davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I have disputed alleged accounts from PRA prior and PRA has been unable to provide any proof of an agreement between myself and PRA, therefore if PRA believes there is an agreement with myself this would be a fraudulent agreement as I have never agreed to any agreement of any kind with PRA. PRA has failed to provide any proof and the letter they provided as alleged proof was addressed to an address that was not mine. I also have never signed any agreement with XXXX XXXX, so any signed agreement between myself and XXXX XXXX would be fraudulent. Therefore any account from XXXX XXXX would not be my responsibility. I have maintained the same stance and will continue to for the next 10-12 months until the 7 years has expired for CB publication. PRA will receive nothing from me and I will continue to legally fight these false contracts. I owe PRA nothing and they will get nothing.
Consumer complaint received 2024-03-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank did not notify me of renewal of CD, and renewed it for a XXXX month renewal. They did not send me notice of the renewal. 

The CD 's matured on XX/XX/XXXX, and I asked them on XX/XX/XXXX to release the CD, without penalty. 

They refused. They also refused to change the renewal to a shorter term. 

This exact complaint was placed in the consumer financial protection bureau on XX/XX/XXXX, by another customer.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello, On XXXX I lost my job. I was placed in a financial crisis and was unable to pay cards. Unemployment took a very long time and me and my children were facing eviction. I spoke with several reps at Capital one to see what I could do in XXXX. I started back working the end of XXXX and made a payment to try to avoid closure XX/XX/XXXX. They took payment and closed account XX/XX/XXXX. They applied my XXXX security towards balance. I went in account XXXX to make another payment and noticed account was restricted and closed out. They couldnt explain why/decision was made to close account. With everything going on with loss of jobs, financial crisis due to pandemic, it would seem some of these companies would have something in place to assist at this time. My account was open for over XXXX years. I am a single XXXX and was trying to purchase a home by next year for me and my family. This is XXXX  me.
Consumer complaint received 2021-06-07
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. (TX)

Sent letter in to XXXX stating that XXXX XXXX is misinforming, they sold my account to a collection agency in which I settled the balance with and they are still showing as I have a {$280.00} balance.
Consumer complaint received 2021-06-07
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. (TX)

Sent letter in to XXXX stating that XXXX XXXX is misinforming, they sold my account to a collection agency in which I settled the balance with and they are still showing as I have a {$280.00} balance.
Consumer complaint received 2021-08-19
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: Experian Information Solutions Inc. (PA)

I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.
Consumer complaint received 2021-05-30
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: EQUIFAX, INC. (OR)

Equifax is reporting XXXX XXXX to my consumer report. Equifax is in violation of 15 usc 1681b. And Equifax is willfully in violation FCRA. Under 15 usc 1681b Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. I am distressed that Equifax is reporting without my written consent to my credit profile and Equifax has failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports that they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Equifax is abusing me by and hurting the ability for me to provide for my son. Equifax is impeding and impacted my my credit and is hindering me from progressing in my life. 

I have already went to XXXX and FTC. Convergent is unable to provide me with any contract or proof that I owe this debt. They are in violation as well and are abusing me.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Services, Inc. (KS)

Credit Management Services contacted me regarding a hospital bill in XXXX XXXX XXXX Kansas which I have never been a client at or used services at, asked for verification of debt, the collection agency sent me the name & address of the hospital as " proof '' of the debt & said they considered that verification of the debt.
Consumer complaint received 2018-02-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MD)

On XX/XX/XXXX, I sent XXXX Ethereum [ {$5000.00} at the time ] to a smart contract from my Coinbase account, which failed, resulting in the money being sent back to my coinbase account. However, the wallet which it was sent back to belongs to Coinbase, and Coinbase has yet to place the funds back into my account. To date, XXXX has not sent me my funds back. The transaction Id was XXXX [ viewable at XXXX XXXX XXXX   ] The funds were sent back to XXXX XXXX XXXX where they still sit to this day. 

I have been unable to get Coinbase to rectify this matter. It should take about 3-5 minutes total for them to move the funds from this wallet to mine. It is unacceptable for this delay in time regardless of how " overwhelmed '' they are.
Consumer complaint received 2019-08-26
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: CREDIT ACCEPTANCE CORPORATION (OH)

I got a letter in the mail from credit acceptance they claim that they never received my credit identity theft packet that I sent in XX/XX/2019. It was sent via certified mail from the XXXX, va usps and it was notarized by XXXX bank in XXXX, VA. The address is XXXX XXXX XXXX XXXX, XXXX, VA XXXX and you may reach them at ( XXXX ) XXXX. I am very confused on how they didn't receive it. It cost money and time to send certifed mail and this have been going on for too long.
Consumer complaint received 2021-03-29
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Consumer complaint received 2023-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2020-01-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA has lied to this agency. They never sent me any paperwork after the repossession of the vehicle as they purportedly claimed to have done previously. They have reported this debt inaccurately to all three credit bureaus which I have the proof from 2 to 3 bureaus that the account is being reported falsely and fraudulently. 

