davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-25
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: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report over 45 days ago. And I have not received a response yet. This is uncalled for and you are taking advantage of me during a time of Covid. This was very time consuming for me to write a letter to the credit bureaus and I paid money to USPS to send these letters out. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2019-08-13
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity and the following accounts and credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report are all fraudulent and not my accounts or credit inquiries : 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. I have been receiving numerous and harassing phone calls at my home and employer of profane and vulgar language, abuse, threats of legal action, wage garnishment, job lost, jail, prison, violence and death threats from debt collection representatives from all of the creditors listed above. All of the above creditors are in complete and total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law. I am afraid and in complete fear of losing my life. This is so wrong and unnecessary...
Consumer complaint received 2019-08-13
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. (MO)

The following accounts are fraudulent and they do not belong to me please remove them all. 

1. XXXX XXXX {$370.00} 2. XXXX XXXX {$240.00} 3. XXXX XXXX {$60.00} 4. XXXX XXXX {$180.00}
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Hi, I have reach-out Portfolio Recovery since XXXX. I have sent letters asking to show a contract with them with my wet-ink signature. They refuse to acknowledge. I recently sent an affidavit of notice dispute the debt received on XX/XX/XXXX. Tracking number is XXXX. They did not answer. An Non-respond affidavit in commerce is accept the complaint as true. Receipt of this AFFIDAVIT OF TRUTH & FACT requires a response as stipulated above, acquiescence will be your answer to all below statements if respondents fail or refuse to provide a written response in the form of a rebuttal Affidavit. Acquiescence means A persons tacit or passive acceptance ; implied consent to an act. Review Morris vs. NCR, 44 SW2d 433 which states : An Affidavit if not contested in a timely manner is considered undisputed facts as a matter of law. Also, review U.S. vs. Pruden, 424 F.2d 1021 ( 1970 ) which states : Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. Portfolio Recovery did not rebuttal any point-to-point answer with their own affidavit. I also filed a postmaster criminal complaint under title code 18 U.S.C ss 1342 fictitious name and address and title 18 U.S.C. ss 1341 Fraud and swindling. Portfolio Recovery only sent a general letter that does not address any of my complaints or any proof of a sign contract. Under the Law, there must be a signed contract for them to collect a debt. WHERE IS THE CONTRACT SIGNED BY ME. SHOW ME THE PROOF? I finally filed a U.C.C. 1 financial statement with the ILLINOIS SECRETARY OF STATE placing a lien on my estate claim the name. I also filed with the ILLINOIS SECRETARY OF STATE COMMON LAW TRADEMARK AND COPY RIGHT NOTICE. The Illinois has accepted the filing and the lien number is XXXX and XXXX. Portfolio Recovery will have to a do a XXXX XXXX search to get confirmation. ILL and certified the lien on XXXX time XXXX XXXX.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

Was a member of Sam 's Club, was checking out when the cashier asked me if I would like to sign up for a sams credit card and get {$100.00} toward my purchase. I said okay and she ran the credit report and didn't go through, she mentioned that they would call me I asked if the promotion would still be valid the cashier said yes, a few days later I got a call from sams club credit asking if I would like to complete the process to get the card. I had asked the person from sams club credit if the promotion was still valid and mentioned that if it was not I did not want a hard inquiry on my credit report and that I wasn't interested. She informed me that if the promotion was still valid. I said okay and then they approved me for the card. 

A few days passed and I opened the letter with the card and the promotion was not included so I called Sam 's Club credit to ask, I was informed that I was not entitled to the promotion and would have to settle for 30 dollars off my credit purchase good for the next 30 days. I was upset and cancelled the card and also cancelled my membership with sams club. I called the credit reporting agency to get the hard pull removed from my credit history. They informed me that only the credit card bank could do that. I called the credit card bank and they refused and said they couldn't do an order of deletion. 

