davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (DC)

XXXX XXXX XXXX XXXX XXXX Texas and Westlake financial of XXXX ca is committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX  XXXX  and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a car loan or owe ANY amount of car loan and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. I am a XXXX person, and a XXXX veteran, and a XXXX person, and this company is committing fraud and preventing a wounded warrior from obtaining housing. This company is committing illegal acts and discriminating against XXXX persons and veterans. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING XXXX XXXX  AND ILLEGAL ACTIVITY.
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC. (IN)

On or around XX/XX/XXXX I received an email notification that I had a package ready for pick-up at XXXX. I was confused as I had not ordered anything and the label said " Hold at Location ''. The box contained an XXXX XXXX XXXX XXXX, which I did not order. 
I contacted the company that sent it, which is XXXX XXXX XXXX. They did not have an account for me and had no idea why I was sent a phone. Since the Federal Trade Commission states items not ordered but still sent can be kept or sold, I sold the phone on XXXX XXXX, XXXX. 

On XX/XX/XXXX I received a letter from a collections company named Halsted Financial Services saying I owed {$1300.00}. Letter says original creditor was XXXX XXXX XXXX and the current company that owns the debt is now XXXX XXXX XXXX XXXX. 

I called my local Police department on XX/XX/XXXX and filed a report. Police officer advised it sounds like ID theft.
Consumer complaint received 2020-11-03
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 checked my credit reports and I found items that do not belong to me. I requested proof of the account and did not receive a response from the credit bureaus. I also asked for a change of address and that was not done. I also did not receive notice 5 days prior to these accounts being placed on my credit report. According to the FTC and TCRA, I am supposed to receive a notification and I have not received a notification.
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (KS)

On or about XX/XX/XXXX, I called XXXX about my XXXX XXXX XXXX XXXX black phone ( SN XXXX ) breaking, using the accidental damage coverage I had on the phone. They accepted the claim and sent me a new XXXX XXXX XXXX XXXX black phone ( SN XXXX ) The new phone ( SN XXXX ), I received on or around XX/XX/XXXX did not work. The radio would not pick up the cell network. I did another RMA with the XXXX store now ( synchrony financial funded ) and they proceeded to send me another phone ( SN XXXX ). When I ordered this phone I was required to put a deposit down in case it was not returned. 

As of now, both phones were mailed by their respective deadlines. I then called and confirmed on or around XX/XX/XXXX to confirm both phones were recieved, and the XXXX store gave me an affirmative response. 

Now when I have called to check my balance on my Synchrony Financial card, they have charged me the full price of the phone that I returned to them via RMA. 

I do not have this phone in my possession, they did not take the charge off, and are not working with me. I have attempted to remedy this numerous times with no luck. They have charged me {$980.00} dollars I do not owe. 

I have requested they take the charge off and they have not. 

I have attached the tracking information showing the items were received.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance to the Fair Credit Reporting act. The list of accounts below has violated privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602 ( A ) States I have right to privacy. It also states the consumer reporting agencies can not furnish an account without my written consent. In section 604 section 2 15 USC 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 more than XXXX years. 

15 USC 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 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MA)

Our mortgage was transferred to SunTrust for servicing from XXXX XXXX. SunTrust continues to withhold far too much money in escrow for what we actually owe AND is applying tax payments to the City of XXXX that we do not owe. I called SunTrust multiple times to confirm this wouldnt happen, they messed up, and when I called asking for a fix was promised a solution by XXXX - which has not happened. A summary of details is below : This mortgage is for a condo- we are having taxes withheld in escrow at the rate that would apply if we owned the entire condo building ( we do not, we only own one unit ). Despite SunTrust having documetnation showing the overall lien for the building, our ownership % AND the fact that the entire condo building is being taxed as one parcel until XX/XX/- they are still wanting 100 's of dollars a month unnecessary for escrow. 

Additionally- SunTrust has decided ( for some reason ) to PAY the city of XXXX the taxes owed for the entire building. Again, despite seeing that we live in XXXX XXXX and the tax parcel is for the entire building- randomly decided to pay the city taxes for the whole building. We are not responsible for these taxes until the building is reassessed and parcelled out which will apply effectiveXX/XX/XXXX. 