Furthermore, I have received zero paperwork from Santander Consumer USA showing how much the vehicle sold for in proof that it actually sold for that price rather than taking them afterward due to the number of numerous class action lawsuits that they're currently involved in for deceptive lending practices. They turned around and charged off my account but yet they say the account is still open. How can a charged-off account be still open? 

They haven't sent me one shred of paperwork showing what sort of payment arrangements can be worked out and I was told after the conversation to repossess a vehicle that I would be sent paperwork showing how much do beagles sold for whereby I could resume making payments at that time. Conveniently Santander Consumer USA claims that they can not furnish proof of said conversation in which seems very highly suspect.
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Frauding scams using greely leap of a XXXX stores as a government listings Frauding scams using XXXX XXXX Fraud divisions scams using XXXX Frauding scams using XXXX business permits and products Frauding scams using 50 states groceries stores products using XXXX slaw products Frauding scams using diner menus using XXXX slaw Frauding scams using sports players accounts and internet scams Frauding scams using XXXX Fraud scams using XXXX homes and XXXX auto stores and XXXX media Fraud scams using XXXX with an H Frauding scams using XXXX XXXX as business permits Fraud scams using XXXX XXXX building Fraud scams using XXXX building permits Fraud scams XXXX XXXX bank and IDs frauding my documents Frauding scams using reality companys Frauding scams using realistate agents herds Fraud scams using XXXX XXXX Fraud scams using semi trucks Frauding scams using freedom frauding freedom high School Frauding scams using XXXX apartment Fraud scams using using XXXX homes Frauding scams using XXXX herds Frauding scams using weigart as attorneys in XXXX Frauding scams using XXXX families using XXXX Frauding scams using XXXX grade school as IDs and others business Frauding scams using XXXX boat 's in Florida Fraud scams using XXXX XXXX in Florida Frauding scams using XXXX XXXX in Florida Frauding scams using lolus resterant in Florida.. frauding scams using XXXX slaw in all 16 counties of Florida Frauding scams using XXXX slaw products thru XXXX XXXX  resterants franchises Frauding scams using XXXX slaw products thru XXXX 's and XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX dressing companies Frauding scams using brand advertising for XXXX food products frauding my family 's XXXX XXXX  record of XXXX Indiana of serial numbered documents Frauding scams using Maicke frauding scams frauding my grandfather who is XXXX  of XXXX Indiana Fraud scams using XXXX XXXX bank and XXXX XXXX franchises Fraud scams back through XXXX XXXX frauding IDs scams using XXXX Frauding scams using ticker symbol using XXXX frauding XXXX XXXX XXXX of XXXX XXXX Indiana Frauding scams using XXXX auto Fraud IDs using XXXX in insurance company workers and insurance fraud division worker Fraud scams using XXXX as XXXX advertising in XXXX Illinois Frauding scams using XXXX as XXXX prep colleges in XXXX Illinois Fraud scams using XXXX XXXX Fraud scams using XXXX auto repair Fraud scams using basketball XXXX Fraud scams using XXXX sports players Frauding scams using singers and bands and actors frauding scams using XXXX Fraud IDs scams using XXXX police IDs Frauding scams using XXXX school Frauding scams using XXXX politican listings Frauding scams using XXXX New York clothing Frauding scams using XXXX XXXX XXXX as IDs in XXXX  Fraud scams using book credits and book authors Fraud scams using chruch groups and pasters or ministers or preachers
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NJ)

I have an account on all 3 major credit bureaus that show a balance of {$13000.00} with Synchrony Bank for a Care Credit account. According to Synchrony Bank, I am unable to settle the balance with them because they have issued me a 1099-C debt cancellation on this remaining balance. Per Synchrony Bank, the 1099-C was issued in XXXX XXXX but the balance as of XX/XX/year> is still {$13000.00} even though they canceled the remaining debt. 

All credit bureaus continue to show a balance of {$13000.00}. 

I have disputed the balance on all 3 credit bureau 's website because I was issued a 1099, so the balance should be updated to {$0.00}. This continues to affect my utilization. I am unable to pay off/settle the debt directly and Synchrony is giving me a hard time to get the balance updated to {$0.00}. 

