davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (WA)

My Discover credit card was fraudulently used last XXXX. In fact, Discover sent me a text informing me of this problem and I clicked I did not authorize this charge. It was apparently for a hotel in XXXX, WA. 

I thought I was done with the matter when a replacement card was sent to me. However, two months later, Discover billed me for the charge. I clearly clicked I did not authorize the charge, nor was I in XXXX at the time. Discover claims a copy of my driving license was given. I suspect someone obtained a copy of my license, but because the DL center is closed at the moment I have not been able to verify this. Earlier in the year I also had to provide a copy of my DL for two jobs I've been at and I have asked the police to look into those two places too. 

I will be obtaining new driving license numbers when they are reopened after the pandemic. 

I have filed numerous police reports and shared them with Discover. But Discover claimed the police " closed '' the reports, possibly because the police have other priority events, especially in the XXXX area. I hope at some point the police can go look at video footage of the supposed hotel involved in the fraudulent charge.
Consumer complaint received 2021-01-29
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: American Profit Recovery, Inc., Marlborough, MA Branch (FL)

I was the victim of identity theft. Therefore, there is a person with a different name than me who has an AMERICAN PROFIT RECOVE collection account of {$280.00} from 2017 showing up on my credit report. I have filed fraud with credit bureaus and original creditor and they have acknowledged the evidence of fraud but have yet to delete the collection.
Consumer complaint received 2021-01-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I received a Intent to XXXX in the mail about a week ago from my tax commissioner. The mortgage company I have to unfortunately go through is beyond horrible XXXX. I sat on the phone for two hours waiting to talk to somebody. When someone finally picked the phone up I spoke to her for a total of five minutes and she told me to take a picture of the letter and email it to a company email address and she said that they should get back in touch with me. Well its been five days since then and I havent heard anything. Im worried to death that someone is going to take our home, I havent done anything wrong I paid my mortgage on time every single month it was their fault that the taxes werent paid. I dont know what else to do.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (GA)

The collection is reporting on my credit report as charged-off ( SYNCB/XXXX ) and XXXX XXXX XXXX. I have called the company several times to resolve this said balance of charge off. The company has sold this debt to another company trying to make me pay for debt with an outside source, but they are holding the account. Both companies are trying to collect on a debt that neither has verified that I owe. I have submitted this dispute to the Credit Bureaus to ask for validation of the debt owed and have yet to respond. This is causing me financial distress as I'm not able to resolve this matter. The credit bureaus are not followingthe law to demand proof of debt owed. 



Account Info Account Name SYNCB/XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX {$950.00} Highest Balance {$1300.00} Terms NA On Record Until XX/XX/XXXX Account Info Account Name XXXX XXXX XXXX/ XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit - Highest Balance {$1000.00} Terms NA On Record Until XX/XX/XXXX XXXX
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OH)

JP Morgan Chase, with whom I have several products currently - including a different Credit Card with available credit in the amount of {$18000.00} and a {$0.00} balance - sent a notice dated XXXX XX/XX/2021 explaining that my recent application for a new credit card was denied due to " too many credit cards opened in the last two years associated with you. '' I met and exceeded all eligibility requirements, currently have a FICO score of XXXX ( according to my XXXX XXXX card ), XXXX ( according to my XXXX XXXX card ). This year, my husband and I downgraded our frequent-flier credit cards to cards with no annual fees - especially since we do not expect to travel during the pandemic. These are not cards opened, but rather cards downgraded. I pay my balances in full most months, and do not accumulate high balances. The only reason I can see for denying me credit is that I accepted public assistance in the form of unemployment benefits for 6 weeks last year. This, of course, is a violation of the Equal Credit Opportunity Act, and I would like an investigation opened into the matter. 
The Reference number for their decision letter is XXXX
Consumer complaint received 2024-10-31
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: EQUIFAX, INC. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (DC)

