davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/2020 I called Synchrony bank to close a HYSA. They lied and told me they closed the account and even sent an email confirming it was closed the following month I received a new bank statement available e-mail. I called immediately questioning why I was receiving this if the account is supposed to be closed. I called them on two separate occasions for a representative to lie to me and say the account was closed. Fast forward to today, same email again Ive been getting them every month. So I took upon myself to try logging in to their online banking and the XXXX  account is still open! I called customer service again today and asked for a supervisor regarding the issue. I was placed on hold for over an hour then they disconnected the call!! Im livid I want the account close. Im a victim of identity theft and the fact that there is an open bank account unknowningly to me all this time is so stressful.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my daughter.
Consumer complaint received 2022-07-26
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. (NC)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$160.00}
Consumer complaint received 2022-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (GA)

PLEASE SUBMIT VERFICATION OF BALANCE REGARDING XXXX XXXX XXXX XXXX THIS DEBT WAS PAID BY ME VA MONEY ORDER AND SHOULD NOT HAVE BEEN FILED WITHIN THE BR COURT OR IF PAYMENT WAS MADE AFTER XX/XX/2018 IT SHOULD NOT SHOW A CLAIM BALANCE. 

IF DISCHARGED THERE SHULD NOT BE A CLAIM BALANCE, A CLAIM WAS SUBMITTED INTO MY BRC FOR XXXX
Consumer complaint received 2021-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (KY)

It looks like Jefferson Capital purchased a date on a XXXX phone service bill. I had to close the phone service account with XXXX after my phone stopped working because they said my used phone should not have been activated for service and I would have to buy a new phone to continue to use the XXXX phone service. I asked them to close the account since I would rather have a different provider without this kind of headache. 

One month of service was around {$57.00}. So they must have let the account run for three months not even attached to a usable phone and with no one using the service for three months before closing the account and selling this fraudulent debt to Jefferson Capital. The XXXX agent on the phone must have not wanted to close my account under his name to avoid bad stats for his own job. I've already tried to dispute this account with XXXX and Jefferson Capitol separately, but to no avail.
Consumer complaint received 2021-04-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLIANT CREDIT UNION (OH)

Alliant Car Buying Service : XXXX XXXX XXXX  They advertise a .50 % off interest rate if a car XXXX purchase is found through their service. I found a car advertised on this website and contacted the dealer as instructed through this website. I then applied for an auto loan with Alliant Credit Union and was approved on XX/XX/21. 

The loan officer working on my application - XXXX XXXX Loan Consultant XXXX p : XXXX f : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS : XXXX I inquired about the XXXX interest rate deduction with him with the following verbiage : ( To XXXX  : ) " I found the car through the Alliant/True Car buying service and it stated I would receive a XXXX50 discount in rate if I found my car through that service. Is that included? '' - This was sent on XX/XX/21. 

I received a response : " To receive the XXXX XXXX rate reduction you need to upload the certificate showing the dealers name and address, your name and Alliants name on the document. '' Received XX/XX/21 I replied on XX/XX/21 with the following message. 
" What type of certificate do I need to provide? Does it have a name so that I can request from dealer? '' I had no idea how to obtain the requested certificate. There were no instructions nor any assistance through the car buying process that I could find assistance with this certificate. 

I never received a response from XXXX regarding this question. 
At no point did he state I needed to provide this documentation prior to loan funding. 

Without a response, I sent a follow-up email to XXXX on XX/XX/21 : " Can you please advise specifically what you need to give me the .5 interest rate deduction for purchasing through Alliants car buying program. '' I received a response from him on XX/XX/21 stating : " You would have needed to upload the certificate from our web site before the deal funded. Since the deal has funded we can no longer accept the certificate. '' No where was this communicated to me. My additional follow-up attempts were all ignored. 

I was not given an opportunity to receive the promoted rate, nor was I treated fairly in regards to receiving all information I requested. I would like to issue this formal complaint against Alliant Credit Union for their unwillingness to honor an advertised rate given the fact that I met requirements to receive it.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-06-01
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. (TX)

The items listed below are reported on my personal credit file and were found in my reports with Experian and XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-06-01
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. (OH)

I had done an investigation on my credit report which caused me severe XXXX to me due to me finding inaccurate, unverifiable, questionable, predatory and fraudulent even. 

The item on my report is the following : Account name : XXXX XXXX Account Type : CHARGE OFF ( Closed account ) Amount due : {$1200.00} Date placed on my report : XXXX Your agency did not make sure it was reporting as 100 % correct. 

