davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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: Self Financial Inc. (CA)

As a party to the CONTRACT, I've requested the FULL ORIGINAL CONTRACT baring all parties signatures. I was never given the full contract. I've also requested the Account ledger/ XXXX XXXX XXXX Account in order to inspect the Accounts Receivable and Accounts Payable. I've also requested proof of Truth and Lending, and proof that GAAP ( Generally Accepted Accounting Principles ) was adhered to during the loan transaction. I never received ANY of what was requested.
Consumer complaint received 2022-06-24
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the three ( 3 ) bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness, accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. I am including these fraudulent items in my report. Addresses:XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX, US DEPT ED XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I have filed a dispute with the credit bureaus about the company for reporting incorrect information. They are reporting I have two accounts with the same account number with different balances to the credit bureaus. Besides double reporting and trying to collect on the same account. It has also passed the statue of limitations. The account was open on XX/XX/XXXX. The first payment was due in XX/XX/XXXX. No payment was made which makes the first date of delinquency XX/XX/XXXX and it should have been removed from my credit report in XX/XX/XXXX. They also reported no information until XXXX to the credit bureaus, which too is inaccurate. Reporting should have began when the account was open and included the actual first date of delinquency- XX/XX/XXXX.
Consumer complaint received 2023-03-14
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)

TransUnion keeps reporting that I have a balance with XXXX XXXX. I have paid XXXX XXXX XXXX off. Last week I opened a dispute. yesterday my score went up to XXXX, today it fell back down to XXXX. Everyday Transunion keeps reporting different amounts for this company. It also appears they are disorganized and multiple people are tampering with my account. XXXX XXXX phone # is XXXX. They can verify I am paid in full with a credit on my acct. Transunion is always reporting everyday which the other 2 reporting agencies does not do this. It is only every 30 days, I am very irritated with TransUnion.
Consumer complaint received 2023-03-14
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$18000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$5800.00} XX/XX/XXXX
Consumer complaint received 2023-03-14
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have received loan documents from the company in question. The documents do not contain my legal name or an address to my residence. Documents do list an IP address which I can not search. I have asked this be removed from my credit report. Company has asked me to dispute on FTC. FTC sends me here. This will therefore meet the requirements of the FTC fraud report as the links were followed.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. 
The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 
Thank you,
Consumer complaint received 2020-05-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Working on the behalf of XXXX XXXX XXXX, we went to the West Virginia DMV, filled out paperwork to have the registration changed from Virginia to West Virginia. They faxed the completed form to Captial one to the correct department several times without any response. I found out later that it was being sent to the correct department at Capital one, but they just failed to complete the request. Since that time, I have been in contact with their Executive Office of the President and as of XX/XX/XXXX, they have not completed the request. This process started in XXXX of XXXX. They appear to have processes that do not work and they are not willing to fix them. They also are holding up the registration so the car is idle and XXXX is paying the payments on the car and also full coverage on the car for one that is stationary. This is, in my opinion a very unprofessional way for XXXX XXXX to handle this account and cause these issues for a XXXX American Citizen. This aided in my wife 's car accumulating over XXXX miles since XX/XX/XXXX, but that is another story, which is a XXXX XXXX XXXX in her car that XXXX need to be replaced again after XXXX miles. With the XXXX XXXX XXXX, there have been things that came to light of bad business, this is one of them. XXXX, XXXX XXXX
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credova Holdings Inc (TX)

I am writing to file a complaint against XXXX XXXX XXXX XXXX, located at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, for posting a late payment to my credit report when the debt is no longer owed due to their multiple violations of federal laws, including the FCRA and the Debt Collection Act of Texas. 

XXXX XXXX XXXX XXXX transferred my loan multiple times without my agreement and without providing me with a new contract to sign. They did not provide me with all the necessary documentation regarding the transfer of the loan, including who the new servicer was, if the payments were going to remain the same, and the new balance I would owe. As a result of their actions, they owe me {$30000.00}. 

Furthermore, their actions have caused me significant harm, including reduced credit and financial damages. I demand that they close out this loan because their violations are now more than what the loan is worth. 