This is my second time reporting this issue regarding oportuns predatory loan practice. I took out a {$4600.00} loan from them over XXXX years ago, and Ive made payments totaling almost {$4000.00} but as of today, the balance on this loan is still {$4200.00}. I explained to the company that I was experiencing hardship a couple months ago, so they said they will temporarily reduce the interest rate, but they did not. As of today, the interest rate is still at over XXXX % but the maturity date of the loan was increased. I took out XXXX different loans with other companies around the same time and I can see great and reasonable progress with the principal payments being significantly reduced. This has not been the case with Oportun. Oportun preys on the financially vulnerable. I honestly do not understand how their loan process works. The fact that I still over {$4000.00} 2 years later is mind blowing. I can no longer afford to pay a dime on this loan. I need serious intervention. I did not agree to these vicious predatory terms or practices. This company needs to be seriously investigated. Their agents have called me in the middle of the night harassing me for payments.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-28
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: Experian Information Solutions Inc. (GA)

On or around XXXX of 2019 I submitted documents to both Experian and XXXX  regarding a bankruptcy being reported to my credit. I submitted proof from the Circuit Courts they DO Not report to credit bureaus. The bureaus insisted that they recieved the information from the courts which was in fact false. Also, the bankruptcy is reporting as a name other than my own. The bureaus have yet to remove this item from my report. The Bankruptcy is not reported on XXXX  and XXXX  sent documentation to both. They have refused to comply as detailed in law regarding credit agencies reporting public records.
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NY)

I reported a fraudulent charge to Citi Commercial Cards in XX/XX/XXXX. As of XX/XX/XXXX, they have not credited the fraudulent amount, they continued to charge me late fees every month, and they continued to call me and send me letters to collect on the fraudulent charge plus late fees. 

I was out of country on XXXX XXXX when the charge occurred. I have proof ( XXXX XXXXXXXX ) that I was serving out of country and could have supported the investigation on the fraudulent charge. Citi declined when I offered to offer proof to assist in the investigation on the fraudulent charge.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union without asking members first automatically enrolled them in " premium checking '' that will cost XXXX bucks a month. Yes, you can try it " free '' for 2 months, but enrolling them without permission is where I take offence. If I wasn't told by another credit union member I would have been completely in the dark and then wondering why there were charges every month for something I didn't buy or approve.
Consumer complaint received 2021-01-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have submitted multiple disputes with XXXX, XXXX, and Transunion and have yet to receive any correspondence from them! I have inaccurate items reporting on my credit file that I need removed immediately. I have been trying to get things removed since XXXX of 2020 and have yet to receive a single letter or word from them. I understand with the pandemic, there is a delay but this is ridiculous. They lawfully have 30 days to respond to my disputes and it's been months!! The inaccurate items must be removed from my credit immediately.
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

Experian Business Credit Reporting agency has failed to generate reporting of my PAYDEX score. 

Several times I have contacted Experian Business Customer service department request that my business tradelines from the following accounts place for credit basis. 

XXXX XXXX XXXX XXXX credit card XXXX XXXX business credit card XXXX and XXXX loan XXXX
Consumer complaint received 2024-10-13
Product: Credit 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: ALLY FINANCIAL INC. (FL)

I contact ally bank three times regarding my dispute with XXXX for {$230.00}. I was told the dispute was solve and I would get a credit did not het a credit. I provided all the documents the bank asked for.
Consumer complaint received 2021-01-29
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. (TN)

XXXX Inquiry from XX/XX/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 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 Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I have already disputed these inquiries several times. I called all 3 credit agencies and have not received a resolution that these inquires are mine.
Consumer complaint received 2021-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is handling my account in a discriminatory fashion due to my age, race, and relgon. They sent me notification that they would be reversing {$79.00} from my account on XX/XX/XXXX. On the XXXX about {$2000.00} was reversed from my accounts without warning. I went to branch to call and see why they took back so much money without warning, they had no good explanation only said it didnt make sense and they were sorry but nothing could be done. Bank of America gives all there other customers fair warning of any changes that will be made in my account. 

