davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

I have had a long-standing dispute with XXXX XXXX over my Guitar Center credit card ( account number ending in XXXX ). In XX/XX/XXXX I filed a complaint with you. Please refer to CFPB case no. XXXX. This case is NOT closed to my satisfaction. Synchrony continues to overcharge an account that to my best knowledge and ability should be paid in full. I don't know where the discrepancy originated, but one problem is that Synchrony has records of only three refunded purchases whereas I actually had five. Oddly, both Synchrony and I have records of my account activity, records we both say are directly from Guitar Center. But Synchrony 's are missing one purchase and two returns. And I must add, my GC records predate Synchrony 's by about two years. Yes, I have copies of all these, which were handed to me -- twice in XX/XX/XXXX -- by a GC manager after he researched my entire account activity on his system. On my two visits to this store, in XXXX and XX/XX/XXXX, I was given all of my GC account information -- in hard-copy documents, including transaction numbers, dates, and both purchase and refund amounts -- and this information was consistent to the penny both times ( accounting for my intervening payments ).  Most important, this information also accorded with my own knowledge of what purchases and returns I had made. So, based on this information, I continued making payments on this account until the balance GC showed me was paid. 

Somewhere, somehow, the communication between Guitar Center and Synchrony has failed to accurately track my purchase and return activity. Synchrony refuses to consider this possibility and stands by its own flawed record. 

Now, what's worse, Synchrony has turned my account over to a debt collector, and the reports of delinquency sent to the credit bureaus has made my XXXX credit score plummet from over 800 to XXXX! It is not fair that a financial institution can so easily destroy my financial life while I seem to have no recourse. If this matter involved thousands of dollars, instead of hundreds, I would file a suit against Synchrony, but as it is, that would not be financially practical for me. 

I would just like to point out that, if our situations were reversed and I was the one with a record of only three refunds while Synchrony showed five, NO ONE would reasonably claim that I was likely to possess the more accurate account of the two! The obvious question should be, Where did the other two transactions come from if they're present in only one set of records? And yet Synchrony has made no attempt that I can tell to address this question.
Consumer complaint received 2018-04-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank accepted via a photo-deposit transaction two Cashier 's Checks, one for {$22000.00} and one for {$7000.00}. Both were written as " Pay to the Order of : XXXX XXXX XXXX ''. Both checks were endorsed improperly, hand-signed by XXXX XXXX XXXX and then photo-deposited into his personal bank account at Huntington. The money was then withdrawn and stolen from the company. Huntington says the checks were " properly endorsed '' and that they did nothing wrong. My research says that Huntington should never have allowed the checks to be processed without a full and complete endorsement by the Company itself, and they arguably also should not have allowed the clearly-worded commercial-payee checks to be deposited into his personal account. Huntington has  come up with all kinds of excuses for justifying their actions but the situation remains that the endorsement on both Cashier 's Checks was never completed in the name of the payee, which should have caused both checks to be refused for deposit. The XXXX makes this quite clear. For its error, Huntington owes the construction company the {$29000.00} that it never should have let through the system.
Consumer complaint received 2018-04-03
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. (DC)

I have submitted several requests to please remove items that were fraudulent on my credit report from identity theft however the same reports continues to show on my credit report I have been submitting since 2015 when I actually began to evaluate my credit they also continue to keep out date and closed reports as well
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

Fraudulent activity was the only account which they closed it and sold it within 30 days I have never been late when I was aware of the situation I paid it in full credit report is reading failed to pay still two years later which is completely wrong credit once if theyre not reporting this I sent them another letter the other day I have sent him several and they said it would be removed they sold the debt debt collector shows it painful I do not have all the information about the fraudulent activity as XXXX XXXX does
Consumer complaint received 2018-02-17
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: ENCORE CAPITAL GROUP INC. (CA)