I have attached my full credit report from XXXX that shows updated balances as of XXXX. But I also pulled individual reports on XX/XX/XXXX that continue to show the {$13000.00} balance on all 3 credit reporting agencies.
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

I was in the process of refinancing my mortgage to lessen years of payment and drop PMI. My existing servicer, Lakeview, began sending me mail to refinance with them and it would be an easier process and they would beat any deal out there. I had a pending refi application that was due to expire on XX/XX/2019.

I decided to call Lakeview and see what they could do. On XX/XX/2019 I was assured I made the right decision to call Lakeview by a customer service representative. We worked up a great sounding loan over the phone as far as details went. He said I will get back to you in 24 hours to get additional information. I never heard from XXXX, instead I heard via mail a week later that my credit application was denied due to an incomplete application. In the meantime, XXXX did not respond to several emails from me. I called then on XX/XX/19 and was handed off by the first customer service rep to XXXX 's voicemail which hadn't helped me earlier that day when I called and left a voicemail. So I called back and go another rep he gave me XXXX 's manager 's number and I was told I should hear back within 24 hours, XXXX the manager is really good at getting back to people. Now it's Monday the XXXX and i feel this was all a ploy to get my application to expire with the other bank. I'm out of that refi application now and XXXX continues to not return any calls or emails yet has denied me based on an incomplete credit application? I'm not sure what is going on but this is unacceptable.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SS XXXX Birth Day XX/XX/XXXX I'm requesting from Equifax to follow the law and report all XXXX accounts on my Equifax credit report. 
Because of Equifax negligence my FICO score is down XXXX points. Either they are reporting incorrect information or not reporting my accounts and keeping my FICO score low.The banks have tried to report it to Equifax but for some reason Equifax is not able to report it on my credit file. For verification purposes I am sending you statements from all four credit cards. a copy of my driver license and utility bill. 
If Equifax fails again to report these accounts on my credit report I will be forced to take legal action for damaging my credit. 








XXXX XX/XX/XXXX EQUIFAX DO NOT have it on my credit file Account # XXXX XXXX XXXX XXXX. 
Exceptional payment history Opened XX/XX/XXXX ( EQUIFAX DO NOT have it on my credit file. 
Account # XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX DO NOT have it on my credit file Exceptional payment history XXXX XX/XX/XXXX EQUIFAX DO NOT have it on my credit file XXXX XXXX XXXX # XXXX Open XXXX XXXX
Consumer complaint received 2020-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (FL)

Good evening, thank you for your time, My credit score has been around 780 - 800 for the past 1-2 years. I had nothing reporting derogatory for the past 5-6 years. All the sudden, I see on my XXXX  XXXX  on XXXX  that paramount collections recovery has report two  delinquent payments, since XXXX of 2020. my credit score dropped by 30 something points. I have not received anything, also do not know what this is for. So assuming this is out of statute at this time. i did email them to remove it, but have not heard from them.
Consumer complaint received 2021-06-07
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. (FL)

I received a loan from XXXX in XX/XX/XXXX. I had some difficulty with the payments due to the pandemic. XXXX provided a month hardship deferral. According to my Experian report I fell behind in XX/XX/XXXX. However, the XXXX  reports shows a DOFD ( date of first delinquency ) as XX/XX/XXXX. I was shocked to learn that XXXX accelerated this loan after only 90 days, although the FDIC suggest 120 days for a close-end product such as this. It should be noted that with regard to XXXX the myFico combined report does not display any data for this loan.
Consumer complaint received 2021-02-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I have disputed late payments with my mortgage company. 

They sent me a letter which does not constitute validation of the payment history. 

I was on a repayment plan which provided a different amount then my and different due dates. 

The credit report verifies payments received in XXXX reported by XXXX. 

In XXXX I submitted a application for forbearance and never received a response from the company other than the confirmation email. 

I have provided copies of my credit reports showing the discrepancies between the bureaus which is been verified/certified as accurate by information provider XXXX.
Consumer complaint received 2021-02-02
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have disputed late payments with my mortgage company. 

They sent me a letter which does not constitute validation of the payment history. 

I was on a repayment plan which provided a different amount then my and different due dates. 

The credit report verifies payments received in XXXX reported by XXXX. 

In XXXX I submitted a application for forbearance and never received a response from the company other than the confirmation email. 

I have provided copies of my credit reports showing the discrepancies between the bureaus which is been verified/certified as accurate by information provider XXXX