davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

XX/XX/2017, XX/XX/2017 an XX/XX/2017 hard inquiries were made on my credit report through XXXX credit ( no store credit card was approved ) an never removed from my report .by Syncb/walmart XXXX XXXX FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXXXXXX XXXX declined my application for financing the purchase of a new phone solely because I have another account with them. Earlier this year I purchased a XXXX phone using their promotional incentives Even though that account is many months ahead of current. I wish to file a complaint in that it precludes me from taking advantage of the offers otherwise available to XXXX customers including the trade in of my XXXX and the add-ons for the XXXX. 

Moreover, XXXXXXXX XXXX has been unresponsive in resolving this issue.
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Yesterday, XX/XX/XXXX at approximately XXXX, I used my ATM card ( Chase Bank ) to deposit {$60.00} into my personal checking account ( ensuring, that my check # XXXX in the amount of {$59.00} " cleared '' ). However, I learned that my account was unlawfully in the negative leaving a - {$43.00}. Previously, I have informed the Chase Bank representatives and Manager in the Collection Department to CEASE and DESIST their unlawful and discriminatory practices concerning my personal checking account ( monies ) ; however, their unlawful practices towards me and my personal checking account have continued. I spoke " again '' with the Chase Bank Collection Department Manager, Supervisor 's and Representatives requesting, that they CEASE AND DESIST any and all withdrawals from my " personal '' checking account ( to pay for another consumers issue 's with them ). However, the Chase Bank Representative 's REFUSE to comply ; therefore, violating the XXXX Compliance Guide for Banking and my CIVIL RIGHTS ( based on my previous complaints and my XXXX status ). I am " again '' requesting ( via this complaint ) that Chase Bank REFUND all of my monies unlawfully deducted from my personal checking account ( transferred for another consumers debt with them ). All supporting documentation will be faxed to the CFPB. Any and all personal and private information accompanying this complaint is to be kept with the CFPB and is NOT to be published or sold by Chase Bank or their subsidiaries!
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America refused to honor a check for {$1200.00} to a vendor. They said the check appeared to be " counterfeit, '' despite it being very legible, written and signed by the same person, and had no issues that they could identify. 

The vendor relied on the check and paid other bills. When the check was dishonored, he ended up with multiple fees for bounced checks on his account. 

Multiple calls to Bank of America customer service produced no results. They refused to honor the check and refused to refund the resulting bounced check fees for the vendor ( we were both BOA customers ). 

I deal with half a dozen banks on a weekly basis, and some are certainly better than others, but BOA has absolutely the worst customer service I have experienced in many years.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (OR)

Evbyen though I have called the company aaboout adverse report on the credit bureaus records for XXXX and they have the records that my account was paid in full ( {$780.00} ) by XXXX ending in XXXX in XX/XX/XXXX, they now are reporting I have an account balance of over {$4000.00}. This account was closed at the time of the payoff. By the way, the product and services were inferior which is why I ended the business relationship in XXXX. I spoke to a XXXX after being transferred by XXXX at XXXX.The account was handled by XXXX XXXX which no longer handles XXXX collections . The account went to claim also collections because I was hospitalized.I am also countering a XXXX XXXX Walmart Credit card account XXXX with a {$500.00} limit which was paid off and account closed in XX/XX/XXXX. through XXXX XXXX XXXX. The confirmation number is XXXX through employeee XXXX XXXX. 

Please correct adverse credit report info. I am enclosing copies of the XXXX XXXX documents. There are no charge offs on these accounts.
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$3300.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Consumer complaint received 2018-07-15
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: M&T BANK CORPORATION (NY)

I had a checking account with this bank that was closed and brought to a XXXX   balance before it was closed. Theyre reporting it as a charge off on my credit report, not only that but they fraudulently ran my credit without any authorization for any type of loan or extension of credit. I wasnt even living in a state they do business in at the time! I tried to get answers and all I got was the run around from them and no one could seem to answer my questions.
Consumer complaint received 2018-07-14
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. (NY)

To whom it may concern, I am being hit with ( 2 ) hard inquiry on on XX/XX/2018 and XX/XX/2018 from XXXX XXXXXXXX which was not made be me and was 100 % fraud. This was not authorized by me. I called XXXX XXXXXXXX regarding this fraud and they put on with there higher representatives. 

