davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/21 I was buying a new router on the XXXX store and it offered split payments. There was no indication from Synchrony that I would be applying for a credit card at any stage of the process, and it appeared to be more in line with XXXX or XXXX. 

However, I immediately got several emails and notifications alerting me to a credit check, and was then shown a screen that I had been approved for a card. I immediately called the number from Synchrony asking if this had been me to try and get this fixed, they were rudely adamant that there was nothing they could do
Consumer complaint received 2023-06-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial reported on XXXX to the credit bureaus that I owe {$540.00} but I never received any written documentation from Bull City Financial about the debt being owed. I am on XXXX XXXX XXXX health insurance since I am only XXXX XXXX XXXX and in XXXX full-time we have medical insurance so, this should not be owed. I would like to receive notice along with the actual bill showing what was paid by my insurance company and what is actually owed with a way to dispute this amount. I would also like this removed from my credit report immediately
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NY)

XX/XX/XXXX around XXXXXXXX XXXX XXXX phone was stolen at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX. The phone included an XXXX XXXX XXXX credit card, M & T debit card ( x XXXX, joint account for XXXX and XXXX ). ATM pin was not enclosed with debit card and NY driver 's license. 

M & T was notified @ XXXX XX/XX/XXXX of fraudulent activity on XXXX 's debit account, 5 non-M & T ATM transactions, in total {$900.00} and 6 non-M & T inquiry ATM fees, in total {$19.00}. The overall amount was {$920.00}. M & T immediately provided a provisional credit of {$920.00}. M & T XXXX XXXX XXXX XXXX is an Investment Banking Analyst in XXXX. 

XXXX has never been able to take more than {$100.00} from a non-M & T ATM -- -how is this possible that these 5 non-M & T transactions for over {$900.00} were approved by M & T in one block of time?

The weekend ABs phone was stolen she consequently replaced her phone ( see attached replacement bill ), her NY license ( see attached replacement documentation ), M & T debit card & XXXX XXXX XXXX credit card ( see attached replacement documentation ). XXXX XXXX XXXX credit card already had XXXX fraudulent transactions totally about {$110.00} before the card was frozen. All deemed fraudulent by XXXX XXXX. 

Dated XX/XX/XXXX, M & T sent a letter saying, " after a review of your account and thorough investigation, we have determined that these transactions in question were processed correctly, and no error has occurred '' Therefore we are denying your claim, # XXXX ''. " The provisional credit was reversed on XX/XX/XXXX '' XXXX XXXX, XXXX called to request claim # XXXX be reopened ( contacted XXXX ) - XX/XX/XXXX contacted XXXX that we had additional documentation, and we were instructed to go to the nearest M & T Branch and fax the documents to request the claim # XXXX be reopened. That same day, M & T Branch ( XXXX XXXX XXXX XXXX, NY XXXX ) faxed to XXXX the following replacement documentation : XXXX XXXX XXXX XXXX replacement phone, XXXX XXXX XXXX credit card and New York drivers license. 

XX/XX/XXXX contacted XXXX contacted M & T for a status and NOTHING has been done to address our claim and no follow-up dates have been provided.
Consumer complaint received 2021-10-18
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 (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (GA)

How many dispute letters and CFPB Complaints do I have to submit to the Credit reporting Agencies to have the disputed fraudulent account and information deleted from my Credit File. It has been a battle going through this and I am submitting yet another CFPB complaint to request to the Credit Bureaus to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. Once again, please delete the following accounts and information completely from my Credit File as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/2020
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION ''15 USC 1962e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTYER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2022-07-12
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: BARCLAYS BANK DELAWARE (NY)

this is a dragged out Dispute which has been lingering for over a year in XXXX oXXXX XXXX, i purchased a bicycle on a website promoted by face book the original charge was for $ XXXX did not feel comfortable with the purchase because i did not recieve a trackin # for the item which i had paid additional for express shipping. I called the credit card company and the filed it as a fraud case.i still recieved a bill and expected to pay it .months later i recieve a cheap XXXX fitness rubberband, althought the package did note state the name of the company i purchased the bike from, i am sure it pertained to this purchase. clearly a scam.I disputed the charge as i did not recieve what i paid for. the credit card company barclays bank Jetblue mastercard decided with the merchant, I appealed and after a year they once again sided with the merchant my bill is now doubled in interest and late fees.Most of these ridiculous dissisions are from incompetance of the employees which i have witnessed try to resolve the dispute.i am not sure on how this will help me without have my personal info
Consumer complaint received 2021-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just check my credit through XXXX 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX and Transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2022-10-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC (IL)

Dynamic Recovery Solutions is the 5th collection agency attempting to collect this debt. Please find attached documents showing that the previous collection agencies had my credit files showing that my files were deleted. The debt was never verified, Dynamic Recovering Solutions never sent me a letter, giving me a 30 day period to dispute this debt, Under Federal Law Collection agencies must send you a letter in writing detailing the debt and giving you a 30 day period to dispute.. I have XXXX XXXX and that is how I find out that they were trying to collect. I am disputing this amount just like the previous collection efforts, the amount was never verified. Please find attached the original collection efforts and where they have all deleted this from my credit files.
Consumer complaint received 2022-10-22
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)

I sent a letter on XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Consumer complaint received 2022-08-06
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, violated my rights. I have never done business with XXXX XXXX. XXXX XXXX illegally reported invalidated information to my TransUnion report. 

In addition to, pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 602 A : I have a right to privacy.

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1681 Sec. 604 A Sec. 2 : A consumer reporting agency can not furnish an account without my written consent.

