davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NY)

My mom recently found out that there was a debt that was owed to XXXX in the amount of {$280.00} which was due to Identity Theft. This information was found out after a credit check was done through XXXX XXXX  XXXX XXXX in XXXX, Michigan. My XXXX mother had been on the waiting list for 2 years. Now, due to identity theft, Jefferson Capital system is holding her up from getting into the apartment that she has been waiting on. Jefferson Capital system was called and told that we contact the Federal  Trade Commission to file an identity theft report. Because the amount that was due on the XXXX was not my mom 's. My mom was not in Michigan during the time that these changes were made. Jefferson Capital systems were asked to send a letter to XXXX XXXX XXXX, stating that they are aware that the charges that were made to XXXX were due to Identity and that the charges will be deleted. Per XXXX at Jefferson Capital system states that the XXXX charges would be deleted from all three credit bureaus week. Unfortunately, Jefferson Capital system refused to send a letter, which is causing my mom to go back on the waiting list until something else is available. Which could be a long holdup for my mother.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX  assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : 12 ACCOUNT SOLUTIONS FOR ACCOUNT ) Account number : XXXX Balance : {$2600.00}
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I have a loan with SYNCB/CARE CREDIT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and SYNCB/CARE CREDIT with no successful resolution. XXXX, XXXX, and XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2019, XX/XX/2019 )
Consumer complaint received 2020-08-28
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: DISCOVER BANK (CO)

I lost my credit card and there was a purchase made that I did not authorize. the purchase was made on XX/XX/XXXX. 

Th purchase was made at a jewelry store in XXXX Massachusetts : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX eastern time. 

The purchase was for a large amount of money and I received a credit monitoring notification a few hours later that my available credit had decreased by a larger amount of money. I called Discover to dispute the purchase and the first person went over all the details with me. The first representative I spoke to was very helpful, she was able to remove the charge and told me that I did not have to file a police report because of the distance from where I live to where the purchase was made. 

After a few months Discover reattached the charge to my account without explanation. I disputed it many times and the only response I get is that I am responsible for the charge and that the vendor had seen my ID and had sent Discover proof. 

I have requested the proof from Discover showing that my ID was used at the point of sale. I know that this is impossible because I have been in possession of my card the entire time. 

I have also submitted proof to discover showing my location around the time that the purchase was made and I also gave them a XXXX maps screenshot that shows the approximate time it would take for me to drive to that store from my house. 

I have disputed this many times and Discover still has not given me a valid reason as to why they believe that I am responsible for the charge. I have shown them irrefutably that it is impossible for me to have been at the store to provide my ID at the point of sale. Either the vendor is lying about having seen my ID or Discover simply does not care to protect me as a consumer.
Consumer complaint received 2019-05-22
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. (TN)

Equifax and XXXX are reporting incorrectly that I am XXXX days past due on the XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2020-08-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: KEYCORP (CO)

Keybank paid off car loan with home line of credit and received title but was not collateral on the loan. Keybank received title and we have requested more than 4 times for the title and payoff confirmation. They keep stating they mail it and have confirmed address information but it is never received. The vehicle was traded in and the dealership is threatening to buy back the car and charge for use and mileage. 

Keybank is will not allow any further options to collect the title and paid in full information except by mail.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-11
Product: Credit reporting 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. (NY)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2020-08-28
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: CITIBANK, N.A. (NY)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IA)

Citi Bank Sears Shop Your Way Card has charged me late fees three times this year ( XXXX, XXXX and now XXXX ) with no late payments. Two of the three late fees were refunded, I have demanded a refund on the latest late fees as well. Three times for such errors is unacceptable and obviously could greatly increase their revenue while affecting their credit holders who potentially don't even know this is happening.
Consumer complaint received 2020-08-27
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: DISCOVER BANK (VA)

Attention! Don't open a credit card from XXXX. You are not protected from fraudulent transactions like Visa or MasterCard. Put Discover card in your safe and do not take it out of the house! 
This terrible company told me that I was using my lost card for {$280.00}. I only see the online status of the dispute, they did not send me any documents. I was informed by them that the company probably has your first and last name, which coincides with the account. Are you seriously? My name and surname on the credit card? Beware of it and open credit cards with well-known international payment systems.
Consumer complaint received 2020-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (MI)

