davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (SC)

I received a letter saying that I had an unpaid balance on my Belk Credit Card. I had not received any bills for this account, so I called the number. I was answered by an XXXX call center who told me that I had to write a letter to the Belk Credit to request replacement statements. I did so twice. No response. I have now received a letter stating that my debt has been sold to a debt collection service. 

I would like a copy of the bill ( s ). If these are charges made by me, I will pay immediately. I want the adverse credit report removed from my record.
Consumer complaint received 2020-06-06
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)

I have been dealing with someone stealing my identity since XXXX of 2018, periodically they apply for credit. I have put a freeze on my accounts to not allow any additional credit accounts without further verification. I have been repeatedly trying to have false information removed from my credit report. I've contacted both XXXX XXXX and XXXX 's multiple times to remove the inquiry made by the person trying to steal my credit. I've made numerous attempts to the companies and have been told each time that they will remove the inquiry. Time goes by and nothing changes, that's when I contacted the credit reporting agencies XXXX and Equifax and filed disputes on all incorrect information. Each dispute gets " verified '' as correct which is false. I've exhausted all my resources and now find myself here trying one last time to rectify the issues before I file a claim under the FCRA in court against both credit agencies that continue to report false and negative information that affects my credit and scores.
Consumer complaint received 2020-06-08
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. (LA)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, withing my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2021-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TN)

On XX/XX/25 I received a letter from Synchrony Bank stating that my " debt '' was sold to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX send me a bill the same day for {$1100.00} for a XXXX card ( i guess?? ). 

I can't recall the exact day, but I spoke to Synchrony Bank months prior when they sent me a letter saying I owed that amount. I verified all my information and was told that is was NOT my debt as the social security number did NOT match. 

So, today XX/XX/25 I call XXXX to tell them the same thing I went over months ago with Synchrony Bank. The guy I spoke to a XXXX also concluded that the XXXX didn't match but wanted ME to write to them to dispute the debt. This is clearly an issue with XXXX XXXX Synchrony and their skip tracing. 

This matter should have been resolved when I spoke to Synchrony months ago. I'm not sure who ( or maybe both ) are to blame - -Synchrony or XXXX, but I will not be harassed anymore over a debt that is 100 % not mine
Consumer complaint received 2021-02-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KY)

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-02-25
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: CITIBANK, N.A. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX, Citicards CBNA, and XXXX XXXX XXXX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-25
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. (MA)

I am writing to request the elimination of several unauthorized credit inquiries, I have already sent a request to EQUIFAX so that they please and in good faith eliminate those Hard Inquiries that are fraudulent and a violation of my rights, and have not proceeded to the elimination, for I come to you with the assurance that you will help me and that is affecting my being able to buy my house. 
1.XXXX XXXX XXXX XXXX XXXX 2XXXX XXXX, XXXX XXXX XXXX XXXX  3XXXX XXXX, XXXX XXXX XXXX XXXX 4.XXXX XXXX, XXXX XXXXXXXX XXXX 5.XXXX XXXX, XXXX XXXX 6.XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX 7.XXXX XXXX, XXXX XXXX XXXX XXXX 8.XXXX XXXX, XXXXXXXX XXXX  XXXX
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Consumer complaint received 2021-02-25
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. (FL)

I've been disputing fraud accounts and bankruptcy on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MO)

IC SYSTEM INC at has been sending me collection notices in the amount of XXXX The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. 
this company does not have a contact with my signature.
Consumer complaint received 2021-02-24
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: CITIBANK, N.A. (CA)

On XX/XX/2020 I received an email and a text message from the Best Buy account department regarding an attempted charge. I called Best Buy account department and inform them that was not me. They told me charges did not post. maybe 30 minutes later a second alert, I called this time the fraud department. I mention to them I am not making any charges. They said not to worry no charges were posted. I asked the representative to close my account. If they attempted twice they will attempt again. The representative said no need to close the account charges were not post. I told him, no close the account this is not a ca credit card that I use. I have only used this card at best buy nowhere else. The representative closed the account per my request. One month later I received a statement from Best buy with charges of {$950.00}. I called and made a fraud complaint. I was told the account was closed and the charges were never included. I reminded them that there representative mention to me the charges never post. The claim was open. I receveied a letter XXXX XXXX mailed onXX/XX/XXXX based on their investigation I am responsible for those charges because the card was used with the enable card reader. I told them I don't know how, if I have the credit card and I cut the credit card in XXXX when I closed the account.
Consumer complaint received 2021-02-24
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: AFNI INC. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-25
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. (OH)

