davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (IL)

some one stole my identity and opened a credit card in my name at floor and decor retailer. Once i found out about this issue, i filed a police report and notied the retailer, who opened a investigation. The investigation came back that i was not responsible for the charges and i was sent a letter stating as such. 
The retailer 's parent company keeps contacting me in regrds to the account, sometimes even twice a day. I have spoken with your representatives and informed them that this was a fraudulent account, and that I was told I am not responsible for the fraudulent account, as a result of the investigation comneity performed. I went on to explain that I was sent a letter from comenity verifying this. The rep named XXXX, at phone extension XXXX, option XXXX, proceeded to call me twice in one day. XXXX was very rude and confrontational, and accused me of committing theft and committing fraud. XXXX stated there is not any record of any letter on file and proceeded to inform me that she was going to report this to the credit bureaus if I dont make a payment today. 

Comenity bank even contacted me by phone, on Sunday XX/XX/XXXX at XXXX XXXX. This is a form of harassment, because I have told your reps over the phone on the recorded line, that community bank does not have any approval to contact me by phone at any of my listed phone numbers, or by email.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (FL)

Without any prior correspondence, I was erroneously sued and served ( & previously harassed outside my home on multiple occasions by the person trying to serve me ) by XXXX XXXXXXXX XXXX, XXXX on XX/XX/XXXX. The documents provided did not match my name, birth date, social security number, nor have I ever had a credit card with the company alleging the debt. 
My name is similar but the spelling is different. No attempt was ever made to confirm I was in fact the person they allege holds the debt. 
I called the attorneys office, XXXX XXXX XXXX XXXX XXXX XXXX to clear my name. They confirmed that my name, birth date, and last 4 digits of my social did not match the person they were looking for. They asked me to send them a copy of my drivers license and copy of my social security card to which, upon legal advice, I was advised not to do. I did send them an email stating that I was not the right person and had spoken to their representative who agreed I was not who they were looking for and asked to be released from the lawsuit. I never heard back from anyone regarding this matter until XX/XX/XXXX, an entire year later, when the attorneys sent me a Notice of Deposition in the mail. I called their office again and they agreed, again, my records do not match theirs and saw the notes in the file where I had called a year prior and they agreed then that I was not the person who holds the debt. They asked me again for proof to send a copy of my drivers license and social security card to which I told them I was not going to do that as I was not comfortable giving them sensitive information and was given previous legal advice not to send it to them. Why would I send people who clearly can't get a name correct my sensitive personal information?? They had no other options for me so I am now contemplating a countersuit. How negligent and unethical could two parties be?? You can't just pick a person out of thin air with a *SIMILAR* name.
Consumer complaint received 2023-10-23
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. (CA)

I applied for membership at the XXXX XXXX  XXXX XXXX XXXX and on there website it states they would run a credit check for Identification purposes only ( Soft Inquiry ) but they ran a full inquiry with Experian Credit Bureau which I now have a Hard inquiry on my credit report, I contacted both the Credit Union & Experian to dispute the inquiry because I didn't authorize it.
Consumer complaint received 2024-03-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A. (AZ)

Commencing on or about XX/XX/2022, I fell victim to multi-layered scam operation run by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX ( the Company ) from my XXXX XXXX account to XXXX at the instructions of the scammers.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

In accordance with the fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC1681 Section 604 A section 2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under15USC1666B A creditor may not treat a payment on on a credit account under an open and consumer credit plan as late for any purpose. XX/XX/2023 XXXX XX/XX/2023 XXXX
Consumer complaint received 2023-10-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (MO)

Hello, I can not amend previous complaints, however after being unable to open a CD account with BMO Alto I was supposed to receive a call back on the following day. I did not receive a call. I waited until the following Monday and now there is no way to contact the bank. Their phone systems are locked out saying today is a holiday XX/XX/23 which it is not. I spent an hour on the phone with BMO and they also do not have a way to contact BMO Alto. There is no email address or chat option, only phone number that immediately disconnects you. This is unacceptable. It is unacceptable to not be able to contact a bank over the course of several days. I already have XXXX accounts with BMO Alto and $ XXXX in assets across those accounts, but have no means of communication. Even the people at BMO were unable to help. I spoke with XXXX from resolution services and she admitted there was no way to contact the bank via email or chat only the phone number. She said best bet is to wait another business day and see if their phones start working again. Unacceptable solution.
Consumer complaint received 2024-03-16
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (MS)

I received notification that my credit limit was decreased on my Lowes, Amazon, and Sams club card based on false reporting on my credit ( USDA ) which is 100 % false! That is currently being disputed and I have proof of their false reporting. They also mentioned not paying off student loans, to which, I am a XXXX XXXX and subject to PSLF. XXXX payment while they are calculating MY government service credit ( still pending- XXXX PAYMENTS AT THIS TIME ). With these accounts, I have paid, on time, never late, and/or have paid off multiple times over! Synchrony should be ashamed of their actions against a loyal customer who has paid on time, all the time! As a matter of fact, Ive paid off 3 credit cards over the last 60 days! Please make this public and encourage consumers to go elsewhere!
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (OH)

My business was closed in XXXX. A former secretary had a business card in my name. Without my knowledge or permission she continued to use this card for her personal use until XXXX, XXXX. 

