davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
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. (GA)

I 've disputed with Experian about a XXXX XXXX XXXX inquiry that 's on my report that XXXX XXXX XXXX has verified that it does not belong to me and they wo n't remove it
Consumer complaint received 2020-09-07
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: Riverwalk Financial Corporation (NJ)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached FTC Report, and Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2018-09-21
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. (AZ)

My mortgage was service transferred to XXXX almost two years ago. XXXX XXXX has continued to report this mortgage as open with them and now I have my mortgage counting twice on my credit report, which is affecting my debt to income ratio and my credit score. This inaccurate credit reporting has harmed my credit worthiness and impacted potential lending. This is predatory and illegal and must be fixed within 30 days, according to the Fair Credit Reporting Act. To be clear, I only have one mortgage, not two. XXXX XXXX has continued to report my mortgage, even though their reporting reflects no payments. Potential creditors are counting my mortgage twice due to this abhorrent error made by XXXX XXXX. If this is not corrected within 30 days, and a written resolution is not sent to me advising that it has been corrected, I will be filing litigation against XXXX XXXX and will seek reimbursement for my legal costs and other financial impacts this error has caused.
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (IL)

I have a a unverified account from AD ASTRA RECOVERY SERVICES. I had previously disputed this account. I have never done business with AD ASTRA RECOVERY SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AD ASTRA RECOVERY S ERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. )
An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AD ASTRA RECOVERY SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 
______________________________________________________________________________________
Consumer complaint received 2018-09-20
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: VALLEY NATIONAL BANCORP (NY)

On XX/XX/2018 XXXX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX - XXXX-XXXX-XXXX as contact number on report ) requested my credit report. 

On XX/XX/2018 Valley National Bank ( XXXX XXXX XXXX, XXXX NJ XXXX - XXXX-XXXX-XXXX ) requested my credit report again without any authorization or explanation.
Consumer complaint received 2017-12-26
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: CITIBANK, N.A. (FL)

I called to find out why i my score went down i have always had excellent credit so this really up setting i worked really really hard to keep my credit in really good standing  I was looking on my credit report and saw that XXXX XXXX credit card made my score go down and i spoke to them and they assured me they would make sure that i my score would NOT BE   affected that was not the case  because i never received statement in the mail i have never been late  late and this was during a hurricane Irma i did not receive any  statement i called to inquire and said it was 30-49  day late however i never received any statement so i am disputing this Payment XXXX 2017 never received statement and the dinged my credit i was paid off in full after i received my statement but they sill affected my credit which was not fair I do not recommend cit-bank credit cards they are not reasonable or friendly and they assured me they would correct this and they never did ..
Consumer complaint received 2022-04-05
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Neon Newco Corporation (MN)

I opened a complaint against Netspend XXXX. They resolved this issue and sent me a check for {$62.00} and the withdrawals from the account after my brothers death. I deposited the check in XXXX, within the 90 days of the validity of the check and the check was returned to my bank as not valid. 

I contacted Netspend XX/XX/XXXX, the day I received communication from my bank and I have not received any communication from them.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (VA)

On XX/XX/XXXX, I noticed a charge on my account in the amount of {$2200.00}. I did not make this transaction. I contacted the XXXX XXXX instantly, and I was told there was nothing they could do and to contact my bank. I contacted my bank and filed a dispute. I was told in my dispute that it would take about XXXX  days to investigate. XXXX days later, I received an email stating that the investigation was over and I would not be granted a refund. I was confused on how this matter could be investigated in XXXX  days, and over the weekend at that, I was furious. On XX/XX/XXXX, I was advised that what I received was correct and I would not receive a credit. The only option I had was to appeal. I was told numerous times I would receive an appeal letter, but I never received anything. I called once and was placed on hold for XXXX minutes so the representative could feed his children. I dont understand why I should have to go through this or an appeal that was not thoroughly investigated. I trusted my money in the hands of Chime, and they failed me, and this is not the first time this has affected me. Now I can not get through with chime. Every time I try calling, it just gives me the run-around option to speak to anyone, and when I ask for help in my chime app, it gives me an error. I am really disappointed in how they could fail me and take this matter as a joke. My living situation has been affected, as has my mental health.
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (GA)

