davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (UT)

On XX/XX/2024 I went to Ashley Furniture in XXXX Utah and applied for credit with Synchrony Bank. After I filled out the application I was advised more information was needed by Synchrony Bank. Ashely rep contacted Synchrony Bank and I spoke with a man who verified my full name, date of birth, address, phone number and full SSN. He then advised more info was needed and sent me a link to upload my photo id and take a video in which I did. I then called and was advised by a Synchrony Bank rep that application is under review and I will be notified in 7-10 as their decision. I received a letter on XX/XX/2024 that my application was denied due to unable to confirm my identity. When I called to ask how Synchrony Bank is unable to confirm my identity no one has a answer. If Synchrony Bank can not confirm my identity then I should not have a hard inquiry on my credit report. I am requesting the following information from Synchrony Bank. 

1-The exact reason as to why Synchrony Bank can not confirm my identity an what data bases they used. 
2- The removal of the hard inquiry on my credit report.
Consumer complaint received 2024-02-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Specialized Loan Servicing Holdings LLC (CA)

Hi CFPB, I'm still being illegally harassed, pursued on a debt I do not owe by Specialty Loan Servicing LLC and want it to stop! 

Per the company response XXXX, filed a Fraud report, which they are not accepting due to no signature by a police person. I noted that they said ( police department ) they don't sign the documents, they only put their badge number, which confirms they handled/accepted the report and can be contacted. They have file for Foreclosure on my property ( XX/XX/XXXX ) on a " fraudulent debt! '' Stop pursuing on this XXXX year old debt that I do not owe and now remove the Foreclosure Notice off my property that my family has lived in for 24 years.!! This should not be allowed to happen to anyone 's family. Specialized Loan Servicing is only doing this because they want my increased Equity that is in the property!!!! 

I have also included my Driver 's License. 

( Background ) I originally purchased this property ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Ca ) in XX/XX/XXXX through my first lender XXXX XXXX in XX/XX/XXXX. My lender for this property in XXXX was with XXXX, where I " refinanced '' the property and pulled out some of the " equity only '', no second mortgage. I did not request or submit for a XXXX mortgage or have I had a second mortgage on this property since my original purchase. My loan has been sold to other lenders XXXX times since I have owned the property. In late XXXX & XX/XX/XXXX, " XXXX '' years later, I started receiving threatening notices of Default, Foreclosure and letters from realtors of selling my property! I contacted my current provider several times after receiving these notices as to why I was receiving the notices, ( who stated as I have known ), that my loan is current and there are no notices on my account for Default or Foreclosure and my payment history is very good and to disregard the notices. I actually have " excellent credit '' and don't want it ruined by this situation and to stop being harassed for money I don't owe! This situation is causing extreme stress with me and my family. Thank you for your assistance.
Consumer complaint received 2024-02-11
Product: Credit 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: BOEING EMPLOYEES CREDIT UNION (WA)

So back originally I made an attempt to purchase a printer and computer for my business with XXXX. XXXX said they could not send the product and still charged me the money and said it wouldnt be available until seven to ten business days. After two weeks of nothing happening I made a formal complaint with my credit card company with Becu bank. They said they would do an investigation and that it would take up to ninety days. They never contacted me again and deleted the file. I called a second time to find this out and asked them to reopen it. Now I have made several attempts to get them to tell them also that I did not authorize several other charges as well with you tube and apple mainly. This I have reported fraud several times each month that this continues to happen. I been making my payments on my credit card and do everything I can to resolve this issue on my own. I have lost over XXXX $ due to this banks negligence. Please help me recover my money and force sanctions on this bank for directly lying to me almost every time I talk to them and allowing other companies to steal from me repeatedly despite my numerous attempts to remedy internally.
Consumer complaint received 2024-04-10
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc. (SD)

On XX/XX/XXXX I received an email from Unifin saying that they are the new collections for XXXX XXXX. When I chatted with the agent to see what the bill was for they explained. I made a payment for XXXX. I was never provided a confirmation and or a tracking number for the payment. I spoke with the agent of XXXX XXXX. I was told they do not provide confirmation numbers or tracking numbers for payments until they have been processed with the bank. My payment cleared the next day and posted to my account. Today XX/XX/XXXX I spoke with her again and she stated that one was emailed to me. I checked the email and the spam and noticed no email. Then she verifys the email and states Ok I will get XXXX requested for you. So this tells me that XXXX was never emailed out to me. I think that if I am making a payment to an account some sort of tracking number should be given for records of proof. Not having to sit and wait and wait and wait and then XXXX never is emailed and have to ask again. 

I would also ask that they clear the account from my credit file has a charge off and mark it as paid as agreed. 

I tried to get a copy of the chats that I had with the agency and they system does not allow to get copies
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to XXXX XXXX Transunion 1997, Tranunion is supposed to ensure MAXIMUM POSSIBLE ACCURACY. 

This account violates these laws : 15 USC 16811, 15 USC 168152. 15 USC 168115, 15 USC 1681eb.

