davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX 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 im XXXXs n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXXXXXX XXXXt 2022 my password was stolen from PayPal credit. I contacted PayPal and filed a resolution immediately. In one hour they investigated it and said that i had always made money transfer to people over a XXXX . Never have i and my account verifies that. They will not help any further. Then with in 3 minutes my credit union was entered and hacked for three transaction for more than {$2400.00}. I had give no one my password or PayPal or my account numbers for my credit union. Synchrony Bank in Florida is the bank which provided the money to transfer funds and now wants me to reimburse them because the PayPal account had no funds in it. Now i might have lost almost {$5000.00} if they take me to court.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-01
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$520.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$630.00} XXXX XXXX   XXXX {$880.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX & XXXX XXXX  XXXX {$17000.00} XXXX/XXXX XXXX {$650.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XXXX XXXX {$140.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} USDOE/XXXX   XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$2500.00} USDOEXXXX XXXX {$7900.00} XXXX  XXXX XXXX {$300.00} XXXX XXXX XXXX {$620.00}
Consumer complaint received 2021-05-20
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: WELLS FARGO & COMPANY (GA)

I was used the cell phone app XXXX  on Saturday XXXX to make specific crypto rate purchases. Each time I attempted to process an order, it either timed out, indicated the rate I was asking for is no longer available, or indicated there was a problem with my card. I made 4 attempts and finally gave up. I confirmed with my Wells Fargo app there were 4 pending charges. I did call Wells Fargo to unlock my card because of the multiple attempts I had locked it.

Later that day I had another opportunity to buy a token at a specific rate but again, it timed out so I was discouraged to make any more purchases. 
Later that evening when I came back home I emailed XXXX about my app account but have yet to get a response back. I have attached that email. At the time I thought there were 4 charges for a specific crypto token. I only wanted to place one order. Informed both bank and crypto.com I did not want 3 of the 4 charges.

The following day, Sunday, I received messages on the cell phone app that all orders ( 5 ) were placed. I did not approve of those order and the rates for one of them was not what I placed originally. I called Wells Fargo to initially dispute all charges but clarified to only dispute one
charge which was over {$5000.00}. Why I am disputing that is because they fraudulently used my card without my approval Sunday. Also, the rate on the token they gave me was higher than what I was originally asking for Saturday.

I then called Wells Fargo and put in a dispute/fraud claim as that charge was not authorized.

They are " investigating '' right now and because it is a large amount, the High Dollar Department is looking into this. They have done their initial investigation and have denied the claim. Claiming Crypto.com received approval from me. On Saturday, yes, that specific moment when I tried to place my order, there was approval. But having the order placed on Sunday, no, that was not my approval. I have called Wells Fargo XXXX to expedite a call back from that department, hopefully, I can get a call within 24 hours but it may be until Monday as they are still investigating.

What they are investigating, I don't know? It's just one charge I need to be turned over because it was not approved by me. I have a feeling they will deny my request again but will wait patiently for a callback.
Consumer complaint received 2022-10-09
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: Experian Information Solutions Inc. (MO)

On XX/XX/2022, " XXXX XXXX '' reported a fraudulent inquiry to Experian which was not the result of any credit-seeking activity on my part. XXXX XXXX informed me this was from XXXX XXXX XXXX. XXXX XXXX XXXX informed me this was from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX informed me there was an error on their website which resulted in the inquiry being sent by mistake. She stated on XX/XX/2022 : " Thank you, XXXX. I will get this information over to XXXX XXXX so they can move forward with removing the inquiry. '' Experian at XXXX and XXXX repeatedly hang up on my relay calls and refuse to take any of my information to report the issue since XX/XX/2022 ( monthly IP relay call logs can be provided for this behavior ). Experian refuses to acknowledge the mail sent to them via USPS on XX/XX/2022 and XX/XX/2022 as no response has been received and no acknowledgement made. XXXX XXXX insists they were legitimate in fraudulently accessing my credit report when it was unauthorized. XXXX XXXX  has been unable or unwilling to take further action to resolve the problem. As a result, I am paying higher home insurance premiums because of this fraudulent access of my credit report and fraudulent inquiry made by some bogus website.
Consumer complaint received 2022-07-14
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX/ XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9100.00}, {$4700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9100.00} -This is not my account. 

-- CLOSED ACCOUNT -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2024-12-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (AL)

Spoke with this company asked to validate this debt and verify my name address and social security number which the social security number didnt match. I spoke to manager he told me no worries this was a common mistake of customers having the same name as me and the account was floating around went to collections and was tide to me because I shape the same name with other people two of which that lives in my state one in my city. Also went into a local XXXX  with my drivers license and social security number they told me I didnt have service and has never had there service. The collection agency said this account was opened in XXXX mind you my family of XXXX and myself have been with XXXX XXXX since XXXX. With XXXX lines. I have never had XXXX. While trying to verify at the local XXXX  store that I didnt have an account with them they proceeded to try and get me to switch from my current wireless phone company to theres. Now riddle me this how could I have a debt with them and be approved for service? Also this collection agency is not licensed to collect in my state anyway but they want to bribe me to pay a debt that clearly doesnt belong to me. I have also been a victim of identity theft but this is not the case. Because this comply does not have my social security number only a name of other people and I having the same name.
Consumer complaint received 2020-09-30
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 applied for a XXXX 's credit card a few weeks ago and I was not approved on the spot now today XX/XX/2020 I received a letter in the mail stating that the reason I was not approved was because there are many accounts and inquiries reflecting badly on my credit history. I had no idea what accounts they were referring to so I looked through my credit report and I saw several accounts that I never opened. The accounts are from a few different companies all of which I am not affiliated with in any way ; I have never signed any contract or agreement with any of the companies listed on this report nor did I ever give them permission to run or access my credit file. I did not benefit anything ( money, goods, services ) from these accounts that were opened without my permission and I did not make any payments towards any of these balances. I have already filed a police report regarding these suspicious accounts.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$3000.00}
Consumer complaint received 2022-09-26
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion had an incorrect item on my credit report. I signed up to XXXX website to dispute their mistake and they enrolled me in a $ XXXXmonth credit monitoring program without making that clear. I did not know I was enrolled in this until I got a receipt from my order. If there was a box for enrolling in this on the sign up page, I certainly did not click it. It must be an opt out system, which is incredibly crooked, especially considering I was creating an account to dispute their mistake. They essentially blackmailed me into paying {XXXX.
Consumer complaint received 2022-04-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Constar Financial Services, LLC (TX)

