davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-06
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX, my Barclays credit card was stolen from my car and was used in XXXX store for {$1300.00} without my authorization. Five attempts including emails and phone calls have been made with Barclays Bank since immediately after the crime regarding removing this charge. However the written response from the bank determined this charge to be valid without any reason given. 

I was shocked. With detailed police report ( XXXX XXXX Police Department # XXXX ) and other evidence present, how can this transaction be determined VALID? Has the signature been verified during the investigation? The bank does not response any more and does not remove the transaction. This is totally unacceptable.
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (VA)

Upon opening credit lines for my husband and I, we called the credit card issuer ( XXXX ) and set up automatic payments. For some reason, the bank only set up auto-pay for my husband 's account but not mine. Consequently, my bill was paid over 30-days late, when we finally noticed the balance had not changed. We called the bank to complain in XX/XX/XXXX and they said they would investigate. We were then NEVER contacted with the results of the investigation and were forced to call the supervisor multiple times to no avail, leaving voice mails each time. Finally today, XX/XX/XXXX, we were able to get this person on the phone, just to hear him say they would not call the credit bureaus to retract the mistaken report of a late payment because it is, in fact, accurate. It's true the payment was made late, but the question is WHY. This was their fault, not ours, so we feel the credit report strike is unwarranted. They could easily pull the call record to confirm we asked for auto-pay to be set-up on both accounts and verify this was their mistake, but they refuse to do so. We have impeccable credit, which we have worked hard to attain. We do not want this undeserved stain on our record.
Consumer complaint received 2020-06-30
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. (CA)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME AND THEY WERE INACCURATELY PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I DID NOT SIGN ANY CONTRACT TO CONNECT ME TO THOSE ACCOUNTS, I AM REQUESTING THAT YOU PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS AND IMMEDIATELY REMOVE THESE ACCOUNT OFF MY CREDIT FILE.
Consumer complaint received 2022-11-18
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. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; 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 MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

Hi, I am desperately looking for help. My car totalled XX/XX/2023. Prior, I made every car payment. My car insurance company promptly sent Kia Finance the payoff and I also have GAP to cover the rest. The customer service at Kia Finance continue to have no record of payment although I have letter of guarantee and receipt of amount paid, my car insurance also tracked the money and can tell me time and date XXXX delivered. For almost 2 months now I have had no car and can not buy new until this is resolved. On top of that, Kia Finance calls about wanting a car payment so, soon my credit will be affected. How is it legal for a company to hold XXXX XXXX and not post it to your account and ruin your credit at the same time. Please someone help me.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft as there is an item on my credit report that have resulted from fraud to which I never benefitted from. I have reported this to the federal trade commission but it is not removed from my report which is causing me stress and anxiety wondering how could this have happened, it is affecting my life negatively.
Consumer complaint received 2023-01-02
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-06-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I AM CURRENTLY IN FORECLOSURE WITH " SPS '' WHO IS A COLLECTION AGENCY AND PER THE FDCPA, " A COLLECTION AGENCY CAN ONLY COLLECT ON A DEBT AND CAN NOT SUE IN THE COURT OF LAW FOR A DEBT THEY DO NOT RIGHTFULLY OWN ''. BECAUSE OF THIS I FILED CHAPTER XXXX ON XX/XX/XXXX. SPS AND THEIR ATTORNEY KEPT TRYING TO SALE MY HOME WHILE UNDER BANKRUPTCY PROTECTIONS AMONGST OTHER FDCPA VIOLATIONS TO THE HOMEOWNER! 

MY COMPLAINT IS THAT SELECT PORTFOLIO SERVICING IS FRAUDLENTLY ACTING AS A " MORTGAGE SERVICER '' HOWEVER THEY ARE REGISTERED IN THE DEPT OF STATE OF UTAH AS A " COLLECTION AGENCY ''. A COLLECTION AGENCY CAN NOT SUE ME IN COURT BECAUSE THEY DO NOT OWN THE DEBT. I HAVE ASKED SPS TO PROVIDE VERIFICATION OF DEBT, TRANSFER OF DEED AND NOTE TO NEW LENDER, WITH ALL THE FILES THAT CAME ALONG WITH THE TRANSFER OF MY MORTGAGE ACCOUNT IN XXXX. THEY HAVE NEVER PROVIDED THIS INFORMATION TO ME OR THE COURTS AFTER A JUDGE HAD A COURT ORDER. " SPS '' IS THE SAME ENTITY AS " XXXX XXXX XXXX '' AS THEY JUST SIMPLY CHANGED THEIR BUSINESS NAME ON XX/XX/XXXX AFTER BEING SUED MANY OF TIMES INCLUDING THE ( FTC ) WHO SUED THEM FOR {$40.00} XXXX DOLLARS. THIS COMPANY CONTINUES TO TAKE ADVANTAGE OF ME AS MY LOAN WAS INVOLVED IN THE SUB-PRIME MORTGAGE FRAUD SCAM THAT WAS COMMITTED WITH XXXX XXXX XXXX, SWITCHING TO XXXX  XXXX XXXX AND THEN ALLEDGELY TO SELECT PORTFOLIO IN WHICH ALL THREE MISLEAD AND MISCOMMUNICATION MY LOAN DOCUMENTS WHICH WAS THEY THEY WERE SUED. I SAYING THAT I AM IN BANKRUPTCY COURT FIGHING TO KEEP MY HOME IN WHICH SPS AND XXXX XXXX XXXX XXXX XXXX ( WHO DOES NOT EXSIT BY THAT NAME IN THE DEPARTMENT OF STATE OF DELWARE OR CALIFORNIA OR UTAH ) WHICH MEANS THAT ARE " NOT LEGALLY A BUSINESS BY THE NAME IN NONE OF THOSE STATES '' BECAUSE THE " DBA '' IS NOT REGISTERED OR LISTED. I NEVER SIGNED A CONTRACT WITH XXXX XXXX. MY MORTGAGE IS A MERS LOAN AND IT WAS ASSIGNED A MER MIN #. MY LOAN MIN NO. XXXX IS CURRENTLY LISTED IS " INVALID '' IN THE MERS SYSTEM.
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I became a victim of an identity theft at one of the Authorized Lexus dealerships ( Lexus XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ). Unfortunately, neither claim to the Lexus Fraud Department, nor Police report I filed, helped me to resolve the situation. 
I found out that my former business partner forged my signature under the car lease agreement and put me as a co-signer for his car. Since we were in business together, he had the copies of my SSN and my driver 's license. 
He stopped making payments and in XX/XX/2019 I received a letter from Lexus, stating that I was financially responsible for such payments. I requested a Lease Agreement from Lexus and found my signature being forged. 
I was told by Lexus Fraud Department representative that due to the fact, that this deal was closed through some third party broker and the dealership had nothing to do with it, they couldn't further investigate this matter. The same they told to the police and the case was closed. 
I never agreed to be financially responsible for this car, I never provided Lexus with the originals of my documents, I never went to the dealership or met with a broker and I never signed this lease agreement.
Consumer complaint received 2023-03-22
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-18
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. (LA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (CO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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
Consumer complaint received 2020-06-30
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)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME AND THEY WERE INACCURATELY PLACED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THOSE ACCOUNTS AND I DID NOT SIGN ANY CONTRACT TO CONNECT ME TO THOSE ACCOUNTS, I AM REQUESTING THAT YOU PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS AND IMMEDIATELY REMOVE THESE ACCOUNT OFF MY CREDIT FILE.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-22
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: WELLS FARGO & COMPANY (WV)

