davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
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: ResidentCollect, Inc. (FL)

For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these  derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. 
The court has ruled that in Hinkle v. Midland Credit Management , IncXXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 

The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for.

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violatio
n.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Consumer complaint received 2020-07-06
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

I was approved for this credit card with the following terms : Free interest on all purchases for a year. Barclaycard did not honor these terms, so after I paid all charges I owed, I closed my account. Barclaycard then proceeded to charge interest charges and late fees. I contacted CFPB and they investigated and Barclaycard agreed to XXXX  my account. Currently, Barclaycard is reporting to all credit bureaus that this account is delinquent for {$310.00}. ( XXXX, XXXX, XXXX ). I have sent Barclaycard, XXXX, XXXX, and XXXX  copies of the following : The terms and conditions of the credit card, last statement of my credit card showing when I paid all my charges, and a copy of my bank statement reflecting this payment. Please help me to resolve this issue. The credit card number was XXXX. I closed this account on XX/XX/2016. 
I can be contacted at the following address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX-XXXX. Best regards,
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

I sold two items on XXXX XXXX. They required me to use PayPal for payment. PayPal has refused to move my money into my bank account - {$590.00}. The original hold was 21 days, then 72 hours, then it would be next day. That was 3 days ago. I need the money to rent a car to get to the XXXX for 2 XXXX. I can barely walk and I have already cancelled one appointment because of the delay in getting my money - which I need immediately so I can rent a car to get to take the tests.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. EQUIFAX XXXX {$7000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2100.00} USDOE XXXX XXXX {$4500.00} XXXX XXXX  XXXX {$28000.00} XXXX XXXX XXXX {$16000.00} XXXX  XXXX {$2200.00} XXXX XXXX {$890.00} XXXX XXXX XXXX {$410.00} XXXX XXXX  XXXX {$420.00}
Consumer complaint received 2021-04-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I have an open mortgage with mr Cooper loans. Today myself and many customers noticed multiple payments withdrawn without consent leaving my account negative. Some payments were refunded There was no payment due and I am not on auto payment either. Nobody answers their phone. Their XXXX page is flooded with complaints.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

The issue is me and my twin sister have the same SSN except the last number. It's alot of stuff on here and need to be removed due to not being mine and some might not even be my sisters. However, this issue has been going on for to long and I'm not getting the help I need to resolve this issue. I'm in the military and want to continue moving forward and this has me at a stand still. Immediate attention please. Thanks
Consumer complaint received 2017-08-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nations Recovery Center (NY)

This is my story with 'Nations Recovery Center '. Originally called on XX/XX/XXXX to inquire about a debt for XXXX XXXX '' I told them they were calling the wrong person as I had had this number for over 10 years at that point and knew no one by that name or had even met a XXXX . I told them to not contact this number again and that it was a mobile number. 15 minutes later I receive another call from them in which the hung up as soon as I said hello. I called back the number and talked to an operator who at that point said they put me on a no call list. I received two more calls in XX/XX/XXXX and XX/XX/XXXX which I either missed or blocked. Fast forward to XX/XX/XXXX and I receive another call at XXXX XXXX. I again tell the woman that she has the completely wrong number and that I 've already asked to not be contacted again, before I could get her name she hung up on me. I called back and spoke with an operator that transferred me to a supervisor. I told him the situation and he was unapologetic and said he highlighted the note in there system in red now ( really? ). Although he was reluctant I also managed to get the name of the woman that called me on XX/XX/XXXX ( XXXX XXXX ).
Consumer complaint received 2020-11-10
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. (NV)

In 2016 my father suffered a XXXX XXXX and was in my care.He passed Away the care of myself ; which required me to leave my residence and move in to my grandmothers residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts. All accounts are listed in the report.
Consumer complaint received 2020-07-02
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. (MS)

I have been reaching out to the credit bureaus in regards to my credit report since XXXX. They have not responded to any of my disputes. I have sent mail and faxes. They continue to ignore my requests.
Consumer complaint received 2020-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (WI)

I purchased a sectional sofa from Ashley Furniture on XX/XX/XXXX which included a loveseat with a power recliner on the end. I put the furniture purchase on my Ashley Furniture credit card which is issued by Syncrony Bank. When the furniture was delivered on XX/XX/XXXX, there was no recliner on the end of the loveseat. I called the Ashley Furniture store while the delivery was happening and I spoke to the sales rep that I worked with. She said she made a mistake on the order and put the wrong number on it which was for only a plain loveseat with no recliner. I told her I couldn't wait another 3 months for a corrected sectional and that I would just keep the sectional that was delivered but wanted the refund for the power recliner that I didn't get. The sales rep said she would have the manager do the refund and they would take care of it ( she stated it was approx. XXXX difference in price ). 

I still have the full price charges on my card and I have tried 3 additional times to rectify with Ashley Furniture but they keep telling me they will take care of the credit and get back to me ... but no one does. As of today, the charges are still the full charges for the sectional sofa that I did not receive. They never let me speak to the manager who is supposedly in charge of issuing the credit ... I am always told that the employee will get right on it and the manager will issue the credit.
Consumer complaint received 2020-02-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP (NJ)

i am 1 month behind on my credit card ; they call multiple times a day starting at XXXX till XXXX XXXX. I've asked them to stop and they dont. They are supposed to stop when i ask.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

My Home Depot Master Card was hacked and info sold. 
XX/XX/2020 XXXX # XXXX XXXX XXXX, Ca. 
I went to home depot to buy a drill. I realized I forgot my card. I went to customer service and obtained a temp. Card. Customer service asked on which accnt did I need temp card for?? 

I then informed customer service I only had one account. At that time she told me that a person named XXXX XXXX OF XXXX, HAWAII. 
I DID NOT AUTHORIZE THIS ON MY ACCOUNT. I DO NOT KNOW THIS PERSON BETRAYED BY MASTERCARD AND HOME DEPOT APPROVING ACCOUNT WITHOUT MY PERMISSION. MY INFO SOLD. I IMMEDIATELY LOST TRUST AND CANCELLED MY ACCOUNT.
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (CA)

Ally Bank sent me a notice stating that they made a business decision close my checking and savings account. I have over $ 40K in my accounts, am an active client, and have never been in deficit. There is no justifiable reason for them to close my accounts. They only gave me a couple of days notice, which gave me little time to open a new account with another bank and redirect all of my direct deposits and bill payments. On top of it all, there is no time to transfer my funds electronically to my new bank because it will take 3-5 business days to validate the new account, and Ally will close my accounts before the validation process is done. I have no choice but to wait for a check in the mail for all of my checking and life savings, with no guarantee or security that the check won't get lost in the mail or ability to expedite the process. I was told to expect the check within 7-10 business days, leaving me with no access to any money for over a week. Their customer service was useless and I was given contradictory information on each phone call. No one knew what to do or how to help me other than just saying they apologize for the inconvenience. I'm infuriated at Ally Bank 's actions and am at a loss of what to do.
Consumer complaint received 2020-09-04
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. (OH)

I've put in a dispute concerning my family members adding me as an authorize users on to account 's on my credit report and it not reflecting in my credit report. I was told to call the company and they will fix it when they update but was told they sent the complete file to the bureau. I'm requesting that the credit bureau update my credit file to reflect the payment HISTORY OF THE CARD IMMEDITAILEY. Ive also complained about my credit file not updating correctly and I've been told to contact the special handling department but its not a number to contact but an internal number to it has to be transfered but no one never picks up. I'm requesting to remove all blocks and alerts from my credit report immediately so my credit report can updated correctly.
Consumer complaint received 2020-11-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (IL)

I have received a letter stating that I owe XXXX to a credit card company. They are seeking legal assistance. The letter was dated on XXXX of XXXX, and I received it on the XXXX of XXXX.
Consumer complaint received 2020-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

I had an account that i paid on time every month without ever missing a payment. I recently tried to get qualified for a home loan and i noticed that i had a 30 day late payment from this account. I was never notified and i never fell behind on any payments. when i call no one can really give me a straight answer as to how it was late and honestly i don't have the records of it but i know i was never late because i had it set up on automatic payments from my account. Please assist me in getting this removed from my account and show my account as paid as agreed.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

showing ftc violations not removed ..

Inquires ftc 
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Federal government
Contact InformationXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX
XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal Date	XX/XX/XXXXBusiness Type	Personal loan companies
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXXRemoval Date	XX/XX/XXXX
Business Type	Auto financing companies
Contact InformationXXXX XXXX XXXX XXXX, TX XXXX   (XXXX) XXXX XXXX XXXX XXXX XXXX Inquiry DateXX/XX/XXXXRemoval Date	XX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX XXXX, TN XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXXRemoval DateXX/XX/XXXXBusiness Type	Auto financing companies
Contact InformationXXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX XXXX XXXX XXXX Inquiry DateXX/XX/XXXX 
Removal Date	XX/XX/XXXXBusiness Type	Finance companies - non specific
Contact InformationXXXX XXXX XXXX XXXX XXXX, TX XXXX  (XXXX) XXXX



accounts : XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX/LA XXXX

address: not mine 
XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2021-04-26
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: EQUIFAX, INC. (CA)

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. This is the second time within a year i've been a victim of identity theft.
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NY)

According to Federal Trade Commission guidelines, a debt collection can not be valid without the following criteria from a debt collector : The debt collection must be bonded and licensed. There are no licensing requirements in the state of New York, but the collection firm must show evidence that they are registered to do business in the state of New York through the Office of the Secretary of State in XXXX, New York. No such proof has been submitted with the attached letter. The debt collector must be bonded, no proof of bonding was submitted. A signed copy of the legal right to collect must be submitted showing proof of any power of attorney, transfer rights or ownership. No such documentation was ever submitted. Accordingly, the attached attempt to collect a debt on behalf of Synchrony Bank/Lowes is deemed VOID. My complaint for such documentation will stand in any state or federal court. Therefore, I demand a full compliance before XXXX XXXX attempts any debt from me personally without proper documentation.
Consumer complaint received 2020-05-19
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: EQUIFAX, INC. (AR)

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2020-05-19
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

All 6 accounts for my federal student loans with DEPT OF ED/XXXX  are now closed with a {$0.00} balance as they have been refinanced with the Department of Education to DEPT OF ED/XXXX XXXX. My credit report needs to accurately reflect this updated status as of XX/XX/2020.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. ()

I tried to open a back account for my sister ( she is XXXX, XXXX  and XXXX   XXXX ) and on XX/XX/XXXX and on XXXX XXXX received a letter from Chase bank that XXXX  saying they could not verify her identity. The application had her social security and home address. She will NEVERnave a credit report and what does that have to do with opening a checking account.