davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
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: SYNCHRONY FINANCIAL (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 2021-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

Synchrony Bank/Credit Care hired a debt collection agency, XXXX XXXX to collect a debt that is not mine. I never recieved any correspondence through mail, phone CALL ETC ... I found out about this debt through checking my credit report. At the time of this account being open fraudulently in my name I was hospitalized at XXXX XXXX XXXX. I was told to send proof of this and I did. I was later told that this was illegal on the part of Synchrony Bank and XXXX XXXX. This is an invasion of my privacy according to the Privacy Act and HIPPA regulations. I also disputed with credit bureaus in which these companies did not reply within the 60 days FCRA regulation requires them to. Synchrony XXXX requested to see a police report and I sent them three different ones to different departments over and over again. XXXX XXXX also made this request and I obliged but after 60 days was not made aware of any changes to my credit reports.
Consumer complaint received 2021-02-02
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 — Investigation took more than 30 days
Company: Exeter Finance, LLC. (TX)

For the past 60 days I sent you a dispute for hard inquires I didn't authorize with a FTC report stating I been a victim of identity theft, I send out another FTC report 2 weeks ago which they said they didn't received it, I also called and they couldn't help this matter. 


I have filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I haven't received any investigations results.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have a mortgage company ( XXXX XXXX ) that we have been making payments to. They have made several mistakes and misreported late payments to the credit bureaus ... 11 total. I've asked the bureaus to process my request and update my mortgage to paid as agreed and remove these remarks ... nothing has happened and this is killing me. Attached is a document that XXXX XXXX sent us after we threatened to sue them agreeing to remove the late payments. Please help us
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the date of XX/XX/2020 there was fraud committed on my XXXX debit card issued by Bank of America. I had XXXX $ withdrawn from an area far from where I live. I called and filed a claim I filed a claim with Bank of America that same day, and then the following day ( Tuesday ) either BOA or the XXXX proceeded to delete / freeze my account! I also had another XXXX $ sitting in the account so for a month I did not have access to my future XXXX benefits, the XXXX $ sitting in my account, and the XXXX that was stolen from me! Right before XXXX too! Long story short I went back and fourth with the XXXX & BOA, and the XXXX reverified my identity and unfroze my account. Bank of America in the process gave me 0 help, and even mocked me at times for needing this money reimbursed to me. I have seen HUNDREDS of people going through the same thing. I called maybe 50 times within the month and I have not had the money that was stolen to me reimbursed.
Consumer complaint received 2021-02-02
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. (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 Equifax 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 2021-02-02
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. (AL)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requesting that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2021-02-02
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: CCS Financial Services, 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 2021-02-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

On XX/XX/XXXX, I had an Online Banking Bill payment come out of my account. The same day I had a XXXX payment sent to me at approx XXXX. At XXXX I received a text message such and I received an email at XXXX stating that a payment was sent to me and was successfully deposited into my account. I also verified through the FNB banking app that the funds were available, and they were in my available balance. However, my bill payment was returned and I was charged {$37.00}, due to theXX/XX/XXXXpayment no being available to pay ACH/ Checks/ billpay items. I was notified 2x by the bank the funds were in my account and verified through the app the funds were available, only to find out the funds were held unbeknownst to me. Very misleading and not acceptable.
Consumer complaint received 2021-02-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

On XX/XX/2017 Portfolio Recovery added a derogatory remark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. Debtors/creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say that it is mine. According to FCRA, Portfolio Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2021-02-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

For the past 60 days I sent you a dispute for hard inquires I didn't authorize with a FTC report stating I been a victim of identity theft, I send out another FTC report 2 weeks ago which they said they didn't received it, I also called and they couldn't help this matter. 


I have filed a dispute in regards to incorrect items on my credit report, it has been well over 30 days and I haven't received any investigations results.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/20 : XXXX XXXX XXXX  XXXX XX/XX/20 : Suntrust DBA Lightstream XXXX XX/XX/20 : XXXX XXXX/XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) XXXX XXXX/XXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and XXXX XXXX pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX
Consumer complaint received 2021-02-02
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. (DC)

I am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with XXXX after I told them what has happened and that I am not responsible on these accounts but they kept threatening me to take me to court if I won't pay. XXXX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and promised me to decrease the amount and delete the information from my credit report. After months of payments, I finished and called them however, they refused to delete the 3 accounts. I contacted the credit companies with regards to 3 XXXX accounts that were promised to be deleted, provided them with my eviction letter, a police report about my ex husband stealing all we had and explaining them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. Please help me remove these three accounts from my credit repots.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX resolved inaccurate information with Public Records section of my Transunion LLC and XXXX Credit Files. These Two Entities Refuses to Acknowledge any Update information and by law refuses to delete unknown information. Their system E-Oscar, is verifying inaccurate information consistently and not verifying with the actual source XXXX XXXX. I need these two Entities to follow FDCPA and FCRA. They are breaking laws and violating my rights.
Consumer complaint received 2021-02-02
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: AMERICAN EXPRESS COMPANY (CA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019, AMERICAN EXPRESS Inquired on XX/XX/2019. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Americor Funding, LLC (CA)

