davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

Synchrony Bank/PayPal : During XXXX XXXX I filed a dispute with synchrony Bank on purchases that i made not on my account. I never heard from them again. I continued to make on time payments and on XX/XX/XXXX my current balance was {$100.00} which I paid and did not want the account any longer. Now i received an account summary stating that i owe {$350.00} after I paid the account on XX/XX/XXXX and made no other purchases. ( see document 4 ( I then seen other purchases on my account that I did not make. I called them and they stated that I made two additional purchases during the end of XX/XX/XXXX. I was then transferred to the dispute dept in which no one ever answered the phone for over an hour on 3 separate occasions. I was sent an email dated XXXX XXXX XXXX stating that they have noticed unusual activity on my account and need to speak with me.case ID XXXX ( see document 3 ) I called and spoke to a young lady and she refused to take the ID number and again I was left on the phone for a very long time in which no one ever answered. PayPal website site has a lot of scammers scamming their clients and making purchase on clients behalf. I can't even get an invoice they stated that I could not get an invoice due scammers. ( see document 1 )
Consumer complaint received 2024-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite my numerous attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have profoundly impacted my life, causing significant stress and anxiety. I must reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2023-12-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Duvera Billing Services, LLC (FL)

XXXX XXXX XXXX ( Duvera ) intentionally made themselves impossible to communicate with during the global pandemic at the very beginning of my loan. Most agents did not fully communicate in English, misunderstood perhaps intentionally, and debited my accounts on wrong dates/dates not agreed the first two payments. There were hold times of almost two hours, and it was heartbreaking when the agent obviously couldn't fully communicate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for them to pick up. In hindsite, they intentionally caused the loan to default so I would pay a year of interest before I was elligible to pay the principal. They were obstructive at every step and are predatory, and I'm sure tactics are illegal. I was victimized by this company.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX This account is an identity theft and was opened without my authorization. 

Please deleted this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Section 1681i Obligations of credit reporting agencies : Dispute Investigation : When a consumer disputes the accuracy of the information contained in his or her credit report, this section establishes the credit reporting agencies ' obligation to conduct a full and fair investigation or reinvestigation. 

Notification or removal of incorrect information : If during the investigation it is found that the information is inaccurate or can not be verified, the agency must correct or remove the incorrect information in the credit report.
Consumer complaint received 2023-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Your permission to include this bankruptcy in my credit record is not authorized! There are many dates for filing and reporting, as well as for closure. This is crazy! I have the court 's letter stating that they do not notify you of this bankruptcy and that this is coming from an uninvited third party.
Consumer complaint received 2024-02-17
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NJ)

On or around XX/XX/XXXX I had applied for a Goodyear Tire card thru XXXX in which CitiBank is the provider. I had received an adverse action letter dated XX/XX/year> which stated that I was denied due to Insufficient number of accounts. So I looked up the term Insufficient number of accounts in which it stated : you don't have enough credit accounts on your credit report to meet that lender 's qualifications. I tried to contact CitiBank for a reconsideration after I looked at the credit report that they pulled from which is XXXX. Citicard does not have any way to reach an application manager for a reconsideration. I believe CitiBank adverse action letter is incorrect due to the credit report that was pulled from XXXX which shows 40 accounts in good standing along with over 5 years of average history. to me that doesn't not seem like a insufficient number of accounts.
Consumer complaint received 2023-04-25
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. (IL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.
Consumer complaint received 2023-12-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Checking account had fraud so I was stated to put money and automatic deposit to a savings while they investigated the fraud they determined it was me knowing they have the fraudulent deposits to my account so they forced closed that checking account and took {$4000.00} from my savings to cover the so called fraudulent activity and basically blamed me
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (AZ)

XXXX, XX/XX/2023. I never applied for credit, especially with XXXX XXXX. 

XXXX XXXX XXXXXX/XX/2023. These, I assume, came with car shopping as a co-signer, I didn't know they were going to submit credit applications to other banks. 

XXXX XXXX XXXX, XX/XX/2023. Also, I assume these were from car shopping ; however, they never mailed a reason as to why and I never approved of them running it XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/2023. I applied for a credit card but didn't know they would leave a hard inquiry on my credit report. 

XXXX XXXX XX/XX/2023. Just went in to look around for a car, but never purchased it from there. Also never gave consent to run a credit application because we didn't need to.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

reached out to company to report the fraudulent account. also requested a fraud packet from them in order to get the matter resolved. i have not been able to reach the companies and they are reporting to my credit which is affecting my living situation.
Consumer complaint received 2024-05-13
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. (AZ)

I am writing in response to the recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX XXXXXXXX Balance Owed : {$340.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update these disputed account. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated according to Section 1681i ( a ).
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (NY)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, KS XXXX Account number : XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2023-12-06
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)

Equifax has failed to investigate the accounts that were involved in the Equifax data breach properly. I am a victim of the Equifax data breach, and Equifax 's neglect to remove the accounts that were a cause of this breach is seriously damaging to my livelihood. Please take this matter seriously, as Equifax is the root cause of my suffering!
Consumer complaint received 2024-07-30
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: Experian Information Solutions Inc. (KY)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX
Consumer complaint received 2023-12-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC (OH)

This year my home was in foreclosure and I applied for help through Save The Dream here in Ohio. I was approved for the assistance through the state. In XXXX of this year ( XXXX ) the state of Ohio sent the first payment of {$9600.00} to the mortgage company and a week or two later sent in another payment for the actual monthly mortgage. I moved back into the house on XX/XX/XXXX. Later on in XXXX the mortgage company called me and stated that they were short on the monthly payment and were only getting a partial payment, which isn't true. The mortgage company was taking the monthly payment and taking half of it and sending towards " other fees ''. I asked what those other fees were and they said Property Preservation and changing out the locks. I told them the property had not been maintained and that the grass had not been cut at all. there was trash in the driveway and in the yard. I then called Save The Dream here in Ohio and they told me to get a dollar amount from the mortgage company and that they ( Save The Dream ) would send a check for any fees or late charges that were due. I then called Village Capital and Investment LLC, which is the mortgage company and told them to give me a dollar amount that was owed. Now, before I go any further, back in XXXX when the state of Ohio sent the first check of {$9600.00}, Village Capital told me that I was CURRENT, and could move back into the house. Apparently CURRENT means something different to my mortgage company. So once i got the dollar amount from the mortgage company I called Save The Dream back and gave them the dollar amount and I was told by Save The Dream that they would send the check for the remaining balance. Now several months later, in XXXX ( XXXX ) I get another phone call from Village Capital stating that once again they only received a partial monthly payment. The mortgage company stated again that part of my payments were being used towards other fees. I told them that this was a situation that I had already handled several months prior in XXXX. So Village Capital is claiming that {$400.00} and some change is owed towards XXXX and I can't make a XXXX payment until Village Capital send the proper paperwork to Save The Dream Ohio. I reached out to Village Capital through email and told them it was their job to relay this information to Save The Dream. From XXXX till now, XXXX ( XXXX ) Village Capital has not once communicated with Save The Dream Ohio. And the motrgage company is always sure to make sure that they wait long enough to contact me so that there is ALWAYS late charges. I'm waiting on Save The Dream to get the paperwork from Village Capital so that Ohio can pay anything that is still owed from XXXX to XXXX.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

( NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. )
Consumer complaint received 2024-07-30
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. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-22
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please update this account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I appreciate your time to REMOVED some of the items in my file that resulted from an alleged identity theft but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous complaint & I am including it here again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX