davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
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: SYNCHRONY FINANCIAL (CT)

I have these items that are not mine and i want them to be remove from my credit.

XXXX 1. Identity Theft XXXX XXXX  Date of inquiry : XXXX This is not mine.

2. Identity Theft SYNCB/PPMC Date of inquiry : XXXX  This is not mine.

4. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

5. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

6. Identity Theft XXXX XXXX  Date of inquiry : XXXX This is not mine.

XXXX  1. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX  Date of inquiry : XXXX  This is not mine.

4. Identity Theft XXXX  Date of inquiry : XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX This is not mine.

6. Identity Theft XXXX  Date of inquiry : XXXX This is not mine.

XXXX 1. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX  Date of inquiry : XXXX  This is not mine.
Consumer complaint received 2021-07-13
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: U.S. BANCORP (CA)

My second email below was sent to Elan Financial via postal mail today. It reads as follows : Dear Sir or Madam, On XX/XX/XXXX, I put charged a deposit of {$100.00} on my FidelityRewards VISA ( serviced by Elan Financial ) towards the purchase of a XXXX XXXX XXXX  with a initial contract of {$60000.00}. On XX/XX/XXXX and XX/XX/XXXX, XXXX contacted me that the price would be in excess of {$96000.00} and offered a full refund. I processed the cancellation order on their website, but have never received the refund of my deposit. 

I earlier contested this charge through Elan and they just sent back the original copy of the contract showing the 3 day right to Cancel in California and my execution of the contract. XXXX made no mention of this 60 % price increase or their offer for me to cancel / receive a refund. Clearly the deposit can not be held by XXXX when they so drastically changed the pricing. 

The employees who originally serviced my accounts are no longer with XXXX and my account on their website has been disabled. I can not retrieve the revised contract. There is no mailing address offered on XXXX website to send formal correspondence. 

I am also contacting the CFPB for 1 ) Elans poor investigation into the matter and 2 ) for XXXX deceptive business practice. I should be able to log into my account and see the correspondence and history of the matter. 



XXXX XXXX Encl : Original Contract Pricing XX/XX/XXXX Emial notification from XXXX notifying of contract price increase and offering deposit refund.
Consumer complaint received 2020-05-02
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. (GA)

A number of accounts that don't belong to me are been posted in my credit, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed. Please send me that information or remove these accounts from my credit, the law is very clear about this. Thank you.
Consumer complaint received 2021-07-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

On friday XX/XX/XXXX, I registered on the webpage of the citibank and I contacted them to update my telephone information. 
Monday XX/XX/XXXX in the morning, I made an international online transference from the citibank to the a foreign country ( XXXX ) of XXXX dlars. Then on tuesday I recieved an e-mail that said that I had to call the bank to verify the information I gave online, if not they would cancell the transaction. So I called them around XXXX o'clock, and gave them all the information they asked for. At XXXX o'clock I recieved an e-mail message saying that I didn't contact them so they cancelled the transaction and I also found out that they have blocked my debit card. On wednesday XX/XX/XXXX I called to ask what happened, they told me that the number I had updated could not be in use because it is a foreign number. I am currently living in XXXX and I don't have another number in the United states. They told me they can't solve me the problem and that I have to wait for them to contact me so that they can unblock me my card. I told them I need the money urgently. But they didn't offer me other solution. Aditionally, when I updated my contact information they didn't say anything about if there was going to be a problem if it was an international number.
Consumer complaint received 2021-07-14
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. (OH)

Ive been speaking with the 3 major credit bureaus for months. There is no way for me to be able to deal with them any longer as they arent successful obeying the law. Please note there are too many unverifiable items on my credit file that dont belong. The comprehensive credit act of XXXX  says so. See section 401. There is no contract so there is no way that these should remain on my credit file. 

XXXX - {$550.00} XXXX XXXX XXXX - {$260.00} XXXX XXXX XXXX - {$420.00} XXXX XXXX  - {$780.00} XXXX XXXX XXXX - {$420.00} XXXX XXXX XXXX - {$700.00} INQUIRIES UnAuthorized XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (AK)

Good afternoon, I am not sure if this is a complaint -- however, I can't seem to resolve it with either bank/credit union. I was seeking information on a possible duplicate deposit of a check that I had deposited XX/XX/XXXX ( dated XX/XX/XXXX ). The deposit was rejected this week by Navy Federal Credit Union. When I contacted Navy Federal, I was advised that Federal Reserve indicated that XXXX XXXX said this check was deposited into a XXXX XXXX account XX/XX/XXXX. I don't have a XXXX  account and I did not show an amount matching this amount deposited into my accounts. I was told to contact XXXX XXXX and find out more information on the history of this check since it was their instrument. When I called XXXX XXXX I wasn't able to get any information and referred back to Navy Federal. I wasn't ever connected with a XXXX XXXX supervisor and I was placed on hold for a long while. I want more information on the check to confirm it is not fraud and that I did in fact deposit or cash this check.
Consumer complaint received 2020-03-03
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)

ftc violations reported to the federal trade commission XXXX  XXXX master card  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX  XXXX XXXX  XXXX  all inquires on the above XXXX XXXX
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/21 without a response. I really would like help in this matter. The misleading information is causing me financial stress.
Consumer complaint received 2021-07-14
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: BARCLAYS BANK DELAWARE (TX)

