davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-20
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. (FL)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2017-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. I 've contacted this company a total of 3 times in regard to this matter. This account is also reported multiple times on several bureaus.
Consumer complaint received 2015-05-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BARCLAYS BANK DELAWARE (CA)

I disputed an amount legitimately, but Barclays failed to honor my Master Card Dispute. They do this with large purchases. Since, they did not honor my dispute and violated my rights and my Master Card guarantee, I then cancelled my card and paid all the outstanding promotional balance ahead of time. They have been harassing me for over 6 months now. Since I had to change Internet providers I also had to change my email address, so now they ca n't send me emails. They have harassed me with letters, emails and now many daily calls from a number XXXX XXXX XXXX, with the name Unavailable. They call me when I am sleeping, when I am in the bathroom and when I am away, but never leave a message. When I answered the call, I asked for a supervisor. The caller said she would be calling me in 30 minutes but never did. They are totally disturbing my peace and affecting my health. Because, I had XXXX ; thus, my XXXX ; thus, I get worse with this kind of XXXX. I get XXXX XXXX with XXXX, and get XXXX. I have to XXXX several times a day. 
They know I am in the right, because even though they threatened me to send me to the credit bureaus they have not, because they know they do n't have a valid claim and I do.
Consumer complaint received 2020-07-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2020 sent money to an overseas account in the XXXX to a person a XXXX XXXX at XXXX. After the transactions were made, I found out that the money wasnt going to that person, but to someone else XXXX XXXX XXXX And then was a constant attempt to get more money from me over {$1200.00}. The money I was scammed out of was {$500.00}. 
I submitted my complaint to PayPal for unauthorized wiring of money, and they investigated and said they could not stop the transfer even when they had prevented the transfer at the time of the investigation.
Consumer complaint received 2020-10-16
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

On XX/XX/XXXX we requested information regarding a refi of our home for a lower interest rate. We purchased our home XX/XX/XXXX for {$230000.00}. Financed {$120000.00} at a 5 % rate for 30 years. We submitted a standard form and posted it on the Internet. A gentleman by the name of XXXX XXXX was our primary contact. He assured us that with our credit, financial history and stability that he felt sure Cardinal Financial LLC. could provide this service. We paid {$500.00} that day for an appraisal, which we put on our XXXX XXXX. 
As of this date, XX/XX/XXXX we have had 11 revisions, repetition of information scanned to Cardinal. They continue to require information that does not have bearing and is repetitive. We are as of this date XXXX, XXXX terminating association with Cardinal Financial LLC. Delay of completion of this contract, multiple request for additional information previously supplied, concern regarding use of our private information are all factors. Any information provided to Cardinal Financial LLC May not be used.
Consumer complaint received 2015-12-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Arcadia Holdings, LLC (CA)

Dear Sir or Madam, I received a collection later from XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. 
I responded back to XXXX XXXX XXXX XXXX on XXXX by registered mail ( delivery proof attached ). I explained that the accounts listed are already paid in full as agreed and attached copy of checks paid to XXXX XXXX clearly mentioning the billing account number and final payments. 
XXXX XXXX XXXX XXXX. never responded back to debt verification request. 

I checked my credit report on XXXX and found that XXXX XXXX XXXX XXXX has reported XXXX accounts in collection. I reached out to all three credit agencies multiple times with all payment documents but still see these derogatory listings on my credit report. Every time, I sent the communication to credit agencies XXXX XXXX, XXXX, XXXX XXXX they responded back with 'debt verified ' response. 

I look forward to getting the justice in this matter.
Consumer complaint received 2022-07-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-07-20
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (WY)

I had Wells Fargo for many years and had to switch about two years ago as my questions about service charges, transfer charges, all sort of charges and get never get a resolution. I was even charged {$90.00} for a check to was returned ( was not to have happened as husband WAS added to account ) My late husband left me a large amount of money and when I went to bank for help with accounts etc., I was told to open XXXX different accounts with {$30000.00} in each account and if needed money, I could transfer between accounts. Why not put it all in XXXX account or XXXX at most. The girls last name was XXXX here in XXXX, WY. My many attempts to get help from the local branches was stonewalled by all local people. XXXX woman at the XXXX branch tried to help and must have been told to back off as she told me that even if her supervisor looked at my account and there was nothing they could do, really!!!!! I looked at all of my accounts numerous times and never could figure out all the crazy charges and the bank was obviously not going to help so I left, mad I might add and in talking to many people about this they had they same thing.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2015-08-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I recently filed for bankruptcy and asked to have my mortgage with XXXX America reaffirmed. Bank of America closed the account instead. 
When I called to ask why they said because they never received theirpaperwork back from the attorney. I contact the attorney, BofA neversent any paperwork. So I called back and requested they send thepaperwork. They assured me they would XXXX it. I waited a week, thepackage never came so I called again. This time they told me they showthe paperwork was requested, but they did n't show that it was sent. 2 weekshave passed and still nothing from BofA and now I am going to miss mydeadline to get this paperwork handled because BofA is doing NOTHING. 
Now I am going to have to request an extension from the court so thatmeans my bankruptcy is still in limbo and who knows if BofA is going todo what they are supposed to do. My attorney told me they are notoriousfor this behavior.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

I have multiple store credit cards with synchrony bank : Amazon store credit card and TJ Maxx, XXXX, home goods store credit card. 

