davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

On XX/XX/2018, my account at Synchrony Bank was taken over by someone calling Synchrony Bank Customer Service by telephone. Because the telephone number the person called from did not match the number of record, the person was challenged to give my mother 's maiden name for identification. After the person gave the correct response, Synchrony Bank Customer Service allowed the person to change my mailing address and my mother 's maiden name. The person then proceeded to charge {$8600.00} in fraudulent charges at a California music store. 

On XX/XX/2018, I received a fraud alert from Synchrony Bank. When I called the Synchrony Bank Fraud Department, my identity could not be verified because I was told my mother 's maiden name was incorrect. As a result, it took several days for Synchrony to recognize me as the victim of fraud and take action.

Ultimately all issues regarding the account takeover and fraudulent charges were resolved except one : the use of my mother 's maiden name for account security. I alerted Synchrony to the fact that it is relatively easy to find someone's mother 's maiden name in this age of online ancestral records and that the exact same thing can happen again as long as Synchrony solely uses mother 's maiden name for identication.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/22 Synchrony Bank sent a letter via email stating they were closing my Care Credit account although it was in good standing. Upon reviewing my credit report on XX/XX/22 Synchrony Bank performed an unauthorized hard inquiry with XXXX. There's no proof I initiated such inquiry, no written authorization, and they failed to provide any permissible purpose.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

( DISPUTE CODE - XXXX ) My personal information was stolen in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 09/18/2022-Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax EQUIFAX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

I made my payment online to Barclays on Saturday, XX/XX/2022 at XXXX. It was due on Sunday, XX/XX/XXXX. The payment went through on Monday, XX/XX/2022. I woke up on Tuesday, XX/XX/XXXX to my bank account being {$140.00} in the negative because Barclay 's hit my account again for the same payment without my approval or initiation at all. I called Barclays and could not get through. I then called my bank, XXXX Bank, who informed me that Barclays screwed up and did this to all of their customers and XXXX worked feverishly to resolve this and they put the money back into my account. Now today, XX/XX/2022 Barclay has called my home rudely waking me up to tell me that my payment was reversed??? THEY REVERSED IT!! The money was always there. Barclay 's screwed up, debited my account twice and appears to have then reversed the incorrect and proper payment. And now they want to hit me with late charges. This was completely Barclay 's fault as I have been with this company for at least 5 or 6 years and have never had a problem. And now while waiting for resolutions have been disconnected... This is a horrible mess up and presentation by Barclays and I, the consumer seem to have be the one to pay for this.
Consumer complaint received 2021-03-28
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: Absolute Home Mortgage Corporation (PA)

recently reviewed my credit report and noticed I have a inquiry from this company I did not authorize them to do so I have reached put numerous times to resolve. Unauthorized use of my information to obtain credit etc process done as well as police report
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2022-09-26
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # xxxxxxxxxxxx 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 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Employers : XXXX XXXX XXXX  XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Employers : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is reporting my HELOC loan incorrectly as if it were open and an active revolving credit account. It is actually closed and in the repayment phase. I have a letter from XXXX confirming that it is in fact closed and not active and in a repayment phase. XXXX and XXXX are both reporting this accurately but Experian continues to report it incorrectly as an open revolving credit line. 
It originally had a XXXX limit which was never used fully but when the 10 year term expired There was a total of XXXX spent. This is the figure that Ive been paying back as a 2nd mortgage, not the limit of an active revolving credit account which is what Experian is currently reporting. It completely throws off my credit utilization amount and needs to be reported correctly as a mortgage loan.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CO)

I had a loan with American Honda that went to a charge off status years ago. After it went to that status we paid it in full once we were able to but i recently noticed when i pulled my credit report that it still showed a balance of XXXX I notified the company and they show it as paid in full with no balance on their end and said they would notify the credit bureaus. I have disputed this with the credit bureaus but have not had success in getting the balance removed. Please help me as i need to have this shown accurately.
Consumer complaint received 2021-04-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (VA)

XX/XX/XXXX This call took place at around noon, XX/XX/XXXX I had noticed that there were some unusual activities on my credit report. I called Midland Funding to find out why I had 3 chargeoff that were not there before. After a few rings, I was greeted with hello my name is and I am debt collection agent. I had asked numerous times as to his full name without any luck. He kept interrupting me and saying I owed this much and I have to pay in full or payment. I was told to make payments of XXXX dollars a month until the debt was paid off. I ask if he could explain how it got on my name. he did not explain. All he said was its under my name. I either had pay or the collection will stay on for 7 years. He added that if I want the calls to me to stop I had to agree to pay. I said dont i have the right to ask about the collections and how it came about. He said, dont you know the law if you dont pay. You job and wages will be garnished. He ended the call by saying call us back when you have funds to pay.

All 3 collection companies below to one entity.