INCONSISTENCY OF OPEN DATE CLOSE DATE ACROSS ALL 3 BUREAUS IS INCOMPLETE INACCURATE & MASSIVELY INCORRECT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2024-08-01
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. (WI)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I sent address affidavit on XX/XX/2023 to XXXX to correct my address certified mail and received the return receipt. As of today they have not made any corrections- Please have them to follow the LAW! Who's addresses are these someone must have my personal information PLEASE UPDATE with valid information!!!
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (AL)

To Whom It May Concern : I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and, the current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : 1. THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR 2. VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT 3. ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT 4. ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  XX/XX/year> ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. 
Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report.
Consumer complaint received 2024-10-24
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (IL)

I recently paid off our home and it just posted that a loan we paid off is still active and increased which cant be possible considering we have no loan anymore. Credit wont increase with the wrong information on credit report. We 100 % own our home and again have no loan so not sure why its even showing we do let alone increasing when there is no loan to increase. Needs removed completely from my report!
Consumer complaint received 2024-10-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (NC)

THIS IS NOT MY DEBT. I HAVE STATED MANY TIMES. I HAVE NEVER LIVED IN THESE APARTMENTS. THERE WAS PROOF OF ME SIGNING A LEASE. SHOW ME WHERE I SIGNED. WHERE I AGREED TO LIVE HERE. THIS IS FRAUD. I AM REQUESTING TO HAVE THIS REMOVED AS THIS IS FRAUD. I WILL FILE A POLICE REPORT. THIS IS FRAUD. IT HAS ALREADY BEEN REMOVED FROM MY XXXX AND XXXX. REMOVE THIS FROM MY XXXX. THIS IS FRAUD. I HAVE NEVER LIVED HERE. MY MAIL RECORDS WILL SHOW THAT. PLEASE REMOVE THIS BEFORE LEGAL ACTION IS TAKEN.
Consumer complaint received 2023-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account XXXX is inaccurately reporting on my credit profiles associated with my social security number and are in violation of my consumer rights per the following : Based on the provided credit report, there are several inconsistencies that can be found among the credit bureaus. These include : Account Type  - Detail : XXXX and TransUnion reported the account as a credit card, while XXXX did not specify the account type. 

Account Status : XXXX reported the account as open, while TransUnion reported it as derogatory. 

Balance : XXXX reported a balance of {$260.00}, while TransUnion and XXXX reported a {$0.00} balance. 

Credit Limit : XXXX and TransUnion reported a credit limit of {$300.00}, while XXXX did not specify a credit limit. 

Payment Status : XXXX reported the account as late 30 days, while TransUnion did not have any information on payment status. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ). Specifically : Section 607 ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information in a consumer 's credit report. The inconsistencies in the account type and balance are a result of inaccurate reporting. 

Section 623 ( a ) ( 2 ) requires that if a consumer disputes the completeness or accuracy of any item of information in their credit report, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The fact that the consumer disputes the account and has no knowledge of it suggests that a reinvestigation should have been conducted to resolve the dispute. 

Section 623 ( a ) ( 5 ) requires that if a consumer disputes the accuracy of any information in their credit report, and the dispute is resolved in favor of the consumer, the consumer reporting agency must promptly delete or modify the inaccurate information. If the reinvestigation reveals that any of the reported information is inaccurate, the credit bureaus should delete or modify the information as required by law. 

In summary, the credit report shows several inconsistencies that violate FCRA sections 607 ( b ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ).
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I Don't exactly know what happened my self. I went to bed last night, when I woke up i looked at my emails like i do every morning and someone applied 9 times to net credit with my social and all of them got declined, well at XXXX XXXX XXXX i got an email from XXXX XXXX, stating that my social is being tracked and on top of that i got a second email about 30 seconds later stating that today I pulled out a payday loan which is impossible, because i was asleep and in bed, I've tried reporting the last 2 weeks because i keep getting email after email that someone's been applying for loans in my name and well this morning they got one and i need URGENT HELP, as of this morning it says there was a loan pulled in my name and I've never even got one. I DONT KNOW WHAT TO DO AND I NEED URGENT HELP!! please contact me back at XXXX asap.
Consumer complaint received 2022-11-27
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. (NJ)

This is in regards accounts being reported by Experian, XXXX and XXXX. I sent a letter back in XXXX to all three companies asking for all unverified and inaccurate accounts to be removed. I've only received a reply from XXXX in which they said the accounts were verified, however I've never signed off or consented to any verifications. I am still awaiting replies from Experian and XXXX. I will be replying to them with a follow up letter this upcoming week. 

I've also been receiving an increase of unsolicited calls and letters from creditors since my initial contact with the bureaus. I found this quite unusual being as though my information was never given to them directly.
Consumer complaint received 2023-07-07
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. (CA)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2024-11-02
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. (NY)

I am writing to request that the following fraudulent accounts and inquiries be blocked and deleted from my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent accounts and inquiries removed. I have provided details of the accounts and inquiries below. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$56.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$98.00} XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$87.00} Inquiries to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX OPENED XX/XX/2024 {$590.00}, has violated my rights. 

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-02
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)

I am writing to formally request the blocking and deletion of fraudulent inquiries from my credit report. I am a victim of a data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following unauthorized inquiries : Unauthorized Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXXXXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/year> XXXX. XXXX XXXX Inquiry Date : XX/XX/year>
Consumer complaint received 2024-11-02
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-02
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. (TN)

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries associated with my credit report. I am a victim of a data breach, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the following account to be removed : Fraudulent Accounts : 1. Bankruptcy o Case Number : XXXX o Date Filed : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX. XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am disputing incorrect personal information on my credit report, which includes multiple names and addresses that do not belong to me. I first noticed this issue in XX/XX/year> while reviewing my credit report. Since then, I have taken steps to address it by gathering supporting documentation and contacting your company directly to request corrections. However, the inaccurate names and addresses remain on my report, adversely affecting my credit profile. I expect prompt action to rectify these inaccuracies. Please investigate this matter and ensure that my credit report reflects my correct personal information. 

Please see the drivers license attached.