davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED THE ACCOUNTS AND INQUIRIES. THE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over four months I have not received a response yet or an update to my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 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 was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R & B Corporation of Virginia (CA)

XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$690.00} CREDIT CONTROL CORP XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I purchase a two {$500.00} US Bank Visa Cards on XX/XX/XXXX at XXXX in XXXX, TX. They did not activate. I have tried to call the number on back of the cards XXXX and customer service is unresponsive and it does not allow me to see the balance at XXXX.. Could you please have this activated ASAP. The phone number for customer service is XXXX. Both cards should have {$500.00} balance per the receipt.
Consumer complaint received 2020-06-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (SC)

Dear Sir or Madam : This communique is to complain about Wells Fargo charging fees during COVID 19, particularly when clients are unemployed and subjected to illness as a result of COVID 19. 

I had requested that Wells Fargo debit my account on the XXXX, which was my payday for my prior job. This request was ignored, and I don't have an employer anymore. These additional fees cause a great hardship. Thanks.
Consumer complaint received 2020-06-05
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPTEDXXXX {$3300.00} XXXX {$400.00} XXXX {$640.00} XXXX {$190.00} XXXX {$630.00} XXXX {$360.00} XXXX XXXX {$520.00} XXXX {$3500.00} XXXX {$640.00}
Consumer complaint received 2024-10-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/year> Navy Federal denied my application for a personal extension of credit. I applied for a personal loan of {$45000.00} using my credit card pursuant to 15 USC 1602 ( l ). Navy Federal has repeatedly denied me from being able to exercise my right as a consumer to extend credit which is an adverse action against me. No where under the laws governing adverse action does it say a consumer can be denied an extension of credit. In the letters that Navy Federal sent me after denying my application, their reason is because I caused NAVY FEDERAL A LOSS which is impossible because the United States is obligated to pay for any and all extensions of credit pursuant to 18 USC 8 and 12 USC 411.

I am the creditor pursuant to 15 USC 1602 ( g ), who originated and extended credit pursuant to 15 USC 1602 ( f ). 

I can not be denied my right to extend/originate credit. It is a criminal offense and violation of federally protected consumer laws. 

Navy Federal has discriminated against me and deprived me of my right to exercise my consumer rights violating 18 USC 242. Navy Federal is also interfering with my right to enjoy the benefit and privilege of the Law violating 18 USC 245 ( b ) ( 1 ) ( B )
Consumer complaint received 2020-06-08
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: Mid-South Adjustment Co., Inc. (AR)

I recently became of victim of identity theft and had made contact with the three major consumer reporting agencies regarding this issue. For some reason accounts that have been blocked or deemed has fraud under the Fair Credit Reporting Act Section 605b are appearing on my credit report. The account is listed under a company by the name of Mid-South Adjustment Company has recently placed an Medical Account on credit report without sending any 5 day initial notice of obtaining the debt which is a Fair Debt Collection Practice Violation and in addition failed to adhere to the Health Insurance Portability Act. This debt was from the direct result of identity fraud and has been re-sold which breaks the chain of the command and constitutes yet another violation of the Fair Debt Collection Practice Act. This is a clear violation of my consumer rights and I will seek legal action if this matter is not resolved promptly.
Consumer complaint received 2023-02-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

Hello- I filed XXXX XXXXXXXX XXXX with XXXX WA XXXX XXXX XX/XX/23. After filing, i was served foreclosure papers from my PHH Mtg. With an auction date of XX/XX/23. 
I am also working on getting a modification and have submitted the application for HAF to XXXX and received courts approval to pursue HAF at the XXXX XXXX meeting. 
I can not afford an Attorney as i try to save my home so i am turning to you to ask if i am safe from foreclosure on the XXXX of this month? 
Why did they pursue this after being notified of my Bankruptcy?
Consumer complaint received 2020-06-06
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)

I used my employee Amex card to pay for a business trip at XXXX, TX this XXXX. Its was a two night stay with one night of room upgrade. When I checked out, the fairmont front desk mistakenly booked two nights of upgrade and generated a bill of {$860.00}. I immediately notice them the mistake so they re generated the invoice, corrected the amount to be {$760.00}. 

Later I found out the charge on my Amex card was {$860.00}. So I submitted a dispute with Amex, attaching the copy of the receipt. After months of investigation, the Amex dispute department came back saying the charge was valid, attaching the old incorrect invoice as their proof. 

The correct invoice of {$760.00} clearly shown the refund amount of {$860.00} and break down of the new amount due. But somehow Amex chose to ignore it or didnt even look into it. 


This is not the first time the dispute department did such a job. There was another charge of {$100.00} from XXXX where Amex claimed the charge was valid after their investigation, but XXXX the merchant has already refunded the charge due to fraudulent activity. 

