davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TN)

Credence, This is your formal notice that the account in question is a result of identity theft, and I have also submitted a formal complaint via the CFPB portal. 
I would request that you immediately do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
Provide proof that it was removed from my report as-well I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, 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. 

I have enclosed a copy of my FTC Identity Theft Report. 

Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

Best Regards ; XXXX XXXX Mobile Number : XXXX
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Responses from both Transunion and XXXX indicate that the issue of removing a middle initial was resolved. I continue to receive mail with a middle initial however, which I have never in my lifetime used. XXXX took the appropriate action and removed said middle initial. All I ask is that Transunion and XXXX respond with a similar action and response.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

In regards to : XXXX & XXXX ( all accounts ) I asked for the contact information specifically whom, when, and how you verified the account as reporting accurate and didn't get it. On top of that I asked you to fix things that were 100 % incorrect just between the 3 agencies alone. For example ( as I sent in the mail ) the date of last activity is wrong between XXXX and XXXX my balance is reflecting on Equifax but is completely N/A on XXXX. The c/o status is even reported way more times via XXXX then XXXX which is another violation in itsself. The above law states after numerous attempts if an account is still inaccurate IT MUST BE DELETED ( You are now in violation of Law 15 usc 1681 Treatment of inaccurate/verifable info section 5A. ). You are harming me and my credit journey, my livley hood, my children 's lives because nothing can be done without great credit now and days. I asked you to verify and fix things and you changed nothing to be 100 % correct. We are all human please act as such! I fell on hard times I kept contact with the bank they even sent me to collections so not only was the debt paid/an asset to the company they kept the negitive account open AND the collections account for 0 reason. It is your job to hold the company accountable and you guys get paid for subprime borrowers horrible scores and I understand everything is about money but you guys are wrong this time!! I request my 1099 and I demand a deletion within 48 hours of this notice, 24 from the notarized one in the mail..whichever is first. I asked for a pay to delete MONTHS AGO and was told " it's paid '' numerous times. Now I will not even engage in that option.
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NY)

I would like to make a complaint against Shellpoint New Rez. They were the holders of my home mortgage ( resold to them since the mortg was initiated with XXXX back in XXXX ). I started a refi process to get a lower rate and move the mortgage from Shellpoint to XXXX XXXX. Since the apartment was a Co-op, it requires a Stock and Lease to close the refi. Shellpoint, as the lender, must possess that Stock and Lease and provide it to the new lender to complete the refi. XXXX XXXX XXXX the new lender ) requested the S & L from Shellpoint in XX/XX/XXXX. XXXXellpoint took 2-3 months to get back to us ( despite numerous emails and calls ), only to tell us they could not locate the S & L.

A new copy of the S & L therefore needed to be obtained from the Co-op attorney ( after Shellpoint produced an affidavit stating that they had lost it, which itself took months to obtain from them ). The Co-op lawyer charged {$250.00} to produce the Stock and Lease. Shellpoint refused to pay that fee ( which blocked the refi from closing ) despite the fact that the Stock and Lease was supposed to be in their possession, that they had lost it, and that their losing it required it to be reissued! Shellpoint stated that they would not pay the fee, but would reimburse me at closing for that fee. So, to unblock the refi, I ( the owner ) paid the Co-op attorney the {$250.00}. The refi is now closed XXXX XX/XX/XXXX XXXX, BUT the fee was never repaid to me by Shellpoint New Rez. Shellpoint has again not done what they said they would do. They still owe me the {$250.00} for the production of the Stock and Lease ( I won't even get into the hundreds of dollars their delays cost me in a refi that took 7+ months to complete due to their obstructionist behavior ). I have also filed a complaint during the refi process with the NY XXXX XXXX  ( case number : XXXX ) but the XXXX has been unable to get Shellpoint to repay the fee for the Stock and Lease ( the complaint with the XXXX and repeated escalations was the ONLY thing allowed the refi to proceed ).
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Hi, I have opened up a new HSBC premier checking bank account with following promotion- https : //www.us.hsbc.com/checking-accounts/campaigns/checking-offers/ # premier-checking-details I have opened the account from the landing page of their offer. 
Now, after meeting all terms of the offer, I have not received my bonus. 
I contacted bank and they gave me 2 reasons for not receiving my bonus and both the reasons are not correct - 1. First reason they gave me is that my bank account was not opened from correct web page which is wrong as I opened the account from their promotional page which i mentioned above and if there is technical back end error due to which the promotion was not applied, then I am not responsible for that. 
2. The second reason they gave me is that I had a bank account with HSBC in past 3 years which is incorrect and i have asked for more details around it and the same have not been provided to me. 

