davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
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: DISCOVER BANK (TX)

Hello, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Consumer complaint received 2020-10-15
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. (GA)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect. 
Removal of all incorrect or outdated personal information being reported on my credit file.Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX and XX/XX/XXXX I ordered XXXX XXXX from XXXX and 1 month service. 
Capita

l one savor card had two charges {$100.00} which includes 2 XXXX XXXX and 1 month of service for each phone and {$50.00} 1 XXXX   and 1 month service. I received the XXXX XXXX but I could not get the phones activated after days of trying. I disputed the charge and they removed it. They  contacted XXXX and XXXX sent an email showing sim cards delivered. That is not disputed. 
I could not get the phones to work on XXXX  for the service. They sent me a letter saying I did not give enough information but I am unsure how to prove I don't have something. I asked them to reopen the dispute and the dispute dept told me they can do nothing it is regulation. I don't see how this is fair how do I prove that I don't have service? 
I filled out an online paperwork showing XXXXk charges XXXX cents plus the {$45.00} plus tax per unit. Savor keeps pointing at XXXX and XXXX has no one I can dispute this with. I called today and she said it was the end no one can do any more. I explained to savor I cant prove I dont have service because I dont have service. XXXX can track the XXXX XXXX and tell they have never had service. I dont understand why this is so hard. Savor asked for additional info proof but I have no proof that I have no service. Thanks
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (UT)

A representative from COMENITY bank called regarding my XXXX XXXX account being unpaid. I told the representative what I told previous callers - that I lost my job due to downsizing and outsourcing as a result from COVID 19, that I had only started working again, but at a significant reduction in pay, and that I could not commit to any payment arrangement without properly budgeting based on my new employment. At this point, the representative, " Specialist XXXX '', told me that they were turning my information over to a lawyer to sue me, and take the money owed. I told them that they couldn't do that, especially at my very reduced salary, and that I could commit to a regular payment once I was back on my feet. " Specialist XXXX '' said that that doesn't matter, and that she has no choice but to start legal proceedings, unless I pay an amount that I could not afford. 

As a side note, it was my understanding that companies could not use aggressive collections tactics at this time, due to COVID 19 related financial stressors. Please let me know if this is the case.
Consumer complaint received 2020-10-15
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. (SC)

Hey, hope life treating you wonderfully. Anyways Experian, XXXX   and XXXX  deleted some files off my credit report but about time my credit report updated. They put some items back on my credit report as a new item which hurt my credit. I just want everything in red reviewed and deleted off my credit report by next week. Thank you
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is stressing me out as my loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.
Consumer complaint received 2020-10-15
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: Sarma (TX)

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different  companies, including those I have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent credit disputes to all XXXX credit bureaus advising them to check the accuracy of my report and correct and or remove items, as they were aquired without my permission. On XX/XX/year> I put a cmplaint in with XXXX. This is my second time reporting this issues. I did file a police report.
Consumer complaint received 2020-10-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My issue is with new Rez / shell point mortgage servicing. Although my mortgage is currently now closed because I sold the home, at the end of XXXX I submitted a payment, however for some odd reason the payment was rejected by the bank. I received no notifications via email from either source. Furthermore, I hadnt received any notifications from the loan servicer in months. At the time it occurred, I had sufficient funds to pay the mortgage if I was notified. I found out by routinely checking online. Once I found out, I immediately schedule payment with a representative. My complaint is that the practice was unfair, not receiving any notice to react while having sufficient funds. Furthermore, I had never been late on my mortgage. Just after this reporting occurred my credit score dropped 70 points. I shared all of the documentation with the company and the impact and have been unwilling to make a change. I feel like this is a targeted practice being  a person of XXXX.
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have received multiple calls from Portfolio Recovery even though I told them to stop calling this number. Since I have told them to stop they have called me at least five times and the latest was a few minutes ago ( XX/XX/20 XXXX XXXX ).
Consumer complaint received 2020-10-15
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. (IL)

XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX fraudulent on my credit Account # XXXX
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I have contacted y'all claim center to dispute these items Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$78.00} Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$76.00} Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45.00} Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also have my overdraft fees credit OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$76.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} Expand XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} Expand XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$43.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00}. Still, they denied my dispute, and I told the lady I contacted XXXX and XXXX says they can't refund me because I cancel them transferred online yesterday and still got billed, and I am XXXX.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2020-10-15
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: SYNCHRONY FINANCIAL (UT)

I applied for a mortgage loan on XX/XX/2020 and was notified that an account was showing on my credit that was reflecting 4 times delinquent and was really hurting my credit score and causing the cost of the loan to be significantly higher. I had no clue who the creditor was, I got all the information on the debt that was reflected on the credit and called the company. 

The company reporting is SYNCB/Care Credit. 

I called the company on XX/XX/2020 and after they researched my social, date of birth name and address they confirmed they have NO RECORD OF ME AT ALL and that I have NO connection to the account or the poor marks they put on my credit. 

I requested a letter stating this, they said no. I asked them to please correct the credit report and they told me no, they would review this in " credit committee '' and would decide after that how to proceed. I explained they had verified I have no relationship with them and I needed this corrected, they didnt care and would correct the negative marks on my credit that will cost me additional thousands of dollars on my refinance.
Consumer complaint received 2020-10-15
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. (MS)

on XX/XX/2020, i sent a dispute letter and update report for my information correcting the inaccurate items and information that they are reporting negative on my report.I haven't receive any documentation regarding the accounts that i requested.i have attached a copy of the letters below
Consumer complaint received 2020-10-15
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. (MI)

Hello, I was notified by XXXX XXXX through XXXX XXXX about an inquire on XX/XX/XXXX. Inquire was from Small Business association, I called the SBA they explained that an individual has opened up a loan in my name for {$17000.00} they explained the steps I needed to do I called them back a few days later they stated that they stopped the approved process and stopped the check. I was told to submit a police complaint, I did hear nothing back from XXXX County as of yet online only. I have submitted online to XXXX, Equifax and XXXX and they have not removed this inquire either. I also am trying to press charges against the individual and seem to be getting nowhere. I have had fraud happen to me several times in the last 7 years, enough is enough. All these credit companies and business advocates make it impossible to clean anything,. So I will be taking this further and hiring a lawyer. I want all my duplicate inquires removed and especially the SBA inquire removed off my credit. I probably will just submit to State Police since County has not notified me in a month.
Consumer complaint received 2020-06-23
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. (GA)

contacted Experian via automated system for a freeze to be temporary lifted on XX/XX/XXXX and refreeze on XX/XX/XXXX, experiand let a company access my credit report on XX/XX/XXXX even thought I request it be froze that date.
Consumer complaint received 2022-11-13
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: EQUIFAX, INC. (TX)

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

( XXXX ) XXXX XXXX XXXX  was disputed on XX/XX/2022 balance {$520.00} ( XXXX ) XXXX  XXXX was disputed on XX/XX/2022 balance {$400.00} ( XXXX ) XXXXXXXX XXXXI was disputed on XX/XX/2022 balance {$160.00} ( XXXX ) XXXX was disputed on XX/XX/2022 balance {$330.00} ( XXXX ) XXXXwas disputed on XX/XX/2022 balance {$520.00} ( XXXX ) Office of the Attorney General-child support was disputed on XX/XX/2022 balance {$620.00} ( XXXX ) Office of the Attorney General-child support was disputed on XX/XX/2022 balance {$47000.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-15
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. (IL)

XXXX XXXX and I agreed to a settlement amount for an account I was listed as a cosigner on. They assured me that the status would be updated with all three credit bureaus to reflect the paid with a XXXX   balance. I spoke with all three credit bureaus who stated that an update was not submitted. I was treated like a tennis ball in a tennis match regarding this matter by them and the credit bureaus. Each one off them begin to blame one another as being at fault for the inaccurate information being reported and reluctance to make the changes accordingly. The amount that is currently reported on my credit reports for this creditor is {$7400.00} with a status of written off as bad debt/collection which is inaccurate.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PR)