I would like a formal explanation as to how Amex conduct their investigation.
Consumer complaint received 2020-10-15
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. (GA)

I have purchased a experian membership. Experian has been reporting information on my credit report incorrectly. I have attempted several times to resolve the matter over the past 45 days and they have done nothing about it. There reporting on the credit score is incorrect and other accounts that they offer in their boost feature. I have attempted to communicate with the agents who hang the phone up on me several times. Experian is falsely advertising products that they are manipulating people 's credit scores to their own gain. There scoring is off by 30 to 40 points compared to the other agencies. This has been consistently happening over the past year.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

I recently looked at a copy of my credit report and noticed several inaccuracies on my report. This account is hurting my ability to obtain credit. It is my understanding that EQUIFAX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX
Consumer complaint received 2020-06-08
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: CL Holdings LLC (AR)

I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document Since XXXX, XXXX, OR XXXX   HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, JEFFERSON CAPITAL, XXXX XXXX, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & XXXX  FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
Consumer complaint received 2020-06-08
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: ERC (AR)

I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document Since XXXX, XXXX, OR XXXX   HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, ENHANCED RECOVERYCOMPANY, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & XXXX  FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I XXXX XXXX returned a endorsed remittance slip provided by Capital One in which I Wrote on the negotiable instrument : Offer Accepted for value received {$560.00} for accord and satisfaction of the obligation due. Pay to the order : Capital Once :, for special deposits for special purposes such as bailment or general deposit. Acc # Ending : XXXX and added Without recourse, By accommodation : - to dishonor return within 2 days. on XX/XX/XXXX which they received and signed for XX/XX/XXXX. Capital One accepted and only applied {$1.00} to may balance and have been sending me late fee notices, interest and als reporting false information to the Credit agencies about me. 

I Then made another attempt XX/XX/XXXX which Capital One Received yet again and yet again not efforts have been made to resolve the issue. I then made another attempt but this time I sent a Notice Of Billing Error along with the Offer accepted for value on XXXX which Capital One received XX/XX/XXXX and still no written response nor efforts to resolve this problem. 

Also sent Conspicuous Notice : Enclosed is offer accepted, for an accord and satisfaction of the obligation due. To disregard this instrument still constitutes discharge due, to dishonor said negotiable instrument, payment must be sent back to the sender with a detailed explanation point for point as to why the instrument did not satisfy any claim associated with said " resident '' in accordance with GAAP as well as U.C.C. Article 3. Failure to apply discharge of the obligation to account ending XXXX associated with the claim will represent a billing error. 

Notice of billing error : 12 CFR 1026.13 ( 3 ) ( 4 ) ( 5 ) By Accommodation : Without Recourse I have attached all accompanying evidence for your review. Thank you
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery has incorrect accounts listed on my credit report with all 3 credit bureaus. I have reached out to Portfolio Recovery without success and/or response. I have written Portfolio Recovery to remove the two erroneous accounts. 

XXXX XXXX
Consumer complaint received 2020-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

Upon pulling my credit reports, I discovered that Amsher Collection placed a collection on my credit report that does not belong to me. On XX/XX/20, I mailed a dispute/request for debt validation via certified mail. The tracking number is XXXX XXXX XXXX XXXX XXXX. The letter was delivered to an individual on XX/XX/20. As of today ( XX/XX/20 ) I have not received a response from Amsher Collection Company.  Per the FDCPA, if a collection company fails to verify the debt within 30 days, they must delete the account from all credit bureaus. It has been over 30 days, and the account is still listed on my credit reports.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I have been a Synchrony Bank customer for several years with their credit cards and a savings account with over {$20000.00}. Synchrony closed 9 of my credit card accounts due to being a poor risk. 2 were Mastercards with the other 7 cards being store specific. My credit score is over 700 and I have never, ever made a late payment on any of the accounts. The total available credit on those accounts was {$62000.00} and my outstanding balance on the 9 cards totals {$920.00} for a 1.49 % credit usage rate. I was just issued the XXXX Mastercard 2 months ago and they now closed it. 8 of the 9 cards have had credit line increases in the last 60 days. My Lowe 's card had XXXX credit line increases in the last 60 days. I have requested numerous times for a possible increase in the Amazon card limit and was always denied. In the last 60 days my Amazon card was awarded a credit line increase by Synchrony. Several of these cards were issued when I was a XXXX XXXX  and I now make almost 3 times the money I did when those cards were issued. I feel I have been treated very, very unfairly by Synchrony Bank in their decision to close all the credit card accounts and I pose no credit risk to them whatsoever so I don't understand at all what they did!!!
Consumer complaint received 2021-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

The creditor XXXX as you can see in the attached letter is unable to validate the debt so if they are unable to validate the debt how are the bureaus stating they have verified and validated the debt? this is false information and a direct violation of my consumer right. I demand you delete this information from my consumer report immediately.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have attempted to get 2 items removed from my Equifax Credit report on six different occasions. One of the items is XXXX XXXX which is shown as a charge off account with a past due balance of {$2200.00} and the last reported date is XXXX XXXX. The second item XXXX XXXX XXXX which is as a charge off account with a past due balance of {$1000.00} and the last reported date is XX/XX/XXXX. 

These items have been disputed and I have asked for verification. Equifax continues to report these items which reflect as charge off accounts on my credit file. XXXX  and XXXX XXXX did remove these items after the dispute. In addition an official police report was filed in XXXX indicating someone had stolen my identity.
Consumer complaint received 2020-06-08
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: Phoenix Financial Services LLC (AR)

I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document Since XXXX, XXXX, OR XXXX   HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, XXXX XXXX, PHOENIX FINANCIAL, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & XXXX  FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
Consumer complaint received 2020-06-05
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 
CHAPTERXXXXBANKRUPTCYDISCHARGED