I signed up with Americor for debt relief with 4 creditors during these months they only supposedly reduced on then during this time I payed off another creditor then was told by Americor that they had to pay them off so we sent them the money to pay off another and they didnt pay it off after I seen in credit report that now I was 90 day behind I had to then pay fees on top of what I sent to Americor after I argued with them for week I finally the refund the money now I owed more that previous balance then Americor was taking money out of my account and not paying the creditor the only paid them 2 month worth when I spoke with one main bank they also said that Americor had not finished the settlement with and they had only made 2 payment but Americor was taking 2 payment a month when I asked Americor they said it was fee for the settlement but prior they said that they where paying them 2 times a mont and the fees where where small after many arguments and being told I didnt understand I canceled services with them even canceling was a huge argument basically telling me I was stupid in the time they only settled on 1 account I had paid off 2 other even though they took money from me and cost me fees and penalties on one of those creditors to this day I cant get a accounting of the fees or how much they paid its been a horrible experience
Consumer complaint received 2021-02-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I own a vacation rental property and a man named XXXX XXXX reached out to to me through XXXX and wanted to rent my vacation home. He said his company was paying so he needed to send a check. When I received the check ( from XXXX XXXX, XXXX in XXXX, TN on a Bank of America check ) it was for more than he owed and he asked me to XXXX the difference once the check clears. I electronic deposited it to my checking account at Bank of America, it showed cleared later that day and I sent the difference of {$2200.00} via XXXX to XXXX XXXX at email XXXX, which was also a Bank of America account. A few days later, XXXX said he had to cancel the reservation because his wife got XXXX and asked if I could refund the rest. I sent the remaining {$2200.00} to XXXX XXXX via XXXX at email XXXX which was a XXXX account I think. Several days later, I got a letter in the mail from my bank, Bank of America, notifying me that the original check was fraudulent. I immediately called Bank of America to notify them of entirety of the fraud however, the funds could not be recovered from the XXXX accounts as the accounts had been closed. I feel like Bank of America had multiple opportunities to protect me during this and failed to do so. They should not have allowed me to initially deposit a fraudulent check, it, especially because this was a Bank of America check. Once they were unable to retrieve the funds from the check, they should have notified me in a more timely and urgent manner ( i.e. a phone call, email text message ) than through the mail, which would have prevented me from dispersing those funds through XXXX. Furthermore, one of the accounts that I send the fraudulent funds to was another Bank of America account which gave Bank of America ample opportunity to recognize the fraud/crime and intervene to protect me. I recently met with two agents from the Department of Homeland Security because XXXX XXXX was involved with another fraud case they were investigating and they said that Bank of America should have done more to protect me and should reimburse me the {$3900.00} I have lost.
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One dismissed my dispute, citing XXXX 's requirement that a second opinion ( for an unused, non-operative pushmower ) be provided. 

XXXX 's Return Policy has no such requirement. 

" Outdoor Power Equipment Mowers, chainsaws, generators, pressure washers, trimmers, blowers, etc. must be returned within 30 days of receiving the product and must be unused and in original, unopened, undamaged, factory-sealed packaging. '' XXXX XXXX XXXX  [ REFERENCE prior CFPB Complaint ID XXXX ]
Consumer complaint received 2021-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (CA)

I secured a loan with NetCredit with of my credit rating and potential high interest rates. Ive been making monthly payments in full and on time expecting some part it would be applied to the principal. To my complete shock, after t least 2 years, balance had significantly increased beyond the initial principal ( negative amortization ). In speaking with a representative, I was informed that nothing had been applied to the principal and random fees been attached. As no billing statement or account record is neither mailed or emailed to me and nor did any representative disclose that to me. Im a XXXX and XXXX struggling to make these payments only to get further in debt.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I keep sending letters in regard to a bankruptcy that they claim has been verified by XXXX XXXX but the information they are reporting does not match the XXXX XXXX Report, Transunion, XXXX  or XXXX  report. I also looked on Pacer and none of the information matches. 

I don't understand how all this information is being verified but none of the information is being reported the same from any of the Credit Reporting agencies and I keep getting ignored by TransUnion, XXXX and XXXX  and XXXX XXXX about this. 

Name My name has only been XXXX XXXX XXXX. TransUnion has a reported name of XXXX XXXX XXXX which is completely inaccurate and needs to be removed. 

Bankruptcy TransUnion, XXXX, XXXX, XXXX and XXXX all have different Docket # 's All credit reporting agencies are reporting different Court names and addresses which do not match XXXX  confirmation # XXXX dated XX/XX/20 investigation was incomplete and did not list any information for the Bankruptcy being reported. 

File for XXXX  shows court name Federal - but no information was provided in the investigation results. Report was blank that was provided by XXXX  in there investigation results provided on XX/XX/20. 

TransUnion File # XXXX dated XX/XX/20 Bankruptcy Court TransUnion US Bankruptcy Court with address XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX XXXX Report # XXXX Dated XX/XX/20 US BKPT CT FL XXXX with address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Reference # 's are different on all files TransUnion XXXX XXXX  XXXX XXXX  XXXX and XXXX shows XXXX How can every reporting agency have different information. How can I not get an answer to any of the letters being sent to TransUnion. Why was my report incomplete from XXXX. Why isn't XXXX XXXX telling me how they are getting this information if they clearly have not verified this information with anyone since I had to reach out to the court and have told me that they do not verify this information. So how can any of this information be accurate?
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NV)

On XX/XX/XXXX a signed and notarized modification agreement was sent to Shellpoint Mortgage Servicing. I confirmed that the received these documents XX/XX/XXXX via telephone. The modification was supposed to have gone into effect with my XX/XX/XXXX payment, but as of XX/XX/XXXX they have not completed any of the system changes for the modification. Per the modification agreement I began making my modified payment XX/XX/XXXX. I am still receiving past due notices, this is effecting my credit, and my loan is still showing due for the XX/XX/XXXX payment when it should be due for the XX/XX/XXXX payment. 

I have attempted to contact Shellpoint Servicing on several occasions, but the " person who is handling my file '' is never available. I have requested this to be escalated to management on 3 separate occasions, and have never gotten even a call back regarding it. 

I am attaching a copy of the unsigned agreement as the signed agreement was sent back to Shellpoint Mortgage Servicing on XX/XX/XXXX and I did receive confirmation they received the signed document on XX/XX/XXXX as stated above.