XXXX XXXX XXXX XXXX has violated multiple state and federal laws, including : The Fair Credit Reporting Act ( FCRA ) The Debt Collection Act of Texas The Texas Deceptive Trade Practices Act The Truth in Lending Act The Fair Debt Collection Practices Act The Electronic Funds Transfer Act The Uniform Commercial Code XXXX XXXX XXXX XXXX 's multiple violations of these laws have caused me significant harm, and I demand that they be held accountable for their actions.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

A fraudulent credit card was opened in my name with Comenity Bank/My Place rewards in around XX/XX/2022 with a balance of {$2300.00}. 

I learned and made a complaint in XX/XX/2022. I contacted the bank to start an initial dispute and to have the account closed. The bank responded saying the account stands with no further information of the investigation they conducted. 

The account is still fraudulent and negatively impacts my credit score.
Consumer complaint received 2023-03-14
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. (TX)

I have tried to reach out to the creditor, XXXX XXXX, and could not obtain an address nor phone number. I researched the companies name and according to the XXXX the company is nonexistent and/or closed. I then tried to reach out to Transunion to validate, verify and remove this collection. I have not received a response and it has been over 30 days. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of the mailed letter. This is considered a violation.
Consumer complaint received 2023-03-14
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. (AR)

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not issued any written consent or instructions for this to be listed on my consumer report. FURTHERMORE, THERE IS NOT AN ACCOUNT NUMBER REFERENCED ON THIS ENTRY ON MY CREDIT PROFILE AND IS IN NO WAY VERIFIED TO BELONG TO ME.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (OH)

As part of the XXXX XXXX XXXX XXXX Credit Card program, if you spend {$1200.00} in a calendar year, you are eligible for Platinum rewards in a tiered based reward system. I spent ( consciously ) to the {$1200.00} threshold within the calendar year, but was not rewarded with Platinum status. 

I called the customer service department in XXXX after receiving my XXXX statement which did not reflect the Platinum status I earned. The customer service rep said she would open a case and get back to me. I have not heard back, and as of XX/XX/XXXX my rewards status has not been updated. 

I have statements which prove I met the spend threshold in XXXX, and I would like to be upgraded as required per advertising. Otherwise, this is a XXXX violation.
Consumer complaint received 2023-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (AL)

My name is XXXX XXXX I have a mortgage with M & T Bank. I recently had problems with the property tax where the house was built on 3, 25ft lots and the 3rd lot wasn't properly merged by the city with lots 1 & 2. Lot 3 was sold for tax proceeds without my knowledge. M & T provided a lawyer since they also had interest in maintaining the property, to assist with resolving the problem. The tax bill was XXXX ( including interest and additional fees ). I recently found out I am being charged XXXX for and attorney 's fee and my mortgage has changed from {$400.00} monthly to {$1700.00}. M & T is also charging me {>= $1,000,000} in addition to the above amounts as a recoverable corporate advance. I have talked to them asking them to provide a fair bill but this is excessive and well beyond the amount of the taxes or attorneys fees. Please help me. I am a XXXX XXXX XXXX widow on a fixed income and I think they are trying to take my home with excessive fees beyond my income. I have not missed a mortgage payment, I have always paid my taxes until I became exempt I can not loose my home.
Consumer complaint received 2023-03-14
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 (CA)

I am a Sam 's Club member. I had always use my XXXX XXXX credit card to make payments. I was asked if I wanted to open a Sam 's Club credit card. I was told I would get more benefits. I asked, if there was a monthly card fee ~ I was told " no ''. So, I said, I would apply. I received the card and I have never used it. This card is with Synchrony Bank. I received a statement from Synchrony Bank ~ stating, a balance of {$53.00} and a minimum payment due was {$29.00}. The {$53.00} is the renewal fee for my Sam 's Club membership. *** HERE 'S THE PROBLEM *** I did not authorize this payment!! I state now and for the record this is a fraudulent charge. I bring this to your attention because, IT IS SYNCHRONY BANK WHO CREATED THESE CHARGES. 