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX of Wells Fargo Wells Fargo XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CFPB Director of Consumer Financial Protection Consumer Financial Protection Bureau 1700 G Street NW Washington DC 20552 CFPB case number : Dear XXXX XXXX, I am interested to see if the recent {$3.00} XXXX Wells Fargo fine by the CFPB may compel Wells Fargo to fulfill their statutory FCRA obligation to respond to my FCRA 609 ( e ) identity theft information request? 

This request was delivered by certified mail to the address specified by your employee well over the FCRA statutory 30 day response requirement. 

Please find attached my cover letter from the 609 ( e ) identity theft information request dated XX/XX/XXXX. This will provide details of previous correspondence as well as the details I am requesting that was previously ignored by your representatives. 

Specifically, I want to know if representatives at WFC maintained a profile on me for well over 15 years after I closed an account at WFC for the purpose of accessing my financial data using the XXXX database under the false identity of XXXX XXXX? 

I look forward to your response, XXXX
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

My account was close with out notification. I have been a customer with Lowes credit card or synchrony Bank credit card since XXXX. I have had good standing and made my balance payment on time. I had a credit limit of XXXX with them. I recently got a report from my credit dropping XXXX point due to my account being close. When I called on XX/XX/XXXX they inform me they ran my credit on XX/XX/XXXX with out my consent. They close my account and reopen it with out my permission. When they try to credit verify my credit had recently token a hit due to fraud in the last couple of months. I called to get more information and they stated they had to right to run my credit at any time. I look threw there terms and condition and found nothing stating they could and did that with out my permission. I use this card monthly and would have no reason for my account to be close. This is unfair and discriminatory practice and should be look into. After doing more research I found that XXXX XXXX had been caught doing the same. I have contacted them and even there customer support agree some unfair and shady practice was accruing. They where unable to open back my account and solve resolve the issue with the damage that was done to my credit.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without y written signature.
Consumer complaint received 2022-11-25
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: WELLS FARGO & COMPANY (TX)

According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 

XXXX XXXX XXXX XXXX unauthorized/unverifiable hard inquiry ) XXXX Wells Fargo Dealer Services XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc (MI)

On XX/XX/XXXX there was a charge put on my venmo for {$52.00} at XXXX when I had a XXXX, balance there was no money on the card and venmo authorized the unlawful transfer and now is billing me for it I have put in a dispute against the Unauthorized purchase & venmo has denied my claim.. It is a prepaid card it has nothing else hooked to it no checking account no other credit cards.. 
On the receipt it shows that it was supposed to be done through my XXXX pay but I have gone to my XXXX pay receipts and nothing shows up of this purchase.. With this venmo being a prepaid card and having a XXXX balance nothing should have been charged.. I remember one time I went to pay my power bill and I was XXXX cents off and the charge was denied cause I was XXXX cents off but they're gon na authorize A {$52.00} charge when there was a XXXX balance something fishy but venmo is not willing to listen..
Consumer complaint received 2023-06-22
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX, Equifax, XXXX Account # XXXX has violated my rights on XX/XX/XXXX for {$4900.00}. XXXX and Equifax Account # XXXX has violated my rights on XX/XX/XXXX for {$17000.00}. 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 cant and should not furnish an account without my written instruction so therefore I need these accounts removed immediately.
Consumer complaint received 2021-10-19
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. (PA)

XXXX XXXX XXXX XXXX  Ststus XX/XX/2021, Open/Never Late. Comment section : COMPLETED INVESTIGATION OF FCRA DISPUTE - CONSUMER DISAGREES. This caused my credit report to drop 5 points. I did not initiate a FCRA dispute. False information.