Reason for Dispute Reversal - Claim was denied because purchases fit my spending habit, including places I have never used and states I have never visited. 

Claim # XXXX - {$1500.00} - Filed on XX/XX/XXXX ; Reversed on XX/XX/XXXX Claim # XXXX - {$980.00} - Filed on XX/XX/XXXX ; Reversed on XX/XX/XXXX
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc (MO)

MCA Management Company XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX fax has been ignoring my emails for over a year while I was trying to reach out and figure out how to pay them ( I was XXXX to XXXX for the XXXX all of 2020 ). All of a sudden I recieve an email from them stating what they are owed still. I think this practice is very shady. I can provide the emails I sent them regarding me trying to make payments. This company also opened credit accounts in my name which has affected my credit score after I contacted them trying to pay. They ignored me and elected to mess up my credit.
Consumer complaint received 2021-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OR)

I had a credit card through XXXX XXXX XXXX. My family was impacted my the Covid-19 pandemic. I called XXXX XXXX XXXX  and asked for assistance. I spoke with a gentleman named XXXX, and he agreed to wave any fee 's for the time being, and to keep in contact with them. The next month bill come around and they tacked on the fee 's they had agreed to wave, but twice the amount. I called again and they said they would be taken care of. The fee 's never got removed but instead, kept doubling them and adding them on, for months. I got tired of it, and had the money to pay off the full balance, ( including their fraudulent fees ) from the Covid-19 pandemic stimulus check. I tried to make a payment online, and their system was down, so I called and spoke with a representative. She said the system was down on her end, and to call back in a couple days. I checked back a couple days later to make a payment online, and my account was locked. I then called the company, and they proceeded to tell me they sent my account off to collections, to Midland Credit Management. I had been signed up for E-billing which was posted on my account with XXXX XXXX XXXX. They declared they no longer have any documentation, so I now have no record of any payments made, or the documentation of the true balance in-which I owed. They prompted me to contact Midland Credit Management. I then contacted Midland Credit Management and told them I need all documentation and proof of the account that they have. They stated that they already sent the documentation, which they did not, because I hadn't received anything from them. I found out who the company was via XXXX XXXX XXXX. They refused to " re '' send copies of documentation to prove the debt. 
The company XXXX XXXX XXXX, made fraudulent charges on my account, adding over {$500.00} to my true balance and will not provide documentation. The collections company, Midland Credit Management, has added charges to the balance, and refused to provide required documentation. I have no record of documentation because they locked me out of my account therefore, my documentations of proof, were washed away. 
This is impacting my credit score, and my personal life. I feel as if I've been the victim of fraud, at the head of the corporate world, where they are feeding off of their weaker pray, whom has no leverage. I am prepared to speak with my attorney.
Consumer complaint received 2021-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

To Whom It May Concern : I am writing to file a complaint against Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX. 

I have disputed an incorrect negative account that is incorrect / not mine and should NOT be on my credit report. I have tried multiple times to dispute it to be removed, I have sent them letters from the original creditor stated on the account proving they have no data for that account ever existing never the less being mine. 30 Days ago ( XX/XX/2020 ) I sent over a dispute letter with the proof I received by mail from the original alleged creditor so they may remove the account. I have not received my results or any reply by mail to this matter. They are now in violation of my rights and need to be held accountable for causing such hardship. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax to date. Along with letters from the original creditor stating they have no proof of the negative reported account ever existing. This would mean the bureau had no way to validate this negative item and should have removed it. 

Also the credit reporting agency mentioned above has failed to respond to me with investigation results or removed the item within the allotted 30 day window and is now or very soon to be in violation of my consumer rights. I am requesting your assistance in putting an end to this ridiculous matter. PLEASE ORDER THE CREDIT BUREAU TO DELETE THIS INCORRECT, FALSE ITEM FROM MY CREDIT REPORT. This item has affected me terribly and completely handicapped my life and business. 

Thank you for your assistance.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.