davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

Company last year in XXXX lowered my credit limit from near {$1800.00} down to {$620.00} for no reason. I actually used the card regularly and had it paid in full when they did this. Now, I just got a letter dated XX/XX/XXXX that they closed my account because the number of dishonored payments on this account. I have no idea what they are talking about. There was an issue with my bank accounts in regards to paying from a wrong bank account but regardless I reached out to them and got the problem resolved, paying my debt in full. I have not dishonored any payments. I have not set up payment arrangements and I promptly take care of issues when I know they have occured. I am not continuously late, I use their card often and pay my bill. I had one hick-up, again because of my bank accounts I was switching everything around, and this happened. Its sad that a company treats people like they have never had a mistake happen. I do not want their card, however I want to make sure this does not affect my credit score at all by their reasoning to close my account.
Consumer complaint received 2021-04-23
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX

3. XXXX  XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

4. XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

5. XXXX/XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened onXX/XX/XXXX.

6. XXXX  XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

7. XXXX  XXXX  - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

8. U S DEPT OF ED/XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on 2/1/2010.

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX  - XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 8. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXon XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-04-23
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: Experian Information Solutions Inc. (NY)

experian has a scam on my credit report and they have done nothing about it XXXX CREDIT/XXXX Inquiry Date : XX/XX/2021 Phone # : XXXX XXXX XXXX XXXX you cant even call to see what it is a scam. So they don't investegate, then they say please refer to my credit report for the furnisher or public records office name address and phone number. My question is HOW!!!!! With what they have listed CFPB needs to step in. See experian response below In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess.
Consumer complaint received 2021-04-23
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. (SC)

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and I need to provide a good life to my parents and these fraudulent items will hurt me to provide as daughter. so please help me while I move forward with helping my family thanks.
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-11-18
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

I disputed XXXX Bankruptcy filings that populated on to my XXXX Credit Report with XXXX on XX/XX/2021. I told them that there was proof that the information in the bankruptcy filings showed a similar but different SSN than mine. I also told them that it was a result of identity theft and I needed the matter resolved asap to get a mortgage. 

Unfortunately, XXXX completed their investigation and marked the bankruptcies to " Remain, '' on my credit report. This has caused me to lose out on an accepted offer to purchase a home for me and my family. This should not be legal because it is proven that the SSN used for the bankruptcies is NOT mine. 

Additionally, I have started a new dispute on these same items as well as a new bankruptcy on my credit report filed XX/XX/2021. XXXX 's reporting of this bankruptcy and the prior XXXX are costing me a lot!
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (TX)

I have contacted Source Receivable Management informing them that I know nothing about this alleged account yet they lie and insist that they have sent notices yet I have never received them. I have never dealt with this company or any company that they represent. Even after I informed them that I knew nothing about this account they have failed to supply any proof bearing my signature of this alleged debt. So Source Management you have failed to supply the proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. A billing statement is not proof. 
In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument BEARING my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine AND REMOVE FROM MY CREDIT FILE AND SEND BACK TO THE CREDITOR. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for you collection of this alleged debt?

4. Please send evidence your authorization to do business or operate in the state of Texas? 


5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument BEARING MY SIGNAATURE.
Consumer complaint received 2021-04-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

This has been going on for 2 years now. In 2019 I reported 2 frauds on 2 different credit cards I had with Bank Of America. One of the claims was approved and the second was not approved, when I asked why one of the claims was not approved when they were filed the same day and for the same reason, no one could give me an answer. I was told I would need to pay over 10k dollars. I reopened the claim and filed a police report and collected information from my employer, including XXXX, the company through which my company used the email client where it showed that the person 's XXXX address that hacked our company was in XXXX XXXX. During the investigation, the money wasn't paid because the claim was still open, but at the end, after sending them about 20 pages of proof, police reports, etc, Bank of America said I was still liable and had to pay the amount. My employer was nice enough to reimburse me because we were hacked and that's how my personal card was compromised. The issue was that BoA counted the time of the open investigation as late payments when the person at their local branch AND ON THE PHONE said, that wouldn't count against my credit score. They refused to remove the late payments that show on my credit score because I the fee was not waived and if the fee is not waived, the late payment counts against me, which is something they never displayed to me and as a matter of fact they told me the opposite. I have been fighting to remove this for two years and it's affecting my ability to buy a home. I owe BoA nothing, I paid the 10k for which I was scammed and they still refuse to remove the late payments from my credit score. Please help me. If this does not work I have to file a report with the FBI for the online fraud and see if this will escalate things with BoA.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

