davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-13
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 — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-09-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CO)

Freedom Mortgage has fraudulently charged me for force placed insurance. They purchased the servicing rights to my mortgage which had adequate hazard insurance coverage. Soon after I received a letter from them stating that they were going to purchase coverage if I did not provide proof of coverage. This proof of coverage has been provided to them several times. I had sent them a message through the servicing portal and they never responded to it. The co borrower on my mortgage called them and provided the proof of insurance and the service rep updated the record and assured that the insurance was fine.
Consumer complaint received 2023-01-11
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: Harley Davidson Financial Services Inc (KS)

Improper use of my report. In accordance with the fair reporting act this creditor has violated my rights, under USC1681 sec 602 ; states I have the right to privacy. 15USC1681 sec 604A sec 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer creditor as late for any purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX {$420.00} XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$610.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$110.00} XXXX individual charges for the same thing XX/XX/XXXX {$510.00}, {$200.00}, {$190.00}, {$190.00}, {$150.00}
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There is a Chapter XXXX Bankruptcy reporting on my credit file. Reference Number XXXX I have verified with USBK COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX They do not report or subscribe to TransUnion or XXXX so how is it possible that you have verified this info. Remove at once or I will file a lawsuit and seek damages.
Consumer complaint received 2023-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (OH)

I received an email from XXXX on XX/XX/23 saying a hard inquiry was done on my credit report for an XXXX credit card from Comenity Capital Bank. I called experian and was told I had to contact Comenity. Comenity confirmed someone by a name of XXXX successfully open an account but hadnt made an charges. It was tagged as fraud and closed. XXXX removed the inquiry from my report and I was given a XXXX yr fraud alert protection. Today on XX/XX/23 I received another letter from Comenity saying I tried opening a credit card for XXXX but it was denied, and to contact XXXX. XXXX told me I had to call Comenity. Comenity confirmed the attempt and told me it was denied. I was informed whoever tried opening the account has my birth date, name, home address and social security number. She tagged it as fraud and supposedly is alerting the credit bureau for removal. I made a police report as well and also changed my bank card. I have now as of today frozen my credit with all XXXX credit bureaus.
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (TN)

On Thursday, XX/XX/2021, I, the consumer and natural person, extended credit via my credit card ( social security card ) 15 U.S.C. 1602 ( l ) to SYNCHRONY BANK. SYNCHRONY BANK used my credit and I didn't receive any benefit which is a violation of 15 U.S.C. 1602 ( p ) for unauthorized use. As I read the terms and conditions, SYNCHRONY BANK did not conspicuously disclose my right of rescission under T.I.LA. 15 U.S.C. 1635 which holds them civilly liable under 15 U.S.C. 1640 and criminally liable under 15 U.S.C. 1611 along with a {$5000.00} fine. On Tuesday, XX/XX/2021, I sent my right of rescission along with a cease and desist letter under 15 U.S.C. 1692c ( c ). On XX/XX/2021, SYNCHRONY BANK sent me an e-mail requesting payment and they are currently still reporting on my consumer reports. These acts are violations to my cease and desist. Their reporting damaged my credit and caused me to be denied for a personal grantor business credit card from XXXX XXXX XXXX XXXX. SYNCHRONY BANK provided a monthly statement with a positive balance. The positive balance is a misleading representation. They attempted to collect a debt on my credit that I provided to them. I have sent an Affidavit of Truth with all of the facts and exhibits. I demand remedy for all injury against the consumer.
Consumer complaint received 2020-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MN)

A few months ago, I disputed an attempt to collect {$220.00} on behalf of XXXX, made by XXXX XXXX XXXX ( XXXX # XXXX ) regarding an ALREADY PAID final bill from XXXX. I have receipts and credit statements to prove this, so I disputed this through XXXX XXXX, sent them my evidence and wasnt surprised to find it removed from my credit due to a successful dispute relatively quickly. However, I then received a letter on the XXXX of XX/XX/XXXX from Credence Resource Management, another debt collector, stating that they had picked up that same debt. The id # for this account is ( XXXX ) I believe this to be predatory collections tactics, on behalf of one or both collections companies. This debt was never existent as the final bill was paid IN STORE, in XXXX Minnesota late last year XXXX XXXX ). 

Id appreciate an investigation into this, and Im going to be filing a lawsuit against one or both of these companies as well because this is just a plain predatory attempt to circumvent my rights, over nonexistent debt. 

