davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Im reporting to you that i am a victim of Identy Thief and possible fraud. On or about month of XX/XX/XXXX. I pulled my credit report to check for any Inaccuracies cause I'm trying to purchase a house. I notice that on my credit reports. My name is listed numerous times and also spelled incorrectly. And also addresses that i never lived at. I also notice the i have numerous unauthorized inquiries for Credit cards and Peronal loans. And some Auto loan inquiries. I called numerous times to dipute this. Also i mailed them letters to have them removed. I just found out that my informiation. NAME, SSN, ID NUMBER AND ADDRESS and AMONGST other information pertaining to me. Was involved in the XXXX data breach of XXXX also part of the XXXX data breach  Of XX/XX/XXXX. As well as the Transunion breach So basically i am a victim of identity theft due to the information that was leaked from the 3 Credit Main Bureaus data breaches. Is there anything you can assist me with to have them remove the names and Inquiries That has been unauthorized. I have placed Security freezes and Fraud alerts on all my reports. Jus to start. THIS IS A BIG PART OF ME FILING FOR BANKRUPTCY.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I did not receive my {$400.00} bonus for completing the terms of opening a checking account, setting up direct deposit, and performing debit card transactions ( see attached terms ). I logged into my online account and looks like it was closed without my knowledge with funds still in the account.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I did not authorize or do any of these hard inquiries on my reports : 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 2023-01-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (LA)

I am a natural person and federally protected consumer. On XX/XX/XXXX XXXX XXXX committed grand theft & and stole my XXXX XXXX XXXX in connection to a consumer credit transaction that was entered into on XX/XX/XXXX. This transaction was PAID IN FULL by my SSN and signature pursuant to 15 usc 1602 ( l ) .There is/was no consideration ( 12 cfr 1026.4 ) ( 15usc1640b ) given by XXXX XXXX in the creation of this fraudulent loan only an implicit attempt to extort an exorbitant amount of money from yet another uninformed, unsuspecting consumer. No loan of purchase money was ever given to me by XXXX XXXX only an extension of MY credit. Because this pertinent information, as well as ( 15 usc 1638 ( a ) ( 2A ) ( 3B ) ( 5 ) ) disclosures of amount financed, finance charge and total payments was never given, I have been charged continuously over the last 4 years for extra fees, late payments and repossession fees, all of which should have been included in the finance charge. My rights have been violated over and over from the start by XXXX XXXX. And here I am after loan maturation as of XX/XX/XXXX, out of over {$16000.00}, currently without a vehicle with a clear and free title, and in jeopardy of losing my job due to my vehicle being stolen and held for ransom. A {$4500.00} cash down payment that was said to be required as a condition of acceptance paid by me was already accepted and added to the total sale price as part of this fraudulent contract ( violation of 15usc1605 ( a ), 15usc1692.806 ( 1 ) 807 ( 2 ) ( a ) ( b ) ). XXXX XXXX is alleging I owe another {$2000.00} of which {$1500.00} must be paid to redeem my car or it will be " charged off ''. Documentary evidence will show the original contract with only my signature and none from XXXX XXXX, the entire package of documents given to me at the time of signature at the dealership, as well as my payment history with XXXX XXXX. This is an URGENT matter as they are holding my car hostage. I just want and need my vehicle back free and clear of any liens, my account status reflecting Paid in Full and on time, and either my down payment or twice the finance charge back pursuant to 15usc1640. There was never any debt associated with this consumer credit transaction. The debt only arose after being mislead into signing this fraudulent contract.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (GA)

I am experiencing issues with the Amazon Store Card managed by Synchrony Bank. Due to being out of the country ( United States ) from the end of XXXX to XXXX, I was unaware of a new Amazon Store Card account being opened in my name in XX/XX/year>. To my knowledge, I never requested this card, and I did not receive it physically. 

In XX/XX/year>, I noticed a charge for an Amazon XXXX membership on the account, despite not being in the country or needing this service during my absence. I believe this charge may have been processed by mistake.

Since returning, Ive attempted to access the Synchrony Bank payment portal to resolve the account, but I am encountering multiple roadblocks : 1. Lack of Access : Without having the card physically, I am unable to retrieve the account number necessary to log in or reset my account credentials.

2. Inaccessible Support : Synchrony Banks website does not disclose a customer service phone number or email, making it difficult to reach out for assistance, especially while I was out of the country.

3. Limited Payment Options : Synchrony Banks website includes a pay as guest feature, which would typically allow payment without logging in. However, without access to the account, this feature does not appear usable, effectively making the balance inaccessible and accumulating further fees.

These factors have created a frustrating situation, where I am being charged for a service and accruing late fees on an account that I did not open, do not possess, and can not access. I am reaching out to request assistance in addressing these charges, gaining account access, and ensuring this does not impact my credit history.

Actions Taken Attempted to contact Synchrony Bank through its website for help with account access and payment.

Attempted to locate an accessible contact number or email address on Synchrony Banks website without success.

Amount Charged A charge for an Amazon XXXX membership, approximately {$16.00} was made in XXXX, along with subsequent late fees. 

Additional Detail : The email related to the Amazon Store Card account setup was not flagged as an important or official notice in my inbox, making it appear similar to spam. This lack of visibility led to me overlooking it, contributing to my unawareness of the new account and the associated charges.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This is unusual in that when I asked for a new card to be issued because of possible fraud they did issue me a new card but hasn't come in the mail as yet & it was supposed to come by now. I just called and asked why and they said they needed my Driver 's license faxed to them via my smart phone. I do not own a smart phone so we sent it another way. I received via my e-mail the FIRST TIME they asked in an e-mail notice they DID receive the copy of my license, however when my snail mail card has not arrived and I called just now they are claiming they never got it! I saved the e-mails from them the first time they asked that they did! It all sounds " funny '' to me! Are they even supposed to ask for your driver 's license and ID in the first place????? It feels wrong that they are asking for that kind of information. I've been a customer of theirs for a long time now and never missed a payment ... ..This all from Capital One Credit Cards . Needless to say I am closing that account and going to go to another Credit Card company as I have NEVER been asked to do that before by any company and I have very good credit. it sounds very suspicious to me & I can actually say I've never missed a payment for anything as long as I've been an adult and had a job. So what gives???? Is this even kosher to do???????
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute the inaccurate information found on my recent credit report, which I discovered on XX/XX/XXXX. Upon review, I found discrepancies in my payment history on certain accounts that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681 Section 604a : Section 2, which states that 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 late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I was never paid late, the inaccuracies pertain to the following late payments are incorrectly listed on my account. 

XXXX Account Number XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-07-19
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX 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 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 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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

Since XXXX of XXXX I have been trying to contact XXXX XXXX, which whom I have a practice loan to see if they could change my payments from Weekly to bi weekly. Cash flow was slow on my business. Since XX/XX/XXXX I have been contacted via phone and email from XXXX XXXX and XXXX ( I believe is the same people with two different names ) requesting to pay money and I was threatened me multiple times by this person, maybe an investor, in a very rude and unprofessional way. He even asked me to pay {$6000.00} at least to be reconsidered for refinance. I was struggling at my business in XXXX with the cash flow not knowing what was really happening at my practice. I had to take a 401k loan to pay my employees on XXXX weekend after loosing a cruise with my daughter due to funds not available in my Bank Card. I calculated that I missed about XXXX XXXX behind in XXXX. With all of the pressure from the vendors I was expecting my credit card processor, global payments, to disburse about {$50000.00} by the beginning of the month of XXXX as usual. But money kept not been deposited in my account. On XX/XX/XXXX, When we called global payments, Inc, they say my account was on hold since XX/XX/XXXX, th XXXX and they were holding about {$140000.00} from my business due to a lien that XXXX XXXX had place on me. A few days after a received a notification from XXXX in Writing. Not only I was not notify by anyone from the credit card processor about this, but they also send a letter to all of my insurance companies about stopping the EFTs to my account. I immediately did everything from my part so that global payments could release all the funds so that I could pay vendors, employees, etc. Matter was solved by XX/XX/XXXX from my part. 
Until today global payments have not release the funds to XXXX, not have contacted the insurances so they can continue paying for services that I rendered to my patients. 

On XX/XX/XXXX all my employees did not show to work because o did not pay them their paycheck on XX/XX/XXXX as it was due. I had to see my patients with no staff and almost lost the staff and business that took me 15  years to build. 

I want you to take legal action against global payments for breach of contract. They never communicated with me about any hold of funds and keep holding my funds, and the insurances compensations by their inactions and non communications. 

I have been diligent sending them emails and in writing correspondences, to them and XXXX XXXX. After 6 weeks my practice account and financials holds have not been addressed and this is taking a huge toll on myself. 

I have all the emails and correspondence saved. Its a big file. Please let me know if you need it. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PENTAGON FEDERAL CREDIT UNION (CA)

XX/XX/2023, Some time ago I applied for and was accept for a PenFed Credit, they require {$10.00} dollars to finish the application; so I sent them XXXX dollars and they send me a credit card ; only to require more information after I was approved, but I was sick and was unable to send the rest of the information. Now the refuse to return my XXXX dollars.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (ME)

I called to do a balance transfer with Wells Fargo. I confirmed with customer service that I could submit a another balance transfer in the already open transfer and was told that I had one year to make more transfers. I asked how much I could transfer. She let me know that my limit was {$1500.00} but if I wanted to transfer more, I would need to increase my credit line. I agreed to increase as I have excellent credit. 
I was transferred to the department that handles increases in credit limits. My limit was increased to {$10000.00} and a hard pull on my credit was executed. 
I asked to handle the balance transfer and was transferred back to the customer service department where I was then told my another representative that I could not make any balance transfers. 

I was then escalated and transferred to a supervisor for the mistake who submitted the claim. I confirmed that if I signed up For another Wells Fargo account with a balance transfer Offer ; I would be able to transfer a balance. 

But now that I have a {$10000.00} limit this will effect me being able to obtain any more lines of credit and a significant balance ( not just {$1500.00} ) I submitted my complaint and no one could tell me what the options for resultions were. They simply stated they could not reverse the credit limit increase nor could they give me a balance transfer. I feel this is fraudulent behavior and poor interdepartmental communication on consumer credit policies and laws.
Consumer complaint received 2023-01-31
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. (MD)

A XXXXXXXX XXXX  account was made on my behalf, without my consent or permission and it has been created and reported on all 3 credit bureaus. 

My current account XXXXXXXX XXXX  by XXXX XXXX will end with XXXX and XXXX joined a new financial institute or whatever may have been. 

However, we werent informed that a new account XXXXXXXX would be created from this and our old account reported closed on our reports through email. It negatively affected my credit and me buying a home. 
I did not agree, apply or give any personal information for this company to give my information to another company and create and account on my behalf. I want this account removed immediately. It does not belong to me.
Consumer complaint received 2023-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Severin, Ringsak & Morrow (OR)

On XXXX XXXX, I attempted to get a new Drivers License from the Oregon DMV, as mine was damaged. The clerk informed me there was a hold from North Dakota DMV, stating my license was suspended in North Dakota. I called ND DMV and was told I had a judgement against me for {$1600.00} from XXXX, 2001. I paid the DMV reinstatement fee of {$50.00} and was told I needed to contact the Law Firm of Severin , Ringsak & Morrow at XXXX, as they were the only people that could remove the hold. I called the Law frim at XXXXXXXX XXXX  PST on XXXX XXXX, and was told attorney XXXX XXXX XXXX handles this and would call me back. She called back on XX/XX/XXXX at XXXX PST and took my name, birthdate, and ND license number and told be she would research and call me back. At XXXX XXXX PST on XX/XX/XXXX, she called back and informed me she would not remove the hold on my Drivers License unless I aped the {$1600.00}. I informed her there is a 10 year statute of limitations, with a maximum of 1 10 year extension, for a total of 20 years. This was over 21 years ago. She informed me again they would not remove it without me paying the collection. The judgment on the North Dakota State Court database shows the judgement as expired. The law firm is attempting to collect on an expired judgement by holding my drivers license.
Consumer complaint received 2023-01-30
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. (GA)

This is NOT a request for verification or proof of MY mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections, if any negative mark is found on any of MY credit reports by THESE COMPANIES or the company that you represent, you are in direct legal violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Fair Credit Billing Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I HAVE received proper validation and your offices have provided proper proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of MY credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. IF THIS INFORMATION IS NOT OFF Y CREDIT REPORT WHITHIN 5 DAYS IVE SENT THIS OUT, I WILL HAVE NO CHOICE BUT TO FILE SUIT AGAINST YOUR AGENCIE. UNDER 15 USC 1681
Consumer complaint received 2023-01-30
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)

This is NOT a request for verification or proof of MY mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections, if any negative mark is found on any of MY credit reports by THESE COMPANIES or the company that you represent, you are in direct legal violation of the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Fair Credit Billing Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I HAVE received proper validation and your offices have provided proper proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of MY credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. IF THIS INFORMATION IS NOT OFF Y CREDIT REPORT WHITHIN 5 DAYS IVE SENT THIS OUT, I WILL HAVE NO CHOICE BUT TO FILE SUIT AGAINST YOUR AGENCIE. UNDER 15 USC 1681
Consumer complaint received 2023-01-30
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. (LA)

Per FCRA section 15 U.S.C. Sec. 1681i the bureaus are suppose to investigate in a timely matter, let me know they are investigating and respond before 30 days. I've sent letter after letter after letter since XXXX and still there's no word from the bureaus. There nothing but inaccuracies all over my report and they are not trying to fix it nor delete. I'm really upset because it's stopping me from doing what I need to do for my family when it comes to credit