Additionally- for some reason SunTrust randomly applied one of our principal + interest payments to the escrow account - which makes zero sense to us. 

Three things need to be fixed here : 1. they need to withhold taxes at the correct rate as per the documentation they have. 
2. they need to reimburse us for the payment they randomly made to the City of XXXX which are taxes we are straight up not liable for. They've basically taken money out of our account to pay someone else 's tax bill off. 
3. they need to go back - apply our payment correctly to P+I and recalculate our amortization schedule. 
4. they need to block all payments to the city of XXXX until they see a tax bill for the parcel SPECIFIC to our XXXX XXXX - not the entire building.
Consumer complaint received 2022-04-29
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Please see narrative in previous complaint XXXX-XXXX. While this complaint is related to the same issue, it is not duplicative : the bank provided a response to the complaint and did not perform the actions they stated. I have attached the banks response to that complaint. The account in question is still open as of XX/XX/XXXX. The bank has failed to close this account for three months, and for two months after they formally stated they would close the account in their response to my initial complaint. If the account is not closed in a reasonable period of time, I will seek legal action. Capital One recently suffered a breach, and I do not want an open deposit account with this bank. They have refused to do what they have stated they will on multiple occasions.
Consumer complaint received 2021-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MI)

I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used my debit card was at XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish school shopping. Thanks
Consumer complaint received 2020-07-24
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. (GA)

Made several attempts to dispute. 
This was XXXX BK XXXX was filed in error!!!! Was not privileged to file and there no course of action was taken and was denied. 
Transunion has failed to verify whom they spoke with at the US Bankruptcy, and how did they investigate! I asked them to remove, as it was filed in error and the time permitted to file was premature and therefore not enforceable. I asked credit agency to remove in XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX. I stayed Please remove unverified public record
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Society Business Services, Inc. (AZ)

This company ( XXXX XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN with XXXX, XXXX, and XXXX  credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (TX)

I was charged a contract termination fee from a wireless company 10+ years ago even though I was no longer under contract with them. This amount was sent to a collection agency. I contacted the wireless carrier and the issue was handled but the collection company continues to send me letters/bills for a {$500.00} balance that is no longer owed. I have told them repeatedly that this is inaccurate and that the debt is not valid. They then send me copies of old cell phone bills showing the amount billed even though it is not accurate. This collection no longer shows on my credit report and they continue to ignore requests for them to stop contacting me, especially since it is well past the statute of limitations in Texas where they can take any further action towards me. Also, the most recent letter shows that the original creditor was the wireless provider and then current creditor as XXXX XXXX XXXX XXXX XXXX but the letter is addressed from Credit Control LLC ... which gives the appearance that they just continue to sell my information.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services (TX)

I am reported late for XXXX and XX/XX/2022. The website allowed me to submits for a deferral request for the XX/XX/2022 payment. I feel that is misleading because it was not able to be honored I have attached photos below. The XXXX payment was pairs within 30 days. Payment was due XX/XX/XXXX. I made payment XX/XX/XXXX, that is XXXX days. That needs to be correct on my credit report. I have attached payment history below.
Consumer complaint received 2018-02-07
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Financial LLC (DE)

XX/XX/XXXX - XXXX, called me at XXXX XXXX, STATING I OWED XXXX XXXX XXXX   MONEY STILL. GIRL WOULD NOT STATE HER NAME. I FILED BANKRUPTCY ON THIS LOAN AND THE DISCHARGE OF DEBTOR DATED XX/XX/XXXX. XXXX XXXX XXXX WAS INCLUDED ON THIS DISCHARGE DATE. LOAN # XXXX DATED XX/XX/XXXX AT THE XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX - PHONE # : XXXX AMOUNT AFTER LAST PAYMENT MADE ON XX/XX/XXXX WAS {$450.00}. LOAN # AND THE XXXX STATED IN THE BANKRUPTCY PAPERS. THE LADY STATED THAT I TOOK ANOTHER LOAN OUT AFTER MY BANKRUPTCY WITH THEM. THIS IS NOT TRUE AND SHE OFFERED NO PROOF. XXXX XXXX XXXX WOULD NOT GIVE ME ANOTHER LOAN ANYWAY AFTER FILINING BANKRUPTCY ON THEM. I DO NOT NO WHAT KIND OF SCAM SHE IS TRYING TO PULL OFF - BANKRUPTCY CHAPTER XXXX CASE NO. XXXX. SHE IS IN VIOLATION OF THE BANKRUPTCY LAWS AND I DO NOT APPRECIATE THIS!!! PLEASE HANDLE THIS AND STOP THE HARRASMENT NOW. SHE THREATENED TO FILE A LAW SUITE .
Consumer complaint received 2018-02-07
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. (CA)

