davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (MD)

I bought something online threw XXXX they offered a store card threw Snychrony Bank. I never received the card or a statement. They reported me as late. And charged me a late fee. Not only am I trying to purchase a house it lower my score over 50 pts so I am unable to go threw buying the house. After speaking with them they removed the late fee but I need them to change that I was never late.
Consumer complaint received 2024-10-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

I signed up for XXXX synchrony car care cards. One with XXXX  XXXX and XXXX with XXXX XXXX I signed up for the online payment option and made payments on both last month online. When i went to log in this month to pay i was blocked from accessing my account. The statement on the website reads " This account may have been closed or blocked. Please contact customer service at the number on the back of your card. '' So i called customer service twice. Both times they refused to unblock the account. The first time, after 45 minutes, they said they were transferring me to tech support. I then spent 2 hours on hold before the call was disconnected. The second time they also refused to help. This time i told them to have tech support call me when they were available as my time is valuable and being a victim of there incompetence is not required to pay a bill. When i asked for paper statements they told me i would be billed for this. I refused to pay. I believe this is intentional to rack up late fees and junk fees. Why would i be required to spend XXXX hours on the phone without getting the situation fixed or pay a fee. Why would i be punished for their incompetence. Why would they block my online payment access and then bill me for it? I am a 100 % XXXX XXXX XXXX Veteran from the war in XXXX and this is triggering my XXXX. I have informed them of my XXXX on multiple occasions. I was forced to ask over 15 times for paper statements before they honored this request. They are very very very intentionally refusing to solve their own issue in order to XXXX late fees and junk fees
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I have notified Experian via/ dispute that they are reporting my date of birth, name and address inaccurately and with that inaccurate personal info they are connecting to several accounts from same provider as being my accounts, out of those inaccurate accounts the two that are recent were account # XXXX and # XXXX, I did not get any cooperation from Experian to use the many documents I have sent them to correct and remove the incorrect accounts and was forced to file a complaint with CFPB on XXXX XXXX, file number XXXX-XXXX, since then the company had remove one of the two disputed inaccurate accounts account # XXXX and remain the second inaccurate accounts # XXXX and as of today XX/XX/2021 the Experian still have not corrected their record to reflect my correct Address and my correct Date of Birth.
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (VA)

Called in told them I wanted account closed the guy closed my savings but not the checking. It stayed open. They charged me XXXX dollars in overdraft fees over 3 months and then closed the account refused to refund the fees and I owe the bank XXXX dollars after all the fees are refunded. They rearranged transactiosm to charge more fees. Have proof. And want this fixed
Consumer complaint received 2021-07-26
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: Experian Information Solutions Inc. (NY)

On XX/XX/2021, I apply a XXXX XXXX XXXXXXXX Credit Card. ( reference number : XXXX ) On XX/XX/2021, XXXX XXXX XXXXXXXX pulls my Experian credit report ( hard inquiries ) required to establish a credit decision. On XX/XX/2021, I received a letter from the credit card institution requesting more information to finalize the credit card application. On XX/XX/2021, I sent the requested information back with certified mail. 
( USPS : XXXX ). On XX/XX/2021, they received the documents : please see attached documents, but fail to process the application immediately ; however, I provide the documents in less than thirty days as requested in the letter. On XX/XX/2021, I received a credit bureau ( EXPERIAN ) alert related to XXXX XXXXXXXX XXXX Hard Inquiries related to the same application. I believe the second hard inquiry violating the Federal Law for the following reasons. The first inquiries an authorized on XX/XX/2021. The second inquiry, I do not allow for the same application. The bank internally makes second inquiries ; they received all the documents less than thirty-day ( See mail obtained time stamps and USPS evidence ) however fail to process the application as required by federal law.
Consumer complaint received 2021-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 

1. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX/XXXX  Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The F

air Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which all
ows for {$XXXX} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-07-26
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: Experian Information Solutions Inc. (NY)

