davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report  which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A 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 SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX, I purchased a mattress from Mattress Firm located at XXXX XXXX XXXX in XXXX, TX ( Store # XXXX ). I paid for this purchase in full, using my Visa credit card. I merely asked the sales representative, XXXX XXXX, if they offered any zero interest financing for the purchase and what the length of repayment would be if I were to decide to finance. He told me he would need to check what offers are available, and he asked for my social security number. After a few minutes at his computer, he tells me that they are offering 6 months No Interest if Paid in Full within 6 months. I replied that I'd rather just pay for the mattress in full that day, instead. At no point in our conversation were the words, " credit card, '' " application, '' nor " line of credit '' EVER mentioned, and I thought no more of the subject. 

Five weeks later, on XX/XX/XXXX, I was surprised and confused to find a welcome email from Mattress Firm congratulating me on my new Mattress Firm Synchrony HOME Credit Card. After then receiving a credit card in the mail from Mattress Firm & Synchrony Bank, I decided to go into the store to speak with XXXX XXXX as to why I would have been signed up for a credit card with Mattress Firm, against my wishes, knowledge, and permission. He claimed it must have been miscommunication, which is flatly false. Why would I want to apply for a store credit card with a monthly credit limit of {$6000.00}, when I had already purchased a {$3000.00} mattress -- something I only repurchase once every decade? At that point I asked him what he and his company would do to correct the error. He told me that nothing could be done, and instead recommended that I just close the credit card. 

This fraudulently opened credit card account has already negatively impacted my credit score, and I have absolutely no use for it. I never, at any time, authorized, signed for, nor agreed to open a new credit card at Mattress Firm on a whim. In fact the last time I applied for a new credit card was 5 years ago, and only came after careful deliberation, extensive research, and very clear and explicit authorization to open the account.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (PA)

SageStream , LLC Consumer Office XXXX. XXXX  XXXX XXXX XXXX, CA XXXX : To Whom It May Concern Im writing to you to request a security freeze and block all reporting creditors on my credit report. Under the Fair Credit Report Act you are required to comply. I am My information is as follows : XXXX XXXX XXXX or XXXX XXXX XXXX or XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Block : XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  and all other creditors. I am a victim of identity thief. 

Ive included the following two documents that verify my identity : Copy of drivers license. 
Social Security Card Identity Theft Report After this credit freeze and block has been completed, please send written confirmation to the address listed above. 

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX approve me for an unsecured credit card and want me to pay in advance {$200.00} dollars. I paid {$200.00} dollars and received the card by mail. After two years I closed the account with XXXX  balances. The bank sent me a bill of {$200.00} dollars to pay again. I dispute the wrong charge of {$200.00} but XXXX XXXX XXXX  reported to the consumer reporting agencies and destroys my credit history. I am still reporting or disputing this wrong charge to consumer reporting agencies. 
Banks don't approve unsecured credit cards unless the consumers pay in advance the approved amount.
Consumer complaint received 2019-08-20
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. (LA)

The late payments reporting on the accounts are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting. XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (FL)

Good Afternoon, My name is XXXX XXXX XXXX, date of birth XX/XX/XXXX, and my social security is XXXX, I have contacted Navy Federal Credit Union and advised that I didn't agree to be authorized user on the following credit card XXXX and was advised that I was removed but yet nobody can send me any confirmation. I have contact all three credit reporting agency and completed consumer credit disputes and I have been advised that Navy Federal is still confirming that I'm authorize user and has confirmed and deleted from my credit report. I don't know where the line of communications failed but I'm hoping that you can help me resolve the issue. My mailing address XXXX   XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-11-22
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. (TX)

XXXX XXXX XXXX CCOUNT DETAILS Account Name - Account # XXXX Original Creditor - Company Sold - Account Type COLLECTION Date Opened XX/XX/2020 Account Status! - Payment Status Unpaid Status Updated XX/XX/2020 Balance {$1900.00} Balance Updated - Original Balance {$1900.00} Monthly Payment XXXX  and Transunion put this on my report 3 times now just changed the name. 
law does not permit this without notifying me first within 5 business btw FTC violations sent the police report and ftc
Consumer complaint received 2022-04-28
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. (DC)

