davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, a unauthorized account was created and used in my name and was observed on my credit report. My information was hacked and was compromised/ exposed on the Dark Web in XXXX and also in XXXX. I am currently in a court settle agreement with XXXX  for several data breach leaks. They have already corrected the unauthorized information and deleted inaccuracies on my credit report. I have filled a theft identity report and have reported this fraudulent account information to XXXX XXXX and I was advice to report it to the credit bureaus for deletion. When accessing Experians website to view my credit report. It clearly shows that on the XXXX XXXX my credit file was locked, inaccurate and unauthorized information was reported. It also shows on Experians website that my social security number and email address. An address that belonged to a relative that I did not reside at the time was used to obtain a credit card account with XXXX XXXX via mail/ via web which is risky. I reside at a different address ( See credit bureau report attached with dispute of address I reside at in XXXX and also credit file lock ) My phone number, work information and name was found In the ( Dark Web ) and used accross the web without my knowledge or consent. I have been harassed by XXXX XXXX, have received many after hour calls and was told that even if the account was not authorized, they will still collect moneys not owed to them. I have obtain a lawyer that is working this case. A collection agency on the behalf of XXXX XXXX has been calling/ threatening me and also informed me that this account was Sold to them and I need to pay them. Attached with this dispute are documents proving my address was a different address that was reported to the credit bureaus prior in XXXX, where I resided. Also documents that my credit file with Experian was locked in XXXX XXXX. I was not contacted by XXXX XXXX or sent any documents in reference to this account being opened by me or to confirmed. My information was compromised and this account was opened via web without my consent or knowledge. I was not aware at the time to contact law enforcement and was also told to do a identity theft report once I observed this fraudulent information on my credit report. This account is damaging my credit file and this needs to be removed immediately. XXXX XXXX has been theft in reference to overdraft fees and fraudulent opened accounts and trying to collect moneys from the victim to gain profit. Listed below are also several unauthorized hard inquiries that was not consented by me. 1 ) XXXX XXXX- on XXXX, 2 ) XXXX XXXX XXXX XXXX and 3 ) XXXX XXXX XXXX. My drivers license was loss and replaced on XX/XX/XXXX. A few months after this account was opened by a unknown person.
Consumer complaint received 2020-05-13
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. (MD)

I have a charge off on my credit report for XXXX XXXX XXXX with a balance of {$8600.00}. I don't believe this is my account and have no knowledge of it.
Consumer complaint received 2021-10-28
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: Self Financial Inc. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), MACYSs claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that MACYS provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor
Consumer complaint received 2021-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (PA)

This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.
Consumer complaint received 2020-05-13
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$0.00} XXXX {$800.00} XXXX  XXXX {$71.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX {$1100.00} XXXX XXXX {$220.00} XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX {$92.00} XXXX XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$26000.00} XXXX XXXX {$720.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (AL)

I filled a " fraudulent activity claim with " CHIME '' on XX/XX/XXXX. I complied with the information requested plus more by " CHIME '' My claim was denied multiple times. In 3 of my conversations with " CHIME '' I was sent to a supervisor in the fraud dept and these 3 supervisors upon investigation said that they have not even opened my supporting documentation. 

The only explanation given for denying my claim is " No errors found '' Even though I send all documentation plus to support my claim.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CA)

My wallet was lost and it contained enough credentials ( I'm assuming ) for someone to initiate a credit application in my name. 

I'm seeing several hard pulls from varying sources. 

" Between XX/XX/year> and XX/XX/year>, an inquiry made by XXXX XXXX  was added to your credit report. '' " XXXX XXXX XXXX XX/XX/year> ''
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DE)

Equifax has yet again locked me out of my account for reasons unbeknownst to me. I hadn't attempted to access the site in about 4 months or so. However, my email remains the same and my password should have too. I attempted to access my account today to view my credit report and credit score and was not able to get access the site due to my password not being accepted. When trying to access I was instructed to contact Equifax. I did so, the representative sent me 2 reset links via my email address and neither of the links worked. My issue was then escalated and now I have to wait 3-5 days for help to get access to my account. I was given a ticket number # XXXX. 

I am inclined to believe someone in Equifax tampers with my account purposely and creates situations such as - difficulty accessing my account. Why would my password not work. The rep mentioned nothing about a system outage or malfunction. So what is the reasoning for this. I don't access my account every day, but when I do I'd like to be able to with no problem.
Consumer complaint received 2020-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing this due to non-compliance with the ( XXXX, XXXX, TransUnion ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-06-03
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)

On XX/XX/2021, I called XXXX XXXX XXXX  to inquire about an account that shows on my credit report as being in collections. On that same day, I settled the account with them for a lesser amount and was told that all three of my credit reports would be updated between XXXX XXXX to reflect that the account is fully paid. On XX/XX/XXXX, I checked my credit reports, and it shows that they did update my credit report but not showing that it had been settled, but that payment was received and that I still had a balance showing that it was past due. I disputed XX/XX/XXXX with all three credit bureaus to have information updated to report the correct information. I have received the dispute back on XX/XX/XXXX from Equifax, and the information that came back was after they researched the credit account. Account # - XXXX ( please refer to page 6 of the Dispute from Equifax ) The results were that the creditor has verified to Equifax that the balance has been reported correctly. The following fields have been modified. When I looked at my credit report, I saw that they updated the payment back to the original amount as if it never been paid. I sent in proof from the collector that shows this has been paid and settled. By the information being reported wrong again, this is going to cause my report to be affected
Consumer complaint received 2020-05-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2020-05-13
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: Experian Information Solutions Inc. (FL)

