davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
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: TD BANK US HOLDING COMPANY (FL)

XXXX Please review this updated complaint I submitted the wrong bureau letter in previous complaint*** A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX  I thought I was doing the right thing by returning the car. I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. On XX/XX/ and XX/XX/ I sent letters to the credit bureau 's and creditor. The repossession was removed from XXXX and XXXX  but not from XXXX. The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

I have PayPal Cashback credit card that is issued by Synchrony Bank. On that card Synchrony Bank offers 2 % of cashback that can be redeemed either as credit to the credit card account or as PayPal balance. This card is connected automatically to one 's PayPal account. The only way to get access to the internet bank of the card is through PayPal account. 

On XX/XX/ something happened to my PayPal account, it got disconnected from PayPal Cashback card and could get to the internet bank of the card any longer. Among other things I lost control over the cash rewards point. At the moment I have number of reward points that is equivalent to {$330.00}. 

I called support of that card multiple times. At first, they suggested that it's possible to reconnect the card to PayPal account manually. It turned out not to be true. Then they said they can issue a check on the reward point amounts - it turned out not to be true as well. Last time they said that it may be possible to credit my account for that amount but they closed my case again instead with a generic response ( see first_letter.pdf and second_letter.pdf ) Synchrony bank didn't provide any viable solution after all.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$500.00} XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$870.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$4500.00}
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding unknown and inaccurate things on my credit report. To this day 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason for immediate removal of those items from my credit report. It has been 60 days and they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IA)

I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Consumer complaint received 2021-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (NJ)

My address information I had been living in XXXX XXXX XXXX XXXX NJ for 15 years.Between XXXX to XXXX. 
Also a lot soft inquiries that NEVER happened : All XXXX XXXX All XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX All onemain Make no sense.. I am really careful about no make any extra damage applications
Consumer complaint received 2021-09-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I would like to start off by saying my original financing of my home with Wells Fargo was seamless. It was only when they offered to refinance at a lower interest amount did things become so complex. I began my refinancing nightmare on XXXX XXXX I am still in the process as of XX/XX/2021. I have too many emails back and forth to count. To sum it up Wells Fargo has taken every angle to try and prolong this experience examples include hiring the wrong appraiser and then trying to get me to pay for it and then spending over a week investigating if I should pay for them picking the wrong appraiser. The next is getting me to submit information multiple times and then just to turn around and say it will not work. I would not wish this experience on my worst enemy, at this point I believe Wells Fargo does not want to refinance for the lower rate and this is their attempt to bully me into submission.
Consumer complaint received 2021-09-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The items found within my credit report that I have listed below are not related to any transactions I made. I am alleging that a person or company -without authorization or consent- used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. I did not authorize nor benefit from the following fraudulent and inaccurate inquires. Please block, delete, and remove the following from each Bureau 1. XXXX XXXX  XX/XX/XXXX 2. Capital One XX/XX/XXXX 3. XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. XXXX  XXXX. XXXX XX/XX/XXXX {$820.00}
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S Code 1666 ( b ) billing error. 
( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement. 
( 5 ) A computation error to other similar accounting error on a creditor 's statement. 

Upon conducting a recent examination of my credit report, I discovered a substantial amount of discrepancies. Based on my understanding, the creditor failed to furnish me with statement at least 21 days in advance, so precluding any occurrence of late payment on this account. I kindly request access to verifiable evidence from the creditor 's financial institution that substantiates my nonpayment and late status, which can be attributed to an evident billing error. My consumer report states that each of the items below needs to be changed to reflect the agreed-upon payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

According to 15 USC 1692 its a violation for XXXX agency to not have notified me in writing within 5 days. Only I can validate this debt and I DO NOT validate this debt. Per violation is {$1000.00} The agency stating a past due DATE is a violation 15 USC 1692d ( 2 ) The agency stating the amount due is a violation of 15 USC 1605a They also did not respond back to ANY OF MY LETTERS STATING THE SAME The agency is also in violation of 15 usc 1681 for INACCURATE CREDIT REPORTING
Consumer complaint received 2021-08-28
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: Experian Information Solutions Inc. (CA)

This is in regard to late payment notices sent to all three CBRA 's by XXXX. Please remove those notices. XXXX claims to have a program to help its clients keep current and those that have fallen behind. Due to COVID-related unemployment and issues with CA XXXX  which I informed the company 's Account Manager, I would need to arrange payments at a later date which I did and made certain they were kept. The Account Manager stated that this would not be an issue and did not state that this would place a negative mark for late payment on my account. I paid the back due and prepaid the next due payments to keep my account ahead. In complete contradiction to their commitment to not penalize me, they placed late payment notices on my CBRA 's. This is dishonest and a violation of FCRA which states that they are required to inform a customer of a negative action that will be taken when questioned about the repercussions of making a payment arrangement.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I got my unemployment in XXXX of 2020 and have XXXX dollars in casino  charges and a XXXX  XXXX  XXXX  on line gambling I have XXXX even heard of if you look at my statements that have same day casino charges then XXXX charges in XXXX XXXX from each other I have almost had a nervous break down due to just trying to recive a paper statement then to have them freeze my account 7times have to wait for a card change my adress to my neighbors get disqualified from end dividing understand why give me some provisinalncredit reverse it say you paid me XXXX and lied about giving it back to me I need my money back I have called merchants casino they tell me to call bank for help I can ony do so much
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. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX  {$9400.00} Date Opened XX/XX/XXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXX XXXX XXXX {$38.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-08-28
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Services, Inc. (OK)