If you need any more information from me, I will be more than willing to comply.
Consumer complaint received 2023-03-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that were recently found on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). These items are as follows : XXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry, and I am concerned that it may be fraudulent. As such, I am requesting that it be removed from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX Similarly, I do not remember authorizing this inquiry, and I am worried that it may be fraudulent. Therefore, I am requesting that it be removed from my credit report immediately. 

XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I do not recall authorizing this inquiry either, and I am concerned that it may be fraudulent. I am requesting that it be removed from my credit report immediately. 

XXXXXXXX XXXX Account Number : XXXX I am questioning the validity of this account 's name and number. I request that you either clarify this information for me or delete the account immediately from my credit report. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or outdated. I believe that these negative items are impacting my credit score unfairly, and I hope that you will take the appropriate action to remove them as soon as possible. 

I kindly request that you investigate these items and remove them from my credit report if they are found to be inaccurate or fraudulent. I also request that you provide me with a written explanation of the results of your investigation, as required by FCRA Section 611 ( b ) ( 2 ).

Thank you for your prompt attention to this matter. Please contact me if you require any further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (PA)

XXXX XXXX XXXX XXXX billing office has stated Any balances were paid >Talked to them numerous times and same conclusion with where I attatched to XXXX disoute such findings where they did nothing but Rubber stampes DENIED with no showing of any work they did to resolve what I Believe is deliberate fraud and extortion by collection agency in Question.
Consumer complaint received 2023-03-14
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: Global Lending Services LLC (CA)

In accordance with the fair credit reporting act XXXX  Account 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 a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-14
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: SYNCHRONY FINANCIAL (NJ)

In XXXX of XXXX I was getting a free online credit check from XXXX XXXX. This was a free service given to me by XXXX XXXX. When i received the check it stated that I had a Synchrony/Amazon Credit card with an outstanding balance of XXXX. I contacted Synchrony Bank/Amazon and through several phone calls they told me that the account was opened via email in XXXX of XXXX. I told them I had no memory of doing so, and afterwards was positive I didn't open the account. They stated that the account was opened XXXX eve... I then checked my email and realized that my email received notifications that an account was open and that at several times in XXXX there were tardy payments and that payments were made to this card. The card was not used ( I believe until XXXX and XXXX of XXXX. The credit card utilized an email ( Yahoo.com ) that was used infrequently, and received many bogus spam notifications. My main email is a gmail.com account. I learned when I contacted Synchrony to tell them of the fraudulent card they used my cellphone number and address to start sending me late notice notifications and harassing phone calls. I have three Bank accounts with credit notifications and since I notified Synchrony bank they have had all the banks drop my credit ratings. 
Up to this time I didn't know it was possible to open an account via email. I have an Amazon/XXXX  account in which I have had for several years. It is apparent whomever opened up the Synchrony/Amazon account opened up a different account with this credit card. 
I also opened up a Police Investigation with my local police department. It has been understandably slow with them, I feel this is not a priority with them. 
Several attempts have been made by myself to request where the items were sent to, how Synchrony bank received the payments but they are refusing to release that information. 
I also opened a XXXX Investigation and they advised Synchrony bank was to vacate the erroneous information but they haven't.
Consumer complaint received 2020-05-29
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 trade my vehicle for a XXXX, since I have an old car and its soon going to break down. i was at the dealership and they denied giving me an auto loan. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a sit pulled a copy and now I am even more upset that someone has been using my name to open up accounts and that should have never been open. These accounts are not mine. I need them removed as soon as possible from my name. XXXX XXXX {$1000.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX {$850.00} DEPTEDXXXX  XXXX {$10000.00}
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My credit was impacted negatively from Capital One reporting to all 3 credit bureaus that I was 60-89 days late as my worst payment status from XX/XX/XXXX through XX/XX/XXXX for both of my credit cards. I communicated to Capital one that that I was impacted negatively financially due to Covid-19. Both credit cards are now current and the platinum card is paid off in full. I would like to request that capital one removes the negative late payment history reported from my credit reports with all 3 credit bureaus. Thank you!