davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Source Receivables Management LLC (CA)

I am writing to inform you that I am a victim of identity theft. I have recently discovered that several accounts have been opened in my name without my knowledge or consent. These accounts include : A. ) XXXX XXXX Account was opened with my name fraudulently in California XXXX XX/XX/XXXX with a XXXX  of {$36000.00}. I didnt notice until about XXXX of XXXX when I received a call from the XXXX police department. 

B. ) XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX  of {$930.00}. Ive tried disputing before, XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

XXXX ) XXXX XXXX XXXX XXXX  XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX  of {$630.00}. Ive also tried disputing before, XXXX XXXX XXXX  has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

XXXX ) XXXX XXXX XXXX  - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX  of {$1000.00}. Ive also tried disputing before, XXXX XXXX XXXX  has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

XXXX ) XXXX XXXX XXXX - Account was opened with my name fraudulently in California on XX/XX/XXXX with a XXXX  of {$550.00}. Ive also tried disputing before, XXXX XXXX XXXX  has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card. 

I did not open these accounts and have not authorized any transactions on them. I have not received any correspondence or statements from these accounts, and I was only made aware of their existence when I checked my credit report. 

Furthermore, I have also learned that my driver 's license and social security card have been compromised. I have taken the necessary steps to report this to the relevant authorities and am in the process of obtaining new identification documents. 

I would like to request that you immediately close these accounts and take any necessary steps to prevent further unauthorized activity. I would also appreciate it if you could provide me with a copy of any fraudulent transactions that have occurred on these accounts. 

I would be grateful if you could also inform me of any additional steps I need to take to protect myself and my credit in the future. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Lenders listed above are not handling my dispute in a fair and timely manner.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I found check fraud against my checking account ( someone intercepted a check from the mail and altered the pay to field ). Call 1 to USAA, they had trouble submitting the complaint, I was told they would call back once they got it to go through. Call 2, I called because I never heard back, and was told the fraud complaint was submitted and I needed to wait. Call 3, I had waited a couple of weeks and still hadn't heard anything, was told that the complaint was never actually submitted, but they got it to go through during this call. Call 4 a couple weeks later, was told it was still processing and they were backlogged. Call 5 was because I suddenly found that all my accounts were frozen ( not just the account with check fraud ) and a bill payment had been rejected. Spent over an hour on the phone straightening it out, and when I asked why I wasn't informed about the frozen accounts, the rep confirmed no notice had been sent out ( she didn't know why not ). They also refused to reimburse me the NSF fee from the rejected bill payment. All reps I spoke to except on Call # 3 were incompetent. And freezing ALL of my accounts without ever informing the customer is unacceptable bank practice.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (KS)

I have tried to contact someone in the tax department of Specialized Loan Servicing for several weeks now because my property taxes have not been paid for 2021. I have an existing escrow account set up with more than enough money to pay the taxes, however I can't get in contact with anyone at this company. When I've called, I sit on hold for an hour and then they drop my call. I've called multiple times in the past few weeks. I also received a letter this week stating that they were going to have to buy insurance on the property because they didn't have a record of me having current insurance. Well I do have current insurance, through XXXX, and even their website states that my insurance is current. I would like to confirm that they have a record of my insurance and have them pay my property taxes out of my existing escrow account, but it seems it's impossible to speak to someone at this company. Truly terrible customer service.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I am writing to dispute the following information that Synchrony Bank supplied to XXXX, XXXX, and XXXX. I have circled the items I dispute on the attached copy of my credit reports. 

This item credit card account with Synchrony Bank ending in XXXX is inaccurate because Im NOT 30 days late for the month of XX/XX/2022, when they reported this action on XX/XX/2022. 

Also, Federal Laws ( FCRA ) prohibit your company from reporting any derogatory actions while Im disputing this account with your company. Therefore, I am requesting that Synchrony Bank have this item removed/deleted for my credit report with all three bureaus above. 

