting me from this abuse by third parties and it is seriously impacting my credit score and livelihood.
Consumer complaint received 2020-07-20
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. (IL)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX U S DEPT OF EDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX They gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2018-06-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

A few weeks ago, I started to receive letters from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Ut XXXX claiming that I owe them {$290.00}. According to their correspondence, on XX/XX/XXXX this debt was assigned to them.The original creditor was XXXX XXXX and according to them I had a TJXRewardsMasterCard that was applied for and immediately a purchase of {$140.00} was charged on it at TJX on XX/XX/XXXX, on the same day and at the same time. 
The first week of XX/XX/XXXX, was the first time I ever heard of this situation. Not once did I receive any statements for a XXXX XXXX XXXX charge with XXXX XXXX. Additionally I never received an actual, physical credit TJX Master card. 
On XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX tried to contact me by phone, sometimes several times a day. I did not pick up at first because I thought it was a scam since they used local phone numbers, they also used a different phone number every time they called. 
On XX/XX/XXXX, I received 10 attachments via email : invoices I had never seen before. 
I requested a receipt for what was purchased, which I never received. 
I contacted TJ Maxx on Friday XX/XX/XXXX in an attempt to clarify the situation.I was referred to XXXX XXXX and was given a XXXX XXXX in XXXX FL to send requests to get my so-called application of XX/XX/XXXX. I also contacted XXXX XXXX today, XX/XX/XXXX in order to clarify the situation, I spoke to XXXX. If this debt were valid, I would have paid it the moment I got the first statement in the mail in the month following the purchase. I just received documents from XXXX XXXX today including an affidavit of fraud form, since this was recommended by the customer service agent of XXXX XXXX when I talked to them last Friday. It also includes terms and conditions of said credit card. On these it states '' We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. '' " Each account holder will receive a card. '' Like I stated earlier, I didn't receive any statements at all, nor a card. 
Please note, if I were sent a statement, I would have paid the amount in full, immediately. I am not out of integrity here.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I have been fighting reporting on my credit bureau for more than 5 years. I have explained I have no knowledge of this debt over and over again for them to remove the debt and then they sell it to someone else who then trys to collect all over again. The information I know is only due to the many times this has been attempted collection. In the state of Florida, this debt ( for whomever the owner is ) has far passed the statute of limitations and should be removed as uncollectable.
Consumer complaint received 2020-08-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

I came upon difficult financial hardship after going through a divorce and then losing my job in XXXX due to Covid 19. I feel increasingly behind trying to pay my bills and food. I contacted Amerihome during this time to see if there were any solutions or options that would help me keep my home. I was looking for work but due to the pandemic it was very difficult. Amerihome did not offer any options of forbearance or loan modifications. I was told I had to pay the arrears which left me hopeless. Amerihome was not helpful at all.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (TN)

I have Convergent Outsourcing Inc on my XXXX and XXXX credit report. I have disputed the info with Convergent Outsourcing they have not responded at all. I sent the dispute more than the 30 days ago and I have not received any response from them. The amount is XXXX that is reporting on. my credit. I have asked XXXX and XXXX to look into this matter and all they said was that it was verified. They did not do any real digging or an investigation into this matter. They simply used E-OSCAR to verify and validate the info. I am asking that since I have disputed the info and they have not responded that the account be removed from my credit report. We are in a pandemic and the credit bureaus are not doing their jobs by making sure credit reports are accurate for consumers. I am asking that the CONVERGENT OUTSOURCING INC. account be removed immediately
Consumer complaint received 2022-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NV)

I have been receiving collection notices for a credit card opened in my name, from someone in another state. I have spoken to collection co. Several times asking them to send me paperwork with my signature, anything to prove it is mine. I just received a bank statement copy which has no personal info.I was told by the collection, to file notice here. 
Cr.Card - XXXX XXXX XXXX  amt of {$880.00} act. Was opened in XXXX. Never received a statement from the bank at my address. The person who opened the act.is in XXXX, XXXX. I have never been there, lived there.I have been at the same add. Since XXXX. The same job for 21 yrs. Collection co.MCM.
Consumer complaint received 2021-03-02
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. (TN)