On XX/XX/24, I used Sendwave to send {$2100.00} to my XXXXXXXX XXXX account in XXXX. Typically, such transactions process within minutes, but in this case it was processing for XXXX days. On XX/XX/24, through a chat, I asked Sendwave to cancel the transaction and I immediately received a text that the funds had been delivered. Until this moment, the funds have not been delivered to my XXXXXXXX XXXX account, meanwhile {$2100.00} has been debited from my XXXX account.
Consumer complaint received 2023-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (NJ)

XXXX sold a debt that is not mine to a collection agency that is on my credit report. I sent numerous documents to prove it was not me including a XXXX XXXX XXXX certified letter stating that I was incarcerated at the time in question. Still they refuse to remove this negative report from my credit report.
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

I received a debt collection on my report that should be deleted off my consumer report. Transworld Solutions did not advise that I can dispute. Paid the collection to have it deleted and the collection should not have been reported to my consumer report in the first place Per 15 US code 1681D ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; The collection should have never been reported without my consent which i did not give. 

Also, 15 US code 1692K ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; This collection is blocking every relationship that I would like to pursue with other entities. I am not looking to be paid for damages, I would like to have the collection deleted off report.
Consumer complaint received 2024-05-18
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

Around XXXX and XX/XX/XXXX, residents at the XXXX XXXX XXXX were reporting a foul sewer-like smell that was illuminating the hallways. At first, the smell was not that strong, but it soon turned into a strong foul order that could be smelled on every floor of the apartment complex. The XXXX XXXX XXXX failed to address this issue in the beginning until the smell became so omnipresent within the apartment complex. When it got to this point, the leasing office inputted massive air filtration devices around the whole apartment complex and sent mass emails that they were finally investigating this issue. However, they never once informed residents what was the source of the sewer-like smell through email correspondence. 

Being a resident at this time, I communicated my concerns with the leasing office about the smell and informed them that I would not be paying rent due to the uninhabitable conditions. Throughout my communications with the leasing office in demanding payment or a vacate, I came to learn that the sewer-like smell derived from failed p-traps. This being the case, XXXX XXXX XXXX residents were indeed smelling sewer gases ; and the apartment complex should have been considered uninhabitable. This sewer gas issue is a violation of the leasing agreement ( clauses XXXX, etc ). 

Despite this, XXXX XXXX XXXX demanded rent and threatened eviction. I simply vacated the apartment since my lease was already ending but I did not pay for the months that residents experienced this issue. I have the right to withhold due to them not addressing the smell issue and I also have the right to vacate based on California Civil Code Section 1942. This amount should have been dismissed. 

After vacating, I received an email from the Resident Advocate a day later. Resident Advocate portrayed themselves as a debt collector for XXXX XXXX XXXX and demanded payment for the two months. I immediately emailed a dispute but never heard back. 

Due to the illegal behavior of XXXX XXXX XXXX, as well as the lack of correspondence or validation from the debt collector, I am asking for the CFPB to investigate this issue.
Consumer complaint received 2022-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (TX)

Good Afternoon, I am formally disputing this alleged debt that Northstar Alleges I owe to them. I do not know this company, I've never heard of them, and have no prior relationship with them. I do not owe this debt to them.
Consumer complaint received 2020-10-22
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: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2020-10-22
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

Here 's a concise yet detailed explanation of what happened for your CFPB complaint : In XX/XX/year>, I purchased a vacuum from XXXX using Affirm financing for {$1900.00} ( Loan ID : XXXX ). The package, shipped via XXXX  ( tracking number XXXX ) on XX/XX/year>, required a signature upon delivery. On XX/XX/year>, the XXXX driver signed for the package and left it at my front door, resulting in its theft. The signature provided was not mine. 

