davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
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. (MD)

I had a unknown alleged collection placed on my credit report on XXXX.I already disputed this collection on my Equifax report and the account was deleted.This company did not give me 30 days to even respond to the alleged bill that was sent via mail.Which was dated for XX/XX/2020 and the collection was added on XXXX.I feel harassed because the collection was already removed and now had been placed back on my report.As stated under 15 U.S.C 1692e this company is being false and deceptive
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

I had a Mattress Firm account which somebody was able to gain that information purchase furniture and have a delivered to their address which is not mine. I had an open mattress firm account of which I purchased one bed and then within a couple months I had over {$5000.00} worth of charges on my account that were not made by me or sent to my property address where I reside.. I have tried for several months to get this resolved and the company refuses to remove the charges from my account. This person was able to change my phone number, my home address, and my email, somehow someway breaking through their safeguards. I have not lived anywhere but the current address that I reside at right now since 2016. I have tried multiple times to explain to synchrony bank what happened but they are unwilling to listen and say that they have proof that that furniture was delivered to that property address. I have tried to explain to them that that is not my property that is not my residence and that was not me ordering that furniture they are unwilling to listen and continue to charge me the over {$5000.00} in charges for the furniture that they delivered and their error. I think this is unfair and I have been trying to dispute this ever since I found out and I will not pay for the money because I did not make the charges. I do not even have an invoice for this furniture because I did not purchase it I do not even have a breakdown of what it is to dispute it. I have asked on several occasions to get a breakdown invoice of what is in question so I can file a police report and they are unwilling to send it to me or tell me the address where the furniture was sent to. The only reason I know where the address is that the furniture was sent to is because its now showing up on my credit report as my address and Ive had to dispute this as well because that is not my address. Please help me to resolve this and hold synchrony responsible for their mistake and allowing this person to make these fraudulent charges on my credit card. These businesses need to verify that these accounts are being billed properly and that people that on them are the ones making the charges. 

I am also having this problem with my other synchrony account for discount tire the exact same issue of somebody being able to compromise my account and gain access. Luckily I caught it before they could make any charges and close that account as well so this does not happen again. It seems like they do not do a very good job of safeguarding peoples private information so people that do fraud for a living can not gain access.. I have wasted countless hours on the telephone trying to resolve this and taking up much of my time dealing with customer service.. im still getting nowhere..
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (CA)

I.Q. Data International , inc. has a debt collection falsely appearing on my credit report for the total amount of {$4400.00}. The alleged original creditor name is XXXX XXXX apartments, where I have not ever lived or applied to live. The date appearing on my credit report as the open date for this collection is XX/XX/2017. 
Immediately upon learning of the debt I contacted the collection agency, I.Q. Data International and advised that the debt was fraudulent and did not belong to me. I  requested the address to mail in a dispute letter and the representative hung up on me. Each time I called back requesting to speak with a supervisor, the representative hung up on me. I then used XXXX to locate XXXX XXXX XXXX phone number and left urgent voicemails to contact me in regards to the fraudulent debt collection. After approximately one month with no response, I used XXXX to find the corporation that manages XXXX XXXX XXXX, which is XXXX XXXX XXXX. I was asked to submit a copy of my current rental lease, which I did XXXX at the time was XXXX XXXX XXXX. I was told that the debt collection would be deleted due to the account not belonging to me upon furnishing my then current rental lease, however that did not ever occur. All continued attempts to request removal of the fraudulent debt collection have not been answered by I.Q. Data International, XXXX XXXX XXXX, or XXXX XXXX XXXX. These communication attempts have been via phone and written letters to the companies.
Consumer complaint received 2020-10-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Clark County Collection Service (NV)

I noticed a severe drop in my credit score a few months ago and was able to see a negative mark from Clark County Collections. It shows the account was opened XX/XX/2017 although it was only a few months ago that I saw it on my report. I sent a letter on XX/XX/XXXX - Informing them they did not contact me in writing to verify the debt within five days of initial contact, in this case posting the derogatory remark on my credit, stating that I did not accept the validity of the debt, requesting that the remark be removed, requesting that all further communications be delivered in writing. 

