davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NY)

Recently, I tried to open a checking and saving account at XXXX XXXX XXXX after refinancing my car loan with them. 

And my account representative, XXXX XXXX was able to open a saving account for me. But, she could not open a checking account for me, because another bank reported me to the XXXX XXXX credit union. 

The Problem is with a previous account that i had with People 's United Bank.

The Bank reported that i did account abuse. 

I think that it is inaccurate. As far as i remember, I had some overdraft charges on their checking account that i opened. And i disputed some of the charges with them. 

There were too many overdraft charges, and i asked the bank to close my account. 

When i was closing the account, there was an overdraft charge on my account that was supposed to be waived by the bank. Because i spoke with customer service and resolved the problem. 

I can not remember the full account number. The account ends with XXXX with routing number XXXX I try to avoid overdraft charges. 

And i have two other checking accounts with XXXX XXXX  and XXXX  XXXX XXXX
Consumer complaint received 2020-04-26
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. (TX)

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. 

sent ftc violation 3 months ago XXXX XXXX
Consumer complaint received 2020-04-26
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. (NJ)

On XX/XX/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX XXXX - XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account was verified as mines, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supoorting documentation proving and showing inaccuracies for the negative account XXXX XXXX. 

Now to get to the nature of my dispute XXXX XXXX 1. Reporting 3 different payment status to all 3 Bureaus 2. Reporting 3 different Past Due amounts. XXXX- {$5800.00}, XXXX {$0.00}, EQF- {$5300.00} 3. Reporting 3 different Balance amount, XXXX-5836, XXXX- {$0.00}, EQF- {$5800.00} 4. Date of lasy payment is not the same across the 3 Credit Bureaus. 

By looking at the documentation I submitted a these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying ACCOUNT BELONGS TO ME, WHICH WAS NOT MY DISPUTE. A FURNISHER CAN NOT FURNISH 3 DIFFERENT VERSION OF SUPPOSEDLY THE SAME ACCOUNT TO THE3 BUREAUS Its obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I sent them
Consumer complaint received 2020-04-26
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. (TX)

Experian continually refuses to follow the Applicable laws put in place from the FCRA and the FCBA. I am a victim of identity theft, I have attached a FTC Identity Theft Affidavit, Which describes the crime in Detail. Experian refuses to accept the FTC Identity Theft affidavit, because they have advised that XXXX XXXX  is their " Vendor '' and that they must " Side with their Vendor '' There is a credit card account that is showing as charged off on my credit report, Which has already been reported to Experian as Identity Theft. Experian, Refuses to block this account, and say they conduct a " Investigation '' Which they don't actually conduct. The company XXXX XXXX XXXX XXXX has advised me that this credit card which was opened on XX/XX/2015. Was sent to an address of XXXX XXXX XXXX XXXX, TX XXXX. This is an address I HAVE NEVER lived at. The company closed the card and changed the card number, which then in return Experian Re added the card to my credit file. This is still identity theft. I do not know who received, and or used the card. I have reached out to XXXX XXXX XXXX many times, Their Evidence is not up to par. They state they received a receipt which the company explains I applied for the card, Yet they haven't been able to provide proof of said false accusation. I do not believe Experian is following the applicable laws to protect victims of identity theft. They sent me a letter advising me to provide a valid FTC Identity Theft Report, containing a number that is signed under perjury before they will block the account. Yet, The report I have been sending them is A VALID FTC Identity Theft Report, and IT IS signed under perjury. Again. I did not authorize this account to be open, and you continually add it to my credit file because this is your VENDOR. I do not care if this is your vendor or not, This account is illegal and reporting illegal, No card was ever received in my possession. The Card was  received, and charged from a identity thieve. I did not authorize anyone to use it, and I never even registered on their website. They advised me the email was XXXX which was found on the dark web from experian.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (VA)