Others frauded my documents and to pull naming scams using XXXX herds of IDs and XXXX business permits and XXXX internet off my credit file and birth certificate Other pulled like frauding scams my credit files for XXXX plurized fraud scams fraud scams frauding my documents Others frauded my documents as mailing address Others frauded my documents as politican Others frauded my documents as police and sherrifs in many states Others frauded my documents as XXXX XXXX   XXXX Other frauded my documents as bedroom products
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am writing to dispute the incorrect reporting of my credit balance by XXXX XXXX XXXX. Within just 5 days, my credit was reported to have a balance of {$60.00} and {$310.00}, when in fact my actual reported balance was {$0.00}. I have no idea why my credit was reported in this way, as I have not made any recent purchases or payments. This error is causing me great frustration and concern, as it could negatively impact my credit score and financial standing. I kindly request that XXXX XXXX XXXX  investigate this matter and correct the error as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-04-29
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: World Omni Financial Corp. (FL)

In accordance with the Fair Credit Reporting Act Southeast Toyota Finance has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (FL)

I attempted to open a Chime checking account on XX/XX/XXXX. 

The application process asked me to scan my ID which I couldn't do at the time because I couldn't find it. I decided to go back to the application when I found it and left the website open. 

When I returned, it told me to restart my application because it timed out. I put in the same information and it declined my application immediately. I recognized this as the system thinking I'm trying to open a fraudulent account because my action of submitting a second application is suspicious. 

I contacted support immediately via email and they requested me to send a picture of my SOCIAL SECURITY CARD over email. 

I sent them a picture of me holding my ID, the front and back of my ID, as well as my social security card, despite my fears of identity theft in the event of a compromised system on their end. 

5 days later, they email me that they can not offer me an account which makes no sense. I am a college student, already have 2 credit cards in good standing and simply want a checking account that works for my needs. I don't want a brick and mortar bank. 

I seem to have fallen between the cracks in the Chime support system. I just want a checking account. It isn't that hard.
Consumer complaint received 2018-02-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACS Education Services (CA)

ACS/Conduit seem to be lacking in communication with their debt collection department, XXXX XXXX. I receive multiple phone calls from XXXX XXXX regarding debt that i have already paid. It is time consuming, it is bothersome and it is harassment. I also worry about their reporting tactics and if they are accurate when reporting my payment history to credit beuraus. ACS is unorganized, uncommunicative and make paying back my debt very difficult. Private loans like this and XXXX, need to have the same protections as federal student loans. These companies operate like scam companies. Please fix it!
Consumer complaint received 2021-11-08
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: WELLS FARGO & COMPANY (MA)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WFXXXX XXXXXXXX Account Number : XXXX This is not mine. 

2. Identity Theft CREDIT PLUS Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine.
Consumer complaint received 2021-08-17
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. (FL)

I have attached an account that all is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached a highlighted picture with all of the inaccuracies highlighted.
Consumer complaint received 2022-04-29
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. (DE)

Experian is reporting incorrect and inaccurate information on my consumer report. I did not give the permission to do so as required by the FCRA. I am a dictum of Identity theft and I want Experian to stop exploiting my consumer report for their gain.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX XXXX Account NumberXXXX  Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account NumberXXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account NumberXXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account NumberXXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number:XXXX  Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number:XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account NumberXXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account.