davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (IL)

I had an account with one main two years ago. I had lost of income however recently settled with the company. I asked them to delete because information is totally inaccurate. This account shows charge off for this year, last year and the previous year. XX/XX/XXXX was last payment. As of XX/XX/XXXX they have charge off on my account which continues to reset my credit. Ive contacted their CEO and executive office. Initially they were responsive but after a while not so much. I want this removed from my credit. Ive emailed the CEO XXXX XXXX as well.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The reason I have this complaint against Select Portfolio Servicing- hereafter referred to as SPS- is because, they made my loan in forbearance without me asking. This has put me in a legal bind. Though I have made all my payments as agreed I am now not able to refinance my home due to the Forbearance that I did not ask for. I need to refinance my house due to a commitment in divorce agreement. During the divorce proceedings the judge told us that if I wanted to keep my house, I needed to refinance and pay my ex-husband the amount of {$50000.00} from the proceeds. 
Last XXXX I received a letter from SPS advising me that I could do a program that was approved by the Government where there was no need for me to make mortgage payments on my mortgage. 
Curious about the letter I inquired to what this program was all about I called, but I never got more paperwork explaining the way this program was going to work for me and my balance, so I continued making my regular payments on my mortgage as agreed. 
Sincerely yours, XXXX XXXX XXXX XXXX SPS Loan # XXXX SPS ( XXXX XXXX XXXX
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

For the past few years, TransUnion has refused me access to my credit report on my online account with their website, via XXXX, and in writing with all required identity documents included. I have called several times and they promise calls from escalation teams but never call. Some have said their are maintenance issues with my credit file but they refuse to fix it for three years now. 

The last time I had my credit report from transunion there was inaccurate information that according the the representative today, has still has not been removed despite submitted disputes.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

I tried to do a XXXX transfer from one account to the other. Navy Federal put my money on hold. Didnt call to say anything to us. When I called had me on hold 3 consecutive times for 15 minutes, l spoke to 2 different attendants I will not disclose there names here, gave a short explanation and said we have to fill a form out then submit it to get my money. I tried to view my account and I was locked out of it. So at this point I cant see my account information. Then was told by a second attendant that I have to wait 2/3 business days for my money. Which I verified and asked for the hold to be removed. At this point I am XXXX XXXX. I told her no I am not waiting 3 days for my money I need it to be released now. This unprofessional inhuman being hangs up the phone. It is distasteful and upsetting to see what you have to go through to use your own money as you please. I will not be moving forward with navy federal because if I have to go through this type of behavior when I have to spend my money its unfair, secondly I can understand protocol to follow with transactions sometimes that may be to verify for security reasons but not when I verified I still have to wait 3 business days are you kidding me, for my money.
Consumer complaint received 2021-03-10
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXXXXXX MD XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-03-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (OK)

I was previously employed with XXXX XXXXXXXX XXXX  ( the Original Creditor ) and was on a month-to-month lease with them. I moved out of state for better employment opportunity and my last month was paid in advance. Furthermore, I left two weeks before the month was over. Now, they are claiming the lease was broken and are attempting to charge me {$1400.00} which is completely false and fraudulent and has affected my credit score! I am demanding that a contract or lease to be provided with my signature which I suspect can not be provided. I am also demanding the account to be removed from my credit, the account to be closed, and for the debt to not be sold to any other agencies. My next step will filing grievances with the FTC, Attorney General 's Office, and possibly legal action. There are several law firms that specialize in suing debt collectors ( such as XXXX XXXX, among others ). This is outrageous that this is the second complaint I've had to file due the false claims made by the original creditor.
Consumer complaint received 2021-03-10
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: CREDIT ACCEPTANCE CORPORATION (KY)

On approximately XX/XX/XXXX my identity was stolen and used to purchase a XXXX XXXX XXXX by XXXX XXXX XXXX and someone else from XXXX XXXX and Credit Acceptance. The account now shows up on my credit reports and is inaccurate. After {$1200.00} was taken from my XXXX XXXX XXXX Account I opened a investigation and after my bank investigation with XXXX XXXX they found that the money was fraudulently taken from my account by XXXX XXXX XXXX and a unknown person and the {$1200.00} was credited bank to my account. I have done showing that transaction as well as a police report.
Consumer complaint received 2021-03-11
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. (NV)

