davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MN)

On XX/XX/XXXX I disputed a charge on my account dated XX/XX/XXXX and to this date I have not received a provisional credit or has the matter been resolved within two billing cycles as required by Federal Law. The merchandise was a coin that I ordered online but never received. I attempted to resolve the matter with the merchant but the merchant did not comply. I then timely filed my dispute with Synchrony bank. The bank has utterly failed to follow federal law regarding my dispute. On XXXX I called the bank and spoke to XXXX. She said the dispute was closed but would reopen it. On XXXX I called again and spoke to XXXX XXXX operator XXXX ) and was told the dispute was closed but would reopen it. On XXXX I finally received a letter stating the bank was reviewing my complaint. Note : Per Federal law the dispute should have been resolved by this date. I had disputed the charge on XX/XX/XXXX. On XXXX I received another letter from the bank stating a provisional credit of {$3400.00} was issued to my card. NO CREDIT WAS RECEIVED. On XXXX I called the bank and spoke to XXXX ( operator id XXXX ). I was promised a conditional credit. Again no credit has been received to this date. The bank has violated every Fair Credit Billing Act law in existence.
Consumer complaint received 2022-07-11
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. (NJ)

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note that I am the only natural person writing this statement with the help of NO 3rd party. I never gave these company any written consent to report anything on my consumer report. Please see attached documentation.
Consumer complaint received 2020-11-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Autovest, L.L.C. (CO)

In XXXX I was served for collection on a repossession. The debt was charged-off and sold to Autovest, LLC. I went to court, and worked out a payment arrangement with the creditor 's attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), so a judgement wasn't granted or entered in the court. I was paying on the payment plan for several months until I defaulted in XX/XX/XXXX. 

The creditor 's attorney sent me a letter, appearing as if it was responding to a judgement. The letter is on the county court format, and states " Notice to Judgement Debtor Pursuant To Section 24-33.5-704.3, C.R.S. '' The form is dated XX/XX/XXXX, but it states " This form is applicable until XX/XX/XXXX, unless extended by the Administrator to a date not later than XXXX, XXXX, XXXX '' I feel like the creditor is trying to intimidate me, or scare me into thinking that a judgment has been issued, but I contacted the county court and they have no record of the case number. Additionally, I did a statewide public record search, and checked my credit reports, and there aren't any judgements in my name.
Consumer complaint received 2020-11-17
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$1900.00}, {$2900.00}, {$2000.00}, {$0.00}. 
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 finance 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 to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

The credit card company is XXXX and it was started in XX/XX/2017 and charged off XX/XX/2017. When i checked my credit report i noticed it was there. I never applied for this card and the social security number is wrong but it is showing up on my credit report.
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge 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 (FL)

I feel what has happened is when they put it into their computer they used the same reference number each one for {$5000.00} not seeing their mistake they billed me twice they billed me on XX/XX/2022 and then again on XX/XX/2022 by using the same reference number and dates to come up with this {$10000.00}
Consumer complaint received 2022-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Controlled Credit Corporation (OH)

i saw a doctor last XX/XX/2021 this vist was for a " well check '' this is bill for {$16.00} cents i have no idea what this id for a while back i received 2 others bills for around {$50.00} which i paid. 
this is unbeliveable that a year later i get another bill, and worse comes from a collection agency ... ... ... ... ... ... ... ... .....
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

Loan : XXXX My home primary residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Mortgage with : Shellpoint Mortgage After forbearance ended. As per the law in effect in New York I requested a deferment and to resume paying the monthly payments of {$9700.00} which is the same amount that I was paying before the forbearance. 

Shellpoint mortgage on Tuesday XX/XX/2022, XXXX XXXX XXXX ( the officer in charge of my account at Shellpoint ) called me and informed me that the deferment of the 18th months was approved and the modification that was offered will be canceled and replaced with the 18-month deferment. She asked me to pay the XXXX monthly due of {$9700.00} I accepted the offer and agreed to make that payment on Friday the XX/XX/2022. 
On Wednesday XX/XX/XXXX, Thursday XX/XX/XXXX and Friday XX/XX/XXXX I called many times to make that payment and left XXXX XXXX voicemails as I could not reach her. I also left her a note with her colleague, in that regard to make that XX/XX/2022 payment of {$9700.00} Now when I try to make that payment Shellpoint renegued on the deferment and would only allow me modification with an increase of {$820.00} each month until the end of the loan. an increased amount that I can not afford which will eventually cause me a foreclosure and the loss of my home. 

Please I beg you to interfere and correct this injustice Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (FL)

I purchased a vanilla gift card on XX/XX/2022 and it was for {$100.00}. I checked online to see my balance and it was {$100.00}. XXXX minutes later I check my balance because it says it may take XXXX minutes for the car to activate and my balance is XXXX dollars. This is ridiculous. I did not use the card at all and I dont know who or what the company was that the person bought from
Consumer complaint received 2022-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (MI)

I have new and updated information. 

NORDSTROM invited me to write them when they have inaccurate information about me or what they've reported to a CRA, so I did. NORDSTROM acting as a creditor AND a debt collector at the same time isn't legal, not to mention unethical and they should know that. After reintroducing myself, I let them know our relationship didn't include them acting as a debt collector. I reminded them that I extended my open-end credit as the original creditor through a credit application, and they are the secondary creditor. The way they re-extend credit back to me is through my originating the transaction with my credit card ( Social Security Card ) to open and fully pay the account. 