Lastly, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), I requested an investigation and debt validation. However, I did not receive debt documentation to validate debt.
Consumer complaint received 2022-08-06
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. (MI)

On XXXX XX/XX/XXXX XXXX XXXX responded to CFPB complaint XXXX stating : " Your account was charged off on XX/XX/XXXX and we are no longer sending you billing statements. '' However, the collections agent XXXX XXXX assigned stated " Your account was recalled by XXXX on XX/XX/XXXX ; '' That is, XXXX XXXX recalled the account knowing full-well a billing investigation had not been conducted. Yet, without conducting a billing error invesigation, XXXX XXXX allegedly charged-off the account on XXXX XX/XX/XXXX. Under 12 CFR 1026.13 Billing error resolution XXXX XXXX was to have conducted a billing error investigation. They did not. Moreover, 12 CFR 1026.13 ( 2 ) states that Adverse credit reporting is prohibited. " The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' What XXXX XXXX did was conduct a billing error investigation post-facto, and then commenced furnishing negative payment history to the CRAs around XX/XX/XXXX. I have had to have it removed when I've caught it. Unfortunately, XXXX XXXX began reporting payment history again to the CRAs in XXXX of XXXX advancing deliquency status by thirty ( 30 ) days but have failed to send me a bill. It is incohate for a charged-off account to both be charged-off and past-due, advancing the adverse payment history every thirty ( 30 ) days. Finally, screenshots from XXXX XXXX website celarly show that out of the total outsanding balance only around four-hundred dollars is allegedly past-due, which is consistent with the adverse history furnished to the CRAs. Since XXXX XXXX is clearly furnishing payment history to the CRAs, while amditting they are no longer sending me statements, '' I am asking for the CRAs to remove the account/tradeline for this accout because the account history remains incohate due to the post-facto billing investigation. They have chosen not to comply with Federal law regarding Regulation / TILA, billing error investigations under 2 CFR 1026.13, collection practices under FDCPA, and data furnishing responsibilities under the FCRA.
Consumer complaint received 2020-06-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
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. (MS)

I am wondering if is it really that hard for the Credit Bureaus to PROPERLY verify the items that I have been disputing from XX/XX/XXXX to XX/XX/XXXX or it's just that the Credit Bureaus are lazy to not investigate at all. The Credit Reporting Agencies are required to remove any accounts and information that resulted from the Identity theft and was included in in an ID THEFT REPORT, but I see here that the Credit Bureaus have done nothing. I am disappointed by this action by the Credit Bureaus. How many letters do I have to send to the Credit Bureaus so that they pay attention to my appeals? Or are they just really lazy to take action and correct my Credit report. I am submitting this complaint to re-dispute the items which I previously disputed through the letters I sent and the complaints I submitted. Delete the following items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-01-09
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. (MS)

On XX/XX/XXXX, I submitted a formal complaint. I received a response from the company on XX/XX/XXXX that does not address the XX/XX/XXXX complaint. It almost appears that a computer generated the response as opposed to a human being looking at the issue. 

This is an account I have attempted to bring notice to the fact is not being reported accurately on my credit report, yet you have not disputed these correctly. The response to the dispute I get state this account belongs to me, yet I have not disputed ownership whatsoever. According to 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 also states a consumer reporting agency can not furnish an account without my written instructions. How can this account be verified as being 100 % accurate without the necessary authorization shown provided by me?

Again, I AM REQUESTING TO RECEIVE THE DESCRIPTION OF THESE FINDINGS ACCORDING TO 15 USC 1681 ( 7 ). By law, Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If my written consent for the reporting of the following accounts was not provided and can not be provided, the following accounts must be deleted immediately.
Consumer complaint received 2022-04-08
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

XXXX holds my VA morgtage, account XXXX. They took it over in XXXX of XXXX and immediately began reporting me late, because they miscredited a payment I had made to the former loan servicer, XXXX. ( I made the payment and they got it, but they credited it to my escrow rather than as a payment. ) Since they had no record of this payment being made, the next payment was credited to the past due payment, and then down the line, on and on, with every payment reported late. 

I didn't find out about this until XXXX of XXXX. ( I think XXXX  misentered my mailing address because I didn't get a single thing from them in the mail for the first year. ) As soon as I found out, I sent them a notice of error by certified mail but got no response. In XXXX, I submitted a complaint through the CFPB, XXXX. 

I got a a response from a compliance officer at the company named XXXX XXXX. He investigated and determined that I had made all my payments correctly and XXXX had made an error. He sent me a letter to this effect. ( attached ). He said he was fixing it but that would require redoing my entire account history, which would take time. But he would fix everything and the credit bureaus should have the right information within 90 days. 

In addition, he determined that I was overpaid by about {$54.00} and he was sending me a check. 

I never got the check but the money he claimed I had overpaid was deducted from my XXXX payment. As a result, my XXXX payment was short and the payment was put into suspense, and not credited to my account. I was immediately reported as late on my XXXX payment to the credit reporting agencies. When I made the XXXX payment, it was applied to my XXXX payment, which made my XXXX payment late. This was also reported as late to the credit reporting agencies. 

The number listed on the response from the CFPB is from something called an 'office of the customer. ' This leads to a computer which doesnt accept calls without an extension number. No extension number was included so I had no way to reach XXXX XXXX  to resolve either the first issue or the second one, which resulted from the errors they made in their attempts to resolve the first issue. 

90 days has passed. 

Two of the credit agencies still report me as late on my payments from the very beginning. This has has been fixed on one of the reporting companies but now all three are reporting me as late on my XXXX and XXXX payment. Of course, they were made on time and in full. This reporting is not accurate. I need it fixed. This problem has been going on for more than a year. I need it fixed now.