davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I checked my credit report there are accounts under a Bankruptcy that I have never filed. I sent a letter asking XXXX, Transunion, and XXXX to provide a method of verification for these accounts. The letter came back that the courthouse provided them with information, I contacted the courthouse and the courthouse sent verification to me providing the information is inaccurate and false. I sent the letter to XXXX, Transunion, and XXXX showing the information they have is false and not true, they provide no information to any credit bureau. According to the FCRA its against consumer rights to report false, inaccurate, and incorrect on someone's credit report. This information is inaccurate and needs to be deleted and removed.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (TX)

I am the victim of identity theft. I became aware of the identity theft over 3 years ago when I was in the process of purchasing a new home. I discovered my personal information had been used illegally to purchase things in my name. I have made a police report for identity theft. I have frozen all of my accounts with XXXX, XXXX, and XXXX. I have also added a statement to all 3 reports that I am the victim of identity theft. I have added a credit alert as well. I received an alert today from all 3 bureaus that my credit reports were flagged for collection for an account I never opened. I received a letter in the mail from a company named " Caine & Weiner '' for the amount of {$110.00} dollars with the original debtor being " XXXX ''. I reached out to Caine & Weiner and explained to the company that I was the victim of identity theft and that this was a fraudulent account. This call took place 2 months ago. And today I am shocked to see that this company still went along with adding a fraudulent account onto my reports. I called Caine & Weiner back this morning, to let them know again that this was a fraudulent account and I was going to make a report against their company because I have already communicated with this company in regards to this issue. I have already disputed this account with all 3 bureaus XXXX, XXXX, and XXXX. I have never had an account with XXXX.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX
Consumer complaint received 2019-04-28
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have sent multiple letters to each credit bureau with supporting documents that other CRA 's have deleted creditors off my report that were not able to be verified. Please see attached letters to show proof that I made attempts to resolve the matter. XXXX XXXX creditor does not have proof of signature or any documents of my account because I have called multiple times and they can not locate me on the system. XXXX XXXX keeps sending the letter attached repeatedly, after I have asked for verification or what documentation they have on me.
Consumer complaint received 2022-10-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

no bad dates should appear on credit report. i wish they would be take off! 
30 days, 60 days, 90 days, 120 days should be take off. only ones pushed back XXXX, XXXX XXXX all of them should come off because i called the office and talk to some one. 
thank you
Consumer complaint received 2021-06-06
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: Experian Information Solutions Inc. (CA)

I have sent letters by US mail 3 times within the last 4 months I have been patient during the 30 days to let their investigation process go through. When I called the credit bureaus for status updates they informed me that they have never received my letters as well as sensitive documentation that was addresses to them. I asked that they put my disputes in over the phone. They advised me if I wanted to send supporting documentation to be attached to send it by mail as that is the only option available to me so I sent a copy of my ID and social security card again.I called 3 weeks later to follow up they told me they did not receive my documentation and for a 3rd time and nothing has been done about the negative accounts. I have sent several copies of my personal information to the credit bureaus and they continuously state that they do not receive letters yet advise consumers to do so.
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

I'm writing to you according to my The Home Depot CBNA card that was opened on XXXX XXXX, XX/XX/XXXX I was never notified about that account. Someone used my personal information for opening credit lines by my name. I filed police report number XXXX on XXXXI could not contact cfpb because I did not know about its existence and that they can help me here.
Consumer complaint received 2019-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (TN)

I XXXX XXXX WOULD LIKE TO HAVE XXXX XXXX REMOVED BECAUSE I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND WOULD LIKE THIS TO BE REMOVED IMMEDIATELY I DONT EVEN KNOW THIS BANK AND NEVER BANKED WITH THEM
Consumer complaint received 2019-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TN)

I XXXX XXXX WOULD LIKE TO HAVE XXXX XXXX REMOVED BECAUSE I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND WOULD LIKE THIS TO BE REMOVED IMMEDIATELY I DONT EVEN KNOW THIS BANK AND NEVER BANKED WITH THEM
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OR)

XXXX closed account on XX/XX/2022 due to a {$40.00} returned payment. This payment was re-tried after the account was closed, and successfully debited but the creditor refuses to change the account status. Creditor stated an earlier returned payment from XX/XX/2022, a period in which I was changing bank accounts. This payment was promptly corrected, for a different amount, as was the {$40.00} amount cited in the letter sent by a " corporate specialist '', which cited an obscure clause of terms of services that I have never seen in any documentation provided by the company. The same person cited a clause about " default '' when referring to " returned payments ''. These two are not the same things. I have never default on this or any credit account and never have I missed a payment. Reported behavior to the XXXX XXXX XXXX and will spread the word about their predatory business practices.
Consumer complaint received 2021-08-04
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: General Motors Financial Company, Inc. (NY)

Hello. I am currently leasing a XXXX XXXX XXXX. I have been a customer since XXXX. Since I have had this vehicle ( over two years ) my payments have always been made on-time.

