davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

In XXXX I have purchased multiple commercial lawnmowers for our XXXX XXXX XXXX. I have had repeated issues with the lawn mower, that the manufacture would not support even though it was under warranty. This was a large purchase around XXXX for the lawnmower. I have also tried to reach out to Synchrony Bank as well for support with no resolution. The lawnmower was unusable and after a few years I stopped making payments. The lawnmower was about 80 % paid off already. I stopped making payments around XX/XX/XXXX. Synchrony / XXXX is still being reported on XXXX XXXX XXXX. I have multiple times contacting the credit bureaus and they refuse to remove this outdated derogatory item.
Consumer complaint received 2019-11-13
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. (IA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Javitch, Block & Rathbone LLC (IN)

I was looking online and found a Motion for Default Judgement for failure to appear in court. It is noted that I was served at an address I have not been in the vacinity of for nearly 2 decades. I believe this to be an attemp to prevent me from disputing the debt by purposely sending mail and court inormation to a place that I do not reside. These individuals are using unscrupulous, deceptive, and probably unlawful tactics to obtain a judgement for money I do not owe. Filing a complaint with the Indiana/Ohio Bar Association is next.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax Credit Bureau continues to report XXXX XXXX, XXXX a Fraudulent Identity Theft account. I spoke with XXXX, representative with Equifax who stated that " XXXX is the original credit reporting account and that they do not have an account number. '' I asked to speak with a Manager who could give me accurate information and was transferred to XXXX XXXX, manager with Equifax. XXXX XXXX stated " this has been disputed and verified before and can not be disputed again. '' I asked XXXX XXXX to provide me with information as to how a fraudulent Identity theft account was verified by Equifax. XXXX XXXX stated " the company XXXX verbally verified the account and that it could not be disputed again. '' When I asked XXXX XXXX to send to me in writing the verification process of XXXX XXXX fraudulent identity theft account. XXXX XXXX stated that " he has given me all the information he can give. '' He then terminated the call.
Consumer complaint received 2023-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (IL)

Im  making this complaint against SOURCE RECEIVABLES MANAGEMENT for identity theft. I have never given SOURCE RECEIVABLES MANAGEMENT any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SOURCE RECEIVABLES MANAGEMENT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SOURCE RECEIVABLES MANAGEMENT continues its collection efforts, I will file for litigation for actual damages caused and SOURCE RECEIVABLES MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

I was traveling internationally in XXXX, XXXX when this charge occurred. I purchased two small rugs at what should have been a total of XXXX rupees ( roughly {$120.00} USD ). The vendor said they would package my rugs and receipt to take on the plane. 

However, when I saw my credit card statement in the subsequent weeks ( after arriving back to the US ), the vendor had charged me XXXX rupees ( roughly {$1200.00} USD ). There was no receipt packaged with my rugs and no way to contact the vendor directly. 

My next step was to dispute this charge with my longtime credit card provider, but the claim was denied because they are " unable to accept estimated amounts. '' I was pretty upset about for a few reasons : 1. we use this card frequently, keeping and making payment on fairly substantial credit amounts 2. more importantly, it is an estimated amount because of the conversion rate! The vendor 's offer was in rupees, which according to today 's ( XX/XX/2023 ) exchange rate, is {$120.00} at XXXX rupees. The rate for XXXX rupees at the time of the charge ( according to my statement ) was {$1200.00}. 

I am disputing {$1000.00} which is a lesser amount when compared with recent conversion rates.
Consumer complaint received 2024-03-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (PA)

XX/XX/2024 I visited an atm by Pnc Bank, which I'm not a customer. I used my XXXX XXXX  card to retrieve money from my account. I just got out the hospital and I'm physically XXXX. So I went to reach for the money and couldn't reach it. I tried to get out my vehicle as fast as I could but the atm shut the metal door and ate my money. I filed a dispute and they are not trying to return my money. I called pnc who gave me the run around to call my bank I did file a dispute they denied me. There is a camera and proof that they took my money. I need help please.
Consumer complaint received 2022-04-29
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (NY)

They refuse to process my application I called them to tell them I have a fraud alert and they need to do verification they refused very nasty to me all for a credit card unbelievable they dont care for me the applicant the consumer told me to wait
Consumer complaint received 2024-03-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (CA)

I opened a Cd with Wells Fargo Bank their 11 month CD advertised several months ago, advertised insured to {$250000.00} by FDIC. It Bothered me that the CD was not able to Display all the CD NOS assigned when opening like a normal savings, checking account and supposed CD that was opened. On XX/XX/25 I printed the attached verification of funds with the bank, and it instructed me if accounts are missing to call the bank XXXX If an account is not listed, please contact customer service at XXXX This I did and was very concerned with the behavior exhibited towards the resolution of this matter. 