On XX/XX/2021, I apply a XXXX XXXX XXXXXXXX Credit Card. ( reference number : XXXX ) On XX/XX/2021, Bank XXXX XXXX pulls my Experian credit report ( hard inquiries ) required to establish a credit decision. On XX/XX/2021, I received a letter from the credit card institution requesting more information to finalize the credit card application. On XX/XX/2021, I sent the requested information back with certified mail. 
( USPS : XXXX ). On XX/XX/2021, they received the documents : please see attached documents, but fail to process the application immediately ; however, I provide the documents in less than thirty days as requested in the letter. On XX/XX/2021, I received a credit bureau ( EXPERIAN ) alert related to XXXX XXXX XXXX Hard Inquiries related to the same application. I believe the second hard inquiry violating the Federal Law for the following reasons. The first inquiries an authorized on XX/XX/2021. The second inquiry, I do not allow for the same application. The bank internally makes second inquiries ; they received all the documents less than thirty-day ( SeXXXX mail obtained time stamps and USPS evidence ) however fail to process the application as required by federal law.
Consumer complaint received 2021-07-25
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. (NJ)

I submitted a complaint thru the CFPB to Experian, and in return Experian 's response is that there is a third party. I am not third party, I am a person. I give CFPB and EXPERIAN, authorization to proceed with my claim of Identity theft.
Consumer complaint received 2021-07-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Link Management, LLC (FL)

Capital link and management has phoned my number repetitively, 3 times today alone leaving intimidating messages on my answering machine beginning at XXXX XXXX  for a XXXX XXXX, although being told they have the wrong number this has continued. The number is XXXX. After contacting them 3 times today they are telling me there is nothing they can do, unacceptable!
Consumer complaint received 2021-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Data Mortgage Inc. (GA)

On Monday XX/XX/XXXX I received a mortgage delinquency letter from Essex mortgage. I called them and tried to get options to catch up on my mortgage or delay payments. 

The letter stated I needed to pay {$2800.00} plus late fees to avoid foreclosure by XX/XX/XXXX or call for assistance/options. I called and did a over the phone interview for options and the only options available were covid 19 assistance due to covid being one of the impacts of me not being able to make my payments. The representative on the phone said they no longer offer those options even though I qualified. I was advised he would send a loss mitigation application so that I can apply for other options. I never received and the website he provided for me to upload electronically for faster processing states that I am not eligible due to my current loan status. My payments are behind for XXXX and XXXX. 

I also asked if the late payment reporting on my credit can be removed solve it is the first one and was told I have to dispute it because they cant remove it but I still havent got that information on how to do so. I am needed help with getting my account back on track and possible payment deferrals, lower monthly payments or payment plan but the company hasnt been very helpful and my date is nearing for XX/XX/XXXX. I would like to keep my home and get back on track but they arent helping me so that instead I get debt collection calls from their company every second of the day threatening me and being very rude after Ive tried reaching out and sharing my financial difficulty. From what I read on FHA covid assistance is that its still available but I was denied and havent received any other Assistance timely to help my situation. The first day I got the letter I called.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (OR)

I had a credit card with BBVA Compass. I was not aware that I owed a balance on this card. I received a letter from a Debt collection company regarding a balance due. I called BBVA and they would not assist me nor tell me anything regarding this dispute, they transferred me to the debt collector, which I explained that I am not aware of owing BBVA any money, they informed me that I could not talk to BBVA and I could only talk to them.

I have not received a bill, email or phone call from BBVA regarding this dispute so I'm
confused as to why they will not assist me in resolving this matter and require me to handle with the debt collector. 

I have requested from the debt collector a statement regarding this dispute, BBVA refused to assist me.
Consumer complaint received 2021-07-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I called Credit Acceptance Co asking for Calculation of Deficiency or Surplus, which I never received in the mail.

Under UCC Article 9-616, a creditor who fails to provide the letter waives their rights to a deficiency.