My consumer reports show the receipt for the transaction on XX/XX/2022, verifying that NORDSTROM used my credit card ( Social Security Card ) to get a loan from the Federal Reserve using my identifying information and application - although they are not me and did this without my knowledge or consent - and is actively threatening me to make payments to them that I do not owe. NORDSTROM has taken MY money but has no right to do so. NORDSTROM has already been paid in full and I do not owe any alleged debt. Therefore, I have not validated any alleged debt and refuse to pay it. 

I want our credit relationship to be on the right track and told NORDSTROM what it takes for that to happen : stop communicating with me as a debt collector ; keep the account open, active and in good standing ; only report the account as paid in full and on time to the CRAs ; XXXX the balance out monthly because this is an open-end credit card that has already been paid in full when they used my credit card ( social security card ) and the card includes a finance charge which is the sum of ALL charges ; return all my monies that were illegally collected because of the false and misleading forms that were sent. 

NORDSTROM retaliated against me for my dispute and CLOSED my account. They did this behind my back AGAIN. No notice was given to me. Now they are sending the inaccurate information to CRAs and ruining my reputation. NORDSTROM has taken advantage of me and continues to violate my rights as a consumer and natural person. Whatever the internal policies of NORDSTROM, they can not and do not usurp the Truth In Lending Act, which came to be to prevent fraudulent activities. 

I want all my money back because I paid cash on this account for the time it has been active, which is illegal as the account is an open-end consumer credit plan and has a finance charge, which shall only be paid with credit. I want my account reopened with clean credit history as paid on time and in full on a monthly basis to all CRAs.
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

After my bank sent my mortgage to a new servicing company in XX/XX/2021, my escrow account was short money. I complained and they said they found an error. They also raised my payment for escrow when it should have went down due to a reassessment on my property taxes. I provided them this information and they still raised my payment. My escrow account is not managed properly and I believe they are stealing money. I have asked for a statement with all monies paid into the escrow account and all monies paid out of the account to no avail. It has been weeks now. 
I want to know where my money is.I have ALL statements and receipts for all monies paid into, and out of, the account.
Consumer complaint received 2020-11-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

XXXX is refusing to remove fraudulently opened account by edge auto who is no longer a business. I was able to get the account removed by transunion who did a investigation but the other bureaus are saying that sanatander is validatthe account. The account was fraudulently opened because the sales man XXXX at XXXX XXXX which is no longer a company went out of business due to fraudulent activity lied and said I was trading in my old car when I never traded it in. XXXX took a XXXX of my old car title and submitted it to XXXX without actually taking my car. I was submitted into a loan that I never agreed to and the state of Michigan sued XXXX per attorney general XXXX XXXX they are suppose to forgive my loan amount. The entire account is suppose to be deleted off all my credit reports. I have reached out to XXXX numerous times they place me on hold and hang up. This is my 2nd complaint
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I just contacted Capital One Auto Finance and spoke with representative XXXX ID # XXXX and was then transferred to XXXX # ID RNI regarding inaccurate information being furnished to my credit report. Capital One Auto Finance reported a 30 day late payment for the month of XX/XX/2022 which is incorrect, and also a violation of my federally protected consumer rights. The violations under this consumer credit transaction are clearly present, the LAW states transactions between the consumer, ME ( XXXX XXXX ), and the person, YOU ( Capital One Auto Finance ) making the report is not included on my consumer report. A late payment is transactional history, my HISTORY with your company. Congress clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT included on my consumer reports. I also asked XXXX if he knew what the definition of finance charge was and he stated he could not give me legal advise. I am unsure how that question constituted as giving legal advise. I explained to XXXX that the definition of finance charge is the SUM of all charges, so how could I be late if the finance charge is the SUM of all charges? This would constitute as a billing error. I am aware and well informed of my consumer rights, and I understand that the accounts receivable are due to investors and that I gave securities during this transaction and the interest and proceeds which have accrued on the account should of paid for the transaction otherwise there has been no valuable consideration given. I am aware that my SSN belongs to the Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 USC 8.
Consumer complaint received 2022-07-11
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: Io, Inc. (PA)

In accordance with the Fair Credit Reporting act Receivables management systems 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 2022-07-11
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-24
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: EQUIFAX, INC. (GA)

Equifax is in Violation United States Federal Code Law Under 15 U.S. Code 1681i ( 5 ) -Treatment of inaccurate or unverifiable information and 15 U.S. Code 1681e ( b ) - Accuracy of report To Equifax information services LLC Recently, I conducted an investigation of my consumer report which caused great depression and stress on me mentally and physically when I found inaccurate, unauthorized, unverifiable and questionable items that your agency failed to make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) - Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( 5 ) -Treatment of inaccurate or unverifiable information, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days of your investigation, you must remove the accounts and or the information. I have also provided attached documents as supporting proof of these inaccurate, unauthorized, unverifiable, and questionable items on my consumer report. 
As a consumer federally protected under the Fair Credit Reporting Act ( FCRA ) by law these of these inaccurate, unauthorized, unverifiable, and questionable items on my consumer report must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX  XXXX XXXX, and Federal Trade Commission. Also Equifax told me they verified the accounts which is impossible because i never gave them permission to do so. I also give Equifax permission to respond to this complaint.
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent multiple requests to get an update on my credit report from TransUnion, XXXX and XXXX and have yet received a response.
Consumer complaint received 2022-07-11
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. (NJ)

In accordance with the Fair credit reporting ACT. The list of accounts on my credit report has violated my federal protected consumer rights to privacy and confidentiality under 15 u.s.c 1681. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A section2 : It also states a consumer reporting agency can not furnish an 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 then seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows are has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2022-07-11
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose