davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (MI)

Dear Sir/Madam, I hope this letter finds you well. I am writing to report an issue regarding the unauthorized enrollment into an Amazon store credit card without my consent. I am deeply concerned about the lack of transparency and the difficulties I have faced in canceling this credit card. 

On XX/XX/, I noticed that I had been automatically enrolled into an Amazon store credit card, which I did not request or provide my consent for. I have neither received a physical credit card nor have I been provided with a full credit card number. Despite my efforts to resolve this matter, I have been unable to cancel the credit card or obtain further information from either Amazon Customer Service or Synchrony Bank. 

I have made multiple attempts to resolve this issue by contacting Amazon Customer Service and Synchrony Bank, However, I have received no satisfactory resolution from either party. The representatives were unable to cancel the credit card enrollment or provide any additional information pertaining to the account. 

I kindly request that you take immediate action to cancel the unauthorized enrollment into the Amazon store credit card and ensure that no charges are associated with it. I have always been a valued customer of Amazon, and this incident has greatly affected my trust in the company. 

Additionally, I need clarification on how this unauthorized enrollment occurred and how my personal information was obtained without my consent. I request a thorough investigation into this matter to prevent such incidents from happening to other customers in the future. 

I have taken steps to monitor my credit and ensure there are no unauthorized charges or accounts associated with my name. However, I strongly believe that a prompt resolution from Amazon and Synchrony Bank is necessary to rectify this situation and protect the integrity of my financial well-being. 

I kindly request a written response from both Amazon Customer Service and Synchrony Bank confirming the cancellation of the credit card enrollment and any associated charges. Additionally, I would appreciate any relevant documentation or information regarding this matter.

If my concerns are not addressed adequately or if there is no satisfactory resolution to this unauthorized enrollment, I will be left with no choice but to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and seek legal advice to protect my rights as a consumer.

I am confident that Amazon and Synchrony Bank will take this matter seriously and resolve it promptly. I look forward to a positive resolution to this issue at the earliest possible convenience. 

Thank you for your immediate attention to this matter. I expect a prompt response to ensure an amicable resolution. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX, and I am writing this letter on my own behalf. 
I've received a copy of my credit report and found the following items to be in error : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 USC section 1681i ( a ) must complete the re-investigation within 30 days and provide me a copy of the original creditor 's documentation file, to verify this information is mine. Furthermore, FCRA section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) states that the original consumer contract must have my signature. If no proof otherwise, section 611 ( 5 ) ( A ) of the FCRA requires you to promptly delete these items. I demand these items be verified immediately. Thank you kindly.
Consumer complaint received 2024-01-02
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. (NC)

My purse was stolen during a football game in 2018, included in my purse was my driver 's license and social security cards. I made a police report and was advised to continuously monitor my credit report. I recently requested a copy of my credit profile and noticed accounts and inquiries that are not mine nor do I have any knowledge of. I've contacted both Experian and XXXX requesting verification in attempt to get this resolved. Neither company have provided an updated or resolution. Furnishing this information to my profile is violating my consumer rights specifically 15 USC 1681B, furnishing any information without my permission or written consent, and 15 USC 1681 C-2, furnishing accounts due to identity fraud. These accounts and credit inquiries that I have no affilation with are : XXXX XXXX XXXX AND XXXX XXXX. Credit Inquiries include XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX XXXX Im not sure who has been trying to gain lines of credit, but its severely impacting my credit profile.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

On XX/XX/2023, @ XXXX XXXX., I obtained a copy of my credit report from Experian. During my review, I noticed quite a few discrepancies, mainly with my personal information. I have contacted the bureau numerous times and sat countlessly on hold for hours of my life I can not get back. I sent them a certified letter requesting them to fix the incorrect information. The tracking number is : XXXX I advised them about the incorrect information and was rudely told that " they are a data reporting agency ; any data received by the creditor is stated and can not be changed or deleted by them.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-08-02
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. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing a formal complaint against XXXX for their failure to adequately validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : XXXX Account Number : XXXX Balance Owed : {$870.00}
Consumer complaint received 2024-05-07
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. (NC)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (GA)