XXXX refused to accept responsibility or assist with filing a XXXX  claim. Despite reaching out multiple times, XXXX ceased communication and blocked my calls. I then disputed the charge with Affirm, providing evidence of the theft, including a police report and documentation from my renters insurance, which paid the claim on XX/XX/year>. Affirm sided with XXXX, citing tracking information. 

I disputed the charge-off with XXXX, but they upheld Affirm 's report. I believe this charge-off is inaccurate due to the circumstances of the theft and misdelivery. 

I am seeking the removal of this charge-off from my credit report as it negatively impacts my creditworthiness due to no fault of my own. 

Enclosed documents : XXXX tracking information and dispute of signature Correspondence with XXXX and Affirm Police report Insurance claim documentation
Consumer complaint received 2020-10-22
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)

To whom it may concern : My name is XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (TX)

The card I have is to receive child support from the New Mexico Human Service Department ( NMHSD ). The card I currently have expired XX/XX/2020. The address was not updated in the EPPICARD system and had my previous address, so I did not receive a new card. 
In XX/XX/2020, I called t

he 1866 number on the back of the card for EPPICARD and was informed that I must update my address with the NMHSD to receive a new card. I called the NMHSD to verify my current address was updated, which it was. I called EPPICARD to the 1866 number on the back of the card and was again told the same thing and had no luck getting through to the person who answered my call. 

It is now XX/XX/2020. 
I called EPPICARD ( 1866 number on the back of the card ) Friday, XX/XX/2020. I was on hold for a very long time ; luckily, after 30 minutes, I reached a person. I tried explaining the situation again and still, no luck. I again was told to get the address corrected with NMHSD.

I got on the online chat with the NMHSD, and they were able to
send a request to send me a new card. It was issued on XX/XX/2020, with an estimated delivery date of XX/XX/2020. I was thrilled but to see that it was mailed to an address I have never used on my online account. It was being mailed to XXXX XXXX, Nevada. 

I have called EPPICARD again to get someone on the phone to correct this mistake and send me a new card. I called EPPICARD XX/XX/2020, and XX/XX/2020, and have been hung up on. I wait 20-30 minutes on the phone, and when someone picks up, they ask what state I am calling from ; I answer, and they say they can not hear me and to call back again, then they hang up the call. Other times that I call I am waiting 20 minutes, and I can clearly hear someone pick up and hang up the call. I can not get a hold of anyone now.
Consumer complaint received 2020-10-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (NY)

I applied for a person loan with Wells Fargo and got denied because misinformation, misunderstanding. I asked for {$150000.00} and I was pre approved according to banker, but things turned down because I asked to lower the amount and the other banker harassed me with further information with a gave previously. I work for the city of New York, my salary is direct deposit with my account with Wells Fargo., I bank with them for over 10 years, I never had a problem with, I have been discriminated by Wells Fargo . Please help me
Consumer complaint received 2020-10-22
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: AVANTE (WI)

I received written correspondence from AvanteUSA that their company have purchased an account that's allegedly associated with my name. The date on the receipt of the letter is marked XX/XX/XXXX. According to the FDCPA I have 30 days to dispute the validity of the debt. I recently checked my credit report and noticed that this account is currently being published on it without proper validation. I also noticed that the alleged amount owed in the letter is different than what's on my credit report. This unverified and inaccurate account is drastically affecting my credit worthiness and stopping me from receiving funding during this pandemic.
Consumer complaint received 2017-08-12
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. (ND)

I am a victim of identity theft. I filed a police report with the XXXX XXXX  Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my XXXX XXXX, XXXX and Experian credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/2016, XXXX XXXX XXXX, XXXX/XXXX/2016, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

There are negative accounts that is well pass 13 years that should be off my report. I have made several attempts to have these removed. And they still refuse. the other two agencies have been deleted them. 

I tried to call again today to dispute and all I got a recording for a " freeze '' or a report. Unable to link with a live agent. 

Experian has the worst reporting and services. 

They need to remove all old accounts for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

: Accurate negative details can stay on your credit report for up to seven years ''. Those account are way pass the time limit.