davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
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: SYNCHRONY FINANCIAL (TX)

I WAS SIGNED UP FOR SYNCB/BANANA REPUBLIC BANK CREDIT CARD FROM A BANANA REPUBLIC CLOTHES STORE EMPLOYEE ON THE DAY OF XXXX ON 2018 XX/XX/XXXX BY SAYING IT WAS A BANANA STORE MEMBERSHIP I NEITHER RECEIVED THE CREDIT CARD NOR USED IT AND I NEVER GOT A PHONE CALL OR AN EMAIL INTIMATION FROM THE COMPANY ABOUT THE LATE PAYMENTS OF THERE ISSUED CARD. I DIDN'T EVEN KNOW THAT A CREDIT CARD IS ISSUED IN MY NAME
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AL)

I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not validate nor prove that I am obligated to pay them anything.
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (FL)

Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.
Consumer complaint received 2018-02-20
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: Experian Information Solutions Inc. (MO)

There are 3 accounts on my Experian credit reports that do not belong to me. I have disputed these accounts and they are still listed on my credit reports even though they do not belong to me. 1. XXXX XXXX XXXX # XXXX, 2. XXXX Acct # XXXX, 3.  XXXX XXXX Acct # XXXX. These accounts do NOT belong to me and I want them permanently removed from my credit reports. Accounts # 2 and 3 show same account #, different companies, different balances.
Consumer complaint received 2018-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Placement Services, LLC (WI)

They Keep Calling Saying They Are A Pro Placement Service? A Debt Collector! But I Don't Owe Anybody Anything? I Asked Them Who They Are looking For But They Didn't Answer Me. They Have Called At least 20 Times, This Is A Scam! There Phone Number Is # XXXX XXXX XXXX
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX OR XXXX XXXX XXXX XXXX, MI XXXX Tues XX/XX/XXXXXXXX XXXX1 REQUEST FOR A List Of ITEMS Totaling {$9600.00} YOU HAVE REPORTED TO CREDIT BUREAUS AS 180 PAST DUE as of XX/XX/XXXX. THERE ARE MORE THAN 50 NEGATIVE ITEMS LISTED ON MY CREDIT FILES BY CREDIT ACCEPTANCE CREDIT ACCEPTANCE HAS A REPUTATION OF RUINING CUSTOMER CREDIT WORTHY. This car was PAID OFF by XXXX, I NEVER RECEIVED A LETTER FROM CREDIT ACCEPTANCE FOR MORE THAN A YEAR OF ANY BALANCE. WHEN I CHECKED MY CREDIT FILES, I SAW A HUGE BALANCE OF OVER {$9000.00} THIS CAR 'S VALUE IS LESS THAN {$5000.00} AS OF TODAY. HOW DID CREDIT ACCEPTANCE ARRIVE AT THAT RIDICULOUS BALANCE OF {$9600.00} FOR A CAR WHICH WAS TOTALLED AND PAID OFF THIS MATTER HAS BEEN REPORTED TO THE Attorney General 's Office in CA and ALL other Customer Reporting Agencies in the United States. CREDIT ACCEPTANCE obviously has not learned their learn from ALL the Lawsuits filed in State of Massachusetts ... .and the more than {$25.00} MILLIONS they were asked to pay for the BAD BUSINESS PRACTICES ..... 

You are to provide me with a list of items validating the {$9600.00} you have reported on my Credit Files as 180 Days PAST DUE as of XX/XX/XXXX, causing severe and irreversible damage to all my Credit Files.This information MUST be provided NO LATER THAN 10 days of receiving this letter. 
It has been more than 3 years since the XXXX XXXX XXXX was considered a TOTAL LOSS by XXXX Insurance for which your Company received a PAYOFF in the amount of {$7600.00}. 
Claim Reference # XXXX I have never received any correspondence from your company regarding until I pulled my Credit File on XXXX XX/XX/XXXX & noticed the {$9600.00} you reported as past due Your derogatory and unsubstantiated claim has caused me the following Life-Time IRREVERSIBLE Damage Healthwise Medically and Mentally XXXX ) Severe Irreparable Damage to all my Credit Files ( 3 Credit Bureaus ) XXXX XXXX Inability to obtain a reasonable Interest Rate on a Car Loan XXXX ) Inability to obtain a Mortgage Loan XXXX ) Inability to obtain ANY KIND of Credit Card XXXX XXXX Inability to gain employment ( Executive Level position ) due to Low FICO Score XXXX ) Severe Medical Conditions XXXX XXXX XXXX ( XXXX ) due to XXXX related to the amount you claim I owe and the permanent damage it has caused to my FICO Scores a. I have attached copies of my Emergency Room Visits and the related Costs XXXX ) Frequent Emergency Care Visits triggered by XXXX ( which is now a PERMANENT
Consumer complaint received 2019-03-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (OH)

Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from a medical center but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC to release my medical information to a third party. I am aware that HIPPA does allow for limited information is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPPA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the XXXX document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2020-08-25
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)

Experian is reporting incorrect and unknown information in the amount of {$14000.00} from XXXX XXXX XXXX. I do not have any knowledge of this account. It does not belong to me. I request it to be removed and deleted from my credit report.
Consumer complaint received 2019-11-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY (NJ)

Subject : American Express and their debt collection department XXXX XXXX XXXX are not providing the account numbers for my three credit cards. 