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 Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX  account # XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XX/XX/2022 15 U.S.C 1681 section 602 States I have a 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 report more than 7 years.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I received a XXXX loan deposit into my XXXX XXXX account on XX/XX/2020 that is in my name and another person 's name. The loan was in the other person 's name. They closed it because it is not a business account but he is a XXXX independent XXXX so Capital One said that it didn't have to be a business account. They have frozen all of my accounts and I am unable to use them. I have been calling Capital One for the last two weeks with no response.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the below creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description and the specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

XXXX ) XXXX XXXX XXXX XXXX : Inaccurately reporting late payments. In accordance with the Fair Credit Reporting Act, furnishing any account activity without my written instructions under 15 USC 1666b ; a creditor may not treat a payment on an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-09-06
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. (FL)

XXXX BANK DELAWARE XXXX XXXX and XX/XX/2020 I was late due to COVID. I was laid off and had no income. I have since cleared this up and paid the balance off. Can they extend a curiosity and please remove the two 30 days late to current? 
Thank You XXXX
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (DC)

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  Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account # XXXX Inquiries : XXXX XXXX XXXX Requested XX/XX/2022 15 U.S.C 1681 section 602 States I have a 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 report more than 7 years.
Consumer complaint received 2020-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (FL)

This was settled through my lawyer XXXX XXXX with XXXX XXXX. 
This was a workers comp case. 
These are the payment made to XXXX  Hospital XXXX Check XXXX {$220.00} XXXX Check XXXX {$360.00}
Consumer complaint received 2021-07-13
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. (IL)

I started disputing false inquiries on my credit report on XX/XX/2021. None of the bureaus responded to me advising what steps they'd be taking or deleting the information at all. Since I didn't hear from them, I sent another dispute on XX/XX/2021 and again on XX/XX/2021. I am STILL waiting on a response and the inquiries still remain on my credit! I did not apply for these items ; the creditors can NOT provide a signed application because there isn't one, there aren't even accounts open from these inquiries!
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (CA)

I had a collection from AMSHER COLLECTION SERVICES that I disputed through all XXXX credit bureaus, in which both XXXX and XXXX ended up removing completely. I have disputed this MULTIPLE times with XXXX both by paper and electronically, but for whatever reason they will not remove it. I sent a debt validation letter to the actual collection agency claiming no responsibility for the debt and for them to validate the debt/validate that they can even collect in my state and requested this information be sent to me in the legal time frame per the Fair Credit Reporting Act, which is 30 days. I sent it as Certified mail with return receipt requested on XX/XX/21 and I got the green card back signed a few weeks later that they received it. I didn't receive anything back from them in response to my letter though until the end of XXXX, where they only sent me a copy of the bill I owed and nothing else ( no validation that they can collect in my state as requested ). I sent a letter to XXXX with copies of EVERYTHING and told them that it needed to be removed from my credit report since the collection agency did not respond in the legal appropriate time, but they ended up just sending me a letter that reflected my credit report with them and that they couldn't remove it because it was a valid debt ; not even addressing that the collection agency responded way past 30 days. I again disputed it online a few times after that but to no avail. Upon checking my XXXX account again this morning, this collection from AMSHER COLLECTION SERVICES is now showing on my report TWICE, which has decrease my score XXXX points. I am at the point where I am exhausting all avenues to get this resolved and am now at the point of considering hiring an attorney for this matter. The Fair Credit Reporting act and consumer protection is of no use whatsoever if credit bureau 's overlook the actual laws that are in place. I am being setback from purchasing a home because of this and I want it addressed and resolved immediately.
Consumer complaint received 2021-04-02
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX. XXXX ( Orig Cred : XXXX XXXX XXXX. CENTER ) XXXX
Consumer complaint received 2018-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (LA)

I checked my credit report on XX/XX/XXXX only to discover that as early as XX/XX/XXXX, a creditor named XXXX XXXX XXXX has been reporting that I owe them an amount in excess of 100 dollars. I have never conducted business with such a company. Additionally, I was NEVER provided a written notice of this " debt '' by the company explaining the amount, when they generated a file on " me '' in their office ( if any ) and any information regarding an original creditor. I received NOTHING. My consumer rights have been violated as it is required under FDCPA to disclose these things.
Consumer complaint received 2017-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC (MA)

I have been receiving numerous robocalls each day from the number XXXX. I have called this number back previously, and told whoever answered the phone to STOP CALLING ME. 