To whom it may concern, I am extremely disappointed. I have tried several times to release the freezeon my credit report with Experian, as I have done numeroustimes before but the systemwouldnot allow me to release the freeze. Nothing has changedwith my information, address, social security number, birth date or anything so there is nota reason that I should not be able to release the freeze. So, I triedto call to see if I get get some assistanceover the phone and had no such luck. All the representativewould tell me is that I needed a pin number. Well XXXX, if I had the pin number perhaps I could have releasedit without having to call for assistance in the first place. I was able to release it before without a pin number. So that is all she kept telling me but I was never given a pin number and she could not give it to me over the phone or reset anything so I can gain access to my report, not even if I answered security questions. I understand the whole privacy concern but I could haveanswered any security questions. Instead she tells met that I have to send a copiesof documentation via US Mail, taking God only knows how many days to reach experian, let alone for the pin umber to get back to me get back to me so I can try again. I am trying to purchase my first home and do not need the added stress and delay.
Consumer complaint received 2020-04-26
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. (FL)

Source EXPERIAN Alert Date XX/XX/2020 Inquiry Date XX/XX/2020 NameXXXX XXXX XXXX XXXX   XXXX Phone ( XXXX ) XXXX Business Type XXXX Street AddressXXXX XXXX XXXX XXXX XXXX XXXX City XXXX State GA Zip XXXX WHY would SBA pull my credit report? I did not apply for a loan. And, good luck getting through to them now.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

My wife and I froze our credit back in 2017 after the widely reported data breach. We were easily able to unfreeze XXXX and XXXX, but trying to get XXXX to unfreeze has been incredibly complicated. 

We try to reset our PINs, but the PINs they provide don't work for the online service. It is impossible to talk to a human on their customer service team. Their offices are open XXXX on M-F and my wife and I are both working right now. She's a XXXX  and does not have 30 minutes during the work day to sit on the phone with someone. During the COVID pandemic, they're still suggesting mailing several documents as the best approach. We don't have access to all the documents they suggest so we'd have to find a place to go and print which would violate our shelter in place guidelines. 

They are unable to verify my identity despite me entering all of the correct information online.
Consumer complaint received 2020-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

On XX/XX/XXXX I sent a formal notice to Fair Collections & Outsourcing that the account # XXXX claim was being disputed. On XX/XX/XXXX XXXX i received back a letter of Verification of the debt and an invoice. Upon further investigation on XX/XX/XXXX, I retained new copies of my credit reports, and noticed that Fair Collection & Outsourcing did not furnish the credit bureaus with the required disclosure, within the period required by law. which they are required by federal law to place a notice of dispute on my account within 30 days of my dispute. This account is inaccurate and i want it to be deleted immediately.
Consumer complaint received 2019-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NY)

EOS CCA is ignoring instruction from XXXX to remove a collection account that has already been proven the result of identity theft. XXXX has proven that they have continuously notified EOS CCA since XX/XX/XXXX that my account has been established as fraud and to withdraw this collection. I have repeatedly called EOS CCA throughout this week, and they continually refuse to acknowledge that their CONSUMER RELATIONS DEPT. has any receipt of instruction from XXXX to close the account. EOS CCA continues to pursue my payment of a debt that I do not owe and has long ago been established as fraud.
Consumer complaint received 2020-04-26
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: Fidelity National Information Services, Inc. (FNIS) (IL)

I submitted a dispute to ChexSystems in XXXX. I provided documentation showing that I did alert the fraud department of XXXX XXXX XXXX after I felt as though I was scammed. 
I emailed the conversation to myself just in case XXXX  XXXX XXXX alleged that it didn't happen, which they did. 