I am even more shocked since that time they have reclassified this CD under Investment. I did not make any Investment I opened a CD. I am even more shocked to see this as I have highlighted Insurance and INVESTMENT products are not FDIC INSURED. I simply do not know what kind of game wells Fargo is playing here. I have a cash CD insured by Wells Fargo NOT A NON INSURED INVESTMENT AS THEY HAVE MADE THIS TO APPEAR TO BE IN THE LAST FEW DAYS. Assistance is requested to Investigate and protect consumers accordingly.
Consumer complaint received 2024-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (NJ)

This correspondence is to notify XXXX XXXX XXXX that there are fraudulent account ( s ) resulting from Identity Theft being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''.

15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Furthermore, XXXX XXXX XXXX debt collection practices are in violation of the FDCPA. Please see attachment for further details.
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (TX)

I was notify by text that the debt Collector LNVL Funding LLC wants me to pay XXXX debts, XXXX in the amount of {$3700.00} which I have already dispute through XXXX on XX/XX/2024 under the reason that is not my DEBT. The other one in there amount of {$3200.00}, which originally my debt was {$2700.00}, with XXXX XXXX XXXX  through his credit card # XXXX. XXXX. 
I start by finding why they ask for this collection, and the only clue that I have is that they bought from XXXX XXXX XXXX  my original debt in the amount of {$2700.00}. 
I request consideration for a hardship discharge of this amount. I am experiencing a severe financial hardship, as a result of the pandemic, I lost my job that I have maintained for several years.I am XXXX  years and will turn XXXX this coming XXXX. Although I have been desperately trying to find a part-time and full-time employment, I have not been able to secure even an entry level position. 
Currently my only source of income is Social Security retirement. After paying my modest rent, I do not even have enough to get all my groceries, prescriptions or personal care items. Most of the time i must go without my basic essentials needs. 
Please consider this request for a hardship discharge of this debt. 
I don't know address, nether telephone number, nor to whom address my petition, that is the reason that I am writing you about this debt. 
Thank you.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have multiple creditors reporting inaccurate information on my credit report. I have disputed these inaccuracies with the credit bureaus for almost a year since I began in XX/XX/XXXX. The credit bureaus have eliminated some inaccuracies, but there are over 5 creditors on my report in collections and reporting accounts. These creditors have been discharged through bankruptcy court and some are just not mine. The bankruptcy has been removed from my credit report, but some creditors still remain even though they have not submitted any new information to the bureaus since XX/XX/XXXX. This information is hurting my score thus preventing me to get approved for a mortgage which is crucial at this point. I have contacted the creditors and they have stated that they removed it from their files, but the credit bureaus have to do it also on their end.
Consumer complaint received 2021-01-28
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: BMW Financial Services NA, LLC (FL)

