davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at AMERIASSIST AR SOLUTION. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also AMERIASSIST AR SOLUTIONS or the company the represent never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified AMERIASSIST AR Solution that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
Consumer complaint received 2020-12-11
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. (OH)

Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : 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 2020-12-11
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. (OH)

Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : 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 2017-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

On XX/XX/XXXX I made a payment of {$300.00} that wasnt accepted do to wrong information on my behalf, I wasnt aware of it until the XX/XX/XXXX payment. When XX/XX/XXXX came around my payment was considered late with late charges. My account was closed due to those situations. I accepted the account being closed, the problem is I wasnt aware til later about the information this negative remark is holding me back from closing on a house. They are not willing to work with me.
Consumer complaint received 2023-04-07
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: JPMORGAN CHASE & CO. (GA)

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

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written 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 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened a mortgage with Franklin American Mortgage in XXXX. I paid the mortgage off in full on XX/XX/XXXX, as referenced by a payoff loan official letter from the company. 

Since then, there have been delinquencies reported for over 120 days on my credit report. When I call the company that handles those loans, they have no record of my account, even after providing my social, account number, address, etc. The company, XXXX has no information, FRANKLIN AMERICAN has  no information, and CITIZEN BANK has no information, but the notation on my report is from FRANKLIN  AMERICAN.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

A NewRez customer service rep told me on a recorded line in early XXXX XXXX that my recast would be completed in early XX/XX/XXXX. It sill has not been completed. I have made over XXXX phone calls on recorded lines asking for the recast starting in early XX/XX/XXXX up until today and am now filing another complaint. I also sent a certified letter yesterday XX/XX/XXXX to their CEO demanding that the recast finally be done. In late XX/XX/XXXX, XXXX employee falsely told me on a recorded line that there was no such thing as a recast and the rest from XXXX XXXX to the present pretended they did not know anything about the recast procedure and NONE referred me to the recast department, All this is a XXXX tactic to not do recasts. In addition on XXXX XXXX, XXXX I was on a recorded line with a XXXX employee, myself and a representative of another lender, XXXX XXXX, so XXXX could confirm my payment history. I told everyone on the line that I was not refinancing with NewRez because they had not done my recast. The NewRez employee than stated she would file an internal complaint on my behalf to get the recast done. Since this was on a recorded line with two witnesses, obviously NewRez had my clear documented permission to do the recast. Still nothing has happened to date. NewRez finally sent a secure message with a recast form in very early XXXX but when I went to open it, it would not open. ( They already had my legal documented permission on a recorded line with XXXX witnesses as of XXXX XXXX, XXXX to do the recast so having me sign yet again for the recast was an unnecessary duplicate legal procedure and a delaying tactic ). Just game after game to avoid doing the recast.
Consumer complaint received 2024-02-25
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. (NY)

TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Dispute of Account with XXXX XXXX XXXX - Account Status : Open Dear Sir/Madam, I am writing to dispute the information reported by TransUnion LLC regarding an account with XXXX XXXX XXXX XXXX which is inaccurately listed as open with a last active date in XXXX. I request that this account be removed from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit report, I discovered that the account with XXXX XXXX XXXX is inaccurately listed as open with a last active date in XXXX. However, I can confirm that I have no active accounts with XXXXXXXX XXXX XXXX, nor have I had any recent activity or transactions with them since the specified date. 

Under the FCRA and the FDCPA, inaccurate or outdated information should not be reported on consumer credit reports. As such, I assert my rights to dispute and request the removal of this inaccurate information from my consumer report. 

I hereby request that TransUnion LLC conduct a thorough investigation into the accuracy and validity of the reported account with XXXX XXXX XXXX. If it is found that the information is indeed inaccurate or outdated, I request that TransUnion LLC promptly remove this account from my consumer report. 

Furthermore, I am bringing this matter to the attention of the Consumer Financial Protection Bureau ( CFPB ) for further assistance and oversight. 

Please provide a written response to this dispute within the timeframe specified by law, and notify me of any actions taken to address this matter. 

