davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
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: LEXISNEXIS (NY)

I called XXXX and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law. There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. clearly put, LEXIS NEXIS fished for this negative bankruptcy information, then sold it to the credit reporting agencies to make money from ruining my reputation and ability to obtain new credit.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

I was denied for a Sam club credit card due to a high risk but I never applied for any previous applications and no credit was pulled and this bank has a history of discrimination in the past and all I wanted was a credit card to fix my credit and build a banking relationship and unfortunately they blocked my social security number and run my credit and sending me bad letters to my address and I cant get a credit card or have the opportunity to send in documents and I would like this to be fixed this problem started after I reported a Sam club account open in my name and it was removed but there is no balance and the bank didnt suffer a loss at all!!!
Consumer complaint received 2021-06-27
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. (GA)

On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To date, well over 30 days later I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes, I do not like that. Section 611 ( a ), plainly states that a failure to investigate these item within 30 days gives a reason to immediately remove those item from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information has also been impacted by the Equifax data breach and may have been in possession of the wrong people.
Consumer complaint received 2021-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Army and Air Force Exchange Service (TX)

Military star card has violated my consumer rights and damaged my consumer report rating and as a consumer/natural person I have recently learned my rights under title 15 and would like the account removed pursuant to 15 usc 1681c ( a ) ( 4 ) being thats it is a charge off and military star took a portion of my 2020 tax return and didnt notify me they would. I believe that action was illegal and unethical to take money entitled to me and my family and I would likely have the funds returned to me and the tradeline removed from my consumer report. Military star card has violated my rights by sending me deceptive forms leading me to believe that i owed an alleged debt that they never once verified. The account cant be verified because I am the original creditor according to title 15 an I do not validate this debt. This account has also been a deciding factor is the cancellation of my security clearance and stopped me from gettin a new security clearance with my job XXXX XXXX which has stopped my career advancement.
Consumer complaint received 2021-06-29
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

the following accounts are appearing on my credit report, without any authorization, they do not belong to me, it is hurting me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

10. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

16. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

17. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

18. Identity Theft XXXXXXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

21. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with XXXX  plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$7600.00}
Consumer complaint received 2021-06-28
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: Experian Information Solutions Inc. (NC)

I recently sent a letter to XXXX, XXXX, and Experian, due to me being a victim of identity theft, on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2021-06-27
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: AMERICAN EXPRESS COMPANY (NY)

on XX/XX/XXXX i purched airline tickets with my platinum america express card. the same day the airline cancelled my reservation. on XX/XX/XXXX early in the morning i contacted an agent from amex travel and he confirmed that my reservation was cancelled by airline. i had prior reservation for the same time in may but since the price dropped for this flight i asked the agent to cancell this booking and issue the credit in a form of eticket which he confirmed. while on the phone with him i told him before he canclled my booking i want to be sure that the flight is still available. he told me to book it myself and after this he will cancel my booking and he did issuing the credit for {$510.00} each for 3 tickets. the other booking which was cancelled by jet blue and by me within 24 hours was entitled for a full refund not the eticket credit which i received. i contacted the amex travel 3 times waiting on line to be transferred to different people for 2 hours but no success. i was told that somebody will get back to me. i waited 12 hours no response. after that i was told 72 hours still no response. this is an unfair and deceptive practice toward consumers who should'n suffer due to incompetent agents. the company should provide a proper training and establish the time frame to contacting customer. needless to say that i spoke with supervisor who was also of no help and never called back. i am expecting ames to ctedit my account for {$1200.00}.
Consumer complaint received 2021-02-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

We have HELOC with BMO Harris bank originally until it was transferred internally with XXXX XXXX XXXX. ( XXXX  ). We have tried to call them multiple times and arrange a payment schedule with them since our HELOC matured and affected due to our bancruptcy filing back in 2015. We got a lettter from XXXX and demanding to pay the full amount payment of XXXX. XXXX rep said they are no longer sending statement. We are willing to work with them and pay down our loan but we couldnt get any meaningful assistance form their rep or even discuss it in person. We are looking to refinance it but since they are reporting the past due account in credit reporting agency we are having to problem starting this process.
Consumer complaint received 2021-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

XXXX XXXX I discovered someone had withdrew {$3500.00} from my Wells Fargo savings account. There were 7 withdrawals of {$500.00} each day from XX/XX/XXXX thru XXXX. The trail was from Wells Fargo to XXXX to individuals who I do not know.I had not heard of XXXX before this fraud occured. I contacted Wells Fargo Claims Assistance and reported this, I was questioned for a few minutes and was told I would be told the results of the investigation at a later date. A few days later I recieved a letter stating that " we have determined that the transactions were made by you ''. We have had that saving account for several years and the only transactions we made were deposits. The Wells Fargo rep was not in the least willing to give me any information as to where the transaction started, what XXXX was and how the transaction took my money without my knowledge or requesting any action regarding my account. I requested Wells Fargo senf me documents used by Wells Fargo to determine that I was the one who made this transaction I am waiting to get these documents. Theysaid it could be 30 days. After doing some digging I found out that one must be enrolled in the XXXX  program in order to use their services. I am not enrolled. The Wells Fargo people were rude and uninterested it even trying to hear my complaint
Consumer complaint received 2021-06-28
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 (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