Bmw dispute My XXXX XXXX at XXXX XXXX was on the side of the road in a flood. The road side assistance left me stranded until XXXX XXXX on a XXXX XXXX. They never picked up my car until XXXX XXXX in the morning but it was too late the police towed it. I had to pay that tow and another tow to the XXXX XXXX. I take care of my mom because she has XXXX so my money is limited right now. They took 2 months after several calls and emails to give me back my money they even sent the wrong amount only {$300.00} they took forever to correct it and put the late charge of my XXXX that month on my credit. I was not sure if the car would be fixed or a total loss as well they shouldnt have done that the bmw rep told me that they would not harm my credit or o would not have to pay if the car was a total loss as well.. Now XXXX I was in XXXX 2 months due to my mother catching covid. The phone system I called when I was in XXXX to make the payment it did not put my payment through. I have had this car 3 years and never been late 2 months. I did not realize the payment did not go through. I have a new job With the irs and can pay the bill Im employed that is not the issue. They got my dispute for XX/XX/XXXX late just now because it was lost two times because they said they never received it. So I sent it priority mail. they took long to resolve the XXXX issue and now they are saying due to me being late now in XXXX they are not taking the other late report in XXXX. Using the other situation to try to justify their incorrect reporting. Yes someone can be a slow payer but Im never over 30 days. Its because I take care of my household and my mothers home its over whelming all the medical cost and all the bills. The phone system before I called one day before the final day to be paid before a fee would be charged and it would not go through! I called 5 times it is extremely long the automated service process when they are closed. I feel they do this to charge you extra fees. Its too ironic. The lease agreement for roadside assistance says the tow is included I want to report the hassle for the reimbursement and the late report incorrect report to my credit.
Consumer complaint received 2022-04-29
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: The CMI Group, Inc. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 Section 602 States i have the rights to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my wriiten instructions.

15 USC 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 2020-07-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

After filing complaint # XXXX earlier today, I looked at my old records. 

With XXXXXXXX XXXX it was in fact a XXXX instrument starting in XX/XX/XXXX. 

I couldnt find a a way to amend the last complaint, but because SPS took over the servicing in XXXX, all contract agreements would be the same. 

So why is this no longer considered a XXXX, or XXXX, or XXXX XXXX   instrument? 

For the first time, I saw a complaint response from years ago, and SPS is incorrect. A re-affirmation agreement was made, but in 1 month it isnt going to matter anymore. I believe that SPS did not do the transfer correctly.
Consumer complaint received 2018-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAVALRY INVESTMENTS, LLC (TN)

In XX/XX/XXXX, I settled a debt with XXXX XXXX. The debt was initially sold to XXXX XXXX XXXX, XXXX. I have received threatening phone calls regarding unpaid debt, and as it stands, this is the only account in collection ; a violation of FDCPA. I am to believe this debt collector has outsourced their call center from numbers not associated with the debt collector. Not only that, the debt has been re-aged and appears to have gone into collection in XX/XX/XXXX instead of XX/XX/XXXX. I am requesting the item be immediately removed as a result.
Consumer complaint received 2022-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I became a victim of identity theft couple of years ago. After that incident 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 from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

I have contacted this company and asked them to cease and desist collection because the account doesn't belong to me. They removed from my credit profile, waited a few months and then started back reporting. I have a letter stating they would remove it. I am filing a complaint to get them to have them cease and desist and sent back to creditor to find out who account it really is
Consumer complaint received 2018-02-06
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. (MD)

PER MY CREDIT REPORT IT IS SHOWING THAT I HAVE BEEN ATTACHED A BANKRUPTCY THAT IS NOT MINE AND NO EVIDENCE HAS BEEN PROVIDED TO ME. ALSO I HAVE REQUESTED INQUIRIES TO BE REMOVED THAT ARE FRAUDULENTLY PLACED ON MY CREDIT REPORT AND NOTHING HAS BEEN DONE. 
I sent a LEGAL Notarized affidavit to EXPERIAN, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For EXPERIAN, to Provide physical verification of the original signed consumer contract. I demanded from EXPERIAN to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Consumer complaint received 2021-01-23
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: JPMORGAN CHASE & CO. (OH)

A car loan was taken with my information used without permission. An ex partner and I purchased cars on the same day - 1 purchased by them and I purchased my own. It appears that the dealership did something unauthorized and placed my name on paperwork for both vehicles and had me sign all paperwork presented as belonging to the vehicle I was buying that day. I left the room while they signed their paperwork. A loan is showing with us as co-owners, which should not be the case. I have opened a police report and investigation with the company but was told that since we had insurance together that it couldnt be inaccurate. The vehicle was never owned by me and I should never have been listed on the loan. I became aware of the loan having my information when a credit alert for a late payment was sent to me. Throughout the investigation that the company did for my complaint, I requested a copy of loan paperwork 3 separate times but was never provided any of the paperwork. I have been working for nearly 2 years to resolve this issue, since I was made aware of it, with no luck and no fair follow up. The report is inaccurate in that my information should never have been attached to it and no one is helping to resolve.