I was told this was gon na be removed from my file and now months later I still see it on file. Again this was not made by me and I can answer any security questions about myself to prove that I am myself.
Consumer complaint received 2018-07-14
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: EQUIFAX, INC. (NV)

When trying to obtain my credit report information on line I am given one question that asks about what bank did I open a debit card account at and I have never opened a account at any of the banks listed. I then check none and go to the next question. The next question says that I have taken out a automobile loan and asks what are my monthly payments. I have no automobile loan and monthly payments. I the check the none as the response and hit submit. I then get a notification that my information is not available because Equifax information does not mach mine. Equifax gives a XXXX number to call but it will not work with cell phones and my landline is for local calls only and will not work for XXXX numbers.
Consumer complaint received 2018-06-01
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. (FL)

I was a victim of identity theft from my mother while she was living with me and stole all my information. I was trying to get her to make the payments but I have not been able to locate her or contact her. I have filed a police report, contacted the company, and placed a fraud alert on my credit report. The total amount of debt is around {$15000.00}.
Consumer complaint received 2018-06-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

the bureaus refused to investigate the fraud that XXXX XXXX is doing to its consumers which are unlawful, they added interest fees and charges, they said the interest rate will be one thing and add what they want i got a {$25.00} dollar interest charge with a {$0.00} balance, which is fraud, this account is reporting negative on my credit profile but i shouldnt be i paid them they didnt even add the payment to my accounts and closed my card .i am challenging the information they are reporting such as open dates, balanced owed closed date, payment history .These bureaus are supposed to by law report true on my credit profile but several not true things are reporting on this account and they refused to investigate XXXX XXXX AFTER I DISPUTED THE ACCOUNT TWICE, I RECEIVED NOTHING BUT VERIFY I SENT A METHOD OF VERIFICATION AND WAS IGNORED BY ALL 3 BUREAUS .THIS ACCOUNT INFORMATION IS INACCURATE, I SIGNED UP FOR THE PROTECTION PLAN WHICH STATED WHEN I LOST MY JOB IT WOULD COVER MY PAYMENTS WELL IT DIDN'T THEY SAID THEY CANCELED THE PLAN AND I WASN'T NOTIFY. THAN THEY JUST JACKED UP THE INTEREST RATE, THEY HAD CHARGES I DIDNT AUTHORIZE ON CARD AND WHEN I CALLED THEM THEY SAID OH WELL,
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (CA)

Dear Sir/Madam : My name is XXXX XXXX XXXX, and I thank the Consumer Financial Protection Bureau ( CFPB ) in its efforts to correct the wrong-doings of the collection agencies and credit information repositories. This is, may be, the only U.S. federal agency fighting on behalf of us the people. According to my friend and credit consultant, XXXX XXXX, occasionally you do a fine job. I suggest that you show our enemies, the debt collectors and credit reporting agencies, who the boss is here. Display your huge teeth and toughness to these no good, nefarious entities. 

This is a complaint I am filing against a debt collector who has violated the FDCPA, and may be even the FCRA rules and regulations. 

On XX/XX/XXXX, I sent a dispute letter requesting validation of an alleged debt to Hunter Warfield , Inc, a debt collection agency based in XXXX, Florida. To date I have received no response from them even though it has been way past the 30-day limit set by FCRA and FDCPA. I have proof of delivery ( on XX/XX/XXXX ) of my dispute communication to the above-mentioned debt collector. The derogatory, however, still remains on all 3 of my credit reports. The debt collectors in this country have no respect for the law nor do they fear any federal agency, including you the CFPB. The CFPB isn't tough enough with these scoundrels. The collection agencies are so cold-hearted and aggressive in their collection efforts that they make the XXXX and XXXX look almost like angels ; they are totally arrogant, unethical and dishonest. The people behind these collection agencies are very nasty people ; they violate the people's/debtors ' right every chance they get. 

Even the last name of this debt collector, XXXX XXXX, matches his aggressive, militant/warring like-manner of collecting debts. This guy XXXX XXXX must have come out from the wrong side of his mother ; he has no shame in showing his terrible face on his company website. Does he take pride in what he is doing? All debt collectors are like this scumbag XXXX XXXX, cold, heartless and compassionless. 
Who or what gives them the right and authority to do what they do? 

I humbly ask that you, the powerful federal agency, resolve this matter for me immediately as it is preventing me from obtaining credit and to move on with my life. 
Please order Hunter Warfield, Inc to delete the derogatory remark from all 3 of the credit reporting agencies pronto. 