Paramount Recovery System, L.P. is trying to collect a debt that I don't owe or know anythimg about and I don't know how they received my information because they are not even the original creditor and this company has no contract with me or my written consent to furnish anything on my consumer report nor have I gave ANYONE CONSENT to any alleged creditor and thats Identity theft statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ). I would like for them to cease and desist any communication with me and close the account they alleged that I owe.
Consumer complaint received 2021-06-28
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: AMERICAN EXPRESS COMPANY (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (DE)

XXXX purchased BBVA and in return closed my Simple bank account. I took a quick look at BBVA 's banking system but decided I did not like it. I requested BBVA to close my account two times. I requested to close my account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All three responses were not on how to close my account but were instead of how to HIDE my bank accounts from my account. The third response apologized but offered nothing in response. I tried calling but spent over an hour on hold before giving up. 

I want my account to be closed, permanently, as I want nothing to do with XXXX or BBVA.
Consumer complaint received 2021-02-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

XX/XX/XXXX was the last time I talked with my mortgage Servicer and requested an extension on my forbearance and if I could get any help with saving my home from going into foreclosure. The representative told be once my forbearance ends I will have to make my payment in full. XX/XX/XXXX will make exactly 1 year now in forbearance and when I called in XXXX they were able to approve my forbearance extension to XX/XX/XXXX. My Mortgage balance as of today is {$42000.00}. I am still impacted by XXXX because I am finding myself trying to catch up on all my bills while trying to work and raise my XXXX young children alone through COVID. They are home schooled and forces me to take time from work, which makes things more challenging. I want to clarify as of XX/XX/XXXX I was already behind on my mortgage trying to get help and because of that my mortgage Servicer will not help with deferring my total balance owed to the end of my mortgage. They are not willing to try and help me other than offering me a short sale or deed inLieu. I have no where to go and want to save my home. I am backed by a XXXX XXXX XXXX and was reading that as of XX/XX/XXXX its not required for me to pay my complete Forbearance balance in full and should qualify for a deferral but my mortgage Servicer is telling me otherwise. I am currently capable of starting to make my regular monthly mortgage payments but cant pay back the past due balance in full. My mortgage holder and Servicer is looking to foreclose on my home, its very obvious they dont want to help me. All I want is to place the balance owed to the end of the mortgage so I can continue making my regular monthly payments. Thank you.
Consumer complaint received 2021-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: ECMC GROUP, INC. (CA)

My parents took a student loan out in my name when I was a teenager. It shows up in multiple ways on my credit. All preventing me from going back to school. I am now XXXX  and just want to better my life and my childrens. I cant do that if I cant pay for school. I tried to rehabilitate and could not.
Consumer complaint received 2021-02-07
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. (UT)

Trans Union, RE : REMOVE INACCURATE CREDIT INFORMATION Third Request I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 


XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  XXXX from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

My Pay Pal credit card was closed by Pay Pal. I called to inquire why my credit card was not working. A Pay Pal Rep. informed me on the phone my credit card account had been closed by Pay Pal. The Rep. stated the account was closed because I had not used my account for six months.

I explained to the Pay Pal Rep. I had not used my credit card because of the COVID-19 Pandemic. I also explained to him that there were recent laws established regarding consumer 's credit by the U.S. Government because of the COVID-19 Pandemic.

I also informed the Rep. Pay Pay never mailed me a letter stating why my account was closed.
Consumer complaint received 2021-02-07
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 — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P. (MS)

This account is unknown to me, send me proof of how you verified this account, the collector did not verify that this account was mine, please send me a method of verification bearing me signature. Please send the original paperwork bearing my signature, I believe this to be false information reporting,
Consumer complaint received 2021-06-26
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 HONDA FINANCE CORP (FL)

I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-06-27
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. (SC)

On XX/XX/2021 I sent a letter to the credit bureaus asking them to investigate some WRONG accounts that they are reporting on my credit report. It happens that a few days ago I came back and I see that the accounts have not yet been removed from my credit report and the credit bureaus did not even deign to answer my disputes. Where are my rights? They are violating them, and their customer service is terrible when you try to get answers on the phone with them, they definitely do what they want with consumers and nobody protects us. That is why I am submitting this complaint with you in the hope that you will listen to my complaints.
Consumer complaint received 2021-02-07
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)

Expierian has had me locked out of my credit report for over a year, they keep lying and saying they will send me a copy, I kept complaining how inaccurate it was on the app so they locked me out of accessing it, I cant even order it online, and when I call they tell me theyre mailing it and dont ... I have excellent credit and anyone who checks it through them denies me and said theyre telling them my score is XXXX ... It isnt ... Every single hard inquiry they have needs wiped because they provided misinformation on them checks and I was denied things I shouldnt have been denied over it and can prove it ... XXXX XXXX sent me a letter telling me they said my score was XXXX and thats why I was denied ... All the other agencies have the right info ... I have asked they fix it over a year now and they still havent ... I have asked for a copy of the corrected report for over a year and they never send it just say they will ... At one point they had almost everything on my report wrong clear to my name spelling and social security number ; and when I sent the copy of the report back with the corrections that needed made hand written in and requested a corrected copy all of this started where they locked me out of viewing my report and refused to send a corrected copy ... I want all the inquiries wiped they provided the wrong information to those companies and I want to see my report ...