Issue : 1 ) American Express removed Auto pay access from the three credit card account.

2 ) American Express & XXXX XXXX XXXX refusing to provide account numbers for my three credit cards. I have the right to know my account numbers.

3 ) The monthly American express statements only provide the last 5 digits of my three credit cards.

Background I intend to setup online bill payment with my Checking for which I need the 15 digit account number for my three credit card accounts. I reached out to American Express on XX/XX/2019 around XXXX XXXX at XXXX and they referred me to debt collection department XXXX XXXX XXXX. American Express representative told me to call at XXXX which is the debt collector XXXX XXXX XXXX. I called XXXX & XXXX and they referred me back to American Express and refused to provide the three account numbers for which debt is owed. XXXX XXXX XXXX said American Express had instructed them not to provide to the customer. I contacted American Express again and this time the representative hang up the call and didn't provide the account number.
Consumer complaint received 2021-12-01
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. (NV)

Experian/Clarity has a 30 day late 60 days late on my credit file that has issues in which XXXX claims they placed on my credit report XXXX was taken money out both of my bank accounts in which they was reporting my account late after the bank stop payments to them trying to take XXXX payments at once out. 

When calling XXXX to pay off the account with the 90 days same as cash the price change every time. 

You can never get nothing in writing or letter nothing but he run around with XXXX claiming they place the late on my credit file. 

Every time calling rude hanging up attitude saying EXPERIAN place the info on there not them. 

I mailed them certified mail with no response to the issue
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc. (OH)

I had unauthorized transaction on my account in the amount of {$520.00} and I filed the dispute on XX/XX/2021. While trying to receive my provisional credit. This company closed my account for no reason at all. Also, according to the dispute resolution email sent regarding the provisional credit issued to me. This dispute wasnt filed until XX/XX/XXXX. 2 weeks after I filed the dispute. That was the day I was to receive my provisional credit. I have attached all documents regarding this. And I just want my money and provisional credit that I was issued due to the error.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Notice, it is a fact, Capital One is causing injury to my reputation as am looking to purchase a new home for family purposes Notice, am hoping Capital One is not discriminating against any of my rights as am exercising my rights in good faith. 12CFR 1002.1 ( b ) & 15 USC 1691 ( a ) ( 3 ) Notice, it is fact COVID-19 pandemic caused financial hardships in which resulted in a missed payment Notice, it is a fact, am in question, according to 15USC 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( bb ), if the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the Present on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminated?
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (PA)

XXXX XXXX Binance.us a XXXX company operated by Bam Trading Services , ( BAM ) froze my account due to " risk management ''. 
XXXX XXXX I opened a request ticket # XXXX asking them to please reopen my account.Along with the request I sent a picture of myself with I.D . and a hand written note with the date and request, also a video of me asking for the request, to help comply with ( KYC ) Know your Customer and ( AML ) anti money laundering procedures. 
I am recently retired and had at that time, {$95000.00} in the account. 
I did not receive any correspondence from them during XXXX and XXXX of XXXX. XX/XX/XXXX I opened another ticket # XXXX and asked for help again. I have reached out to their customer service many times on XXXX and XXXX and have only received responses from bots saying they will look into it.
Consumer complaint received 2021-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (PA)

On the morning of XX/XX/XXXX I opened my banking app to check my exact balance before I made a purchase on XXXX. When I used it the day before I had {$4100.00} and some change, I didn't want to go too far below that. 

As soon as I went to open the app, it logged me out. I went to log back in and it said my account was closed. I instantly started freaking out. Doing a XXXX search of " Chime closing accounts '' doesn't bring up any positive news cause apparently they will close peoples accounts and withhold their money for no reason other than " their agreement ''. 

I originally sent Chime an email, asking why, as well as any supporting documents for all of my larger transactions since I figured that may be why they closed it because of my XXXX  or whatnot. 

But I decided to call them to find out specifically why. 

You can not get through because the bot detects my account is closed and hangs up. Probably some of the most shady support tactics I've seen with any company. 

So I called XXXX XXXX. Upon reaching an agent, I confirmed my info and they said I have to talk to Chime. Originally they tried to give me a phone number and I said no that doesn't work so they transferred me to an agent. 

I spoke with 4 different people at Chime. All of them saying my bank account was closed due to a decision at XXXX XXXX, and my money will be refunded within 30 days. I wanted to know what specifically is the reason why they closed it. They wouldn't tell me just to email XXXX. I advised them I wasn't waiting 3 days to find out why they are stealing/holding my money for at least a month. They kept repeating the same thing and wouldn't even let me transfer my funds to my linked account. 