Thank you for your prompt attention to this dispute.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

I opened a high yield savings account with Citibank online banking in mid XX/XX/XXXX. I made several deposits into the account quickly thereafter, totaling an amount of {$8500.00}. I received a phone call from their fraud prevention department to confirm my identity which I did and I was able to continue with my account. Then, on XX/XX/XXXX I attempted to make a wire transfer from my Citibank account into another bank account in the amount of {$8400.00}, it was denied and I received an error code XXXX stating I was not allowed to proceed due to security reasons. I tried to make an instant transfer of less funds ( {$1500.00} ) back to the my original bank account where deposits were made to fund the citi account, but again was met with the same error message. I called customer service on XX/XX/XXXX and was told that it was a maintenance issue and to try again the next day. I attempted the transfers again on XX/XX/XXXX and again had the same error message. I called customer service and was routed through 6-7 different customer service representatives who all had different stories as to why I could not complete the transfer. It ended with the fraud department trying to verify my identity yet again to which they then stated they were unable to verify my identity, even though this verification had previously been completed in order for me to fund the account in the first place. I then spoke to a supervisor who stated the only way to verify my identity would be to wait for them to send me a letter in the mail with a code. Now my account is completely locked and I can not access my money. I kept asking why this block was placed on my account and they stated they could not disclose that information even though I could provide my SSN, DOB, account number, card number, etc. every piece of information they could possibly need to verify my identity was provided and they still refused to unlock my account. At this point I just want my money refunded to the original account I made the deposit from.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I received a hard inquiry on my credit report from a company I had not requested a loan or credit card from. When I called to inquire about it the phone number had been disconnected.
Consumer complaint received 2020-12-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation (MO)

This account went delinquent, and was charged off. However, the company, Heights Finance, obtained the services of an attorney. I paid the attorney in full. The account continues to show a charge off/continuing delinquency with an ongoing status. it should be paid, closed with a XXXX  balance.
Consumer complaint received 2017-12-13
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: AMERICAN EXPRESS COMPANY (PA)

American Express recently sent an email to its charge card customers about " Flexible Payment Option ''. This option allows users to carry there balance over with interest month to month. The issue I have is XXXX makes this sound to be a good thing along with providing an incentive to keep accruing interest on your debt. I feel this is unethical for credit card company to entrap its customers. It is also making it harder for customer to know if there full bill will be paid by the end of the month when an auto-pay is already set up which will lead to carried interest. I have copied the text below. 

I also want to clarify that I have not signed up for this program but realize many other people will unknowingly. 

" As a valued American Express Charge Card Card Member, you deserve choices when it comes to paying your bill each month. We 'd like to invite you to enroll in the Extended Payment Option1, a feature that gives you the flexibility to carry a balance with interest or pay in full each month. 

And, if you are approved, you could get XXXX Membership Rewards points.2 '' " Eligible charges of {$100.00} or more will be automatically moved to your Pay Over Time balance up to your Pay Over Time limit. For charges you choose to pay over time, the APR will be a variable rate, currently 16.24 %. ( The rate assigned will be the same as the current rate for your Select & Pay Later feature. ) You still have the option to pay your balance off in full each month. ''
Consumer complaint received 2021-06-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (CA)

We opened an account with Simple in 2020. In XXXX we were informed that the account would be closed prior to their merger with BBVA and we would be receiving a check in 7-10 days. When no check arrived, we began calling. Though no one at BBVA denies that we had an account with $ 5000+ in it, they are unable to explain why the check has not come, or to send a new one or return our money to us in any way. We have called more than 5 times and spent easily 6 hours in phone calls working on this issue over the last 2 weeks.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (MA)