Again, thank you very much.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This is not a duplicate dispute. This is a factual dispute in regards to XXXX XXXX 's reporting of the accounts opening date to XXXX, XXXX, and Equifax. XXXX has my opening date as XX/XX/XXXX ;  whereas, XXXX, and Equifax cites the opening date to be XX/XX/XXXX. This may be minor, but since it is inaccurate it can no longer be reported on my credit.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate dispute. This is a factual dispute in regards to XXXX XXXX 's reporting of the accounts opening date to Transunion, XXXX, and XXXX. Transunion has my opening date as XX/XX/XXXX ; whereas, XXXX, and XXXX cites the opening date to be XX/XX/XXXX. This may be minor, but since it is inaccurate it can no longer be reported on my credit.
Consumer complaint received 2018-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My loan was sold from XXXXXXXX XXXX XXXX to Carrington to which I was never informed, never sent any notices regarding changes to my loan and payments. I sent payments to XXXXXXXX XXXX XXXXXXXX and after 4 months I was finally told my payments were not being applied as my loan was no longer with XXXX XXXX  XXXX. I can not find any assignment recorded showing the loan was transferred yet Carrington claims now to be the servicer of the loan. When I reached out to Carrington they told me to submit documents which I did, during the time I was submitting documents and being reviewed for loss mitigation options, they proceed to file the Notice of Default and Notice of Trustee sale on my property despite that I was in an active loan modification review with them. Now I am facing a foreclosure on XX/XX/2018 and they denied me even though I have the income to make my payments and fully intend to keep my home at all costs. I was never assigned a single point of contact nor did Carrington ever attempt to reach out to me to offer assistance, I had to call them once I found out they were even my lender. My HBOR have been violated and I fully intend to seek legal action.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I requested that Transunion validate the bankruptcy this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. I was told by the U.S. bankruptcy court that they do not give information to credit bureaus.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This morning, I discovered incorrect accounts on my credit report, and I'm completely baffled as to why they are there. Ive always checked my credit report regularly, and now, suddenly, there are discrepancies. I tried refreshing the page, hoping it was a simple mistake, but nothing changed. These inaccuracies didnt disappear, and now XXXX XXXX feeling really XXXX. Please ensure the documents Ive submitted are reviewed carefully so I can put this nightmare behind me.
Consumer complaint received 2018-06-01
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: CITIBANK, N.A. (CA)

I looked into a loan from XXXX XXXX. Unbeknownst to me, they sent my inquiry to them out to several other companies. I have never heard of some of them. Out of 10 hard inquiries, I only know of one that I actually applied for.
Consumer complaint received 2018-07-13
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. (NC)

This is actually my second complaint against the Credit Reporting Agencies this year. I placed a dispute in as I am victim of Identity theft in XX/XX/XXXX via the mail and I received no response. I then went forth to upload direct into the CRA and sent the dispute via fax at the end of XX/XX/XXXX. The dispute was submitted with supporting documents on the basis of Fair Credit Reporting Act, Section 605b which states that a victim of identity theft that has accounts breached or established without proper authorization or benefit should be blocked in 4 days. I have attached the supporting documents to this complaint entry.
Consumer complaint received 2018-06-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Control Company, Inc. (CA)

To whom it may concern, I got a collection call from someone who had confirmed my XXXX   address at XXXX. She had told me that because my cell phone are code was XXXX that she thought I still lived in XXXX but had my XXXX address on file and asked me to confirm it. This had awoke my XXXX year old as well. Credit Control Sincerely XXXX XXXX
Consumer complaint received 2023-05-09
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. (IL)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 




5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2018-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (CA)

Dear CFPB Staff : I would like to remind you of a fact you are already well aware of : the collection agencies are arrogant, refuse to follow the law and they respect no authority. They feel they are above the law despite paying out millions in fines and court-costs. 

This is my story about how dirty the collection agencies are. 

On XX/XX/XXXX, I disputed, via Certified-Mail with Return Receipt, a XXXX account in the amount of {$180.00} with XXXX XXXX XXXX, XXXX, of XXXX, XXXX. I have proof, via the tracking number and the signed returned receipt, that XXXX XXXX received my communication on XX/XX/XXXX. I did not receive any response from them, and in about 3 weeks or so the derogatory was gone from my credit report. I was, of course, very elated. 

Here comes the bad part, at least to me. About a week ago I saw, with great shock, the same XXXX collection account appear on my XXXX credit report under a different collection agency name. Then about 2 days ago it appeared on my XXXX credit report too. The new collection agency is : XXXX XXXX : XXXX, based in XXXX, XXXX. Can you believe that? How dare they do this? This is a blatant and flagrant violation of the FCRA and FDCPA. Since the original collection agency could not collect on the 'fake ' debt they sold it to another collection agency. This new collection agency, XXXX XXXX, lied by stating that the last activity was XX/XX/XXXX. This is a blatant lie. 

I am kindly requesting you, the Consumer Financial Protection Bureau to help me in this matter. Tell them sternly that both the above collection agencies broke the law by their actions. Please order XXXX XXXX to delete the derogatory account from my XXXX and XXXX  credit reports immediately. Show them some teeth and some authority. Let them know who is charge here. You are the federal agency ; you wield plenty of power. You know how dirty and unethical these collection agencies are. The people running collection agencies have no heart or compassion. They are quite XXXX people you know. 

I thank you, CFPB, in advance your time and effort in this matter. 

I remain.