Contacted Wells Fargo on Saturday XXXX after receiving2 text message and a call to verify the transactions. I did not see the call nor the message. After an hour later, the I noticed they are trying to verify the transactions. At. this point. they have not received any confirmation from me and they kept approving all the transactions. Leaving my  account balance in XXXX. I place the dispute with them that same day. I called again on Monday they told me that the department that handles my claim was closed. Called again on Tuesday and they told me the funds will be available two days later. I did not see funds on Thursday  XXXX, so I call them again. They told me that. they need to investigate and It will take about 10 business days to see my money. I think this is  very. unfair I have being with out money since the XXXX of XXXX. They make a huge mistake approving transactions without confirming identify. They. are also returning my schedule payments and charging me {$35.00} for every overdraft.
Consumer complaint received 2020-10-20
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 (OR)

On internet advertising by XXXX XXXX terms of purchasing indicated 0 % interest for 48 months. XXXX  was {$1800.00}, terms {$39.00} a month for 48 months. Terms are rounded up to the even dollar. After reaching agreement to purchase said XXXX  on condition I get the no interest plan, I was referred to Synchrony bank to make application for the credit card necessary to obtain the above-stated terms. I was denied the card. I had been previously approved by them for a card in the purchase of a {$3900.00} guitar on similar terms. I cancelled that card because the guitar was backordered and Symphony would not guarantee the 48 month no interest terms at a later date. In my shopping, I see that Synchrony and most other national musical instrument retailers are advertising similar terms. 
Three days ago, I obtained my own credit report, which indicated more than 20 years of credit card purchases and mortgages. There are absolutely no defaults in payments in my history. I have always paid by credit card monthly balance in full, never using the bank 's high interest rates.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hi, On XX/XX/XXXX I, XXXX XXXX XXXX, ran my credit report for the first time in my life. I ran this first with XXXX and then also XXXX ( both attached ). On both of these reports, I found a Credit Card account beginning with XXXX, and ending in XXXX with Bank of America that was opened XX/XX/XXXX. This account had a credit limit of {$3000.00}, a balance of {$19000.00} ( same as amount past due ), is being shown as CLOSED by way of CHARGE_OFF, with a Date Closed on XX/XX/XXXX. 

This is a credit card I never applied for, never received, or was aware of the existence of. I also became aware, under the personal information section of the report, that there was an address listed in XXXX IL that I have never seen or heard of, or resided in, and a phone number, that I also have never seen before, owned, or used. Both of these are listed below : Address : XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX Address ID # XXXX Apartment complex Phone Number : ( XXXX ) XXXX The advice given to me was to first call Bank of America and all three major credit bureaus. I first called Bank of America and filed the dispute/fraud claim, which is claim # XXXX. When I was on the phone with a representative of Bank of America, I was told the account was associated with the address and phone number listed above. 

During this time, I also filed an identity theft report with the FTC, which is report # XXXX After filing this dispute, I received a letter from Bank of America dated XX/XX/XXXX ( I've attached the letter here ), which states : " After a review of details you provided and a thorough investigation, we've concluded that no fraud has occurred. As a result, you'll be responsible for any balance on the account in accordance with your account agreement. '' I am claiming this credit card account is a result of identity theft. I will be following up this CPFB complaint with another addressed to the three major bureaus who have utilized this Bank of America fraud claim outcome to state that the account listed in their initial reports has been verified as accurate.

Following up, I have also frozen my credit with all three bureaus.

I am challenging Bank of America to produce any documentation to support my creation of this account. And I will sign any document or provide, in any capacity as a witness, that I had no knowledge of this  account prior to discovering it on XX/XX/XXXX, via the credit reports I ran. 

Please let me know of any additional information I can provide, and thank you. 

- XXXX XXXX XXXX