My wife and I submitted an application through Navy Federal credit Union for a home loan. We sign documents for a 20 year loan at an interest rate around 12.85 % APR. We also submitted the request to proceed. However, I received a phone call from our loan officer XXXX XXXX, advising that we were not approved. I asked why, if we already signed E signed documents, given us the rates in terms, and she advised per our guidelines. When I requested what the guidelines were or any more detailed information, she was very vague. I asked to speak to her supervisor. Her supervisor never contacted me back. Had a XXXX contact me and stated because of our XXXX score after I requested to speak to Supervisor, the supervisor also stated to XXXX that they can submit for an exception to be reviewed and we will get a response back which we were denied again. I felt like it. This whole process was misleading since we were signing you signing documents with rates in terms my regular process was never signed any documentation I had to I knew that we were approved very misleading
Consumer complaint received 2024-07-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NE)

Bridgecrest is not updating my ledger in recent activity in refusing to document my latest payments made on XX/XX/XXXX and XXXX of {$25.00} and {$160.00}. They also have refused to send paper statements at my request.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

My credit score use to be over XXXX, recently it dropped below XXXX. I notice payment history was downgraded from exceptional to very good. When I look at the data it says no late payments for months and I know I have no late or missing payments for decades. 

I call Experian and they said they only look into monitoring issues and gave me an XXXX XXXX XXXX number to call. When you call that number you can not get to an agent, only order a credit report or lock. I need to speak with someone.
Consumer complaint received 2024-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

Resurgent Companies have emailed me on XX/XX/year> and XX/XX/year> claiming I have a debt that I owe amounting to {$1000.00}. They state a legal review may be approaching and that they will forward to an attorney for a possible lawsuit in less than 6 months.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XX/XX/XXXX( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXX ( XXXX ) 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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

There is collection & derogatory also unauthorized inquiry in my credit report. I contacted XXXX, XXXX, equifax, about the matter I asked for any proof that I initiated any inquiries they have yet to give me anything. Ive had identity theft in pass so I mentioned it can be from that as well. The things are out dated starting from 2007. These things are causing hardships in my life Im unable to obtain credit and having trouble with getting apartment. Please help
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint to address an issue regarding late payments on my credit record. After reviewing my records, I discovered the presence of these late payments. Despite sending letters about this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in promptly and effectively resolving this matter.
Consumer complaint received 2023-09-04
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc. (NJ)

This company XXXX inform me they sold a account under my name to another company. 

Its mean they sold all my private and or federal personal information like Names and last name, adresses, SSN #, birthday and or phone numers... 

Company like this sold all information of client to other companies...
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DigniFi (MI)

I am unaware of this debt I did not have the opportunity to dispute this debt correctly, I did not receive proper notification, if indeed you believe i have received proper notification of this debt, please provide copy of the certified mail receipt with my signature on there saying i received it.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent copy of my passport, lease agreement, bank statement and Insurance to my car reflecting my address @ XXXX XXXX XXXX # XXXX XXXX CA XXXX with all that a request CONSUMER STATEMENT to read ( Anyone trying to extend credit in my name to call me at ( XXXX ) XXXX ) instead see example 1 out of 3 responses from bureaus OBVIOUSLY THEY RECEIVED MY DOCUMENTS on top of all these lyes and frivolous response 's there sending promotional tools to by to get my reports this is a practice well known in your division CFPB which going pn 10 years allowing these companies to operate like this and one reason TranUnion turned there corporation into a LLC so they can continue to bait the consumer for the mighty dollar
Consumer complaint received 2019-05-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (MN)