I am asking that Sams Club Credit through Synchrony Bank be investigated along with sams club and that their hard pull from my credit be removed.
Consumer complaint received 2020-11-21
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: ENCORE CAPITAL GROUP INC. (SC)

On XX/XX/2020 MIDLAND FUND Collection Agency added deragatory marks on my credit report acct # XXXX per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection and there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, ( XXXX ) has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC. (NC)

In XX/XX/2020 I paid off loan XXXX and have not received my XXXX escrow balance. Sun West is unfairly keeping the escrow despite even showing it on my XXXX tax return as refunded. This is outright fraud and deceptive and should be evaluated as a Consent Order and Enforcement action against Sun West.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

Please conduct a proper investigation for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and send me proof of signature, the agency is reporting false information, this account is unknown to me. The account is showing paid and i need proof of validation and documention. It is reporting seriously past due. then it says it assigned to an attorney, what attorney is it assigned to?
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

I was using the new XXXX TV Service however, the prices increased and I was currently in school full time and not working. Therefore, I canceled my subscription with XXXX and  Paypal. However, I was charged again by both companies and neither company would accept responsibility for their error. I notified XXXX XXXX XXXX Consumer Investigative Department and I believe XXXX has corrected the issue. However, PayPal keeps send me messages and still will not allow me to cancel my account. The last debit that they initiated on my account was not authorized. I have since changed bank accounts and debit cards and I am still receiving harrassing emails. 
Could someone please help me resolve this issue. If I had requested the service or used the service, I would gladly pay the fee. However, that id not the case. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-06-06
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (IL)

I bought a couch on XXXX/XXXX/XXXX from XXXX 'XXXX. They advertise and tell you that you have 24 months 0 % financing. When I received my statement the plan expires XXXX/XXXX/XXXX. This is 1 year 11 months of financing. I complained directly to XXXX 'XXXX  by calling XXXX XXXX at XXXX. Someone called me back on XXXX/XXXX/XXXX from the number XXXX. He kept telling me the time starts the day you buy the item. Basically the gentlemen tried to explain it and I said that is not 24 months financing that is 23 months financing. 

They do not charge you interest if you buy something on the retail account and then you pay it off when you received your statement. But they start the promotional account from the day you purchase the item. 

I have several other cards and not one calculates the free financing in this manner. 

They either have to quit advertising 12 months free financing or advertise that it is 11 months free financing. 

They also advertise that anything over XXXX is free advertising. However, if you buy anything on their website they do not offer free financing at all. This is extremely confusing to the consumer and is not right.
Consumer complaint received 2022-04-02
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. (MD)

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.
Consumer complaint received 2021-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (RI)

Hi Sears/CBNA : Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and noticed a couple of missed payments from this sears card on and about XXXX or XXXX 2021. I'm confused because I never used this card. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Consumer complaint received 2021-07-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (NC)

I am not liable for this debt with XXXX XXXX  XXXX and I do not have a contract with 1ST CRD SRVC plus they did not provide me with the original application like I asked. 

Account No:XXXX Amount Disputed : {$480.00}
Consumer complaint received 2019-08-13
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (AL)

I have been reaching out to Sallie Mae for over a year to resolve this matter. 

I called to process a payment over the phone and the representative updated my bank account information with an incorrect number...

I was not made aware of the error until the payment was declined due to error message "Account Not Found"

I asked the rep on the phone to repeat the account number back several times; however, she ensure it was correct.

Well about 38 days later they updated credit report as late because of their own personal error on 3 of my accounts...
Consumer complaint received 2019-08-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (FL)

I was supposed to close on a home on XX/XX/2019. 
I paid {$3000.00} for closing and approximately {$800.00} for appraisal and inspection. 
{$50.00} on HOA application fee. 

Two days before closing, I was informed that there was a problem with the down payment. The total amount had been wired on XX/XX/XXXX, to the title company. {$51000.00}. It had been wired by my future father-in-law per request by my lender. I was informed that 5 % had to come directly from me, the borrower. 
As I was short approximately {$600.00} in my bank account, my lender advised me to deposit or have someone deposit money immediately. He said to make it an odd amount, like {$680.00} so it did not look obvious. My future father-in-law transference money into my account the next day. Since it showed " pending '' my lender implored me to deposit more cash into my account. Which I did as instructed. I had even transferred money from my XXXX acct to my bank, but my lender said it could not be verified. even though it clearly shows on my account, the transaction. 
After scrambling at his bequest to get my account in order to make my 5 % wire for the downpayment, he just could not get the closing packet to the title company. I sat at title company for 3 hrs on the XXXX. The closing had to be extended to the next day, but again, he did not get the closing packet in. Closing was again extended to the following day, XX/XX/XXXX. I was told by my realtor to go the bank to wire the money, then head to title company. 3 home purchases were hanging in the balance. This had to get done that day or the contracts would expire ... there would be no more extensions. At XXXX on XX/XX/XXXX, as I was heading to the bank, the lender called and informed me that my future father-in-law was not an acceptable donor. None of his money would be accepted, although the money had been wired to the title company on XX/XX/XXXX. 
It caused all 3 home purchases to collapse and everyone involved lost their money and the homes they were purchasing. 
The 3 listing agents involved have filed formal complaints to the board about my lender. I have made numerous attempts to reach out to the mortgage company, only to be completely ignored. 
How did my lender not know this would be a problem? He knew from the very beginning that my father-in-law was donating money. It was my lender who instructed us to just have him ( father-in-law ) wire the entire amount and we could work it out with him later. 
This action by my lender devasted 3 families.
Consumer complaint received 2021-05-04
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A. (MI)