On XX/XX/XXXX I received a letter from CCC stating that I was notified on XX/XX/17 about the debt. I was not. Further they did not include any information Validating the debt, only a print out of what their company claims as a chain of contact attempts. No copy of the original bill, no copies of anything I signed agreeing to be in any way charged or indebted and no copies of original letters. 

The only hospital visit I had offered a no-insurance 87 % discount if paid in full at the time of discharge. I made this payment at that time. I am not sure if this in regards to that hospital stay or something else as this company placed a remark on my credit report without ever substantiating the debt or providing any written contact until after I sent the letter above and stating that I would be making a complaint here
Consumer complaint received 2024-11-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My bank is Bank of America. I set it up when I was XXXX XXXX XXXX having my mother as a co-owner because I was XXXX. My older brother also had a bank account with bank of America with my mother as the co-signer My brother got scammed and money was removed from his account making it XXXX overdraft, he had to settle and agreement and was removed from bank of America as a customer but had to make monthly payments. 

Unfortunately this XXXX he didn't have enough in his bank account and their decision without my knowledge was to remove all money from my account in its entirety leaving it XXXX because i had incoming bills set. Their reasoning for this was because my brother owed money and they told me they're allowed to seize money from associated accounts ( even though theirs no direct link to my brother its because my mother is the common denominator ). I've received no notice, no one to explain this for me. 

I work so hard for my money and I don't understand how they can just take my money for my brother 's debt
Consumer complaint received 2021-11-11
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: CITIBANK, N.A. (FL)

I have 27 fraudulent transactions the were made on my account from XXXX in XXXX XXXX- I as never notified of any fraudulent activity- I got my bill and immediately called them - They were not able to verify my account due to THEIR issues and therefore have to send me a letter via usps- which will take 7-10 days - refused to issue a new card to me during the holiday season and it is attached to an airline so impacts my flying. The refuse to discuss any of this until I get the letter but did tell me the cared was not present and the number was manual put in. Many at the same store for the same amount but never was I notified until I got my bill- Now my card is shut off and it is the holiday season and won't send a new card and I have to wait 7-14 days for a letter they are sending - and refused to send an expedited later. I am trying to report fraud and they are making it so difficult I understand how people get away with it because the process is long and offers no help to the consumer - on my own I have called the police, the stores my card was used at - and 27 transactions happen on XXXX and I was never notified.!!!!!!! and many of the charges were identical amounts. After reporting it, and supposedly I get a email last night for an additional 3 fraudulent charges - I have spoke to numerous people at Citi cards and NOBODY will help me- and have left me with a card that is shut off so I will have declined charges for bills I use this account for and who knows when I will get a new card and after thus process do I even want to use this bank for anything????? The customer service is terrible and they seem to help the other guy and not the consumer. They have caused me stress, and questions as to whether my credit will be effected ..... They should be able to immediately help me when I call- I have the card in hand. Extremely unprofessional on the part of Citi cards... .seems like that want to help the bad guys more than their own customers.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX I entered Chase w/ a XXXX Letter of Guardianship to request my husbands addition to my account. The Branch Manager ignored a NV District Court Judges orders and denied my right to  sign on my husbands behalf. I filed a complaint on XX/XX/XXXX and another w/ the exec office on XX/XX/XXXX. To date, I have yet to receive an appropriate response. Since XXXX, the investigator on this issue can not return phone calls in a timely manner, I have left countless messages/requests for her managers to return my calls. Im regularly told theyre in meetings or on another call, Im assured theyll call you back as soon as possible. XXXX from their Special Ops dept., not a case investigator, called me, the call was unprofessional, inappropriate & filled w/ derogatory & discriminatory references to my husbands illness. This is outright discrimination against a XXXX individual. Chase was never provided with ANY information regarding my husbands condition. They were provided a Court ordered Letter of Guardianship granting me permission to act on my husbands behalf which they refused to honor. This is contempt and discrimination.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Im having a problem with Capital One Im currently going through XX/XX/XXXX and making payments of {$100.00} every time I make a payment whether its before or after its due date they continue to report it late even when I pay it early Im so sick of this I canceled the card the guy wanted to give me a lecture I dont wan na hear your lecture Ive tried to dispute so many situations with you guys and you do not care about the individual you only care about the dollar and the company I am writing to everyone I am so sick of the way you run your system and you wonder why people are broke homeless XXXX XXXX  and Im not one of those people Im a fighter I went to XXXX XXXX XXXX for four years I paid {$80000.00} to go toTo go to school
Consumer complaint received 2021-05-04
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: Bread Financial Holdings, Inc. (NJ)