I contacted national credit services regarding a very old defaulted student loan on XX/XX/2021, they told me they wont discuss over email, they asked to discuss over the phone, i wanted everything in writing ... so i then sent them an offer of settlement of {$620.00} on XX/XX/2021 via usps mail with tracking number. the company never responded. company seems to have reported a new mark on my credit report, the debt went into forbearance 20 years ago. any help to get the company to respond so i can get this cleared and done with would be appreciated. thanks
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc. (FL)

Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2021-08-28
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: Experian Information Solutions Inc. (WA)

Experian XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX XXXX XXXX WA XXXX Dear Sir or Madam : XX/XX/2021 I recently applied for a Home Loan and was denied. In large part, this was due to errors being reported in my name by Experian. I am therefore requesting that you do a thorough investigation of the accounts Ive listed below for both accuracy and completeness : Creditor Account Referenced Creditor Account referenced XXXX # XXXX XXXX XXXX # XXXX # XXXX # XXXX # XXXX XXXX # XXXX # XXXX Key # XXXX # XXXX # XXXX # XXXX The errors Experian is reporting in my name are causing me great financial harm. Pursuant to my rights under the FCRA, I will wait no more than 30 days from the verified date of your receipt of this letter ( sent to you via USPS Certified Mail ) for completion of your investigation. Upon completion of your investigation of the accounts listed here, please provide me a corrected and complete copy of my credit report. ** Specifically, I request that Experian demonstrate the Date of Last Activity, or Last Active date, for each of the accounts in your records. ** It is my understanding that the FCRA allows a Credit Reporting Agency to request proper identification before addressing my concerns. To that end, I have enclosed the following information to demonstrate my identity : A copy of my U.S. Passport Two bills addressed in my name and delivered to my address of record A copy of Page 1 of the Partners Credit & Verification Solutions credit report used in considering my loan application which demonstrates that Experian sold my information and that this is the same information I have provided to you in the List of Accounts presented above. 

XXXX*Note : I have every reason to believe that a U.S. Passport is accepted in all 50 States and by any US Court of Law as Proper Identification. Additionally, both my Social Security Number and Date of Birth are displayed on the Partners Credit & Verification Solutions credit report. Demonstrating that Experian sold my information to them using this same information as identification. This statement is signed under oath and is a true representation of the information available to me. 

Regards, XXXX XXXX XXXX XXXX. 


CC : File
Consumer complaint received 2021-12-07
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. (IL)

To whom it may concern, I am writing this letter of dispute about a fraud remark on my credit report with Equifax. This matter derogatory remark is saying an account opened XX/XX/XXXX for {$210.00}. And the 1st delinquency XXXX with XXXXXXXX XXXXXXXX XXXX XXXX I have made several attempts to resolve this matter with XXXX XXXX XXXX and Equifax when it appeared on my credit report. XXXX XXXX XXXX is having trouble with producing and sending me a list of all the billing history and the itemized transaction for this account. I need to thoroughly investigate this matter since Equifax has refused. 

The only documents I received with another person 's name crossed out and someone filled in my name on a contract that was not authorized by an officer of the company XXXX. The contract is showing a zero-balance dated XX/XX/XXXX. With a different ink pattern where someone decided to print my name or copy and paste it on this contract. 
XXXX XXXX XXXX have also sent me someone else credit card info. I have double-checked all my credit cards it does not match with my credit cards. 

I have also requested Equifax to send me the personal information they supplied to XXXX XXXX XXXX about this matter. And how was this account verified as correct? I have certified mail this information To Equifax regard unfair practice and deceptive information.
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX I received an email notification from Experian to check my account. I have online accounts with Experian, XXXX, XXXX  XXXX XXXX since I was identified as one of the victims of the XXXX data breach at XXXX  and I monitor diligently my credit and all my accounts. When I checked my account it showed I has no credit account with XXXX XXXX  and has NO FICO SCORE to show. Indeed, I have a very active line of credit with XXXX XXXX  in extremely good standing since XXXX. I was shocked and very upset to see this and to see when I logged into my accounts with the other credit agencies that my FICO score of over XXXX  dropped overnight to about XXXX. I protect my excellent credit with my life. I know that this is one of the major indications of identity theft. I spent hours that night and hours each day for the next several days trying to figure out what could have happened, ordering and scouring my credit reports from all agencies and contacting them. When I called my credit card issuer, XXXX XXXX, they escalated my case to XXXX XXXX XXXX of XXXX XXXX  Retail Support group. It was then discovered that XXXX never reported my credit activity for this month ( XX/XX/XXXX ) and all my credit reports and FICO scores with all four agencies reflected this and suffered an enormous drop. After countless calls and emails XXXX did finally supply my data to Experian which the following day, XX/XX/XXXX, reflected the correct FICO score of over XXXX. I then had to open a dispute with each individual agency asking them to re-run my XX/XX/XXXX reports with the correct reporting now supplied by XXXX XXXX, This was a tragic situation for me. I almost went to the police because I was sure fraud was committed against me, only to find out my own bank did not report my credit to the agencies. Now I have an indelible black-mark on my credit history with all agencies showing at 150 point DROP in my hard-earned credit for the month of XXXX that will always be there. XXXX XXXX  made a huge mistake and I'm probably not the only one. This egregious failing on the part of XXXX needs to be investigated. I need ALL my reports with all credit reporting agencies fixed immediately to show that I did not cause this tremendous drop in my credit for the month of XXXX and eradicated if possible. Thank you! XXXX-
Consumer complaint received 2021-06-04
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. (NC)

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.