Today, I called that number again, and got XXXX XXXX on the phone. I told him to stop calling me, that I was on the Do Not Call list, and that we have no business together. 

He said it was n't a sales call, so he had every right to continue calling. So I asked what the purpose of the call was, since we do n't know each other. He said he was given my number as contact information for someone he was searching for. He said a name, which I believe was XXXX. He refused to indicate the nature of his call or the reason for the ongoing harassment. 

I told him nobody by that name was associated with me or my phone number ( any XXXX could XXXX and confirm it ). I then guessed " Debt collector! '' and he refused to respond. 

I then asked for all his contact information. This is the info he gave : company name XXXX, mailing address XXXX XXXX XXXX XXXX, CA XXXX XXXX I am *assuming* the above information is correct, but have no way to verify it. He could be a total lying scammer pretending to be from XXXX ( which is, as it turns out, a debt collection company! ). Or, he could just be a XXXX employee doing lazy, sloppy work. 

I am sick of being harassed about a debt that is n't mine.
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

We entered a forbearance agreement as a result of lost employment because of the COVID-19 pandemic. We applied for a loan modification months ago. 60 days passed. We contacted Citizens and were told to not pay the mortgage while they had our application under review. Meanwhile, the loss prevention arm of the bank reported a missed payment to the credit agencies. We disputed. They denied the dispute.

We followed up again to inquire about the status of the loan modification. More than sixty days passed. They told us that our application had not been processed ; however, previously we were told to give them 60 days. 

We never received word about the loan modification. We submitted by email and via their online portal. We paid the mortgage. XXXX will be the third month since coming out of forbearance. 

We both are employed again and now we simply want to refinance to consolidate our loan to a 15 year mortgage, but we fear the late payment reporting will keep us from being able to achieve this goal. 

The communication from Citizens Bank has been extremely misleading. They have not communicated about our loan modification, even though they verbally promise that we will receive notification " within a week '' each time we call. 

We don't have a history of default prior to the pandemic. We feel as though their practices are dishonest and unethical. They refuse to listen to their own recorded calls, or follow their own policies. 

Thank you.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NV)

XX/XX/XXXX - wire transfer requested by me from retirement fund to place {$13000.00} in my bank account XX/XX/XXXX - bank says they sent email to request information, but I never received said email XX/XX/XXXX - discovered account had been suspended by bank. I contacted the bank to inquire about suspension and was told to submit documentation : ID, secondary ID, proof of address, as well as an explanation of the funds that were deposited into my account. I expressed my concern about sending personal information over email and the bank said that was the only way to get the issue taken care of. 
XX/XX/XXXX - I submitted the documentation requested by the bank. 
XX/XX/XXXX - I called the bank for a status update and was told they couldn't open PDF files, so I needed to resubmit ALL the documentation requested above as JPEG files. 
XX/XX/XXXX - while calling for another status update I was informed I needed to submit more documentation : front and back of driver 's license, as well as a photo including the front of my ID and my face. With hesitation I did as they asked and submitted said additional documentation. 
XX/XX/XXXX - Sent email to bank requesting status update XXXX the bank did not respond ). 
XX/XX/XXXX - Spent 1 hour 15 minutes on the phone with the bank inquiring about status of my account. 
XX/XX/XXXX - Spent 47 minutes on phone with bank just to be told, " just wait for a response or a request for more information. '' XX/XX/XXXX - As of this date I have not heard from this bank via email or phone, my account is still suspended, and I'm unable to pay bills, buy groceries, etc.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Although it is your policy to keep reporting bankruptcies which are filed or adjusted for XXXX XXXXs, the Fair Credit Reporting Act mentions nothing in XXXX XXXX relating to Bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.