Next I called XXXX XXXX  since they're supposedly the ones who actually closed it. They told me the same thing. They said they will fill out a report and someone will be in contact in 2 to 3 business days. 

All of this was done on a Monday, and I have yet to have any response via any method at all.
Consumer complaint received 2020-08-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (IN)

In XX/XX/XXXX I applied for a VA loan from Quicken Loans. Appraisal was good for {$99000.00}. I wanted to borrow {$79000.00}. Right in middle of the process, Quicken told me I could not be eligble for a 2nd VA loan. So they gave me an FHA loan for {$76000.00} with higher interest rates and {$5500.00} on unnecesary closing costs. I called it bait and switch. Loan # was XXXX. I then reapplied for a VA mortgage in XX/XX/XXXX with XXXX XXXX XXXX and to my surprise and joy was deemed eligible for a VA loan in amount of {$91000.00} with my appraisal of {$110000.00}. My VA loan # is XXXX. My complaint is with Quicken because I feel they erred and owe me some damages at least in amount of {$5500.00}.
Consumer complaint received 2022-01-16
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: Continental Finance Company, LLC (TX)

I got an update about a change on my credit report from my XXXXXXXX XXXX on XX/XX/2021 about an Installment loan or New bank account inquiry for Continental FinanceXXXX and I dont recognize the inquiry nor did I give consent for this inquiry to take place.
Consumer complaint received 2020-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CT)

A XXXX quick payment on XX/XX/2020 was made through hacking my JP Morgan Chase checking account. The amount of {$1100.00} was transferred to a recipient s email of whom I do not know and is not listed on my XXXX contacts. I reported the incident immediately to Chase fraud department and made a fraud complaint. 
I than closed my bank account at my Chase branch on XX/XX/2020 as soon as the transaction went through. Took my computer to XXXX XXXX XXXX XXXX to scan for the hacks and viruses of which there were a few, and added a program to wipe these unauthorized dealings out and a anti viruses software was installed and activated XXXX on XX/XX/20. 
I changed my email and all passwords on computer and bank accounts for future on line banking, and Chase Quick Pay. I THEN FILED A POLICE REPORT FOR FRAUD AND STOLLEN MONIES, AS WELL. 
On XX/XX/20 Chase updated my claim, and is refusing to take responsibility for XXXX Quick Pay, a service they provide, and will not reimburse me my {$1100.00}. This is a not acceptable as I am a Chase private client and it is my money that was taken from my Chase account and given to whomever without my consent! 
XXXX has no customer service nor person to complain to or answer to this problem. They refer all calls for customer service to your Bank of choice. No one is taking responsibility. Please Help. Thank You.
Consumer complaint received 2021-12-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (WI)

I have had an XXXX credit card for over seven years and have never been late. They were with XXXX bank and switched over to Barclays Bank ( XXXX XXXX XXXX ) in XX/XX/2021. I was not aware of the switch over and didn't receive their card until XX/XX/2021. When I realized the switch over I went online to see what was going on and discovered they were showing a late payment. I called them ( Barclays ) immediately to get it straightened out. They said there were glitches in the switch over apologized for the error, removed late charges and assured me that a late payment would not be reported to the credit bureau. Today I checked my credit report because I received notice from XXXX that my credit score had dropped considerably ( XXXX points ). When I checked my report I found that Barclays had reported a late payment for the month of XXXX. I pride myself in always being on time with all my payments and have never been late on any payment in over 20 years. I called Barclays on XX/XX/XXXX at XXXX a.m. and they would do nothing to help me. I believe their reporting practices should be investigated. Please review my credit report which will show you years of on time payments.. Thank You for your help.
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates, LLC has refused to settled my debt. I paid my debt off on XX/XX/XXXX. I was served paper work for small claims court on XX/XX/XXXX. I called Portfolio Recovery Associates immediately on XX/XX/XXXX after receiving the papers. They assured me that the debt was paid in full and that they would notify the legal department and that they would send me a letter of pay off. Portfolio Recovery Associates told me to attend the court date and show the letter of payoff. I attended court to find out that the attorneys paperwork showed I still owed a balance. Another court date was given to me to be at for the same matter. The attorney directed me to call XXXX ( Portfolio Recovery Associates ) to take care of the matter. I got the run around again. 


Portfolio Recovery Associates LLC has repeatedly refused to mark the debt as paid for the courts. Court documents reveal that PRA, LLC has had the payment information on the pay off since XX/XX/XXXX. Repeated calls to mark the debt as settled have been ignored. 

Portfolio Recovery Associates LLC has needlessly damaged my credit, willfully ignored our requests and demanded payment AFTER the payoff. PRA LLC has harassed and refused to work with us. On the phone they say they will assist us, but there is never any follow up. The attorney for PRA LLC at the hearing showed a balance on the account. This PROVES that PRA LLC did not follow through.

Our credit has been damaged by PRA LLC and we need to be made whole while alerting honest citizens to their dishonest and ugly collection tactics.