I was scammed by a third party, XXXX XXXX XXXX XXXX to purchase high end computers. The cards in question were paid off within 24 hours opening up the line of credit to make more purchases. Within a week, I was able to purchase over {$64000.00} worth of electronics equipment and was defrauded out of everything. I spoke with the Company representative, XXXX XXXX, 2-5 times daily. The cards in question are as follows : Barclays {$11000.00} ( last 4 of card # XXXX ) XXXX XXXX {$17000.00} XXXX XXXX {$5100.00} XXXX XXXX XXXX  {$18000.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX {$2100.00} Total {$64000.00}
Consumer complaint received 2021-07-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland credit was removed from my credit file due to ID theft 2 years ago, they went in and added it back to my credit report, they have been harassing my family and friends, this isn't my account, that's why it was removed
Consumer complaint received 2020-05-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}, {$7400.00}, {$8700.00}, {$4700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











2. CITICARDS CBNA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Consumer complaint received 2021-07-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (VA)

After purchasing a home with a VA loan my wife and I have received a number of refinance letters from American Financial Network Inc. We have never had any business dealing with American Financial Network Inc. and do not desire to. My wife and I both completed the opt out process at XXXX, as provided by the Fair Credit Reporting Act, on XXXX XX/XX/2021. American Financial Network Inc. has ignored our opt out and continued sending refinance letters. After giving adequate time for any letters already in the mail to be delivered we directly contacted them on XXXX XX/XX/2021 at XXXX XXXX. They agreed to stop sending letters. However my wife and I have continued to receive letters from XXXX, with the latest received today ( XXXX XX/XX/2021 ). Furthermore American Financial Network Inc. sends its letters in the format used almost exclusively by DFAS ( the military pay office ). They are deliberately copying this format to attempt to deceive veterans that their correspondence is linked to DFAS.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$52000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX5 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$52000.00} -This is not my account.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

Apparently Synchrony Bank recently sent emails to all of their customers stating they are changing their process of delivering their statements/bills to all of its customer to electronic delivery only unless you opted out. I did not received these notifications for whatever reason on some of my accounts so I was not able to opt out of receiving them electronically. So in turn I never received my statements to know my bill was due. Which caused me to miss payments on two of my accounts with them. I called them once I received notification they were past due and got them taken care of and they even waived the late fees due to my good payment history. I have had some of the accounts since XX/XX/2012. Then all of a sudden I am getting all of these letters in the mail they are closing all of my accounts with them due to bad payment history or whatever. I tried calling them and asking them why they were doing this and why they were reporting this to the credit bureau and destroying my credit report. They said they do annual reviews of accounts and decided to close all of mine and report them to the credit bureau. This is not right at all. They have absolutely destroyed my credit history with this complete XXXX! I realize I have a lot of unsecured debt but I pay my bills and I pay them every month on time. They are doing this to a lot of people. I know personally they have done it to my mother as well. These people need to be investigated for their business practices they are destroying peoples lives. They are just looking for ways to make up $ for all they lost due to people not making payment due to Covid and it's not right. What are people supposed to do? What if they never got the email or the letter in the mail? I guarantee you will be getting a lot of complaints about this. I don't care the accounts are closed. I am glad they are. I will never ever do business with Synchrony Bank again! I do however want my credit report fixed to show I closed the accounts at my choice and I was never late.
Consumer complaint received 2020-01-14
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: EQUIFAX, INC. (CA)

I have tried many times to have the personal consumer statement that I added to my Equifax report removed. I have submitted more than a dozen requests. I have sent registered letters and I have also sent registered letters confirming my identity to Equifax per their request. I have also submitted a complaint here to the CFPB website. All to no avail. The consumer statement that I added is still showing on my credit profile at Equifax. It needs to be removed. Now.
Consumer complaint received 2021-01-04
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: CBC Companies, Inc. (TX)

A listing of the companies that made inquiries on my behalf that i did not give permission. For example XXXX XXXX made 2 inquiries on the same date XX/XX/XXXX, it should have been one inquiry. FACTUAL DATA XX/XX/XXXX, XXXX made several inquiries:XXXX ( twice on the same date ), XX/XX/XXXX. XXXX  XXXX  XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XXXX  I can not remember the date on this one. All of the above companies made this inquiries without my permission except for XXXX in which should have been one inquiry for my Solar Panels. May also add that all three Credit Bureaus were informed of this mistake and their answer was that that : '' I had to write to the creditors to have this inquiries removed and I was told to put a credit freeze on my accounts if I did not want anyone to check my credit without my permission. The inquiries were NOT removed by neither of the three Credit Bureaus. This is to name a few. Please do not include XXXX XXXX  XXXX XXXX, XXXX XXXX on the complaint.
Consumer complaint received 2021-01-04
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: CORELOGIC INC (TX)

A listing of the companies that made inquiries on my behalf that i did not give permission. For example XXXX XXXX made 2 inquiries on the same date XX/XX/XXXX, it should have been one inquiry. XXXX XXXX XX/XX/XXXX, Credco made several inquiries:XX/XX/2020XXXX ( twice on the same date ), XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX I can not remember the date on this one. All of the above companies made this inquiries without my permission except for XXXX in which should have been one inquiry for my Solar Panels. May also add that all three Credit Bureaus were informed of this mistake and their answer was that that : '' I had to write to the creditors to have this inquiries removed and I was told to put a credit freeze on my accounts if I did not want anyone to check my credit without my permission. The inquiries were NOT removed by neither of the three Credit Bureaus. This is to name a few. Please do not include XXXX XXXX  XXXX XXXX, XXXX XXXX on the complaint.