Enclosed are copies of my credit reports and the disputed correspondence mailed to Synchrony Bank to provide proof that I owe the current amount on this account. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed item as soon as possible.
Consumer complaint received 2016-02-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I had XXXX credit card accounts with Capital One with {$300.00} credit limit or so on each XXXX of them. I set up auto pay through my bank account to pay off the balance at {$50.00} dollars a week until they were paid off. I received a bill in XXXX 2014 saying I owed a little over {$90.00} or so on each XXXX but I did n't worry about it because I had it on auto pay. A couple of months later I get a letter in the mail from a collection agency saying the cards were charged off. I contacted Capital One to let them know that there was a problem with the bill pay system that I was n't aware of at the time and they decided to remove the negative accounts from my credit files even though it 's still reporting on XXXX. I wanted Capital One to remove the late payments and charge off status from the accounts because I never paid late on those cards for almost two years until this incident. I would like for Capital One to place the cards on my credit file with all late payments removed and a paid as agreed status and give me the opportunity to pay the {$180.00} to {$210.00} I owe on both of the cards collectively. I got those cards to boost my credit score and kept up the payments. Removing the cards from my credit file did n't help me at all and it feels like I put in two years of hard work for nothing.
Consumer complaint received 2024-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (HI)

My friend sent money to my Venmo account which was supposed to be sent to my husband, my account is frozen but I have listed and filed them in my chapter XXXXXXXX XXXXXXXX  and they will not release the funds back to my friend as she didnt mean to send it to me. It is {$300.00} that is sitting in a frozen account. I have explained it needs to be returned back to the sender as it was not supposed to come to me and they have no answers to provide besides we are escalating it and its been several weeks of calling and emailing I need that money to be released and account closed. This is urgent.
Consumer complaint received 2022-02-01
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. (PA)

I am writing to delete the following information on my file. The items need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the federal Trade Commission identity theft affidavit. Please delete as soon as possible.
Consumer complaint received 2022-02-01
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. (PA)

I am writing to delete the following information on my file. The items need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the federal Trade Commission identity theft affidavit. Please delete as soon as possible.
Consumer complaint received 2022-02-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (WY)

I had medical issue with XXXX, a for-profit hospital that has a reputation for padding their medical statements. Medicare paid for the services rendered stating in their CSM summary that " u this service paid under another service provided on the same day '' which means that XXXX was padding the billing. I sent a letter to XXXX protesting the additional billing as it exceeded CMS handbook, and that they had not sent me the actual billing codes submitted to Medicare. My understanding is that I should have been billed only the deductible and not the {$430.00} that Medicredit claims I owe. I do NOT owe Medicredit anything as I NEVER received any services from this disreputable band of thugs, and I am still waiting on SageWest to confirm that they know they were PAID IN FULL by Medicare. I am deaf but I think Medicredit has been making multiple calls to my text phone but they never leave a message to confirm who they are. This is harassment and burning up minutes on my text phone that I need for emergencies.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-01
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. (PA)

XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-02-01
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: CarMax, Inc. (IL)

I did not AUTHORIZE XXXX to pull my credit report on XX/XX/2021. I did not attempt to purchase a car from this company. I have attached a copy of my police report as I have filed a complaint about my wallet being stolen and my identity being compromised. I have reached out to several companies that has indicated that XXXX contacted them on my behalf to get credit in which I did not authorized. 

XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX  - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2022-02-01
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. (FL)

I have a charge off on my account that IS NOT a charge off. 

Payment to Lien/Lease holder ( if applicable ) {$11000.00} - XXXX XXXX Total Net Payable to You {$3400.00} - XXXX XXXX XXXX XXXX XXXX has not verified the payment received for the 10 day payoff that my insurer paid to this lender in full. This is very unsettling as I have been attempting to resolve this but it just keeps going after evidence is presented. I am not sure where to go from here but I do know I will continue my dispute for this account as it is inaccurate. 

My vehicle was declared a total loss with my insurer, XXXX XXXX in XX/XX/2020. At that point, XXXX XXXX contacted my auto lender, XXXX XXXX XXXX. XXXX XXXX then in turn received a payoff in the full amount of which was valid for 10 days via whatever portal these companies utilize. XXXX XXXX issued the payment and it was cleared. I even received {$3500.00} AFTER this account was paid in full as per the documents attached. I have been trying to get this off my credit fill and been in contact with XXXX who has been unwilling to assist and hung up on me multiple times nor responded to my e-mails. XXXX is not even affiliated with the XXXX  and I have filed a report with them as well. I did contact XXXX XXXX who paid off XXXX for this loan IN FULL and they were kind enough to provide me with secured e-mail transcripts showing where a loan insurer with XXXX DID receive the payoff AND released the title to the vehicle. Documentation is attached showing the communication between XXXX and XXXX XXXX ( who paid this off IN FULL with a 10 day payoff they received ). 