I called the company and they said that on their end they do not have my payments late. But for the past 5months experience is saying that I have been making late payments which is not true because it come out of my checking account each month on the same day. Please fix this problem. It needs to be removed.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a copy of my credit report and noticed some hard inquiries that I do not recognize. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-10-23
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)

XXXX XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$210.00} XXXX - {$210.00} XXXX XXXX XXXX XXXX CHARGE OFF XP Late Dates : XXXX, XXXX XXXX  XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} REV {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX/XXXX/EF The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, FCRA must block the fraudulent information and the victim must be identified within four business days  after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-10-23
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. (TX)

I never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only one on the  documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

In early XXXX, I submitted a payment to Citibank NA. The law states that payments should be applied to the highest interest rate balance of the credit card As priority. 
Instead, they applied the payment to a term loan with a very low interest rate. Over the last four months I have been trying to have them correct their mistake and they continue to tell me that theyre working on it. Its not been four additional billing cycles and they have not taken care of this issue. I continue to be given the runaround by different managers and different folks in their call center.
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (NJ)

I haven't got responses from the credit bureaus despite of multiple dispute letters I sent for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX  Account # : XXXX
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (MA)

I contacted American Express about about a fraudulent attempt to acquire a credit card with my information. I informed them I have not applied to their company for credit and their fraud department assured the matter would be handled and it would not impact my credit. I received notice from my credit monitoring service of an inquiry made on my credit report after American Express assured me no such inquiry would take place
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

My Experian credit report is showing 2 separate collections accounts for the same thing. I have a past due account with XXXX/XXXX and they sold the debt to a third party collections agency, XXXX XXXX XXXX XXXX. However both are reporting the same thing on my report and it looks like I owe 2 separate debts which would double what I actually owe. I believe this is called double jeopardy. Please have one item removed and the company that actually owns the debt can remain and report it until it is taken care of.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strand Finance Inc. (NY)

I had an insurance policy with freeway insurance company who financed with strand financing. I paid XXXX dollars for my down payment and first month payment. I found better insurance and cancelled the policy 6 days after getting it. They kept telling me it was cancelled and the paperwork takes time to get processed I should recieve a refund in a month or so. Soon after I started receiving letters saying I owe money now. I was told to disregard now Im getting letters saying I owe money I speak to the representative one says I shouldnt owe anything thats freeway the other company strand says they dont acknowledge the New York XXXX XXXX of a XXXX day grace period on insurance cancellation. I feel like Im being extorted its all a scam.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX, DE, XXXX XXXX, DE, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} MO CHLD SPRT XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Consumer complaint received 2021-11-05
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. (OH)

I have two inquiries on my Equifax credit report that are inaccurate. One is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX '' and the other is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. '' I did not authorize these inquiries and I have no accounts or lines of credit with this entity. This is likely fraudulent, or it must be an error of some type. I disputed both of these inquires with Equifax on the afternoon of XX/XX/XXXX, and my dispute was listed as " resolved '' as of XXXX XXXX on XX/XX/XXXX. Both disputes were denied with minimal explanation from Equifax. Based on the speed of the denial and the lack of transparency, it is clear to me that this dispute was not properly investigated by Equifax. This is ridiculous and disappointing that I have two potentially fraudulent inquiries on my report and I have essentially been told " oh well, that is your problem '' by Equifax. There needs to be greater accountability on the credit bureaus to ensure that their information is accurate since it has such a huge impact on the financial health of consumers.