Earlier this year, I decided to take advantage of the auto-pay program that is offered. From my end, I appeared to have been enrolled, to my dismay on XX/XX/XXXX, while preparing my taxes, I noticed that I did not have any GMFinancial withdrawals from the bank account that I established auto-pay with.

I immediately made the two missed payments. A few days later, I received multiple credit report notification from XXXX  and XXXX. These reports dropped my score by 97 points. 

I then contacted customer service in order to have this issue rectified immediately. Customer service stated that they had called me on my office phone, and that I had not responded. I do not have an office phone and received no communication related to this issue. Had I been notified properly this issue would have been resolved right away. I was not provided adequate notification from GM. 

I was also told that GMFINANCIAL only reports to XXXX  but I received a XXXX  delinquency alert as well. Finally, the customer service agent said that they could not provide me with any further assistance and directed me to send in a letter in order to have this issue resolved.

This situation has created considerable financial duress for myself and my family. A brief review of my financial history will display that I always make on time payments and keeping my credit and finances in tact are a source of pride for me. The decrease is also substantial and does not fairly apply to this misunderstanding and miscommunication. A 97 point decrease is devastating. They also made it look like I was pass due {$3500.00} instead of the {$350.00}. That didn't process in auto pay!

I would really appreciate having these delinquencies removed having these delinquencies removed from my credit report as soon as possible.

Thank you for your consideration and support.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2021-06-06
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: CITIBANK, N.A. (GA)

Approximately 4-years ago when I received my Macy 's American Express Card, a male Macy 's customer service representative told me that I would not need my in-store Macy 's credit card any longer and that ALL purchases ( in-store, magazine and online ) would automatically be charged to my new Macy 's American Express Card. HE LIED! 
- After shredding my Macy 's credit card, Macy 's - WITHOUT MY KNOWLEDGE - kept that Old in-store account opened ( ending in - XXXX ) and allowed someone in California to use my name and make charges on the old in-store account to the amount of over {$1000.00}. 

When I filed fraud charges, Macy 's closed out my Macy 's American Express Card ( ending in - XXXX ) ; and reissued a new regular Macy 's store card ( ending in - XXXX ). I received that new card in the mail this week and never activated it. 

I received the However, when I called today, XXXX XX/XX/2021, to inquire about the activation on the new card, a female Macy 's customer service representative informed me that Macy 's FRAUDULENTLY transferred the fraud charges from the store account and placed them on the new card. She indicated that it is a FRAUDULENT and SNEAKY method Macy 's is apparently using to try to force me to un-awaringly pay for the fraud charges on the old account that Macy 's kept open without my knowledge that allowed someone in California to make fraudulent charges on. 

I also contacted the credit bureau and I was informed that Macy 's FRAUDULENTLY sent in a negative credit rating to the credit bureau after the FRAUDULENTLY activity they allowed on my account without my knowledge. 

When I talked to a Macy 's Fraud agent today, he informed me that the female agent lied in her notes today and wrote that I never verified my personal ID information with her over the phone ; and she NEVER talked to me ( another lie ) ; and that she IMMEDIATELY revoked my new UN-USED credit card that was sent this week ( ending in - XXXX ). I was not aware of the LATEST FRAUDULENTLY ACTIVITY THAT MACY 'S COMMITTED TODAY UNTIL I TALKED TO THE MALE IN MACY 'S FRAUD DEPARTMENT.

Macy 's is COMMITTING CONTINUOUS CREDIT CARD FRAUD - and sending merchandise to people fraudulently to addresses in different states ; but, charging Macy 's customers for those charges. Consequently, Macy 's is sending false information to credit bureau 's as a SOLE PURPOSE TO NEGATIVELY AFFECT my credit report. I AM SURE THAT I AM NOT THE ONLY VICTIM! Macy 's should be investigated, charged for credit card fraud and victims should receive a resolution to this on-going matter! 