Dear Shellpoint Mortgage Svc : Please be advised that all debt associated any account which you are servicing was discharged in my Massachusetts Chapter XXXX bankruptcy filed on XX/XX/XXXX. I received my discharge on XX/XX/XXXX. A copy of the discharge is attached. The debt you continue to seek to collect was not reaffirmed. 
In fact, the debt you are attempting to collect was the result of a mortgage on property located in XXXX, Massachusetts, being, XXXX XXXX XXXX XXXX XXXX. It is not in reference to the property known as XXXX  XXXX XXXX XXXX XXXX which you continue to refer to. Please check your legal description. The property known as XXXX  XXXX XXXX XXXX XXXX was foreclosed in XXXX by the condominium association as a senior lien holder. A portion of your lien was paid and the balance was discharged in bankruptcy. YOU DO NOT HAVE A MORTGAGE ON ANY PROPERTY WITH RESPECT TO THIS DEBT. IT IS ENTIRELY UNSECURED AND I DO NOT HAVE ANY PERSONAL LIABILITY ON THE DEFICIENCY ON THIS NOTE. 
On XX/XX/XXXX you reported an account with a balance owing of {$350000.00} and as current payment status 120-149 days late and worst payment status as 120- 149 days late. This information is inaccurate as the debt has been discharged in my XXXX Chapter XXXX bankruptcy and I have no further liability. You report this account as opened on XX/XX/XXXX. To date Shellpoint continues to report this account as delinguent 120 days, 7 missed pmts, etc. and continue to increase the amount of liability, i.e. currently {$360000.00}. This reporting violates my rights pursuant to my discharge and has resulted in financial damages. As a result, I AGAIN hereby demand that you remove this account IMMEDIATELY AS WELL AS ALL these remarks and other derogatory ratings from all reports to all three credit bureaus immediately. 
Your continued reporting is a violation of my discharge granted pursuant to the bankruptcy laws. I have made numerous calls to your company in an effort to settle this amiably but all to no avail. Your reporting is affecting my credit reports and I am suffering monetary damages as a result. If I do not immediately receive confirmation that this has been corrected, I will pursue your company for damages and attorneys fees.
Consumer complaint received 2021-06-05
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-11
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. (OH)

Pulled my report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : 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 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

I noticed a pending charge on my Chase Sapphire Reserve Visa account XX/XX/XXXX for {$240.00} to a company that I have never transacted with " XXXX  XXXX  '' I XXXX  to see what the company sold it was steaks. I then called Chase and told this about this charge that I did not make and told them it was fraud and please remove, they temporarily removed the charges and started an investigation. XX/XX/XXXX XXXX XXXX delivers a box from XXXX  XXXX, I call XXXX XXXX and tell them to pickup as I did not order this and had reported a fraud with Chase. I am told by XXXX XXXX  that XXXX  XXXX  can only request a pickup. I then call XXXX XXXX, they have no customer service number, so I begin texting with them. They give me the email from which this order was placed, not my name nor anyone I know, " XXXX '' I tell them not me, please pick up, they say since it's my name on package along with again someone I don't know " XXXX or XXXX  '' and is perishable they wont take back. I put the steaks in my freezer, they are still there now, I also contact XXXX XXXX XXXX XXXX. Today, Chase tells me my fraud claim is denied as I received a benefit, which I disagree as I did not order nor have I eaten, as the steaks are still in my freezer. I have pictures of the box, the texts between XXXX  XXXX  and myself, the email to/from XXXX XXXX and the Fraud Denial by Chase. Please help me, I do not have {$240.00} to pay for 2 steaks I did not order. 

Regards
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (GA)

On XX/XX/2021, I traded in my vehicle to XXXX XXXX XXXX XXXX my car payment from my previously lien holder ( Flagship Credit Acceptance ) was due on XX/XX/2021. After trading my vehicle I received several calls from Flagship and I stated that I no longer have possession of the vehicle, I signed documentation to trade my vehicle. Several times Flagship still contacted me about the payment of the vehicle, I had no idea that the vehicle was still not properly paid off. I tried to contact XXXX XXXX several times, I even went to the dealership was never able to get in contact with anyone in the financial dept. The only person to my assistance was my sales rep XXXX. He tried to figure of why the car still was not paid off, he was really good with communication. He stated the financial manager stated it will be taken care of. However, the bank delayed the funds to XXXX XXXX which caused a delay in the car being payed off. XXXX told me the manager XXXX would contact me because of how upset I was. I called XXXX to see the status of the car loan they told me it was paid off XX/XX/XXXX, or XX/XX/XXXX I believe. I was relieved until I seen my credit score dropped Tremendously, because of the 30 day past due on this account. It was not my fault, I no longer had possession of the vehicle. I really wish Flagship would consider removing the delinquency of the account. I was a good customer with good payment history, and I was unaware of the trading process due to this being my first trade in. I feel both companies are in the wrong and it is causing me to have an effect.
Consumer complaint received 2020-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

There is an inquiry on my XXXX  credit report posted in XX/XX/2019. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to Old Navy and XXXX  and with no help have had no luck. I spoke to a representative from old navy in XXXX and was told it would be removed. The said they would send me proof and I have yet to receive anything. XXXX  and Old Navy have refused to do anything. I did not attempt to open or establish a line of credit with this company.
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called bcuz I saw a charge that I may or may not have made. The CS agent refused to request a copy of the receipt before filing a fraud dispute. He refused to do it for me specifically, in his exact words.