I have contacted the collection company and both Credit companys Regarding the error on my credit report. I do not recognize this account or ever have an account and since they clearly do not display with the original creditor was on the file I have no idea on how to look into it further. This grossly inaccurate negative account destroyed my credit and neither credit company is following the law along with the collection company by just plain accurate information outlined by the FCRA.
Consumer complaint received 2018-12-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I lost my job a year ago and also fell ill, i could not make payments so home went into foreclosure. VA felt my illness was just bad health, i was getting worse and they wanted to hospitalize me but i refused, last visit i mention this to my new provider and he noticed something so he prescribed antibiotics. It turns out i had an XXXX that was causing the XXXX  XXXX XXXX, XXXX XXXX, XXXX problems, etc. During this illness i files for chapter XXXX but was dismissed due to filling out income incorrectly, i filed pro se and was not able to find legal assistance. I corrected the forms and refiled but was denied because i did not pay for the first filing, even though i had no income. 
My foreclosure sale was scheduled for the XX/XX/XXXX and my only hope was to file chapter XXXX, but i had to pay for all filings which was ~XXXX. I had just started working part time since i was recovering. 

i filed on XX/XX/2018, well in advance of the foreclosure sale in 6 days. I calles wells fargo on the XX/XX/XXXX to work on a payment plan and was told sale went through but notation on account stated they were going to rescind sale. It turns out foreclosure trustee denied to reverse the sale because this was the 3 bankruptcy but there was a stay in effect and a chapter XXXX is treated differently than a chapter XXXX.Foreclosure trustee is supposed to be a neutral participant and this was clearly not the case. Wells fargo is the servicer not the lender, i dont believe they had the right to foreclose on my house.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

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  account # XXXX I looked at my Equifax credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to 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 2018-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX at XXXX ; XXXX pm called XXXX XXXX XXXX XXXX to pay off an outstanding charge off that continue to report 90 days late monthly to Transunion, XXXX XXXX XXXX. I was notified by the representative that this account can not be paid to XXXX because they no longer own the account. I asked when was the account sold and was told back in XXXX. My next question was should this account then be reporting a zero balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, XXXX is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XXXX after it was charged off. After concluding the called TransUnion and spoke to XXXX to initiate a dispute regarding this XXXX account. I stated that XXXX should be reporting a zero balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX by speaking with XXXX at XXXX pm. Lastly, I initiated a dispute with XXXX at XXXX pm with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the XXXX XXXX XXXX was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a zero balance and sold or transferred to another lender it was. At XXXX pm I contacted XXXX XXXX XXXX XXXX again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that XXXX can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that XXXX XXXX XXXX provided an inaccurate verification of the debt to the XXXX major credit reporting agencies.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me XXXX  on why and how this happened.
Consumer complaint received 2018-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NV)

ERC had been contacted along with their client ( XXXX ) on numerous occasions in attempt to resolve this issue, but my efforts have been all but ignored and this false negative report is and has prevented me from getting the needed credit and FICO score to obtain any new credit for me personally or my business. Now this is and has been leading to ongoing losses in my business and personal life.
Consumer complaint received 2018-04-03
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Caliber Home Loans, Inc. (PA)

On XX/XX/XXXX I entered a signed agreement with XXXX XXXX XXXX ( XXXX. ) to represent me in a loan modification program to avoid foreclosure. In this agreement I had to make ( 4 ) four scheduled payments of {$970.00}. Three of four were paid via e-checks. The fourth payment was stopped due to the fact I received my notice of foreclosure from XXXX County PA.Sheriffs Department on XX/XX/XXXX. On this same day I agreed to enter a signed petition under the XXXX County Residential Foreclosure Diversion Program. I have already attended one Conciliation/Case Management Conference with legal counsel XXXX XXXX. The conference was scheduled for XX/XX/XXXX. At this time the plaintiff XXXX XXXX XXXX XXXX had counsel present who requested my proof of income and banking statements for three months. The next conference is scheduled for XX/XX/XXXX Based upon the aforementioned facts XXXX has failed to provide any services to avoid foreclosure. After they discovered the final payment was stopped because I was served with a foreclosure notice. XXXX immediately claimed they got me approved for a temporary trial loan modification of {$1100.00} for ( 3 ) months and no guarantee for a permanent modification or an amount. At this point my attorney agrees that XXXX. is just providing false hope of staying in my home while paying a collection agency known as Caliber. The courts have never been notified of any loan modification temporary or otherwise. Therefore, it is my contention that XXXX. has not provided the necessary services to avoid a foreclosure or Restructure my Mortgage '' as they claimed would be the case in Pennsylvania. Furthermore, they provided documents proving that they are merely assisting the Caliber collection agency to gather three payments of {$1100.00} starting XX/XX/XXXX. Caliber also states that foreclosure would be suspended however XXXX County Court has no knowledge of any legal agreement therefore my home continues to be in a foreclosure status and currently involved in the XXXX County Residential Foreclosure Diversion Program.
Consumer complaint received 2018-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have several inquiries on my credit report that I do not recognize. I have been a victim of identity theft in the past, so this isn't a surprise to me. But these inquires must be removed. 