On XXXX I spoke to XXXX at checxsystems at XXXX XXXX she informed me of a website that I could submit the phone call. She then informed me that their website was not capable to receive it. I asked if there was an email that I could send it to to prove that I did contact XXXX  XXXX  XXXX. XXXX informed me that there was nothing she could do. 
It is very important that I submit all of the evidence that I have regardless of the format that it is in. I hoped that chexsystem would understand that evidence comes in various different forms. 
After their alleged reinvestigation they continue to report that I did not contact XXXX  XXXX XXXX fraud alert Department before they realized that the transaction was bad. this is very important because if there is proof that I contacted them it would show that I did not willingly attempt to defraud XXXX  XXXX XXXX.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I have written to Wells Fargo Mortgage three times requesting proof that that I my loan was paid for less than the full balance. All they do is to write me and say that I did not fully pay off the mortgage even though my balance is showing XXXX. They never sent me any pay history showing details ... .That is not sufficient proof. They should be providing copies of every monthly statement for the year XXXX.
Consumer complaint received 2020-04-26
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)

ftc violatons attached and listed FTC Approves Final Consent Order Against XXXX XXXX XXXX XXXX For Misleading Consumers About Cost of Cars SHARE THIS PAGE XXXX XXXX XXXX FOR YOUR INFORMATION XX/XX/2015 TAGS : deceptive/misleading conduct XXXX XXXX of Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX Consumer Protection Advertising and Marketing Following a public comment period, the Federal Trade Commission has approved final consent orders against XXXX XXXX XXXX auto dealers that misrepresented the cost of cars in advertising. 

In XX/XX/2015, XXXX XXXX XXXX, doing business as XXXX XXXX, and XXXX XXXX XXXX., d/b/a XXXX  XXXX, agreed to settle FTC charges that their ads included heavily discounted prices that were not generally available to consumers. 

The consent orders prohibit the dealers from misrepresenting the cost of financing or leasing a vehicle, stating the amount due at signing without disclosing certain lease terms, and failing to comply with Regulation M and the Consumer Leasing Act, and Regulation Z and the Truth in Lending Act. They are also prohibited from stating the amount or percentage of any down payment without disclosing repayment terms and the annual percentage rate. 

The Commission vote approving the final XXXX  XXXX and XXXX  XXXX consent orders was 5-0.

To learn more, read Buying & Owning A Car.

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.
Consumer complaint received 2020-04-26
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. (NV)

ftc violatons attached and listed FTC Approves Final Consent Order Against XXXX XXXX XXXX XXXX For Misleading Consumers About Cost of Cars SHARE THIS PAGE XXXX XXXX XXXX FOR YOUR INFORMATION XX/XX/2015 TAGS : deceptive/misleading conduct XXXX XXXX of Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX Consumer Protection Advertising and Marketing Following a public comment period, the Federal Trade Commission has approved final consent orders against two XXXX XXXX auto dealers that misrepresented the cost of cars in advertising. 

In XX/XX/2015, XXXX XXXX XXXX, doing business as XXXX  XXXX, and XXXX XXXX XXXX., d/b/a XXXX  XXXX, agreed to settle FTC charges that their ads included heavily discounted prices that were not generally available to consumers. 

The consent orders prohibit the dealers from misrepresenting the cost of financing or leasing a vehicle, stating the amount due at signing without disclosing certain lease terms, and failing to comply with Regulation M and the Consumer Leasing Act, and Regulation Z and the Truth in Lending Act. They are also prohibited from stating the amount or percentage of any down payment without disclosing repayment terms and the annual percentage rate. 

The Commission vote approving the final XXXX  XXXX and XXXX  XXXX consent orders was 5-0. 

To learn more, read Buying & Owning A Car.

The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.
Consumer complaint received 2020-04-26
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)

ftc violatons attached and listed FTC Approves Final Consent Order Against XXXX XXXX XXXX  XXXX For Misleading Consumers About Cost of Cars SHARE THIS PAGE XXXX XXXX XXXX FOR YOUR INFORMATION XX/XX/2015 TAGS : deceptive/misleading conduct XXXX XXXX of Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX Consumer Protection Advertising and Marketing Following a public comment period, the Federal Trade Commission has approved final consent orders against two XXXX XXXX auto dealers that misrepresented the cost of cars in advertising. 