I have pulled my credit report and noticed there are numerous student loan accounts. I should only have XXXX is the only servicer of my student loans. I have XXXX student loans on my credit report that is reporting inaccurate information. They are saying that the account was delinquent back in XXXX but have no info on the report from when it was open. The accounts were open in XXXX but did not start reporting any info until mid XXXX. I have asked for this matter to be addressed. Transunion, XXXX nor XXXX has addressed this matter. I have disputed the info numerous times and only 1 account was removed from XXXX. All of the accounts associated with the Dept of XXXX should be removed immediately. It's showing late payments on my credit report and that the account has been transferred to now XXXX. The information on the report is inaccurate. The accounts were delinquent from XXXX to mid XXXX. The accounts are 7.5 years old and should be removed immediately.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (WA)

on XX/XX/20 I sent Experian a 609 letter to verify some accounts and hard inquiries on my credit report. After 30 days and no reply I sent a demand or comply letter to remove the items on XX/XX/20 .Experian is still reporting these accounts on my credit report. even after 30 days and no verification or reply.
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (DC)

I am writing in regards to my account with G.E. Capital Retail Bank, now Synchrony Bank, for a store ( Banana Republic ) XXXX card I had from XX/XX/XXXX- XX/XX/XXXX. 

In XX/XX/XXXX, this issue was resolved regarding uncredited payments ( see CFPB complaint case no : XXXX ). However on my most recent credit reports ( with XXXX and XXXX ), the information shows up again as a " Charge Off '' and that my information was sold to XXXX XXXX XXXX to collect my unpaid debt- a debt of which I am unaware. To my knowledge, I paid this account in full and closed the account. 

The floor supervisor in the Recovery Department at G.E./Synchrony, XXXX, researched the matter per my phone call today, XXXX XXXX. The alleged unpaid debt is a minuscule amount- $ XXXX and comes after my correspondence and phone calls with G.E. Capital Retail Bank paying the account in full and closing the account in XX/XX/XXXX. 

Furthermore, XXXX tells me that records show that the last statements were returned to G.E. Bank in XX/XX/XXXX. Though she is unclear as to why I would be receiving statements after my account was closed, she surmises that the {$11.00} is outstanding interest, though she can not be sure since the alleged debt has been charged off. 

Synchrony should transfer my account back from XXXX XXXX XXXX, the company to which my account was sold in XX/XX/XXXX. Please note, this sale of incorrect information was a year and nine months after I believed the account to be paid in full and closed! Furthermore, Synchrony should provide a detailed, itemized report of alleged outstanding debt. Finally, Synchrony should report to all XXXX credit bureaus that my account is " Pays As Agreed '' and closed at consumer 's request.
Consumer complaint received 2019-06-01
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. (NC)

XXXX FOUND 7 DATA BREACHES ON MY ACCOUNT!!! 
HOW DOES THIS HAPPEN? 
HOW DO I PROTECT MYSELF? 
Should I freeze everything for eternity?
Consumer complaint received 2016-11-24
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BARCLAYS BANK DELAWARE (NJ)

I 've been working with Barclays Credit Cards regarding Identity fraud that I have been a victim of. I have supplied them with information from the Federal Government, Federal Trade Commission, Consumer Financial Protection Bureau, United States Department of Justice, as well as my local police report. All parties agree that I was the victim of aggravated identity fraud and I was told by a fraud supervisor named XXXX after a multi-month investigation that I 'd be receiving a check in the mail regarding my credit balance. Several days later, a fraud investigator called asking more questions, this investigator named XXXX spoke with me and said he 'd issue refunds after he verified the police report. When I checked my account this morning, I was stuck with the bill for every single charge. This needs be addressed as I 'm now pursuing legal advice to move forward with a lawsuit if this is n't corrected ASAP.
Consumer complaint received 2020-07-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMW Financial Services NA, LLC (GA)

BMW Financial I've requested in writing multiple times the entire documentation available on the file including interest rate disclosures and copies of payments made and other historical accounting. Company either does not respond or when followed up by telephone says they will get to it eventually. because the items have not been produced in time in accordance with the fcra designer should be removed from my credit since they're not willing to back up their already fictitious filing on my credit
Consumer complaint received 2019-06-01
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

Filed a dispute with XXXX they claimed to have done a investigation and found that company portfolio recovery has complied with all FCRA requirements. 

Asked XXXX and portfolio recovery for method of verification which I have yet to receive. 

Both companies have sent letters stating they will not reply to my request and no longer investigate. 

