davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-17
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. (FL)

In Accordance with The Fair Credit Reporting and XXXX Account Below Has Violated My Rights : 15 U.S.C. 1681 Section 602 A Right to Privacy : 15 U S C. 1681 section 604 a section 2 I also states a consumer reporting agency can not furnish an account without my written instructions Experian : This account is not mine : XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX This account was paid off, should not be there : XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX  Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$3100.00} I dont recognize these Hard Inquiries, I did not authorize, fraudulent : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX Remove those Fraudulent Inquiries XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX REMOVE THIS INFORMATION FROM MY CREDIT REPORT, FRAUDULENT INFORMATION. 
I DID NOT HAVE SOCIAL SECURITY WHEN THIS ACCOUNT WAS OPEN NEVER HAD XXXX XXXX XXXX ACCOUNT XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX CREDIT CARD XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (IL)

I check my credit score on XXXX XXXX and realized it dropped 20 points. When I went to figure out why I realized someone opened a credit card in my name and maxed it out with a balance of {$1000.00}. I called the credit card company, Synchrony, and filed a fraud claim and had the account closed immediately.
Consumer complaint received 2024-02-26
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2020-12-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

My currently mortgage loan was with Ditech financial an Ditech filled a foreclosure on my loan in XXXX saying I had missed 6 months of payments. I called my bank XXXX XXXX and the sent proof that I was making all the payments Ditech said ok well reimburse your money that you paid us for the mix up. Ditech filled bankruptcy at the end of XXXX, Shellpoint Mortgage took over my loan. XXXX I was still behind I sent Shellpoint all of my documents showing what I had paid. I started make payments to Shellpoint and its XX/XX/XXXX my payments have not been applied to my account as of yet Im still out of about {$3000.00}.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

there was a credit balance on my XXXX XXXX XXXX XXXX I told American express to transfer XXXX XXXX XXXX credit balance to my American express XXXX XXXX, after several calls my credit balance from XXXX XXXX XXXX  card was transferred to XXXX XXXX card but a debit balance was also entered in XXXX XXXX XXXX XXXX card ending in XXXX Several calls and online messaging has been done, but to no avail. 

Service is ridiculous. 

take a very long time to take action.
Consumer complaint received 2021-10-12
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: Navient Solutions, LLC. (MD)

I have XXXX federal loans with Navient. I was under the impression that my student loans were in forbearance, however my repayment status changed without my knowing and they reported 90 days late to the credit bureaus. I called immediately and had them placed in forbearance but they would not remove the lateness from my account. It dropped my credit scores significantly and I have worked extremely hard to establish good credit.
Consumer complaint received 2021-10-12
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: LTD Financial Services, L.P. (FL)

XXXX XXXX I mailed a certified dispute letter to LTD FinanXXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 20 complaints on XXXX  they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Consumer complaint received 2021-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, 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 alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. 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.
Consumer complaint received 2020-12-01
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: ENCORE CAPITAL GROUP INC. (VA)

On XX/XX/2020, MIDLAND FUNDING LLC add a derogatory mark on my credit report per XXXX, XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL (GA)