In XX/XX/2015, XXXX XXXX XXXX, doing business as XXXX  XXXX, and XXXX XXXX XXXX., d/b/a XXXX XXXX, agreed to settle FTC charges that their ads included heavily discounted prices that were not generally available to consumers. 

The consent orders prohibit the dealers from misrepresenting the cost of financing or leasing a vehicle, stating the amount due at signing without disclosing certain lease terms, and failing to comply with Regulation M and the Consumer Leasing Act, and Regulation Z and the Truth in Lending Act. They are also prohibited from stating the amount or percentage of any down payment without disclosing repayment terms and the annual percentage rate. 

The Commission vote approving the final XXXX  XXXX and XXXX  XXXX consent orders was 5-0. 

To learn more, read Buying & Owning A Car. 
The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (PA)

n XXXX I applied for Mastercard business credit card at the Sams Club branch in XXXX. 
I got a reply from Synchrony Bank on XX/XX/XXXX ( attachment ) That my application was rejected because " My company name could not be verified '' A month later I went to the Sams club XXXX again and after checking all the data in the system I sent the application again. 
On XX/XX/XXXX I got the same answer " Unable to verify business name '' ( attachment ) I would like to add that I have a corporation Amazon 55 credit line and a JCP credit line at '' Synchrony Bank '' ( attachments ) I also have a Duns number and a credit business history in 'XXXX  XXXX  ' ( attachment ) It is not possible for a Synchrony Bank to don't finds My company name. ( everywhere My company is available on the internet. I also have several different credit cards from major American banks ) ( attachment ). 

I don't know why Bank Synchrony can't verify my name?? since I already have a credit line with them?? 
It doesn't make any sense to me. 
I talked a few times in the customer service about My case, but no one knows why and cant help Me I need to help with someone who can solve the problem.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I have 3 credit inquiries on my credit report from XXXX of 2019 from Capital One Bank. I do not have an account from them nor would I seek one. I would request that these inquires be removed from my credit report. These are affecting my credit score for an account that I do not even have.
Consumer complaint received 2020-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Because I believed that my credit score was good, I had not checked it for many years ( I can not even recall ever checking it. ) Knowing that I could get my credit score without incurring any charge, in XXXX of this year, I checked it with Transunion, XXXX  and XXXX. I did not sign up for any of their additional services. On my XXXX XXXX Visa statement/bill, there was a charge dated XX/XX/2020 by Transunion of {$24.00}. I was very surprised, not knowing what this charge was for. I looked at my previous statements and saw that I was also charged {$24.00} by Transunion the previous two months, on XX/XX/XXXX, the date I checked my credit score, and again on XX/XX/XXXX. Obviously, I should have checked my bills more closely and would have uncovered these charges earlier. On XX/XX/XXXX, I went on the Transunion web site and cancelled the subscription for which I had not requested but had been charged. Since their billing cycle is on the 16th of the month, and since I did not receive the current Visa statement until XX/XX/XXXX, I will receive another bill for {$24.00} in XXXX. 

I do not believe that what Transunion did to me was deceptive because deception would have required my agreeing to their service under their false pretenses. What Transunion did to me is to perpetrate a fraud. I did not agree to any of their services which would require any payments and I certainly never gave them my Visa number or permission to charge my Visa for anything. Since they have access to all my and my wife 's credit cards, they used it without my knowledge or authorization. I called them all day and numerous times on XX/XX/XXXX and XXXX and did not get through to anyone. I called XXXX and XXXX, the only numbers I could find, and received only their voice messages which said that " no one is currently available to take your call '' and " all representatives are still assisting other customers. Please hold for the next available representative. '' At one time I held for 45 minutes with no answer. 

Thank you for your time in reviewing this and ask that you treat them accordingly to their fraudulent actions and have them reimburse me {$99.00}. 

Sincerely,
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (NY)

I contacted JP Morgan Chase Bank Card Services and negotiated a settlement for a balance owed. I was also told the account would be deleted from my report once it was {$0.00} balance. I have waited and the account still exists.