I am a victim of identity theft. I have attached a police report for you to view. The accounts attached are NOT my accounts. Somehow someone keeps accessing my information! I am sick of it. No one of these companies have my personal information, nor do they have a signature on file. I am unsure how the predators keep getting my personal information. Please remove them immediately. Thank you.
Consumer complaint received 2021-03-11
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. (NJ)

I HAD A DEBT CONSOLIDATION COMPANY ASSIST ON PAYING THE ACCOUNT. PROOF OF SETTLEMENT WAS OBTAINED AND FORWARDED TO THE CREDITOR AND CREDIT BUREAUS ON THREE OCCASIONS WITH 40-60 DAY WAITING PERIODS IN BETWEEN EACH INQUIRY. 

THE ACCOUNT REMAINS ON MY CREDIT REPORT, REFLECTING AN OWED AMOUNT ( IN SOME BUREAUS ) AND CONTINUES TO AFFECT MY CREDIT STANDING EVERY MONTH. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY. 

MY PREFERRED RESOLUTION WOULD BE TO HAVE THIS ACCOUNT IMMEDIATELY REMOVED FROM MY CREDIT REPORT. 

THANK YOU.
Consumer complaint received 2021-03-10
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 like to file a complaint for fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I have reached out to these companies for more information to no avail. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review and removed this fraudulent information from my credit report immediately.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1100.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1200.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1200.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1200.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1100.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX{$1100.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX{$1100.00} WAKEFIELD AND ASSOCIATES Reported : XX/XX/XXXX {$1100.00} XXXX XXXX XXXX Reported :XX/XX/XXXX {$1100.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Hi XXXX  XXXX XXXX  XXXX  ; Credit Reporting Agency ; XXXX, Equifax, XXXX  ; Listen, it's impossible that you continue to report this account with multiple inaccuracies on payment history from XX/XX/XXXX to XX/XX/XXXX for 30 days late every month. Impossible that you can honestly say that you verified. I've contacted everyone and done several types of research, as I was NEVER late during those times, and you simply replied that it's " accurate & verified '', and that means that you breach my privacy under the provisions of FCRA. It's impossible that different credit reporting agencies report different dates of being late. It's so inconsistent on the way it's reporting! Again, I was shocked when I reviewed my credit report today and found those late payment remarks on my credit report.
Consumer complaint received 2021-03-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

Commonwealth Financial Systems has reported three collection accounts in the amount of {$910.00}, {$110.00}, and {$94.00} to my consumer credit file. I do not owe this alleged debt! Commonwealth Financial HAS NOT SENT any notice of collection to me at all. This is a strong violation of the FDCPA. If Commonwealth Financial has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL CONTRACTUAL DOCUMENTS stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt in question in which Commonwealth has reported to my consumer credit file. Commonwealth has no legal right to attempt to collect a debt as this does not belong to me. Again Commonwealth has not validated this debt nor sent me any notice of collection.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balanced {$0.00} XXXXXXXX XXXX XXXX  XXXX Balanced {$800.00}
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 

XXXX  XXXX XXXX Balance : {$320.00}
Consumer complaint received 2021-03-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I got an alert that my Bank of America prepaid edd debit card had a low balance. I checked my account and saw that there were 5 atm transactions from a XXXX atm totaling {$1000.00}. I immediately called and filed a claim, then I filed a police report. I heard nothing back from the bank so I called again 2 weeks later. They said it was still pending and call back in a week. I called back in a week and the bank said that it wasnt showing up and that they would re file another claim. Its been over a month and I just received a letter from the bank stating that this claim has been closed and that they believe the account or the claim have been the subject of fraud or suspicious activity. They stated that I will not be reimbursed. I went to login to my account and I am now locked out of my Bank of America prepaid account and I can not withdraw the money that is in there. They said that it is an issue through the edd and to call them. The edd is saying that it is a Bank of America issue.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX. 2021, my wife and I went to my local Lowes at XXXX XXXX XXXX XXXX, GA XXXX to purchase a XXXXXXXX XXXX. I applied for the Synchrony Bank/Lowes credit card in order to save 20 % or up to {$100.00} off of my purchase at the Lowes Customer Service Counter. I provided my GA state issued drivers license ; I also provided my social security number and annual income.