My rights as a consumer have been dismissed. This is against the law. I have a right to a thorough investigation.
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT FROM XXXX XXXX XXXX. PARTIAL ACCOUNT # XXXX OPEN DATE XX/XX/2015. THIS ACCOUNT WAS OPENED WITHOUT MU CONSENT. I HAVE COMPLETED AN IDENTITY THEFT REPORT, BEEN DISPUTING THIS WITH EQUIFAX
Consumer complaint received 2019-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

They failed to provide me with any documentation bearing my signature, showing the account is being reported accurately or any copies of HIPAA authorization. An itemized document was send to me that does not match any amount billed for my hospital visit and even the name of the supposed original creditor was misspelled I have also verified with the hospital that my account is current and in good standing. I feel as though several violations have occurred here : Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Given all the complaints on XXXX about this company, this appears to be a scam..
Consumer complaint received 2020-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been trying to qualify my mother for XXXX. She is running out of money and will need to transfer to a XXXX XXXX XXXX. She has XXXX  XXXX XXXX XXXX with difficulty XXXX  and is XXXX  bound living in an XXXX XXXX XXXX. 
Capitol One Bank has been incredibly uncooperative in providing bank statements in order to satisfy the XXXX  5-year look back requirement. This is a requirement under the law yet they are refusing to provide it. My mother and I have spent no less than 5-6 hours on the phone with consumer representatives. They did send 8 months of bank statements but missed the other 29 months requested. Even though I have power of attorney, they would not send it directly to me so I spent 2 hours on the road to fetch what was an incomplete request. I received that correspondence XX/XX/XXXX so this has been going on for awhile. I hoping to move her into the new highly rated facility by XXXX while she can still private pay. These delays and lack of cooperation are putting her at risk.
Consumer complaint received 2022-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I submitted an initial request for a refund on my paid off student loans under the cares act for payments made after XX/XX/XXXX, and the initial request did not go through. After submitting a second request through a follow up call on XX/XX/XXXX, the customer service representative quoted me an estimated 6 months or 120 business days before I would receive my refund. Other individuals and companies have quoted 30-45 days and so I believe that with the deadline of submitting for a refund request on XXXX this is not an appropriate timeline to process the refund.
Consumer complaint received 2019-06-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WI)

Filed a dispute with Equifax they claimed to have done a investigation and found that company XXXX XXXX has complied with all FCRA requirements. 

Asked Equifax and XXXX XXXX  for method of verification which I have yet to receive. 

Both companies have sent letters stating they will not reply to my request and no longer investigate. 

My rights as a consumer have been dismissed. This is against the law. I have a right to a thorough investigation.
Consumer complaint received 2020-08-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2020, I opened a 3-month CD account with TD Bank. The contract was due to mature on XX/XX/2020. In early XXXX, I proactively called the TD Bank hotline after receiving a letter of notice indicating that the CD will be automatically rolled over to another 3 month contract if I do not take action on the maturing contract. The letter specifically gave me two options - either to call the TD helpline or visit a local branch. Given the pandemic situation and reduced hours of branches I naturally reached out to the helpline on two occasions - XX/XX/XXXX and XX/XX/XXXX ( when I received the letter ). On both occasions the staff said that they will note my preference on my account and that the CD would not roll over. To my horror, I looked into my account today to see what was going on as the funds did not transfer to my bank account as expected, and saw that TD had in fact rolled this over into a new account AGAINST MY REQUEST. I called the helpline again and they refused to entertain my request on the basis that all CD-related requests are to be handled by a local branch employee. I then contacted a local branch employee who dismissed me as having been ignorant of the fact that all CD requests should have gone through a local branch to begin with, and that I will have no other choice but to pay the penalty if I want my funds withdrawn. I want to make this clear that at no point during the two times that I called the helpline in XXXX and early XXXX was this explained to me, and the letter clearly listed the helpline as another option to have my request processed. This involves funds that I have an immediate need for and the fact that I went proactively called ahead of time and instructed for the accounts not to roll over did nothing to avoid the consequences of their sloppy and unprofessional mishandling of a simple request. I ask that this be investigated and my funds be returned to me as soon as possible without the attendant fees and penalties. Thanks
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NJ)

Since XX/XX/2020, I have been trying to obtain the outstanding balance of a debt that is in collection, so that I can pay it in full and have wage garnishment stopped. Due to the pandemic I will most likely be out of employment so I'm trying to resolve this debt for good. I contacted the firm to get a settlement amount and was advised that it was not an option and that I had to pay the current amount owed in full. This law firm has not returned emails sent to them on XX/XX/2020, and XX/XX/2020. I have made calls on a almost daily basis. When they call me back they do not leave a message, or if I pick up the call drops. When I go on their website to find out my payment history from the wage garnishment, it does not show payments credited to the account or the outstanding balance on the account.
Consumer complaint received 2023-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (VA)

I received a pre-screened offer in the mail for a Chase Sapphire XXXX card with a unique invitation number, implying that I had been individually pre-approved for this card. When I applied I was declined. This immediately knocked 6 points off my XXXX XXXX which will make credit more expensive to me in future. Also, the enquiry will be on my credit history for 2 years making it more difficult for me to obtain credit cards from other providers.