I met all conditions of the promotion and deposited more than {$15000.00} dollars in my account through my employer direct deposit. I am getting denied for my bonus for unjustified reasons. Please help me in getting my bonus. 

Thanks
Consumer complaint received 2022-02-09
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to XXXX XXXX XXXX but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-04-11
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: EQUIFAX, INC. (CO)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-04-21
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. (TN)

XXXX XXXX Balance {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX Balance {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX Balance Balance {$81.00} Date Opened XX/XX/XXXX
Consumer complaint received 2021-04-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (OH)

I made a purchase at a Gap store a few weeks ago and didn't have my card. When the store rep looked me up, he said I had two accounts. Shortly thereafter I received a new Gap card from Synchrony Bank. I assumed it was an updated card since the new card has the chip and pay wave features so I activated the card. Upon finding the old card to destroy, I saw that the cards had different numbers. I had not asked nor applied for a Gap Visa. I logged in this morning to my Gap account and saw both cards open. I called Gap customer service to close the Gap Visa card and was told that because I had activated it, the close would be effective for both cards. I asked for a supervisor and was left on eternal hold. I feel this was a bait & switch. I would like Synchrony Bank to close the Gap Visa for which I did NOT apply and reinstate my normal card.
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

On XX/XX/XXXX I won an auction for two XXXX  on XXXX ... The seller texted me requesting payment through Zelle. I made two zelle payments, through my XXXX XXXX XXXX account, totaling XXXX . The seller no longer exists and there are other victims from gunbroker who fell victim to this scam. The seller used a cell phone XXXX to text with me, and he used the name XXXX XXXX ( phone linked to bank account XXXX ) for the Zelle transfer. This is not fair, please help me. 
Thanks XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MicroBilt / PRBC (formerly CL Verify) (TX)

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

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 has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX has violated my rights. 
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 than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

Hello. 
Thank you for your assistance. 
On XXXX XXXX XXXX my debut card was lost/stolen. The thefts rang {$450.00} worth of things on my acct. mainly from gas stations and grocery stores where PINs arent required. 

My complaint is Chase Bank is Holding me responsible for the charges. No Pin was ever entered and card was reported stolen and turned off XXXX XXXX. 
They are trying to say that due to a financial misunderstanding with a merchant back in XXXX who was double charging me ( XXXX ) They saying thats card was never closed and because of that Im responsible for all these fraudulent charges amounting to {$450.00}. 

I am On XXXX, I only get {$1000.00} / month. 
No way did I do this, but the bank is refusing to give me back me money. 

Please Help. I did Everything I was Suppose to do, reported card lost / Stolen as soon as i was Aware and turned card off.
Consumer complaint received 2022-04-26
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 (IN)

I bank with Chime and have been for 4 years now. Never had an issue with them until this happened. XXXX XXXX I filed a dispute for returned merchandise. XXXX XXXX I received an email from chime stating that my dispute was approved and the amount of {$850.00} would be posted to my account. Well it was never posted to my account. I called chime on the XXXX and they said that the issue would have to be escalated to the investigation department. Its been almost 10 days and Ive yet to receive an update or my money. Ive called everyday since the XXXX and they keep giving me the same story well have to escalate it again and itll be 24-48 hrs.
Consumer complaint received 2021-08-20
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: Atlanticus Services Corporation (CT)

I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/FORTIVA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2020-12-02
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: Resurgent Capital Services L.P. (RI)

I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CBC Companies, Inc. (TX)

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits.

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.