Synchrony bank calls my house phone constantly. They also send me emails regularly, regardless of whether l made a payment. 

As I write this complaint those cards have been closed, although Ive been making timely payments every month. 

On XX/XX/2021 a payment of {$50.00} was made. On the XXXX of XXXX, upon receiving an email that the payment made a week earlier did not go through, l went ahead and made another payment of {$120.00} that same day. 

On XX/XX/XXXX I received another email from Synchrony bank, alerting me to yet another payment not received. Immediately, I picked up the phone and called Synchrony bank to ask why the payment l made on the XXXX hadnt reflected in their system. The associate said : l will attach a note to your account. But in order for me to update your account you must fax proof of payment to us. I told her I would fax that information to them on Friday, XX/XX/2021. 

But immediately after hanging up, and having sensed something unusual, l logged in to my online banking with XXXX l did a search using dollar amountand was able to find the transaction. {$120.00} was paid to Amazon store credit card. So l decided to call the bank again. And when I spoke with an associate she said : we found the transaction. But this has been happening, which has led to my card/cards issued by Synchrony bank being closed. All store credit cards l have with this bank are currently closed. 

Im submitting this complaint for myself. I feel as though Im a victim of discrimination. I need your help in filing a lawsuit against synchrony bank.
Consumer complaint received 2015-10-09
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (IA)

I have previously submitted a complaint against this company which resulted in them finally contacting me to get the issue resolved. I asked them the full balance remaining on the account and immediately paid the account in full. The account was supposed to have been closed. Several weeks ago I received a statement from them which indicated I had a balance of {$27.00}. I immediately called them and asked how that was possible considering I just paid the account in full. They stated that after I paid the account they added another {$25.00} late fee ( from the original issue of my not receiving statements from them XXXX. They removed this fee and stated that I had a XXXX balance and the account is closed. They apparently then proceeded to report to my credit that I had made another late payment.
Consumer complaint received 2020-11-25
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: Experian Information Solutions Inc. (IL)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Radius Global Solutions LLC (MN)

I been receiving harassing and threatening telephone calls, and XXXX threats from Central Credit Services, LLC., representatives for a debt, I do n't owe and do n't belong to me. The debt is a result of identity theft. Someone stole my identity and personal information. I am a victim of identity theft.
Consumer complaint received 2017-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

The following inquiries were disputed several times to equifax and they will not remove them. XXXX XXXX, XX/XX/XXXX ... I applied for my account with them in XXXX. No requests were made in XXXX XXXX, XX/XX/XXXX ... no idea what company this is XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX XXXX, XX/XX/XXXX ... I applied for a job with them, not for credit
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: EQUIFAX, INC. (NC)

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 : XXXX : Account NumberXXXX Account NameXXXXXXXX XXXX XXXX  : Account NumberXXXX Account Name : XXXX : Account NumbeXXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account number : XXXX Account Name : XXXX Account number : XXXX
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2021, CHASE BANK denied my application for obtaining credit with the CHASE FREEDOM CARD. This is in violation of 15 USC 1691 ( a ) ( 3 ), of the FDCPA. ( proof attached ). CHASE BANK is not allowed to deny me my OWN credit. Pursuant to 15 USC 1602g and 15 USC 1602j, under the TILA, I am the Original Creditor and I have an open-ended credit plan. Pursuant to the FCRA, a credit report does not determine whether I get " approved '' or not. Credit Reporting Agencies assumed the role of creating credit reports and files. CHASE BANK 's denial has not allowed me to obtain the credit I am entitled to as an Original Creditor and has caused my life stress, violating my rights as a federally protected consumer under 15 USC Chapter 41.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (TX)

I am requesting reimbursement for the private mortgage insurance payments I remitted to the Servicer as a part of my mortgage. On the following dates : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I made a concerted effort to attempt to informally resolve this matter. 

The Servicer responded via e-mail on XX/XX/XXXX & XX/XX/XXXX indicating I do not have any " unearned premium '' which contradicts public law 105-216, XX/XX/XXXX, 112 Statute 897, also known as the Homeowners Protection Act of XXXX which promulgates, " Not later than 45 days after the termination or cancellation of a PMI requirement, ALL unearned premiums for PMI shall be returned to the mortgagor by the Servicer. '' The Servicer is failing to adhere to the federal statute referenced above.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-08-13
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: EQUIFAX, INC. (NJ)

Effective XXXX XXXX, 2017, Equifax and other CRA 's adopted new policies that developed enhanced public record data standards for the collection and timely updating of civil judgments and tax liens. The new credit reporting law applies to new and existing public record data on respective credit reporting databases, and will require a minimum of consumer personal identifying information : Name, Address, and SSN and/or Date of Birth.
I have sent previous letters to Equifax requesting the removal of inaccurate information from my credit file, and they have failed to do so. They continue to report the disputed item regarding the public record, specifically an incorrect tax lien. Their egregious conduct is unacceptable and must be addressed. Again, I am requesting that the negative item be removed from my credit report immediately.
Please resolve this matter as quickly as possible.
Consumer complaint received 2016-05-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing this complaint because EQUIFAX has ignored my numerous request to provide me with the documents that their company has on file that was used to verify the accounts I daisputed being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA-They are required to '' Promptly delete all information which can not be verified '' that I have disputed. Thank You!