If you can contact me at : XXXX I can provide all the necessary documents, receipts and letters as I have to scan them into my computer and Im typing this on my phone.
Consumer complaint received 2017-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XXXX XXXX, 2017 I received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, XXXX XXXX
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (PA)

To : Consumer Financial Protection Bureau, XXXX is continuously violating the Federal Law made by the Congress and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2021-09-13
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. (OH)

After disputing inaccurate information, using the online method, I find it to be very useless and only to benefit the reporting agency like it's a game. XXXX has a history of violating the FCRA by altering information, re-aging, adding and omitting information but absolutely never resolving an issue the honest way. 

I have included evidence of XXXX violations. Anytime I use online dispute process, XXXX alters whats being disputed and report the results. XXXX has NO LEGAL rights to keep altering and changing ANY information. That is considered FRAUD. And absolutely not accurate. 

On XX/XX/2021 I was left with no other choice but to send my request in writing to XXXX, requesting the account is verified and validated with original agreement, contract or account with my signature and date to match what the are actively reporting. 

XXXX continues to ignore and disregard my request, alters and change information and continue the inaccurate fraudulent reporting. 

It is the reporting agency responsibility to have 100 % accurate information on consumers they report. It is a total violation and against the law to post inaccurate information and even worse to furnish that information to other agencies and lenders. 

XXXX has done an extreme amount of damage to my report keeping my scores and ratings low. 

XXXX did not fulfill my request in the 30 days given, XXXX refuse to acknowledge the request and posted updated results without ever verifying and validating the request. 

I demand the inaccurate fraudulent much altered account completely and permanently removed immediately.
Consumer complaint received 2021-04-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX received a voicemail from a person named XXXX stating I was on his schedule to be served at my job. My husband received the exact voicemail on his phone. XX/XX/XXXX my employer received a call from the same man stating the same thing. He left a number to call and a case number. I call and talked to someone in loss litigation and was told it was a collection of a debt by Chase dates XX/XX/XXXX with the last payment on XX/XX/XXXX. I have researched and the statue of limitations to sue has expired. It is a time barred debt. They man I talked to said I would be served at my work place in 5 to 7 business days I asked to be served at my home. But according to my research their time has passed to seek legal action.
Consumer complaint received 2021-09-13
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: U.S. BANCORP (NY)

I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident.
Consumer complaint received 2020-11-29
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. (VA)

XXXX XXXX XXXX XXXX, VA XXXX < -- ( WRONG ADDRESS ) XXXX XXXX XXXX XXXX XXXX, VA XXXX < -- ( WRONG ADDRESS ). ( XXXX ) XXXX ( XXXX ) XXXX < -- ( WRONG PHONE NUMBER ). XXXX XXXX ( WRONG NAME ). XXXX XXXX XXXX XXXX Closed. {$9600.00} written off. 
XX/XX/XXXX. 
XXXX XXXX XXXX Account charged off. {$3900.00} written off. 
XX/XX/XXXX < -- - Remove all above FCRA violation, how is this verified? Inaccuracies placed on my report. FTC violation. They are also in violation of over the 45 days to settle the FTC violation by law. XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX < -- FCRA violation. How is this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report.
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: Experian Information Solutions Inc. (NV)

There are 6 accounts on my credit report that are not mine they do not belong to me i have not applied for this and nor am i going to pay for someone elses accounts. I have sent out multiple disputes with no avail I need this taken care of asap please. I dont know who else to reach out to since I cant get a hold of the three bureaus or get straight answers, XXXX - Acct # XXXX Amt {$9500.00} XX/XX/XXXX - Acct # XXXX Amt {$5500.00} XX/XX/XXXX - Acct # XXXX XXXX {$5800.00} XXXX - XXXXAmt {$0.00} XXXX - XXXX {$0.00} XXXX -XX/XX/XXXXAmt {$0.00}
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. (NV)