In ordinance with the Fair Credit Reporting Act, everything has to me 100 % accurate on my credit report, and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these account ( s ) are in violation not reporting 100 % accurate.
Consumer complaint received 2023-06-01
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. (OH)

n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under a ppen end consumer credit plan as late for XXXX XXXX XXXX XXXX purpose.
Consumer complaint received 2021-01-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I have a mortgage through huntington Bank. In XXXX I signed up for the covid relief forbearance program. I did not have to pay my XXXX, XXXX, and XXXX payments. Then in XXXX I filed the paperwork to remove myself from forbearance and defer the missed payments to the back of my loan. I've now made 6 on time payments and my account still says that I'm in forbearance. Besides that my monthly statements show that I owe all those payments. In XXXX my wife and I started the process to get a loan on another property. We were pre-approved and began to move forward with the loan process. This was when I found out my account with huntington still showed my account in forbearance. I contacted huntington and they confirmed that I had been making my payments and my loan was no longer in forbearance. after multiple calls I got someone to agree to send me a letter stating that my loan is no longer in forbearance and my payments since then have been made on time. Its been two months and I've yet to receive that letter. This is now delaying the closing on my other property and I'm now calling daily to try to get this paperwork and every time I call they say they're going to send it but I have yet to receive it. This isn't right and they can't treat people like this.
Consumer complaint received 2023-01-20
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. (IL)

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 number : XXXX, Account name : XXXX, reporting on XXXX, Equifax, and XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX  XXXX and XXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX Equifax has violated my rights. 

Account number : XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. Reporting twice! 

Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Reporting twice! 

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 2022-06-03
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. (LA)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account 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 2022-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

n accordance with the Fair Credit Reporting act XXXX Account # 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 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-17
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. (NV)

iI have reported diffrent things appearing on my credit that are dealing with identity theft i have told the experian, XXXX, and XXXX and sent in police reports and im not able to get items removed the people were using my identity for alot of diffrent things
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (DE)

Ok so I've been monitoring my credit for 60 days now. On XX/XX/XXXX I had XXXX XXXX collections account on my credit. XXXX XXXX XXXX AND XXXX XXXX XXXX MY CREDIT SCORE WAS A XXXX. IVE BEEN DISPUTING THESE ACCOUNTS FOR THE LAST 60 DAYS. FINALLY BOTH ITEMS WERE REMOVED ON XXXX XXXX. MY CREDIT SCORE WENT TO XXXX. THAT IS WHERE MY CREDIT SCORE IS NORMALLY AT. XX/XX/2022 EXPERIAN PUT XXXX XXXX XXXX XXXX BACK ON MY CREDIT REPORT. ONCE THE REMOVE THE ACCOUNT OFF OF YOUR CREDIT THEY CAN NOT LEGALLY PUT THAT ACCOUNT BACK ON YOUR CREDIT REPORT BY THE SAME CREDITOR. WHAT KIND OF GAMES IS THIS CREDIT REPORTING AGENCY DOING TO ME AND MY CREDIT. I PAY ALL MY BILLS ON TIME. I AM READY TO GET AN ATTORNEY AND SUE THIS AGENCY. I AM PROVIDING PROOF FROM MY ONLINE ACCOUNT TO SHOW YOU.
Consumer complaint received 2021-10-19
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management has placed a collection on my XXXX & XXXX that I have no knowledge of. I have not recieved any validation or correspondence from Midland Credit Management.
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (FL)

On XX/XX/XXXX I was contacted by XXXX XXXX who contacted my daughter to reach me. She stated I could settle 3 debts of XXXX XXXX and XXXX for XXXX. XXXX called today XX/XX/2021 and stated I only resolved one bill. This company use deceptive business Practices to obtain money. I spoke with XXXX XXXX who said I cant help you I dont have your file.
Consumer complaint received 2023-01-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I originally sent XXXX disputes to Equfax about my Identity being stolen during Equifax 's Breach. Nothing has been done on this matter. The account is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Enclosed are my documents from me filing my Compensation from Equifax and also screenshots from the account and other documents. Thanks for your help.
Consumer complaint received 2021-01-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MA)

Dear WELLS FARGO AUTO ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IL)

This complaint is toward US Bank I have a mortgage with US Bank ( since XX/XX/XXXX ) with both me and my husband 's name is on the mortgage. My email is used for all back correspondence for this mortgage. In XX/XX/XXXX, I received an email from US Bank stating " 1. A minimum deposit of {$25.00} is required to open a U.S. Bank consumer checking account. To earn your {$300.00} or {$500.00} bonus, open a new U.S. Bank consumer checking account ( excluding Student Checking and Safe Debit Account ) by XX/XX/XXXX. Additionally, you must complete recurring direct deposits of XXXX or more that total : $ XXXX {$4900.00} to earn {$300.00} ; {$5000.00} or more to earn {$500.00} and enroll in online banking or the U.S. Bank Mobile App within 60 days of opening your account. A direct deposit is an electronic deposit of your paycheck or government benefits ( such as Social Security ) from your employer or the government. Other electronic deposits or person to person payments are not considered a direct deposit. The checking account bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App, as long as your account is open and has a positive balance '' I then called US Bank and asked the woman of qualified and she says yes and opens the account for me. I set up direct deposit immediately and use the mobile app. 

I did everything I was told and never received the {$300.00}. I called the bank about 4 times and spoke to different people and no one could tell me why I didn't receive the money. The just kept saying the would have the rewards department call me. 

Eventually, months later, now XX/XX/XXXX, I finally speak to supervisor and was told that my reward was denied because my name was not on the email but only my husband 's name was. I told her that no one told me this and that this isn't fair because I opened the account for this reason and I believe I was not clearly informed of what was needed. 

I want to file a claim for {$300.00} to be received due to my doing all the steps correctly and in the timeframes required and being given misleading information about if my name was on the email or not. And for the rewards employees writing notes on my account stating the contacted me via email or call because they never did.