I have told Experian that I have not received anything from these companies and these accounts were opened as a result of FRAUD. These accounts need to be deleted and blocked from my report for XXXX XXXX XXXX XXXX & XXXX XXXX. 
Thank you in advance for assisting me with this problem.
Consumer complaint received 2020-05-12
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank (FL)

My loan began with Florida  Community Bank. In good faith effort to repay {$10000.00} for a short-sale balance due. This originated back in XXXX and was from a former line of credit. The documentation clearly indicates an excellent payment history. The load has a maturity date of XX/XX/XXXX. Over the past 6 years, I have made payments equal to or more than requested in a effort to avoid any late payments and repay the balance in a timely fashion. On several occasions, they have marked my payments late and have had to correct it by sending the credit bureaus letters of correction, which usually takes a month two for the correction to appear. In order to prevent this from happening over and over again, I spoke with the loan officer Ms. XXXX, whom I have dealt with many times in the past and has been very patient and incredibly helpful. Since the acquisition by Synovus, my payments have been showing up late and Ms. XXXX found that the bank refused our original agreement and decided to charge-off the account ; In turn, impacting my credit score negatively just as I was about to refinance my mortgage in order to lower my payments ( I have been forced to try and save due to the COVID-19 impact on our finances ). Synovus offered to reduce the balance if I paid 70 % in full. I have asked if they would consider 50 % to 60 % and clear my credit. It has been over 5 days and I have not heard back from anyone at the bank.
Consumer complaint received 2020-05-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Re : Bank of America credit card I've had my card since 2016 and never missed a payment. I did fail to pay min balance once, but corrected my error ( about 1yr ago ). Since, I have been paying twice monthly to insure that I was able to meet min due. Recently, I began receiving automated calls about my MC. I dismissed as spam call. Today, I received email re : delinquent acct. I called card directly, thinking it spam but was told that I am indeed delinquent. I inquired about payments & was told that the once in the middle of the cycle don't count. I am working to pay off card.
Consumer complaint received 2022-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NH)

" Chase '' Bank which started out fine and also holds my car payment which remains in no missed payments and no issues. MY credit card has different rules different stories. All was fine then one day it seems I was owed {$400.00} plus dollars " minimum '' due??!!! I am thinking what was minimum due maybe I did not pay close enough attention. BUT when trying to resolve it did not go well they were and still are relentless in their pursuit of this bill. My problem is they called so much that I stopped answering and I continued to pay them {$50.00} on the credit card faithfully and still am because of the constant calls. So figuring I had to solve this so now I answer their calls and they talk so quietly I can not hear them or say something that doesn't make sense when I ask them to repeat themselves they hang up on me. I guess this is payback for me hanging up on them. They are being childish they call I answer they hang up on me what am I supposed to do play games I don't think so. I will continue to pay {$50.00} until my bill is paid just I have been doing all along. It would be reputable of you to stop the reports you have done your damage.
Consumer complaint received 2020-08-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

My credit reports for XXXX, Equifax, and XXXX all show that my student loans were 90 days late as of XX/XX/2017. However, they also show that in XXXX and XXXX, the accounts were in good standing. I have disputed this with all bureaus numerous times and still they have not fixed these errors. My loans were in forbearance then in deferment so my payments were never late. I tried to dispute these errors again and the website would not allow me to submit a new dispute.
Consumer complaint received 2022-02-10
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. (FL)

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX are amongst the list. Every communication with XXXX, XXXX, and Equifax about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Consumer complaint received 2020-05-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

My loan was sold to Shellpointe Lending and then they sent it to NewRez. They have increased my mortgage payment either for outstanding property tax due ; even though I am 100 % exempt from property tax. They have increased my mortgage payment for increases in my homeowners insurance ; even though the insurance was significantly decreased, not increased. In both cases they would not return the funds ; stating that they had been paid to either the county or the insurance company and they would have to do so. When I check with both entities they said that they had not submitted requests for payment and didnt owe anything. This is predatory and very poor customer service!
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (AZ)

First of all, my account from one day to the next was frozen by a company called XXXX the bank says they have nothing to do with it and to get it unfrozen i have to go in to a bank and have it properly un frozen XXXX or anything like that can not be used. Im a XXXX XXXX XXXX at a XXXX XXXX and when this happen i was at home due to myself and others in my dept at work being diagnosed with covid they didn't care that i couldnt leave my home due to my XXXX XXXX they told me come in through the drive through and we will help you that way i did and when i got to the bank, of course, they wanted me to get down and that i did not do i was not going to out any kids or people in general at risk. i went home not being able to get to any money in over 30 days because i couldn't. I could understand if it was frozen due to the bank or because of something i did but it was because of a service i never even used or have ever used. not to mention that the money i wanted to use was a credit from a dispute i had to do before i even received my debit card through the whole process from the being i had so much problems then when i was able to use my money and pay bills those funds got frozen by the bank due to the fraud not in my favor they said a company where my card was used that was in another country. I had made those charges. they said i was lying and that i had even activated that debit card with my phone and thats absolutely not true but its my word against theres ive gone back and forth with this company and through all this my account went into negative status because all the charges were reversed and right when that happen my pay check of XXXX got deposited and my tax refund pf the same amount also got deposited but im still negative and according to them there is nothing i could do. Please help
Consumer complaint received 2020-05-13
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. (OH)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.