My original loan was {$12000.00} I have 17 % interest I have been paying on my loan sinceXX/XX/2015 to day I am only 57 %  paid up on my loan I paid {$270.00} on time payments every month for the last 4 years I believe they are charging me over contracted interest rates. I believe this to be illegal and/or discrimination by Ally financial
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo made 2 unauthorized bill pays on XX/XX/XXXX ( {$3100.00}. ) and XX/XX/XXXX ( {$700.00} ) and said those were made by me. I did not. I reported to XXXX XXXXXXXX, NJ branch on XX/XX/year>. 
Enclosed please find documents including local police report. 
I am XXXX XXXXXXXX speaker. I do not know what I should do. I want my money back to pay property tax. It was 2 social security payments I kept for property tax.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX Pl XXXX XXXX, Ohio XXXX DATE OF BIRTH : XX/XX/XXXX Last XXXX SSN : XXXX Account : XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date : XX/XX/XXXX Dispute of Inaccurate Information on Credit Report Dear CFPB, This letter is to formally dispute inaccurate information on my credit report. I am writing to request your assistance under the following laws : Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( b ) ( XXXX ) : This law guarantees my right to a report that is accurate and up-to-date. FCRA, XXXX XXXX XXXX ( c ) ( XXXX ) ( i ) : This law allows me to dispute any information in my credit report that I believe is inaccurate or incomplete. FCRA, XXXX CFR XXXX ( d ) : This law requires the credit reporting agencies ( CRAs ) to investigate my dispute and respond within 30 days. Fair and Accurate Credit Transactions Act ( FACTA ), XXXX XXXX. XXXX ( a ) : This law prohibits credit reporting agencies from furnishing inaccurate or misleading information. XXXX has deleted this account from my credit profile due to inaccuracies. Transunion and XXXX continue to violate my rights by continuing to report inaccuracies which has tanked my credit score and caused massive stress! I request that the CFPB investigate this matter and instruct the credit reporting agencies to delete this account from my credit report. I have attached the following documentation to support my claim : I understand that the credit reporting agencies have 30 days to investigate my dispute. I request that you keep me informed of the status of my dispute and provide me with a copy of the investigation results. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Prior to the pandemic I opened accounts with XXXX and XXXX XXXX. When the pandemic occurred, I called both lenders and expressed my hardships along with making accommodations to pay and close the accounts. I recently viewed my credit report and both lenders are reporting late payments on closed accounts. This is in violation of FCRA law 15 USC 1681 S-2 ( F ). Not only were these payments covered under the CARES act, but I've paid as agreed and closed both accounts per my request. I reached out to both CRA ( Experian and XXXX ) via phone and mail requesting that this information be reported accurately. I have not gotten a response to my request. This information reporting inaccurately is severely affecting my ability obtain lines of credit.
Consumer complaint received 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A. (CA)

PNC Bank purchased my XXXX effective of XX/XX/2023. They took over the loan and blocked payments to the previous servicer XXXX XXXX XXXX, but then blocked registration to their online accounts for new customers like myself whose mortgages they had purchased. I was told that I would have access on XXXX and was told that this would be fine because it was within their grace period by a couple days, but when I tried registering I was still locked out and they were not willing to help me, instead directing me to do diagnostic testing for their website across multiple browsers in order to figure out their error. Since I have an XXXX XXXX XXXX XXXX I don't have hours of free time to provide free technical support to a major bank, so I was unable to register online and was forced to go into a branch to pay my account. Today I tried registering again and was unable to and still can't pay my account online.
Consumer complaint received 2024-01-30
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 ID THEFT, THE ACCOUNTS BELOW ARE NOT MINE. 
XXXX XXXX XXXX XXXX XXXX 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 2018-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

ON XX/XX/XXXX I PAID MY BALANCE OF {$3600.00} TO BANK OF AMERICA CREDIT CARD, ON XX/XX/XXXX I CALLED AND ASKED THAT THE ACCT. BE CLOSED, BECAUSE I HAD ACCT. INFO STOLEN & PHISHING SCAMS. I ASKED IF MY BALANCE WAS XXXX, WAS TOLD YES. ON XX/XX/XXXX XXXX XXXX XXXX ATTEMPTED TO TAKE A FRAUDULENT PAYMENT FROM MY CLOSED CHECKING ACCT. OF {$36.00}, WHEN IT WAS REFUSED, THEY CHARGED MY CARD A FRAUDULENT {$27.00} RETURN CHECK FEE ON MY CLOSED XXXX BALANCE ACCT. I SPENT 3 DAYS TRYING TO STRAIGHTEN THIS ERROR OUT WITH THEIR CS AGENTS WHO SOMETIME DURING THIS EVIL, SENT THIS {$27.00} CHARGE TO REGULATORY COMPLAINT SERVICING ( A DEBT COLLECTION AGENCY ) i GOT A CALL FROM XXXX XXXX XXXX WHOSE EXT # I DID NOT GET IN THE MESSAGE SENT TO ME AT XXXX XXXX ON XX/XX/XXXX. I CAN NOT REACH THIS COMPANY AND I CAN NOT GET THROUGH TO XXXX XXXX XXXX.