On XX/XX/20 I called to see why on my credit report it was showing a balance instead of saying that the debt was settled and was transferred and hung up on several times before reaching anyone. Once i reached a representative, he was very rude and told me to pay the balance and that this was going to remain on my credit forever. I asked him why when my account was settled by another representative. I am blaming the Bureaus because they hired these shady people to take payments for them and lie and say that everything would be settled and deleted from my credit report as soon as i settle but lied to me because it is still on my credit report. I would like this to be deleted just was I was told and want information that it will be because i went even far as leaving compliant and was never contacted back.
Consumer complaint received 2020-08-28
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed THESE INQUIRIES DO NOT BELONG TO ME The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (PA)

Found a hard inquiry on my credit report. Called the Barclays Delaware Bank who did the hard inquiry on XX/XX/XXXX and XXXX XXXX to try and dispute the inquiry. Received no response. Wrote a letter of dispute to Barclays on XX/XX/XXXX and received the response on XX/XX/XXXX stating the the inquiry was accurate. I have never applied for a credit card through this company and they are saying I did. When I contacted Barclays on  XX/XX/XXXX they said they don't have any records of me ever applying for a credit card. And if I did, the system deletes it after 90 days. The inquiry happened in XXXX. I contacted XXXX  the same day and they said I needed to call Barclays and request a letter of deletion to get the inquiry taken off my account. Once I asked for the letter, I was put on hold for several minutes then was disconnected. I called back and asked to speak to a supervisor and they made the statement that I can't let you speak to a supervisor because I don't have an account with the Barclays. I have reported them on XX/XX/XXXX to the XXXX  and now I'm reporting them to you. I need someone to give me the answers I seek and help me dispute this inquiry.
Consumer complaint received 2020-08-28
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: PNC Bank N.A. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2022-09-20
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 (CA)

In XXXX of 2021, I purchased a tent and used my Paypal credit card to purchase. I never received the product and called Synchrony Bank/Paypal credit XXXX I have made numerous phone calls to Paypal credit trying to resolve this issue. They state that the retailer sent the product. I asked multiple times for Paypal credit to send me the tracking number, and that I would call XXXX XXXX myself to find out where the product is. After multiple attempts, faxes to the company that went nowhere, and numerous phone calls, I have no resolution. They are sending me statements and adding on ridiculous fees. I had asked them to send me directly to collections, since I have no intention of paying for an item I never received, and they won't do that. Instread they keep adding on fees for not paying the bill. Never received the product in the first place, and Synchrony was no help.
Consumer complaint received 2020-08-28
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: Lending Club Corp (VA)

I have a loan with LENDING CLUB, XXXX/XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LENDING CLUB, XXXX/XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Reported : XXXX XXXX, XXXX + {$5800.00} Closed XXXX/XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$3100.00} Closed XXXX XXXX DOB XX/XX/XXXX SS XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2020-08-28
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: Conn's, Inc. (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
Consumer complaint received 2024-11-25
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2024 I went in to one of the Wells Fargo 's branches to open two accounts. I opened the checking account without any issues and when time came to opening savings account, I presented a bonus promo code for {$520.00}. The banker told me that he could open a Platinum Savings account for me and additionally apply the high-interest rate promotion. He successfully applied the two promo codes ( from what he told me ). I complied with the necessary requirements for the signup bonus ( {$520.00} ), but it was never paid to me. I went into the same branch and they told me that the banker is not employed with the company anymore and that they see only one promo code for the high-interest was applied. I additionally called Wells Fargo and they told me the same thing. I feel fooled and that facts are getting misrepresented.
Consumer complaint received 2020-08-28
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: DISCOVER BANK (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (WA)

I have sent certified letters in XXXX and XX/XX/2022. I have spent over {$100.00} on on notarized letters and certified mail to be signed for. I got one letter couldnt verify my identity. All the required documents have been included. I am so angry that Experian can furnish a report but cant identify you. You dispute inaccuracies and they deny it. Cant back up their investigation or validate any evidence with their conclusion. That is aggravated identity theft. Its against the law.