I received a call from an individual claiming they represented Best Buy Credit Card, and their name was XXXX XXXX XXXX XXXX. The initial caller informed me I was going to be sued and my home taken and hung up when I explained I never had a card with Best Buy unless it was fraud. The number they call from is a toll free line of XXXX. I called back and was hung up on. I called Best Buy credit and verified I have never had any account with them. I can only get thru to the number by using friends phones as when I call they pick up and hang up. I can not find any collection agency or debt buyer under the name XXXX XXXX XXXX XXXX. I was only able to get the one ladys name and company name by calling from a friends line. XXXX XXXX, and the first time it was as XXXX XXXX XXXX XXXX XXXX. I believe this may be a scam as the initial phone call was so aggressive, if I did not have the education and experience in law, specifically debt collection law, I may have been bullied into paying. Threatening to sue me and take everything I own ( laughable ) claiming the debt was incurred in XXXX and never paid on, but not charged off until XXXX so I better get a good attorney. Threatening to garnish - like I said, the FDCPA violations were rampant. I was never mini mirandized, I was threatened with a lawsuit to collect a debt that never existed, sworn at, refused the name of the collector I was working with and refused the name of the company. I simply do not understand how they can prey on the innocent and they need to be stopped. Best Buy Corporate has been notified that the entity at the XXXX is actively using their name and threatening innocent people.
Consumer complaint received 2017-12-19
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: Bread Financial Holdings, Inc. (FL)

Since XX/XX/XXXX, I have reported that I am no longer liable for this account since it has been 7 years that it was first reported to XXXX. This account is for XXXX XXXX which has been closed for over 10 years. I have repeatedly requested that XXXX remove this account from my credit report but they continue to disregard my wishes. This account was closed in XX/XX/XXXX and should not be on my report anymore. The creditor reported this account again to XXXX on XX/XX/XXXX due to my dispute did not delete this account.
Consumer complaint received 2019-08-13
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. (MO)

My credit file is reporting accounts inwhich are not mines, not sure if accounts been mixed up because I'm a XXXX., or could this be all due to my wallet being stolen years ago, not to mention I'm a victim of the XXXX data breach. Either way I challenge these unauthorized accounts and demanding physical documentation before you and your companies report such fraudulent accounts. I'm also requesting your detailed Method of Verification in this immediate investigation, and you can not produce such physical documentation then you shall remove the following accounts immediately. 

1. XXXX {$250.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX   {$900.00} 4. XXXX XXXX XXXX/XXXX {$4600.00} 5. XXXX XXXX XXXX 6.  XXXX XXXX XXXX  7. XXXX/XXXX 8. XXXX  XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX
Consumer complaint received 2022-10-09
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. (MI)

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, 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 th

an seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A p
erson shall not furnish a account with my written instructions
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021, California EDD deposited a total of {$1900.00} into my pre-paid card XXXX Bank of America account. On XX/XX/2021 I checked my EDD Bank of America pre-paid card balance and it showed that Bank of America withdrew {$1000.00} from my account without my authorization. I called them to let them know they had taken the {$1000.00} from my account without my consent. XXXX, the first Bank rep I spoke with said she wasn't able to view that transaction so she asked XXXX of the higher-ups to look into it. Next she transferred me to XXXX from the XXXX department to confirm security, and then XXXX transferred me to XXXX in the claims department. XXXX stated that I'm claiming that someone fraudulently withdrew {$1000.00} from the ATM. I corrected XXXX by stating that my account shows that Bank Of America took {$1000.00} from my account and I did not consent to them taking it from my account. XXXX asked me where my card is kept and I told her in my wallet at home. XXXX decided to freeze my card and said I should receive another shortly. She also said that within 10 business days I'd get a Fraud Claims form to fill out and after the claims department review it could take up to 45 days for them to decide if they will honor the claim. It is unjust for Bank Of America to keep my money hostage that they took without permission and deliberate if they want to pay back my stolen money in 55 days or more.