After my, the co-borrower on the loan, passed away I couldn't afford to keep the up the maintenance on the house and pay all the bills. I eventually fell behind and the house condition got worse and worse. I applied for a short sale in XX/XX/XXXX and submitted an offer that same month. My authorized third party has submitted the same documentation over and over and still the servicer continues to ask for the same things over and over again. A couple months after I was under review for a short sale, the servicer hired an attorney and filed a foreclosure complaint. I applied for the short sale long before a law suit was ever even filed. The offer that was submitted was rejected so the buyer came in at full price based on the XXXX performed by servicer. Still, they continue to reject for the same reason over and over again. My authorized third party has been on the phone for hours with representatives and supervisors trying to get this resolved. Everytime she calls she is told to send something else in that has already been sent but it is still rejected. The house continues to get worse and worse the longer this drags out. My son and I were forced to move out of the property because of the condition and now because the servicer has taken so long, they say that I am not eligible for any relocation assistance because I no longer live there. Had they reviewed the complete package and accepted the full price offer instead of going round and round for almost a year I would have been eligible for the assistance which I desperately need. The foreclosure was filed in XX/XX/XXXX and by that time I had already been forced to go part time because of COVID so that my son could do distance learning. My credit is so much worse than it would have been because now I have 6-8 more missed payments than I should. What they are doing and have done is predatory and wrong. I have complied with every single request for documentation and I don't know what else to do to get out of this situation, and I feel like they are forcing me into foreclosure which is the last thing I want. There is now another sale date set for the property which XX/XX/XXXX. The first one was set in XXXX and we got that postponed in hopes that this would get resolved, which unfortunately I really don't see happening at this point.
Consumer complaint received 2019-05-11
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: CONTRACT CALLERS INC (GA)

XXXX and XXXX are still reporting Contract Callers Inc on my credit report and a bankruptcy on my credit report that do not belong to me. I have submitted my DL, social security card, utility bill, and police report stating that these items do not belong to me. Yet they keep updating my report as a collections account. These accounts do not belong to me. I need them removed asap. Also, the inquiries on my account are not mine. I have already contacted XXXX about the issue as they are the original creditor on the Contract Callers Inc, but nothing has been done. The XXXX XXXX XXXX is not my account either and needs to be removed. I have tried to call them and I am not getting any kind of response. Also the only address and phone number that should be on my report is XXXX and XXXX XXXX XXXX, XXXX Ga XXXX. This information should not be used for any creditors to contact me and for them to update their systems to harass me about a debt that doesn't belong to me at all. My next step is to retain an attorney and sue any debt collectors that have not removed the items off of my report.
Consumer complaint received 2021-09-21
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: AMERICAN EXPRESS COMPANY (NV)

American Express sent me an offer for a XXXX XXXX XXXX XXXX. It was my understanding that it was for my business and not for me personally. I was directed to amex.us/XXXX to fill out an application for my business. Toward the end of the application, after entering all of my company 's information, it asks for personal information about an owner of the business. I entered the info then came to the part where it asked for my social security number. I was wary at first but I saw an icon next to the input field that is common on web forms to give more information about that particular item. When I clicked on it it said " Your Social Security Number or Individual Taxpayer Identification Number is required to verify your identity. '' which led me to believe that they were using my SSN ONLY for the purpose of verifying my identity. Nowhere on the application did it say that I authorized them to run a hard inquiry on my credit report. I even did a search on the entire page for the word " inquiry '' and not a single result appeared. After submitting, they, of course, hit my credit file with a hard inquiry. I feel that the practices that they are using are deceptive and misleading. Furthermore, I did not authorize American Express to run a hard inquiry on my credit file. I did not sign any application nor did I check any box which gave them my consent. They are currently using verbiage along the lines of " By submitting this application, I certify that I have read, met, and agreed to all of the terms, conditions, and disclosures as outlined below '' but as numerous court cases have ruled only clickwrap agreements are enforceable and not browsewrap agreements... for a clickwrap agreement to be enforceable, a user must give active affirmative consent by actively clicking a box or button that says " I agree ... '' not just some part of the page that says by submitting the form below, you agree to the terms listed on this page... 