And, after I was informed today about the fraud that the female Macy 's representative wrote on my account by the male Macy 's fraud representative, I tried to call Macy 's customer service, a recording stated that Macy 's was NO LONGER accepting any calls from my number. PLEASE INVESTIGATE!
Consumer complaint received 2019-04-28
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: JPMORGAN CHASE & CO. (CA)

My AMAZON Visa Card with CHASE, account number XXXX was lost or stolen and incurred charges totaling to {$100000.00} statement with due date on XX/XX/2019 I've contacted the bank with phone number XXXX, spoke to customer service rep named XXXX and reported the fraud on XX/XX/2019, I also spoke to XXXX on XX/XX/2019 and explained the same thing.. I clearly stated that I personally have nothing to do with any of charges posted on that card. Today XX/XX/2019 I received letter stating that my claim was partially denied based on the matter that I personally " received benefit from transactions '' in amount totaling to {$36000.00}. They provided me with new number XXXX XXXX for additional assistance. 
I spoke to representative with the name of XXXX on XX/XX/XXXX  at XXXX XXXX and clearly stated that I have nothing to do with those transactions and requested to have those charges removed from that account.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I have been a customer of PayPal ( PP ) for YEARS and have provided them a copy of my : 1 ) Drivers license 2 ) Linked my PP to an American bank ( XXXX XXXX ) 3 ) Linked my XXXX XXXX XXXX credit card And now PP is asking me to give them a bank statement to provide my identity. 

How is this acceptable? 

I can go in to any bank and open an account with a government issued ID or If I get pulled over by a police man/woman - they would accept my government ID. 

I want to close my PP account and never transact with them again.
Consumer complaint received 2019-04-28
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 (NM)

XX/XX/19 I attempted to speak to both XXXX and kohls/capone   about a hard inquiry that I never did. kohls states they have no record but will not provide letter of deletion and as for XXXX   they will not work with me without said letter. Both refuses to fix the problem of having an inaccuracy on my credit report.
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blakely-Witt and Associates, Inc. (GA)

The collections amount shown on my credit report is incorrect. The judgement amount owed by me to XXXX XXXX XXXX ( XXXX XXXX XXXX & Blakely & Witt ) is only {$2200.00}. Yet, they instead reported to all 3 credit bureaus the amount of {$5200.00} double the judgement amount against me. This collections record is for an apartment eviction. Because of my inability to pay such a large amount I have been living in hotels and in some cases had to sleep in my car because no apartment is interested in taking me as a tenant because of this falsified record. This has effected my way of life and well being.
Consumer complaint received 2022-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Equifax. Two months ago I filed online disputes with all three credit agencies because my student debt had been forgiven by the department of education two years ago, but was still on my credit report, seriously affecting my credit score. Call the Department of Education who said theyd notify all three bureaus.Ive been trying to buy a car and have to finance some of it. Finally found a vehicle and queried my credit scores. Score was fair with all three bureaus due to Equifax showing the debt still active. Their automated system said they had no dispute for me. Credit simulator said that if that debt was not still listed on my report my score would go up 30 pts to good, which has a significant impact on my ability to get a loan at a good interest rate. I could not access my account on Equifax, said forgot password, response was there was no account set up. Tried to set up an account two times, response was an account with my email address already existed. Finally tried to call them and was on hold for 58 minutes until I hung up, two minutes before they were set to close. Theres no way you can contact them by email unless you can access your account. When I called back today I was given the option of having my call returned. I was Told that I had login issues because I wasnt using XXXXXXXX XXXX and that my VPN was enabled. Suggested that if those were the requirements, they should be noted on the login page. Filed my dispute online and was told it could take up to 30 days for them to investigate it, then they would mail a letter to me about it. Its 2022 and theyre communicating critically important information to me by XXXX. Really? Until then, the debt remains on my credit report from Equifax and my score is low. Was told I could not expedite the dispute for any reason. 

Need to take delivery of a car today, but financing is based on my score of fair, which is totally related to Equifax. I will be forced to Take out a loan at a higher interest-rate. It shouldnt be this hard to get login help, Browser and VPN information should be on the login page, and I dont understand why they didnt process the loan forgiveness information from the department of education two months ago. I am extremely upset.
Consumer complaint received 2022-09-27
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: Convergent Resources, Inc. (SC)

I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following 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. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc. (CA)

Comenity Capital Bank is trying to ruin my life by tanking my credit score. My daughter needed XXXX  to fix her XXXX  so I apply for credit. The payments where {$140.00} a month. I am retired on a fix budget Covid reduce my chances of making extra money. I applied for a program that would reduce my payment to {$63.00} dollars. I am current with this plan and have paid all back money owed. My credit score was XXXX now it's XXXX. Nobody will lend me the money for a new home. I am stuck in the desert with temps over 110 %. The way Comenity Capital Bank manipulated my credit usage and late payments has destroyed my chances of a decent life. I feel they unfairly charged me more than necessary based on my ability to pay.