davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST NATIONAL BANK OF OMAHA (VA)

- Received a letter on XX/XX/2022, stating that the bank would like to verify some recent activity on my account. In the meantime, they are going to put my account on hold - I called them and spoke to the representative and stated that I never banked with you all and I did not open an account. 
- She put in a fraud alert and emailed that department and informed me to log onto FTC.gov to make a report and to contact the three credit bureaus as well as to contact XXXX XXXX First National Bank of Omaha ( Name of the Bank )
Consumer complaint received 2024-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (ME)

On XX/XX/XXXX, I noticed that I had multiple unauthorized transactions from XXXX totaling to {$2100.00} from XX/XX/XXXX. Apparently someone unbeknownst to me got ahold of my login information and got access to my account which had my debit card information stored on it. Once I noticed these transactions, I immediately cancelled the compromised debit card, emailed XXXX, and went to my local TD Bank. After waiting for the transactions to leave the pending stage, I went back to my local branch and they filed a claim on my behalf, the next day I heard back from the merchant who said the charges were unauthorized, but couldnt refund my money due to me cancelling the card, and I received a provisional credit from TD Bank for the aforementioned amount while their claims department looked over my case. The provisional credit went into my account on XX/XX/XXXX and I was told by the teller at TD Bank that I should have no problems getting my money back. Today, XX/XX/XXXX, I received multiple pieces of mail stating that the claims department found that I authorized the transactions, and will be taking back the provisional credit on XX/XX/XXXX. I have attached screenshots from the merchant saying that the charges were fraudulent.
Consumer complaint received 2022-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL (TX)

I contacted Synchrony Bank on XXXX to close my account and transfer {$510000.00} to my XXXX bank account which has been linked to my Synchrony Bank account for XXXX  years. I was told i would have the money within XXXX business days. I expected the money by XX/XX/XXXX. On XX/XX/XXXX i called Synchrony Bank when XXXX told me there were no pending XXXX  transactions for my account. I was told i would have it by the end of the week. I called again on XX/XX/XXXX I was told it was " in process '' and was being worked on at XXXX and could expect the funds on XX/XX/XXXX. Today, there are still no pending XXXX transactions. Synchrony Bank is holding onto my funds and failing to release them in a timely manner. I have spoken to many people and they don't have anything to say except please wait.
Consumer complaint received 2022-11-16
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. (MI)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-29
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. (NY)

I reached out to XXXX XXXX. In the form of an affidavit on XX/XX/2022 via XXXX XXXX Mail and it was signed for by a XXXX XXXX I received a postcard in the mail on XX/XX/2022 stating my name was not in there system check with the XXXX XXXX XXXX. Upon receiving this information I drafted another letter and mailed it out to XXXX XXXX as a Notice of Default on XX/XX/2022, and it was signed for by a XXXX I called XXXX on XXXX XXXX to inquire about the notice that was recieved and XXXX XXXX stated they did not receive anything from me even though it was signed for by someone in their back office. On XX/XX/2022, XXXX recieved a second Notice of Default which was signed for by the same individual. I called XXXX on XX/XX/2022 upon noticing I have not got a notification of my documents being put on file. XXXX XXXX stated to me again that they have not received any documents from. 
XXXX XXXX unfair practices and becoming detrimental to my everyday life. 
In accordance with the Fair Credit Reporting Act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my expressed written consent. I did not authorize XXXX XXXX to furnish any inquiry on my Consumer Credit Report. 
ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a Business Advantage Checking Account with Bank of America on XX/XX/2022. At the time, Bank of America was offering a promotion where the account would receive a {$500.00} cash bonus when making {$20000.00} in Qualifying Deposits within XXXX days of opening and maintaining the minimum average balance for XXXX days. I fulfilled all the terms of the bonus, but Bank of America did not honor the bonus. The terms of the bonus from Bank of America 's website is attached.
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (FL)

I was charged by XXXX {$270.00} which is the amount owed on an XXXX. I offered to return the phone but they declined. I was billed by a collection agency, McCarthy, Burgess & Wolfe for {$320.00} on XX/XX/22 which included a {$49.00} ( interest. fees or cost ). It is my understanding that the FDCPA states that Debt collectors arent allowed to collect more than the amount you owe according to your original contract. It also cant threaten to collect any property that you havent put up as collateral. I am writing to complain about this agency for charging me the " fee '' of {$49.00}. 
I can not pay this in full {$270.00} due to hardships financially and can only manage to {$25.00} a month toward the original contract of {$270.00}. Due to covid, financial hardships and health issues I can not pay more. I am XXXX years old and live on limited income from Social Security and a small pension. 
I was offered a settlement amount based on 30 % off of the {$320.00} for {$230.00}. I can not pay this entire amount and it was based on amount which included fees if {$49.00}. I feel they are in violation of FDCPA rules when they charged me {$49.00} over and above the original contract with XXXX.
Consumer complaint received 2022-11-16
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (TX)

My car was repossessed by Bridgecrest/XXXX  today XX/XX/2022 for payment # XXXX being past due by 12 days. The payment was due to BridgeCrest on XX/XX/2022. The company has falsely repossessed my car stating that I have defaulted on the loan because I missed the First car payment when I didnt miss my first car payment. They are calling it a first payment default. I made my first car payment on XX/XX/2022. No where in my vehicle loan contract does it state that my car would be repossessed for missing a second payment. As of today I am 12 days past due on the second payment and the third payment is not yet due. I offered to pay car payment # XXXX and # XXXX tomorrow, but Bridgecrest refused to cure the loan so that I can clear the default. I did request that as well. I believe their practices as a subprime lender to be predatory and scammers. They took my down payment. They didnt try to work with me at all. Their consumer practices are unethical at the least.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2022-10-23
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-23
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. (MI)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX  Account # XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SLM CORPORATION (LA)

I have a Derogatory remark on my credit score. Showing that XXXX XXXX XXXX XXXX has 2 accounts one. For {$8000.00} and one for {$10000.00}. It shows the original creditor to be Sallie Mae. I contacted Sallie Mae and they told me they do not go to outside collection agencies and the amount I owe is substantially less than what is being shown. The account was opened on XXXX. It did not show on my credit until XXXX.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (NC)

This account has not been updated in a long time, 6 months, and are showing higher balances that what is update to date and is affecting you mortgage application. I have a XXXX balance and the creditor does not report accurately to credit bureaus. 