Also looking over the documents gathered from the previous report my name was entered electronically without knowing. 
Also how can my trade name be used when my legal name status is XXXX XXXX XXXX. 
The installment that is listed on my credit report is nothing more than a credit sale which means it is usually sold at auction since it was voluntarily repossessed is usually sold at auction to pay off the unpaid balance. 
Credit acceptance has been reporting inaccurate information and would like it to be removed from my credit report.
Consumer complaint received 2021-07-25
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. (TX)

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Consumer complaint received 2021-07-26
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: ALLY FINANCIAL INC. (PA)

I just looked at my credit report and saw that I had 5 Inquries pop up on my XXXX  on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX and 1 on XX/XX/XXXX. Then on my XXXX I see 5 Inquries on XX/XX/XXXX. I don't know where any of these inquires came from and they are affecting my report.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am having an issue opening up a checking and savings account with banks and credit unions due to adverse negative information listed on my Chex Systems and Early Warning Consumer Report. All of the Inquiries Viewed By Others and Me currently listed on my Chex Systems Consumer Report is fraudulent, unauthorized, not my inquiries and is the result of identity theft. All of the bank and checking accounts listed on my Early Warning Consumer Report is fraudulent, not my bank or checking accounts and is the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, Minnesota XXXX License Number : XXXX, Date Issued : XX/XX/XXXX, Dated Expired : XX/XX/XXXX
Consumer complaint received 2019-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

On Thursday XX/XX/2019 I send my son XXXX from my checking account XXXX XXXX XXXX XXXX  to his XXXX XXXX account he received it via XXXX XXXX in to this checking account XXXX. The next day XX/XX/XXXX I send him XXXX dollars again plus XXXX from my XXXX XXXX XXXX XXXX to his XXXX XXXX account. He wasn't able to received those monies. So he email XXXX XXXX to inform them of the situation he hasn't as of yet received any email from them. 

Mean while as he was sending his email I decided to call the customer service number XXXX XXXX. have on their website XXXX it has a recording. So I hung up and dialed that same number again and someone picked up and started to assist me need less to say I was on the phone with this person for about 40 minutes. my son and I. The person on the XXXX XXXX   phone number told me that our accounts was frozen till the next day and that XXXX would get the monies back into his XXXX XXXX account within 24 hours. Well 24 hours later no monies.
Consumer complaint received 2024-09-01
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. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX ) The following account is reporting incorrect, inaccurate and imprecise information. Account name : XXXX XXXX Account number : XXXX Fraudulent balance : {$8800.00} This account is the result of identity theft. This account does not belong to me, I have never had any kind of business relationship with this company. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. This account is duplicated on my credit report, please remove from my credit report. 

XXXX ) The following account is reporting incorrect, inaccurate and imprecise information. Account name : XXXX XXXX XXXX  Account number : XXXX Fraudulent balance : {$3100.00} This account is the result of identity theft This account does not belong to me, I have never had any kind of business relationship with this company. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 

XXXX ) The following account is reporting incorrect, inaccurate and imprecise information. Account name : XXXX XXXX Account number : XXXX The status of this account should indicate paid as agreed. 
Fraudulent balance : {$3100.00} This account is the result of identity theft. 
This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification. 
This account is duplicated on my credit report, please remove from my credit report. 

XXXX ) The following account is reporting incorrect, inaccurate and imprecise information. 
Account name : XXXX XXXX Account XXXX Fraudulent balance : {$320.00} This account is the result of identity theft. 
This account does not belong to me, I have never had any kind of business relationship with this company. 
Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act Sec. 611 ( a ) ( 1 ) ( A ) and I am maintaining a precise record of actions, including the method of verification. I do not consent to any e-Oscar, or any other means of automated verification.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

upon checking my credit report online with experian, I notice that there is a collection a couple of collections reporting in my report. I filed a dispute with XXXX XXXX XXXX and equifax letting them know that the information was inaccurate that i have never had an agreement or account with either company but they are still reporting to the credit bureaus. not only have I never had an account with either company, They are also reporting the accounts as open and with a balance. as of XX/XX/year> XXXXXXXX XXXX is reporting a balance of {$1800.00} on account # XXXX and XXXX XXXX XXXX is reporting a balance of {$880.00} on account # XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

PLEASE DELETE OR UPDATE LATE PAYMENT TO PAID ON TIME PURSUANT TO 15 USC 1666b- A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Paystub attached for proof of address at the bottom/ date at the bottom