ALL of this account is inaccurate with payment history not reflecting from my insurer, etc..it shows the last payment was on XX/XX/2020 HOWEVER, a payment in full for a 10 day payoff quote was made on XX/XX/2020. 

This account needs to be removed immediately due to FALSE reporting from the furnisher.
Consumer complaint received 2022-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a charge off on my account that IS NOT a charge off. 

Payment to Lien/Lease holder ( if applicable ) {$11000.00} - XXXX XXXX XXXX XXXX XXXX to You {$3400.00} - XXXX XXXX XXXX XXXX XXXX has not verified the payment received for the 10 day payoff that my insurer paid to this lender in full. This is very unsettling as I have been attempting to resolve this but it just keeps going after evidence is presented. I am not sure where to go from here but I do know I will continue my dispute for this account as it is inaccurate. 

My vehicle was declared a total loss with my insurer, XXXX XXXX in XX/XX/2020. At that point, XXXX XXXX contacted my auto lender, XXXX XXXX XXXX. XXXX XXXX then in turn received a payoff in the full amount of which was valid for 10 days via whatever portal these companies utilize. XXXX XXXX issued the payment and it was cleared. I even received {$3500.00} AFTER this account was paid in full as per the documents attached. I have been trying to get this off my credit fill and been in contact with XXXX who has been unwilling to assist and hung up on me multiple times nor responded to my e-mails. XXXX is not even affiliated with the XXXX  and I have filed a report with them as well. I did contact State Farm who paid off XXXX for this loan IN FULL and they were kind enough to provide me with secured e-mail transcripts showing where a loan insurer with XXXX DID receive the payoff AND released the title to the vehicle. Documentation is attached showing the communication between XXXX and XXXX XXXX ( who paid this off IN FULL with a 10 day payoff they received ). 

ALL of this account is inaccurate with payment history not reflecting from my insurer, etc..it shows the last payment was on XX/XX/2020 HOWEVER, a payment in full for a 10 day payoff quote was made on XX/XX/2020. 

This account needs to be removed immediately due to XXXX reporting from the furnisher.
Consumer complaint received 2022-02-01
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft report
Consumer complaint received 2022-02-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (ID)

In XXXX, XXXX, and XX/XX/XXXX Nelnet automatically more than doubled the payments for XXXX months on my student loan. Upon calling they offered a credit for the next few months to make up for the increase in what was charged. The automatic payments were stalled from XXXX to XXXX. In XXXX then they charged a late fee because they didn't pull the payments out. A call was made and they refunded the late fee because it was a mistake. The payment was re-established. In XXXX it was realized Nelnet had been charging us 1.25 % more in interest since XXXX because their company put us into a " hardship forbearance '' without our knowledge. Upon calling they said this was done because we had a pause on our account. It was explained that the pause was because they had overcharged us and it was due to the credit that was given to us. The account has always been on an automatic withdrawal and we are not in control of having the pause put on our account. Because of the " hardship forbearance '' they applied this caused us to lose the 1.25 % interest rate discount incentive for making all on time payments. The manager on the phone has verbally agreed that it looks like their company made a mistake but they will not reverse the interest rate and will not fix the problem.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX / XXXX / {$0.00} AXXXX / XXXX / {$4400.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2022-02-01
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)

On XX/XX/2021 I received a copy of my consumers reporting file and noticed a tradeline reporting that I never authorized.. I filed a police report and was told to contact all reporting agencies to notify them of all fraudulent accounts and activities. I've spent countless hours and days gathering all the proper documents.. per 15 U.S Code 1681c-2 these fraudulent accounts Account Name XXXX XXXX XXXX XXXX XXXX XXXX , are to be blocked and cease to be reporting on my consumer file
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (PA)

I received a letter from Comenity Capital Bank in XXXX, OH that I had been denied an XXXX XXXX credit card. The letter was dated XX/XX/2022 and I received the letter XX/XX/2022. 

I NEVER APPLIED for this card.