Creditor : XXXX XXXX
Consumer complaint received 2022-08-22
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. (NY)

On XX/XX/XXXX i sent a letter of dispute and an investigation request to the XXXX credit bureaus in order to remove incorrect informaiton as well as incorrect late payments reporting from my credit report. I tried once before to dispute online but i didn't know how to doa factual dispute. This time I did send them a copy of my XXXX bearues credit report and marked few inaccuracies for them to investigate. Each one of the credit bureaus opened an invastigation and closed it in a few days after without investigating at all. I decided to call each one of them to let them know that they didnt do any kind of investigation and they open a new one for few more days with unsatisfied results again. The XXXX burueas are violating my rights and breaking many FCRA laws by ignoring them completely. By law they have to report % 100 correct information in all XXXX bureas and if they don't then its ground for removal. I tried a few times to ask them and showing them the inaccuraies and the violations they have without a respound. On top of all that, they changed on one account the payment history, so mounts that were marked as paid before now shows " late '' and the other way arround. They add one more late payment on XX/XX/XXXX that wase n't there before so they made my situation worse. The credit bureaus stated that my account was properly investigated but how is that possible if on account # XXXX the open date is inaccurate, high credit is inaccurate, last reported date is inaccurate, date last active inaccurate and the date of last payment also inaccurate. On account # XXXX date opened, terms, last reported, last active and last payment also are incorrect and the payment history incorrect and inconsistent. They violating my rights under 15 U.S.C 1681 section 602 A states i have the right for privacy. 15 U.S.C 1681 section 604 A XXXX states : a consumer reporting agency can not furnish an account witout my written instructions. according to 15 U.S.C 1681 everything has to be % 100 accurate and i have the credit report showing inaccuracies. 15 U.S.C 166bA creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any reason.
Consumer complaint received 2022-09-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-12-12
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I am writing to express my concern regarding the inaccurate negative items on my ChexSystems report. I have submitted multiple complaints to ChexSystems requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, ChexSystems is obligated to remove these disputed items from my credit report. I kindly request that ChexSystems promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my ChexSystems report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2022-12-29
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. (NY)

Hello, I am writing because, I sent these companies letters for over 2 months disputing what they have on my credit report and the amount that some companies are saying I owe them and I still have not received any corrections to my account. They had a time to respond and they didn't and it should be removed. Also all 3 credit bureaus are not even reporting the same thing and is doing an injustice to me. please help me clear this up because what they are doing is unjust and wrong.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (FL)

To whom this concerns There is an Account opened in XXXX that is being reported in accurately to my credit report. 
My info is : XXXX XXXX XXXX This account was opened as a result of identity theft and its not mine and is reporting a balance of {$5900.00} It was then sent to collections in early XXXX as I had no knowledge of the account and was getting phone calls from the collection company. I told them it was fraud & sent them information regarding this a fraud repot via email, and they determined that it was identity theft and therefore they stop pursuing the debt and told me it was being sent back to TD Bank for official closure. 

Since then I assumed it was resolved but it is still been reported to my credit report I called TD Bank and they said they do not have any information regarding the account on XX/XX/XXXX. I spoke with a representative in the fraud department who opened a global security claim to further research. 

I have not heard back from the global security team within TD Bank. 

I have added a picture of the account that has been reported to my XXXX and XXXX XXXX profiles as well as the letters Ive sent to The Credit bureau which was them forwarded to TD Bank regarding this. 
I do not recall any response through mail which is a huge issue at a violation of the fair credit reporting act since they did not reply with any validation of the account. 

Again I thought this issue was resolved since the debt collection company told me in early XXXX that it was determined it was identity theft and being revoked by TD Bank from the collection agency. All of this should be able to be traced within TD banks communications with their debt collection company. I do not understand why the account is still being reported to my credit report even after this has been figured out please delete it as soon as possible from all credit bureaus As they claim theres no record of the account they have withdrawn it from the collections agencys and have failed to verify this.
Consumer complaint received 2022-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OR)

During the time of XXXX I unknowingly had multiple upon multiple credit cards opened in my name. I am not the owner of this debt, nor did I ever apply to get these credit cards. I was under the age of XXXX at these times and did not even know what credit was or how to apply for a credit card, let alone go apply for over 6 credit cards at the age of XXXX & XXXX. I highly suspect my personal information was stolen by my mothers ex-fiance. The reason I highly suspect he did this is because I lived in his house at the time as well as my mother and little brother ( who also has a ruined credit score because of mothers ex-fiance committing identity theft ). Again I lived in his house during these times these credit cards were opened up, which means he had very easy access to my social security card as well as my birth certificate or any other extremely personal information he could use to falsely identify himself as me in order to get some easy money. My mom 's ex-fiances name is XXXX XXXX. I am willing to give any information about him or myself in order to fix my credit. This is not fair and I should not have to pay $ XXXX in collections for XXXX XXXX XXXX actions. I am willing to do whatever it takes to prove this wasn't my wrong doing.