In the Fall of 2019, my father and I co-signed on a XXXX  XXXX XXXX. We were approved for a loan and the account was assigned to Synchrony Bank. The dealership said the bill would be mailed to our house monthly and we could pay with cash or check. Being that is was 2019, I tried to create an online account with Synchrony to pay with a debit card or bank account, and it said my account number was invalid. So I knew from the get-go this was going to be tedious. I mailed two payments in before I moved to a new apartment and my address changed. I attempted to submit a change of address form and never received another piece of mail from Synchrony again. I called multiple times but there was no way to speak to a representative without an account number which was invalid and I didnt have! Right as this downfall to mine and my fathers credit began, so did COVID-19. I lost my sales job, and my dad, who is an XXXX  XXXX, had XXXX calls. I was unable to pay rent much less my motorcycle. I put off attempting to contact Synchrony until the pandemic subsided or until I could find another job. I am now employed XXXX  and ready to pay my bills to rebuild mine and my fathers credit, which Synchrony destroyed, and my credit report said they CHARGED OFF and CLOSED my accounts. It also said they didnt even receive the two payments I sent them and that Im a YEAR behind. I cant even get in touch with these people. Its made me not even want the motorcycle anymore and makes me sick to think of it when Im riding but I will literally pay these people weekly out of my checks instead of monthly in order to get things on track so it will fix my dads credit. I dont even care about mine, he worked YEARS to get his back up and Synchrony destroyed it. I dont want a huge ordeal, I just want them to contact me and work with me so my dad doesnt suffer.
Consumer complaint received 2020-12-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020 I discovered my debit card was missing and asked around for it but no one had it seen it and I thought I had given it to my sister and she misplaced it again so I just decided to wait untill it pops up and it it didn't in a week report it. The next day on XX/XX/2020 i meet up and stayed with the person who stole my card without me knowing. In the morning of XX/XX/2020 and he asked to borrow my phone to make a delivery to earn money from a family member real fast and that he would be back in 40 mins tops. I decided to let him use my phone and he left me in his house for hours before returning. Once he returns we get into an argument about him disappearing with my cellphone and he takes me home and it's almost XXXX. I had made plans with a friend so I proceeded to go to their house where I spent the rest of my day. I returned to my friends house first thing the next day on XX/XX/2020 where I spent the day again before going home. On XX/XX/2020 i go to my friend 's house first thing in the morning. On my way to his house I decided to buy us food and discovered my account was frozen and a check had been deposited from a bank atm into my account for {$4000.00} half was pending thru cash app and the other half had been sent out thru XXXX. I called the bank the next day and was told couldn't do anything untill it was finished pending and was sent to the fraud units answer machine. They told me they would get back to me. On Thanks giving I called again and no one was in because of the holidays. On XX/XX/2020 i confronted the man who stole from me and a gotten threaten and blocked. I waited all day and no one got back to me. I called back XX/XX/2020 and spoke to the fraud unit and they told me because everything came from my account I was responsible and didn't really listen to me. They decided to close out my account with all my money. I have all my information on my phone saved from when I had to fill out paper work and I have the same pin for most things. She didn't listen. Currently I'm making a police report.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (SC)

I had my Navient and XXXX accounts consolidated with XXXX. Navient is still reporting loans in a negative manner instead of deleting from my reports as i no longer have loans with them. So now its showing as if i have XXXX different loans when i only have 2 none of which is with Navient.
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlantic Credit & Finance, Inc. (CA)

Attempted to close XXXX XXXX account, they kept it open on vendor side to add another {$300.00} in late exorbitant interest fees then sold my account to Atlantic credit & Finance, XXXX XXXX XXXX, XXXX, MI XXXX
Consumer complaint received 2017-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

In XX/XX/XXXX, Portfolio signed for a returned receipt letter ( please see attached ) on XX/XX/XXXX. Per FCRA REQUIREMENTS they are to mark my credit report as being disputed ( Section 623 ( a ) ( 3 ). Portfolio did not do this, ( please see attached ) They have broken the law and per regulations they are REQUIRED to remove and stop all collecting attempts. CFPB is there to protect and serve consumers rights as you can see they did brake this law!
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2020-09-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

To Whom It May Concern : On XX/XX/2020, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Experian 1. The account is collection/charged off account balance should be zero. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all. 

FOR XXXX  1. The account is collection/charged off account balance should be zero. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all.
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc. (TX)

We hired Square as our business credit card processor. After weeks of successfully processing and funding over {$100000.00} of sales, Square abruptly canceled our contract with no notice and no reason. Square then withheld a total of 3 transactions ( from last XXXX ) totaling {$9100.00}, promising to pay them in full by XX/XX/2023. Despite repeated emails to Square and responses that Square has received our dispute, none of the withheld funds have been returned to us. Square is now fraudulently withholding {$9100.00}.
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (VA)

I called Experian today and asked that 18 hard inquiries be removed because they are unauthorized and was told Ill Be out on hold for a moment while she enters all this information into the system. That was over 30 mins ago and Im still on hold. When I called to complain and try again. I was again placed on hold, this time the man hung up. First time was female
Consumer complaint received 2020-12-01
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: Premier Auto Sales, Inc. (AZ)

On XX/XX/XXXX, my son went in to Premier Auto located on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. He went in to see about purchasing a used car with his fiance. 