Midland Credit management Midland Funding Midland Funding
Consumer complaint received 2022-06-17
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)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights These accounts with Inquiries have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is not my current address which needs to be deleted from credit reports 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 an account without my written instructions
Consumer complaint received 2022-02-03
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. (CA)

This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (NV)

I applied for a Chase Freedom Credit Card on XX/XX/22. I waited 30 days for the response on my application. I checked the status of my application my times throughout the 30 days and always was told that it was still processing. I got in touch with a Chase representative during the second week on XXXX, which was about 45 days after my initial application was submitted. I was transferred to 3 three different people and all I wanted to know was the status of my application. I was told on that phone call I would get an email or letter in the mail with a decision with 2 weeks, so by the end of XXXX. I receive no letter of a decision. I called Chase twice on XX/XX/22 and spoke with a representative both times. I want some type of denial in the mail discussing why I was denied or if I was approved. Both representatives said that legally that information should be provided to me. I was transferred to the leading department both times, which was closed for the day. I was advised to reapply and did so on XX/XX/22. I was approved the next day, so Im assuming something went wrong with Chases system in my initial application. I even checked to make sure my address was correct on the Chase app and it was, so I shouldve received a letter. I called Chase again on XX/XX/22 and spoke with a representative. I was told my initial application was out of the system and could no longer be given a letter of decision on my application. I asked to speak to someone about getting the hard inquiry taken off my credit, but was told Chase didnt have the ability to do so. I asked to be transferred to the leading department, and the representative refused and persisted that nothing could be done to help me. Today is XX/XX/22 and I first applied for my Chase Freedom Credit Card on XX/XX/22. I still have received nothing on a decision from Chase.
Consumer complaint received 2021-02-20
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: Security Credit Services, LLC (NV)

On XX/XX/2017, Security Credit Services was reported and added a derogatory mark on my credit report per XXXX XXXX in the amount of {$2400.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, ( Security Credit Services ) has violated my rights as a consumer and I am requesting legal action to remove this account IMMEDIATELY.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have asked Experian several times to provide information on two separate accounts. Account # XXXX ... ... and Account # XXXX ... ... I asked that they supply information on how these accounts have been verified and have not gotten any responses from them.
Consumer complaint received 2021-04-09
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. (TX)

This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out Emergency room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX  employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance carrier, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.
Consumer complaint received 2022-09-26
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 (GA)

I purchased XXXX bedroom set from Room to Go on XX/XX/XXXX a total of {$3200.00}. This purchase was from the promotion, that was " no full payment, interest for 60 months. '' I paid deposit on XX/XX/XXXX and XX/XX/XXXX a total of {$500.00}. 

The furniture was delivered by XX/XX/XXXX. There was no other furniture and nothing absolutely purchased from Room to Go after this day of XX/XX/XXXX. AND I DO NOT HAVE ANY OTHER CARD FROM ROOM TO GO WITH SYNCHRONY BANK. 

I received my first bill on XX/XX/XXXX. I reviewed and found several errors, and had transaction of " WARRANTY PURCHASED ''. I have never purchased WARRANRTY OF ANY FURNITURE. 
I called immediately to the Synchrony Bank and asked them to make corrections. They told me " yes we will do and send you updated statement next month ''. XXXX month statement had no changes. It is since every month I am calling them and spending hours on the phone for correction. But they did not make any changes. 
The Synchrony Bank have been calling every day from different phone numbers, any time during the day and night, morning and sending emails of reminder of missed payment. 

FURHTER TO THIS MESS MADE BY SYNCHRONY BANK, THEY HAVE REPORTED FALLSFULLY TO THE CREDIT BUREUE AND REDUCED MY CREDIT RATING TO XXXX POINTS BRINGING DOWN TO XXXX POINTS. 
THE ACT OF THIS SYNCHORINY BANK IS ABUSIVE, FORCED CHARGES, IMPACTING MY CREDIT, MAKING HARRASING CALLS ANYTIME ON MY PHONE, MUST BE ACTIONED BY THE PROTECTION BUREAUE IMMEDIATELY. 

I AM ATTACHECHING WITH THIS COMPLAINT SOME DOCUMENTS. I HAVE THE STATMENTS FROM SYNCHRONY BANK AS WELL, MARKED WITH THE ERRORS THEY MADE.
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

_In 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 a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2020-09-18
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (GA)

The waytogo program suspended my card and Ive been trying to get in contact with them for 2 months still no answer I have no food I have to borrow money from other people. I stay in the call for 2 hours everyday waiting for answers. And nothing is fraudulent about my account everything is under my information this is ridiculous.
Consumer complaint received 2021-04-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BBVA FINANCIAL CORPORATION (OK)

I had a total loss on a vehicle in XX/XX/2021. Payment in full was made XX/XX/2021. Negative reporting noticed on my credit report on XX/XX/2021. Started making calls to inquire. Check never received by BBVA. Stop placement was done on check by insurance agency. A new check was issued. Check from XXXX was then found and cashed and obviously had been stopped after a 2 month time frame and report of never receiving by BBVA. They deny receiving new payment as to date. I have spoke with at least 10 people with BBVA to get this situation resolved. I do have names and a ticket number. I also, have 2 emails now to XXXX without any return communication. I requested to speak to someone to get a physical address. The insurance agency has agreed to send the check certified mail so that it may be tracked, considering the issue with getting payment to them. My biggest concern is the impact it is having on my credit score. I just sold my home and will need to purchase another and now have this delinquency that is not actually mine. I need help getting this payment processed and the negative reporting removed from my credit report. I am unable to get to anyone to help me after countless hours on the phone. ANY ASSISTANCE IS GREATLY APPRECIATED AS I'M GETTING NO WHERE TRYING CALL OR EMAIL.