I was then told that my application was on HOLD, so they had to call Synchrony to provide additional information. The additional information was provided over the phone along with the credit amount requested ( {$3000.00} ) ; however, the Synchrony Bank representative on the phone stated that they could not verify me, and that she would need to send me a link for further verification. This verification included my facial picture without hat or my eyeglasses on, and a picture of the back and front of my drivers license which I provided. They still could not VERIFY me.

I contacted 2 managers at Synchrony Bank/Lowes who could not provide me with any answers, or any recourse to rectify this situation ; however, the Lowes representative verified my GA issued drivers license, and I also provided a facial picture, and picture of my license on a link provided by Synchrony Bank via my mobile phone. I do not know what else I could have done to prove that I am me.

The Lowes Representative behind the counter stated that in her 7 years of employment at Lowes that she had never seen anyone go through such a verification This was the most humiliating, and demeaning experience I ever experienced applying for credit ; by providing my picture, I believe that Synchrony actions were racially motivated, and being an XXXX XXXXXXXX XXXX was the determining factor needed to deny me a Synchrony/Lowes credit card. 

I also believe that providing my picture exposed me to undue discriminating factors that were utilized by when determining my credit worthiness ; In addition, Synchrony/Lowes policies failed provide me any remedy after these adverse circumstances occurred. They provided me letter, which I received in the mail, on XX/XX/XXXX stating we are unable to confirm your identify with enough confidence to approve your application at this time Synchrony Bank sent the letter to the address that I provided on the application. 

All of my credit scores are exceptional with scores ranging from XXXX XXXX ; my income exceeds {$100.00}, XXXX +, and my debt to income ratio is less than 22 %. There is no reason for me or anyone else to be subjected to such discriminatory practices when applying for credit. I am shocked and appalled that new practices, and tactics are being XXXX by Synchrony Bank/Lowes that make it almost impossible for an XXXX XXXX XXXX to prove that he even exists.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MA)

Comenity Bank is not helping me resolve this matter and when I was asked to call, I can't get through because I no longer have this card ( I cut it up after paying off ) and I am lost in a sea of automated voices. 

In XX/XX/2020 I paid this credit card in full and did not use it since. In XX/XX/2020 I was charged for some " club '' that I did not want or authorize and it was for a sister brand of this store card. The amount was {$19.00}. Shortly after that I was charged a {$19.00} late fee. Then I was charged the minimum finance charge of {$2.00}. Then the following month I was charged {$35.00} in late fees and another {$2.00} totaling {$77.00}. 

I did not receive any indication from Comentiy that I had any balance - that is until XXXX XXXX  emailed me to tell me I had an over 60 day non payment entry on my credit report. I logged into XXXX XXXX and could not find anything over due. About a week later an unidentified phone number who did not leave any message. I googled the number and found that it was XXXX. I then attempt to log into XXXX and found the above situation. To recap : Charged for some club I didn't join, was charged numerous fees and finance charges yet did not receive a SINGLE notification from Comentiy that I owed anything. When 5 months later they finally call me NO MESSAGE! I wasn't even offered the opportunity to pay or dispute this before they reported me to the credit bureaus and these charges are growing every day. 

I contacted them through email and was told to call them, I call them and can't get through to a human, emailed again and I'm back to the start. Can someone help me resolve this? I should have canceled these store cards once I paid them off but didn't want to hurt my credit score. Little did I know it would be ruined by them anyway. I pay my bills and had I known about this charge would have resolved it immediately not 4 months later. I feel strongly Commenity bank operates under unfair and deceptive business practices and this is certainly not the first time I have had billing/fee issues with Comenity. I have lots of credit cards and none of them let someone rack up charges without telling them then report them to the credit bureau. XXXX will call you if you are a week late on payment! 

Please help me resolve this.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade & Associates, Inc. (OH)

I attended XXXX XXXX XX/XX/2015 per the school guidelines I was to withdraw by week 3 in order to not be charged for the school term. Per the school administrators I did do that, I am now being charged my Meade and Associates ( a debt collector for the balance ) I have tried to contact the debt collector and the school. No resolution seems to be getting resolved.