My son 's name is XXXX XXXX and since I had been into this dealership 1 1/2 years ago, they still had a file for me under XXXX XXXX XXXX on XX/XX/XXXX my new legal name was XXXX XXXX XXXX The salesperson assumed that my son 's fiance was me and he pulled my son 's credit and my credit. He pulled my credit without permission. I was not even at the dealership. I was not co-signing and had nothing to do with this transaction. 

I received a notification from 2 of my credit bureaus that a hard inquiry was done on my account and immediately contacted the dealership. My son was still there and confirmed that he never even brought up my name. The salesperson apologized and said it was his fault but didn't know how to fix it. I have been dealing with XXXX at XXXX since XXXX to get this inquiry off my credit report. Although he has been helpful and responsive, the inquiry is stil on XXXX  and XXXX  and it has been approximately 3.5 months. I am getting frustrated and feel that they are giving me the run around. 

All that I am requesting is that the hard inquiry be removed from both of my credit reports as they pulled my credit report fraudulently. 

Thank you for your time. Please contact me if you need further information.
Consumer complaint received 2020-10-21
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NC)

In XXXX, I was sued by XXXX XXXX XXXX  ( XXXX ) for two loans originally taken out with XXXX XXXX in XXXX. They were represented by XXXX XXXX XXXX of XXXX  XXXX, now XXXX XXXX XXXX XXXX. XX/XX/XXXX. Through my attorney, we settled for a lower amount, and I entered into a payment arrangement of {$200.00} per month for 84 months, starting in late XXXX. My last two checks to XXXX were not deposited, and before I made a third, I called them on XX/XX/XXXX. They told me that my accounts with them had been closed in XXXX because they were no longer allowed to collect debt outside the state of Virginia, and that my accounts had reverted to XXXX. But they could not provide me written documentation of any of this, and said they could only tell me verbally. One year later, I have still not received any written notification from XXXX  or XXXX XXXX XXXX, which they also mentioned on the phone.
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

Texas workforce commission deposited my unemployment via direct deposits to a XXXX account, ( XXXX XXXX ), in XXXX, Oklahoma that I never opened. T.W.C. says they verified this account and the only thing they can tell me is the phone number, last four of account and routing number. The dates and amounts are XX/XX/XXXX {$8800.00} and XX/XX/XXXX {$7200.00} was deposited to a XXXX account... I am told by Twc the last four numbers on that account is XXXX and the routing number ends in XXXX. I called with twc rep. on three way TWC can hear them telling me that I didn't have an account there and said it was Chime who would have my account. Chime says they did not have one either. I have submitted my driver licences via email to chime as I was asked to do and I get the same response no such account. Twc says I am on my own unless the money comes back to them. Then XXXX says no..then sends me over to Chime... same response, NO account. XXXX number for XXXX and dont have one there they transfer me to chime..they say I dont have an account. Then I am left to call twc again and it just keeps going in a circle. I opened an account with Chime and tried to open a XXXX  but the bank is not local ... ..to see if they could find it.. When I try to sign in from my phone I get a womans account thats not mine. I have the emails if that helps. I have contacted Obudsman for TWC as I was told to do and I just get the XXXX  Run around. 

Blessings
Consumer complaint received 2020-09-19
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. (SC)

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME I AM NOT RESPONSIBLE FOR THOSE ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL. THOSE ACCOUNTS HAVE CAUSED SERIOUS DAMAGE AND I AM IN DISTRESSED THAT THOSE ACCOUNTS HAVE BEEN REPORTING INACCURATELY. PLEASE REMOVE THOSE ACCOUNTS THAT HAVE BEEN TARNISHING MY CREDIT.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Credit report is locked. I never put a lock on my credit report and I want it taken off. It is stopping me from pursuing a need I want to take care of and dealership and bank ca n't access my credit report cause of this block that transunion has on me. Please remove now