Due to covid I am experiencing extreme difficulties with this debt I was in an accident on XX/XX/XXXX XXXX where I was struck by a car on the driver side of my Vehicle. My car was deemed a total loss, my insurance was actively pursuing the car that hit me insurance until ally finical closed my account and has written the account off as profit loss. I have sent XXXX finical emails and letters to only get no response by the letters, no response by emails and to only to only get re directed to a 3rd party company by phone who now has my account for any answer in regards of my credit being affected and to pay off the account amount. Since XXXX has written the account off as a profit loss they will not respond to be me and will not teat me like a customer I was before. I have paid my car note on time regardless of the car being totaled loss every month until my account was closed as profit loss by XXXX When I contacted the 3rd party company Constar finical, they insisted that they could not speak to me in regards of my credit and that I needed to pay them the remining balance. They offered me a settlement and told me that I needed to pay the settlement in order settle my account with ally. I have been trying to contact XXXX directly and keep getting re directed by them back to this 3rd party company that is demanding me to pay almost XXXX in a settlement. I have recently paid Constar finical on XX/XX/2022 amount {$500.00} and on XX/XX/XXXX, to Constar amount {$1000.00}. They have yet to send me any kind of receipt or email stating what I paid for nor the amount reflecting the changes. The only way I can see the payment is on ally finical account. I can not see the taxes or fees nor the contract of the settlement Constar finical has written or charge me. I then told them that I will need to set up different or smaller payment arrangements due to covid. Constar then told me my settlement would be voided and that the agreement would be off. Yet they continue to call but I am not allowed to speak with someone from ally in regards of my account being charged off and deemed a profit loss.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Every two months Experian drops my credit score by 25 point with absolutely no reason.

Since I expressed my objection numerous times, I have no choice but to look for help somewhere else.

Experian will not stop stop this practice on its own and refuses to provide any explanation of the situation.

After my written inquiry Experian always replies that it can't identify me and asks me to mail bunch of documents, which of course, would compromise the safety of my data. It will not provide me any answers anyway. After Experian drops my score by 25 points, I receive offers to increase my score by subscribing PAID service from Experian. This is extortion and should be considered criminal action. I am attaching the record of credit scores decreases as well as Experian offer to improve my score for cash. 

As per Experian website statement itself : 6 Reasons for credit score to drop Why Your Credit Scores May Have Dropped If you've noticed a drop in your credit scores, some common reasons might explain why : 1. You Have Late or Missed Payments- No, I didnt!

2. You Recently Applied for a Mortgage, Loan or New Credit Card- No, I didnt!

3. Your Credit Utilization Has Increased-No, it didnt!

4. One of Your Credit Limits Was Lowered-No, it wasnt. Only my  XXXX went down from XXXX, XXXX to XXXX limit, but it was already reflected on the report. Besides, your regular 25 points drops go way back past that time. 5. You Closed a Credit Card-No, I didnt 6. There Is Inaccurate Information on Your Credit Report-No, there is not. Unless you, Experian, input it there and I didnt catch it. So far I managed to correct all your misinformation. 7. You've Experienced a Major Event Such as a Foreclosure or Bankruptcy- No, I didnt.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (KY)

I have three store credit cards ( XXXX XXXX Musician 's Friend, and Ashley Furniture Home Store ) that are handled through Synchrony Bank. On XX/XX/XXXX, I logged into the mysychrony online portal to make a payment on all three accounts. Ashley Furniture was due on XX/XX/XXXX and the other two were due on XX/XX/XXXX. There are only two checking accounts associated with the portal ( my XXXX and my husband 's account ). On XXXX, XX/XX/XXXX I received an email that there was an issue with the banking information I provided. The information for my XXXX XXXX XXXX  was incorrect and the payments would be cancelled. I logged into the portal, but it showed the payments processing and again only showed the two checking accounts. On Monday, XX/XX/XXXX I received an email that the payments had been cancelled. All three accounts had a late fee charged. I spent over an hour trying to get this resolved, I did get the late fee waved, but no one knows what the issue is. I have never had XXXX XXXX XXXX  and neither has my husband. XXXX XXXX Bank is located in my hometown, XXXX hours away, and my parents have an account there. I have never had an account with XXXX XXXX XXXX. Furthermore, my parents do not have access to mysychrony and do not even know I have those XXXX store credit cards. I have no idea how Synchrony Bank got access to XXXX XXXX XXXX.