davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2023-05-05
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. (MA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-03-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MIDFIRST BANK (IL)

Doing my loan modification with my mortgage company Midland Morgage, I was told by countless representatives from Midland Morgage that while I was going to the loan modification that that there would be no late payments reported to the credit bureau I spoke to representatives from Midland Morgage XXXX XX/XX/2022 rep number XXXX. XXXX rep # XXXX XX/XX/2022 XXXX representatives # XXXX XX/XX/2022. XXXX representatives # XXXX XX/XX/XXXX. Which resulted into five late payments on my credit report. Being told by Midland mortgage representatives, one thing, and having the told opposite happened is financially crippling their incompetence about what to do. The consumer is being left out in the cold, without knowing what to do. 

Thanks
Consumer complaint received 2023-03-10
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: CREDIT ACCEPTANCE CORPORATION (AL)

In Accordance with The Fair Credit Reporting Act XXXX  Accounts # XXXX ; # XXXX and XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
Consumer complaint received 2023-05-05
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. (WI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-05-05
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (AZ)

Care Credit Synchrony Bank, I applied and was accepted for 0 % interest in XXXX. I already had an account for years but they closed it and never notified me. The only reason I applied was to get my account back and a 0 % offer. 

I was approved and used the card and was charged 14.9 %!!! Synchrony Bank would not help me, claimed it was the providers fault. The provider said they used 0 % and told me Synchrony Bank would not help at all and correct the huge error that was not the providers or my fault.

I would have never applied or used any card that was 14.9 %. Never. 

Then they made my payment due right away and didn't notify me. Reported a late payment and charged interest multiple times. I will never use Care Credit again. This hard inquiry cost me lowered points on my credit score that I work hard for!! I feel like this was a total scam. 

I want the card and interest rate rescinded and my credit score restored to what it was prior to applying. I had a drop in like XXXX points!!! Thank you.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/XXXX I called care credit to inquire about " card security '' fees. I signed up for care credit in XXXX and never have authorized this card security fee. I asked the representative on the phone if she could pull to where I signed up for this with an written authorization and signature and she said I signed up for it online on XXXX with my application however I do not recall this. 

I noticed it today because my autopay is on and I signed in and my amount charged for services has NOT gone down because of these fees! Every month I am paying and it is not doing anything because of this card security fee I did NOT sign up for! 

The representative said she could cancel the card security fee immediately and issue a refund of {$150.00} however there are over {$600.00} in these card security fees spanning XXXX as XXXX I had {$320.00} and for XXXX {$13.00}. She said they were only able to refund the {$150.00} and that I couldnt do anything more to request the full amount to be refunded. I am unable to see the XXXX fees because my statements do not go that far back. This does not help all the other months of charges that were wrongfully charged and scammed me I asked if she could escalate this to get these fees refunded and removed. I am officially making a complaint because this company did not get my authorization to sign up for the card security fee via a signed signature or written statement. If I had not logged in to check i would have never noticed. This is a scam and I do know this company has lawsuits regarding this. I want the full amount refunded.
Consumer complaint received 2023-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mutual Management Services LLC (FL)

In XXXX I was a victim of identity theft and they opened an account with treasures on the bay. I have already sent letters from the FTC, I have called them and I have explained that this account was not opened with my authorization. Unfortunately, in my physical condition, I can not report to a police station because I have XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For this reason, under the FCRA laws that protect me as a consumer, I need XXXX XXXX Bank to delete that account from my credit profile. Thank you, XXXX XXXX
Consumer complaint received 2023-05-17
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: OneMain Finance Corporation (SC)

Onemain Financial has shown up on my credit report as hard inquiries multiple times to include as far back as XX/XX/2021. One address is local in my town of XXXX, SC XXXX which I called and was spoken to very rude and Inappropriately. The other one is out of XXXX, IN which I tried calling and got disconnected or hung up on. Attached is information to include emails I sent and their responses.
Consumer complaint received 2023-03-10
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. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. there is some inaccurate information reporting. 
DPT ED/XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
DPT ED/XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please remove it from my credit report. 
10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.

12. The following status is incorrect and incomplete XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

Hello, I find some descrepancies with my credit reporting. 