I have sent in multiple written disputes to Equifax credit bureau regarding the extreme amount of inaccurate information and balances that are reporting on my credit report. The 1st letter that sent, via certified mail, was on XX/XX/XXXX. On XX/XX/XXXX, i received a online notification that an investigation was in progress. On XX/XX/XXXX, i received notification that that an investigation was completed ; the inaccuracies remained on my report and they continued to violate the law. Equifax also failed to grant my request to provide the original documents/ signatures used to verify that the information was 100 % accurate along with FRCA guidelines. Also, on XX/XX/XXXX, I mailed in a follow-up dispute to challenge the inaccuracies, and i also the requested the method of verification as well. As of XX/XX/XXXX, I have not received any correspondence from Equifax. The company continues to violate the FCRA by reporting erroneous information that is damaging to my credit report. Below are the following accounts that I have disputed with Equifax : XXXX XXXX Balance- $ XXXX Reporting as 11 charge-offs, along with an inaccurate balance and reporting. XXXXXXXX XXXX : Balance- $ XXXX Reporting inaccurate information as a charged- off account, along with incomplete information. Equifax continues to report as 100 % accurate and verified. XXXX  : Balance- $ XXXX XXXX XXXX XXXX XXXX was recently listed as the creditor reporting on this account. I requested validation of debt directly from the XXXX XXXX, via certified mail, and they refused to comply. Equifax removed XXXX XXXX XXXX as the creditor and added XXXX. This information is inconsistent with the information report my XXXX credit file. XXXX XXXX : Balance- $ XXXX Incomplete information and an inaccurate balance. XXXX- $ XXXX XXXX- Balance- XXXX XXXX Listed as a duplicate. XXXX XXXXXXXX XXXX XXXX XXXX Reporting inaccurate information that there is a past due amount of {$2600.00}. Equifax has failed to conducted a thorough investigation and to ensure that this account is reporting 100 % accurate. Also note : My name is XXXX XXXX, and I this is not a third party person, such as a credit repair company filing a complaint. I am filing this complaint on my own behalf. The 2 written disputes that I have submitted to Equifax have been sworn affidavits, that requires a signature in the presence of a Notary Agent. I also have receipts verifying that all of my correspondence was sent by certified mail, which bears my signature as well.
Consumer complaint received 2021-02-24
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. (TX)

Equifax has yet to update my information on my credit account. To them, I practically dont exist. XXXX and XXXX were able to update my information no problem. I sent in documents requested by Equifax by mail to establish my identity and they sent me a postcard saying that they could not find my account due to no credit history. I have called my lenders and they said they have reported to all three bureaus. Due to this, I fear my personal information has been mishandled by Equifax and I have been given the runaround by them every time I have called. I stay hours on end on the phone with them to no avail.
Consumer complaint received 2020-06-05
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. (AR)

I was trying to cosign for my cousin, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX {$610.00} XXXX {$620.00} XXXX  XXXX {$650.00} XXXX {$620.00} XXXX {$610.00} XXXX {$24000.00} XXXX {$480.00} XXXX {$620.00}
Consumer complaint received 2020-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See XX/XX/XXXX USAA CREDIT CARD FRAUD CLAIM date XX/XX/XXXX INVESTIGATION COMPLETED ALL ** UNAUTHORIZED CONFIRMED A YEAR TOO LATE. NO Permanet Fraud Credits were provided by usaa. See also attached Mail Fraud Criminal Investigation Letter of USPS NON DELIVERIES US Postal Inspection Services XX/XX/XXXX. When no permanet credits were provided by usaa I requested a review. See attatched usaa statement of XX/XX/XXXX ADJUSTMENTS TO ACCOUNT ( NO DOCUMENTATION OR EXPLANANTION WHAT FRAUD TRANSACTIONS DATES THIS IS ADJUSTING. ) See attatched XX/XX/XXXX, XXXX REVIEW OF YOUR CLAIM IS COMPLETE. No Fraudulent Activity Found?? After Review of Your Claim.?? How could that be true? USAA LEAVES CONSUMERS WITH FRAUD UNRESOLVED. After reseaching transactions months later I discovered I DID NOT OPEN THIS ACCOUNT. USAA KNOWS THIS IS FRAUD AND HAS DESTROYED MY CREDIT.
Consumer complaint received 2020-06-05
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. (AR)

I was trying to cosign for my cousin, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX {$610.00} XXXX {$620.00} CB XXXX {$650.00} XXXX {$620.00} XXXX {$610.00} XXXX {$24000.00} XXXX {$480.00} XXXX {$620.00}
Consumer complaint received 2020-06-05
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report.
Consumer complaint received 2020-06-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (GA)

I originated an auto loan with Santander in XX/XX/XXXX. I started to have difficulty with the loan and placed it under a payment arrangement. To my surprise, the vehicle was repossessed on XX/XX/XXXX while under a payment arrangement. I did speak with the representative and asked, her reply was 'that doesn't mean anything '. I attempted to pay the entire delinquent balance even after repossession to regain the vehicle and was denied. 
I learned this month that Santander settled in a class action suit, admitting to initiating thousands of sub prime loans which violating protection laws. The notification stated, 'Santander will pay {$65.00} XXXX to the 34 participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. For consumers with the lowest quality loans who defaulted as of XX/XX/XXXX and have not had their cars repossessed ... ' I find it convenient that thousands of us had our vehicle repossessed prior to the XXXX XXXX, XXXX date to eliminate our sub prime loans from the Santander settlement, although we do have sup prime ( and therefore illegal loans ). So we now owe the company a deficiency balance for a fraudulent loan, in spite of them admitting the loans were fraudulent.
Consumer complaint received 2020-06-05
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-06-05
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.