My rsvp code was XXXX and they ran the inquiry on XX/XX/2020.
Consumer complaint received 2019-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I purchased this home in XXXX for XXXX from XXXX XXXX XXXX  who went out of business and the loan was transferred to XXXX, who also went out business and the loan was transferred to XXXX XXXX. I said I made a loan on the home in XXXX and said the balance was {$280000.00}  with a deferred payment of {$180000.00}. I never missed a payment with XXXX. In XXXX of XXXX, a XXXX representative offered me a Recast on the loan and instructed me to make the first payment XX/XX/XXXX. In XX/XX/XXXX, XXXX  transferred the loan to SPS, which applied my first payment to XX/XX/XXXX. Every since then they have harassed me monthly with letters saying my loan is behind in payments. They asked me to send information on a Loan holder named XXXX XXXX. In XXXX XXXX paid state taxes for a XXXX XXXX. I checked on XXXX and it showed that the home was sold in XXXX for {$18000.00}. I am a 100 % XXXX XXXX Veteran with XXXX, physical programs. I can not afford an attorney, but need help. Please XXXX, help me through this difficult time.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Dispute of Inaccurate Late Payment Reporting - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subiet : Request for inacurete late payments base on FCRA sp ecifically 15 USC 1681. 
I Am Writing To Dispute The Inaccurate Reporting Of Late Payments On My Credit Report, Specifically Concerning The Accounts Referenced With XXXX XXXX XXXX XXXX XXXX Upon Thorough Review, I Have Identified Discrepancies In The Reporting, And It Appeary That There May Be A Violation Of The Fair Credit Reporting Act ( Ecra ) As Ouflined In 15 US.C. {$1600.00}. The Reported Late Payments On The Aforementioned Accounts Are Inconsistent With My Payment History. To The Best Of My Knowledge And Records, I Have Consistently Paid These Accounts On Time, In Accordance With The Agreed-Upon Terms Reference To PAANL ( Paid As Agreed, Never Late ) : The Termy Of Our Agreement Have Always Been Adhered To, And The Accounts In Question Should Reflect A Status Of " Paid As Agreed, Never
Consumer complaint received 2019-05-10
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I worked and followed step by step the identity theft.gov 's way to handle these situations of identity fraud. I sent in all paperwork, every single document requested and needed for these companies to fix these issues and this is the second company to send me a letter stating there is nothing they can do. I want to take the investigation further as I have a very good idea of who the suspect ( s ) are and believe there is a fraud 'ring ' going on but I will finish working on my issues first. So after they received all necessary information to removed the hard inquiries from my credit report which I have worked tirelessly for years to get to where it is they just simply state they don't have enough information help, although all necessary document where sent to them. I had to go through this same process with CXXXX ( XXXX XXXX ) and now because it has been well after the thirty days I have to with the rest of them. I want to thank you for your help with them as they sent out a letter which must have been nearly immediately after receiving whatever they received from you apologizing and removing the inquires so thank you very much. Unfortunately I will be sending four or five ( I cant think of ther exact number right now of how many more they tried to open ) so I apologize in advance for that, I will probably copy and paste this as my hands literally hurt from spending all day on the computer looking up my rights and what I can do etc. So all I want from these companies is for them to remove the inquires from my hard earned credit report and any and all information on the applications etc they have from the fraudulent applications so I can move forward with my case against these criminals. Thank you so much, you guys and the XXXXv site have been unbelievably helpful ; when no one else was.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I submitted a complaint for this earlier this week but accidentally said XXXX when it should have been against Equifax in XXXX. Meanwhile, today I received the attached letter from Equifax AGAIN refusing to remove the fraud alert from my account. Just to reiterate when I submitted earlier, I've apparently had a fraud alert on my report since AT LEAST 2011 because I was denied an apartment in VA because they couldn't get my Equifax report. TO DATE, this fraud alert is STILL on my report. According to their website, it's suppose to automatically expire in 7 years and it's been at least 8 years and it's still preventing me from getting credit BUT IS CAUSING MY CREDIT SCORE TO FALL WHEN A VENDOR ATTEMPTS TO GET THE REPORT. In XXXX, I sent the attached letter to Equifax registered mail along with a copy of my drivers license, passport and utility bill. Both the drivers license and utility bill have my current address which is also shown on my credit report. The attached printout is directly from the Equifax page and it states that I should send ONE document from each of the two sections. From section one, I sent TWO documents, both the DL and the PP. The DL clearly shows the current address. From section two, I sent a current utility bill. Instead of them removing the fraud alert, now they're claiming they need my social security number. As you can see on the letter that I sent to Equifax, I included my SS number and previous addresses for the past 5 years even though NONE of that was required. NO WHERE ON THEIR PAGE DOES IT SAY THEY NEED A COPY OF MY SS NUMBER/CARD. Again, I've been trying to years to get this alert removed from my report BUT EQUIFAX REFUSES TO REMOVE IT EVEN THOUGH I'VE MET ALL THE REQUIREMENTS THAT'S LISTED ON THEIR WEBSITE!!