None of the companies have responded to my requests for removal, neither have the credit agencies
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I have submitted multiple disputes that have gone unanswered. There are late payments on my credit report that are inaccurate. Please assist me in removing these erroneous late payments.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Equifax Information Services LLC. is reporting within my credit file inaccurate/incorrect information. Although the company only has three ( 3 ) accounts listed on my entire file, they also report seven ( 7 ) negative accounts within my file. After completing a thorough investigation of all categories of accounts such as " revolving '', " mortgage '', " installments '', and " other accounts '' there are only three accounts listed, which contradicts their claim that states I have seven negative accounts within my credit report, as being reported not them.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

I am writing to formally request the immediate blocking and deletion of the following account from my credit report, as I am a victim of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of unauthorized or fraudulent information from my credit file. 
Account to be blocked and deleted : XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$570.00} Inquiries to be blocked and deleted : XXXX  XXXX Date of Inquiry : XX/XX/XXXX
Consumer complaint received 2018-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC (ID)

ACCELERATED FINANCIAL SO XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This company contacted me twice claiming to be a legal " skip tracing service '' in XX/XX/XXXX and XX/XX/XXXX. 

They expressed that they were attempting to collect a debt on behalf of XXXX ( when I returned the call. 

I expressed to them very clearly that I have not had XXXX service since early in XXXX, 12 years ago. They expressed that they purchased this debt. 

I neither owe, nor recognize any debt to this company or XXXX. I was paid off with them when I closed my account in XXXX. 

Further, upon request for information to be sent to me about this debt, I was refused. 

This company has gone as far as to file this as a negative on my credit report. I am disputing this with the credit companies currently as a fraud. 

Per my understanding 1 statute of limitations for collections is 4 years and statute of limitation for credit reporting is 7. Even if this was valid, it would fall well beyond both of these. 

I am further concerned that I was unable to receive ANY written documentation from them when requested yet they had no issue placing this on my credit report.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to request the immediate blocking and deletion of fraudulent accounts on my credit report, as I am a victim of a recent data breach and identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any fraudulent accounts removed from my credit report. 
The following accounts were not opened by me and were added to my credit report without my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.
Consumer complaint received 2018-04-03
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: WAKEFIELD & ASSOCIATES, INC. (CA)

In XX/XX/XXXXi filed a dispute for a collection Wakefield Associates amount {$1100.00} medical bill original {$950.00} they continue adding intrest dont know if they can legally do that over 200 more how can that be In XX/XX/XXXX this account just showed up on my XXXX and XXXX  reports There investigation states Meets FCRA requirements right there is a violation under FCRA for not sending a collection letter of debt validation to consumer giving all info from original company and for consumer to respond within 30 days to validate debt before placing a collection to the bureaus I had been working with a credit repair company which didnt benefit me at all From XX/XX/XXXX to XX/XX/XXXX This company is showing placed for collection XX/XX/XXXX so why did they place a negative account 7 months later Nor did i receive any phone calls I sent a letter asking to validate debtXX/XX/XXXX no response within 30 days I no theres new reporting laws for medical bills with the credit bureaus This should be deleted as the company seem to fall under fcra violations for debt validation Reporting in accurate again it does not meet the requirements
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a utility account XXXX with a balance of {$430.00}. As well as an address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681s-2 ( a ) **, any information reported must be accurate.