In accordance with the fair credit reporting act, this creditor has violated my rights. 
Under 15USC1681 section 602 states, I have the right to privacy.

15USC1681 section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Company name : XXXX XXXX 
I do not remember the exact date that I called them but I very positive that I had called them back in XXXX and while the issue was resolved immediately, the derogatory remarks stayed on my report. I lastly called them last month XXXX, XXXX.
Consumer complaint received 2023-03-10
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. (MN)

Hello, I find some descrepancies with my credit reporting. 

In accordance with the fair credit reporting act, this creditor has violated my rights. 
Under 15USC1681 section 602 states, I have the right to privacy.

15USC1681 section 604A, section 2, it also states a consumer reporting agency can not furnish an account without my written instruction.

Under 15USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Company name : XXXX XXXX 
I do not remember the exact date that I called them but I very positive that I had called them back in XXXX and while the issue was resolved immediately, the derogatory remarks stayed on my report. I lastly called them last month XXXX, XXXX.
Consumer complaint received 2023-02-02
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. (CT)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-05
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 submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-05
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. (TN)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$30000.00}, XXXX  XXXX XXXX Balance : {$1000.00}, XXXX  XXXX XXXX Balance : {$690.00}, XXXX XXXX  XXXX Balance : {$3600.00}
Consumer complaint received 2023-05-05
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)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} U S DEPT OF EDXXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX Balance XXXX {$120.00} XXXX XXXX  XXXX XXXX XXXX : {$100.00} US DEPARTMENT OF EDU XXXX XXXX : {$4000.00} US DEPARTMENT OF EDU XXXX XXXX : {$3400.00} US DEPARTMENT OF EDU XXXX XXXX : {$3700.00} US DEPARTMENT OF EDU XXXX XXXX : {$2100.00} US DEPARTMENT OF EDU XXXX XXXX : {$5300.00} U S DEPT OF EDXXXX XXXX XXXX : {$2100.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

I am requesting assistance with my dispute with JP Morgan Chase regarding fraud. I vehemently deny authorizing any of the following activity on my bank accounts ; however, the bank is refusing to reimburse my funds. I have taken the following steps to resolve this issue and prove to Chase that I was a victim of fraud : I realized my account had been compromised after logging into my online account on XX/XX/XXXX. My checking and savings accounts were drained by unauthorized transactions. In regards to my savings account, an unauthorized transfer of {$4700.00} was made to my checking account. In regards to my checking account, {$5400.00} worth of unauthorized transactions were allowed to occur by my bank. I immediately called my bank on XX/XX/XXXX, to report the fraudulent activity on my accounts. 

The Chase representative then opened a dispute on my behalf and stated I should hear from them within 10 business days. 
The Chase fraud department also locked my accounts and created a new username and password for online banking. The associate instructed a new debit card would be sent to me. When I asked the bank associate if I need to call the police, I was told no. The bank stated law enforcement would merely call them. 

I took it upon myself to make an identity theft report with the Federal Trade Commission and place a security freeze on my credit report the very same day. 
I also changed my email passwords and enabled 2-step authentication. 

On XX/XX/XXXX I visited my local Chase bank to close accounts and speak to a banker about fraud resolution. I informed the banker of the steps I have taken thus far and asked for further directions or guidance related to the fraud. I was only told that an investigation was taking place and I should be reimbursed within 10 business days. The banker confiscated my debit card to destroy, then created a new checking and savings account. 

On XX/XX/XXXX, I called the fraud department to check on the status of the investigation. I was informed that Chase closed my dispute because they believed the transactions were authorized. I escalated the call to a supervisor who informed me they would re-open the dispute and re-investigate the claim, and I would hear back from them in 3-5 business days. On XX/XX/XXXX, I sent through Chase online secure messages a request for any and all documents relied upon to make the decision not to reimburse me for the unauthorized transactions. On XX/XX/XXXX, I sent a copy of the Identity Theft Report made with the Federal Trade Commision as well as proof of the placement of a security freeze on my credit reports. I am still waiting on their decision ; however if you can offer any further advice or support regarding this issue it would be greatly appreciated.
Consumer complaint received 2023-05-05
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. (TX)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021