There are 6 accounts on my credit report that are not mine they do not belong to me i have not applied for this and nor am i going to pay for someone elses accounts. I have sent out multiple disputes with no avail I need this taken care of asap please. I dont know who else to reach out to since I cant get a hold of the three bureaus or get straight answers, XXXX - Acct # XXXX Amt {$9500.00} XX/XX/XXXX - Acct # XXXX Amt {$5500.00} XX/XX/XXXX- Acct # XXXX XXXX {$5800.00} XXXX - XXXXAmt {$0.00} XXXX - XXXX {$0.00} XXXX - XXXX {$0.00}
Consumer complaint received 2021-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit acceptance I got a vehicle from XXXX XXXX I was only allowed to get this one vehicle I had a car through them and it got totaled gap insurance said I had to go through XXXX XXXX If I wanted to get a car not sure how true that is I was desperate needed a car so I got the XXXX I had to put a lot down on it then they send me a letter saying I have to pay the XXXX that they couldnt get from gap insurance I told them I wasnt paying it its already been 4 months so they said they would take me to court for the money I told credit acceptance to come get the vehicle it was broke down and I was able to drive it for a couple months after I got it they just came and got it after me telling them 7 months ago to come get it they sent me a letter saying they took it to auction I said how much will I have to pay she said we didnt take it do you want the car back I said if I wanted the car I would of kept it she said well do you know someone who wants to take over the payments no maam I dont she said well you have to pay us XXXX what why do I have to pay that and you guys sold me a lemon she said take that up with XXXX XXXX we just did the loan
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX  XXXX, XXXX filed lawsuit claiming to represent Bank of America for alleged credit card debt, however they are not cooperating by ignoring discovery rules, not filing mandatory forms, allowed XXXX XXXX XXXX, unknown attorney and possibly a newly appointed judge appear at initial trial conference XX/XX/XXXX and ask for a non jury trial. The court set the trial date with this attorney who did not sign the complaint, is not employed by this firm, in fact is sole proprietor of her own law firm. Certain documents I mailed in a month ago werent posted by court clerk until I sent 4th sets with confirmation signature, court rules are clear. Before a trial is set theres a list of things required. I had car trouble that morning car wouldnt start so I missed the hearing, however the judge had a choice to excuse parties from appearing and utilize the mandatory trial conference form instead. The court rules say its mandatory however the opposing attorney did not file one. He filed an at-issue memo instead. Mandatory due to Covid form is required plus he wasnt there. This firm has been suspected of running a sophisticated scam by working with XXXX and XXXX XXXX collection agency to produce old debt in high volumes to use the courts to get judgements to collect money with proving the debt is owed by consumer. 100-400 complaints signed by robo signers never signed by attorney or even looked at by attorneys. They lie claiming they are retained by Bank of America. The fact that they are attorneys the consumer assumes or is under the impression they cant win, and dont answer the complaint. Well I did answer but how a court grants a trial based on no discovery no contract agreement with my signature not even a bank statement!?? Is beyond me plus to an attorney not a party to lawsuit. Im being denied due process of Law. Substantive. Plus Im judgement proof and attorney was sent proof. He knows I do not have anything but social security benefits, no property, assets, retirement no XXXX savings nothing. He knows I have been permanently XXXX since XX/XX/XXXX yet hes clearly planning to take my government XXXX benefits.
Consumer complaint received 2021-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (AL)

I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of Identity Theft. I responded to an email that led me to an unverified site that causes my account including my credit card information to be hacked by someone I do not know. I did not make a Credit purchased from them which appears on my credit report. I already filed a police report about this fraud incident.
Consumer complaint received 2021-09-13
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As I have stated over five or more disputes, XXXX XXXX does not have the correct dollar amounts shown on my credit report. According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. Please remove XXXX XXXX from all three credit bureau reports for the reason of inaccurate reporting. I prefer that we both avoid the pursuit of my rights under 15 USC section 1681n and 1681o, which require your compliance with the law.
Consumer complaint received 2017-07-27
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. (TN)

XXXX and Equifax are showing that my past Mortgage with XXXX is showing 120 days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact XXXX and Equifax and XXXX. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, XXXX and Equifax needs to state that the past mortgage with XXXX has been paid 100 % and was never late. Also, fix and update the foreclosure warning.
Consumer complaint received 2021-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Remove unauthorized, possibly fraud hard inquiry, XXXX via XXXX. I did NOT authorize this inquiry. I have filed a FTC complaint, provided affidavit and now filing a CFPB complaint. This unauthorized hard inquiry should be removed immediately.
Consumer complaint received 2019-11-12
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. (NC)

I have contacted Experian For allowing unverified information being reported to my credit report I asked Experian to verify and make sure that the information was correct I asked experience to provide me with the original contract with my signature and experience has failed to do so. XXXX XXXX XXXX is refusing to provide me proof of accuracy of the Debt they say I own
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery associates At XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.