I did not know this card was opened, because a new card was opened in approximately XXXX. I thought the old card, opened in XXXX, was this new card. She had been using the old card and it continued to exist without my knowledge since approximately XXXX. 

This former employee also conducted business in my name, including operating bank accounts in my name. She forged my signature repeatedly on state of alabama bar complaints to avoid detection. In XXXX, this was discovered and bar complaints were resolved. 

But, this one card, and one bank account went undetected. it was recently discovered and the initial contesting of the charges was initiated in XXXX, XXXX.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nicholas Financial Inc. (GA)

Subject : Formal Notice of Intent to Pursue Legal Action for FCRA Violation Dear Nicholas Finance, I am writing to express my deep disappointment with your response dated XX/XX/XXXX, in which you have chosen not to provide the information I have requested obviously you enjoy going against the law. This information pertains to unauthorized credit inquiries made by your company, which, in my view, constitutes a violation of XXXX compliance and a clear breach of the Fair Credit Reporting Act ( FCRA ). In your response, you refer to certain credit inquiries initiated by me, indicating that on XX/XX/XXXX, I submitted an application to XXXX XXXX XXXX, and on XX/XX/XXXX and XX/XX/XXXX, I submitted applications to XXXX XXXX XXXX. However, I must emphatically state that I have neither provided consent nor authorization for these credit inquiries. Your company 's decision to absolve itself of responsibility by redirecting me to the dealerships for application verification is deeply unsatisfactory and evasive. I have made a legitimate request for the general or specific certification that was sent to the consumer reporting agencies, as per my rights under Rule 1002 of the FCRA. It is essential to remind your organization that FCRA Section 619 imposes criminal liability on those who knowingly and willfully obtain consumer information from a consumer reporting agency under false pretenses. Your company 's actions have caused me significant harm, ranging from the invasion of my privacy to disruptions in my financial and emotional well-being. As a direct result of your company 's willful violation of the FCRA, I have been unjustly denied access to new credit and increases in lines of credit. In compliance with FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ],
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I HAVE CONTACTED XXXX, EQUIFAX AND XXXX SINCE XX/XX/XXXX. NO RESPONSE. My identity has been stolen you are hereby put on notice for a second time. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. YOU XXXX, EQUIFAX, XXXX have aided this Fraud by not verifying these accounts.XXXX. The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXXXXXX XXXX. Unauthorized inquiry. 
XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! 
XXXX The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX SC XXXX XXXXUnauthorized inquiry. XXXX XXXX Date of inquiry : XX/XX/XXXX DELETE!!! 
XXXX  The following personal information is incorrect Former : XXXX, XXXX, XXXX Former : XXXX, XXXX, XXXX Former : XXXX XXXX * Account XXXXXXXX XXXX XXXX # Account Number XXXX XXXXXXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX
Consumer complaint received 2023-10-23
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. (NV)

On XX/XX/2023 @ XXXX I called Experian and spoke with representative named XXXX XXXX I asked XXXX to please remove the dispute from my credit report and update credit report to reflect XXXX balance. XXXX refused to remove the dispute and clearly stated, " I will not remove the dispute form your account because this is not something I would do for you '' I asked to speak with a manager and XXXX would not transfer to a manager and stated " why do you want to transfer to a manager '' I told XXXX XXXX was recording the phone call and XXXX became upset and stated YOU CAN'T USE YOUR RECORDING IN COURT BECUASE YOU NEVER TOLD ME AT THE BEGINNING OF THE CALL THAT YOU WERE RECORDING OUR CALL. YOU CAN'T RECORD ME OR USE THIS CALL IN COURT '' I could not get my report fixed or updated because XXXX was rude, disrespectful and belligerent on the phone.
Consumer complaint received 2023-10-23
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. (FL)

I sent a letter on XX/XX/2023 to Transunion, XXXX, and XXXX the following through XXXX XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S Code 1681a- Definitions ; rules of construction. 

The term " investigative consumer reports '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom she/ he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they spoke with and how did they conduct the investigation.
Consumer complaint received 2023-09-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (CA)

Hello I was trying to solve my problem with my late payments. And I received a phone call stating that they were able to take a payment on my home. Come to to find out the gentleman I spoke with was a scammer
Consumer complaint received 2024-03-16
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (VA)

XX/XX/2024 Today I went to XXXX XXXX to grocery shop for my elderly mother. While doing so I tried to use my Sams Synchrony card to purchase my mother groceries and my card did not work. They are not lawfully allowed to decline my card. under the 12 CFR 1666 ( b ) Timing of Payment. 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.
Consumer complaint received 2024-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (UT)

I checked my XXXX XXXX ( XX/XX/2024 ) to see yet again false fraud charges pinged twice. Original company of XXXX XXXX with the collections company Transworld Systems XXXX. $ First amount of XXXX and second of {$170.00}. 
Called XXXX XXXX and they were not able to give any of the false account information ie name or address etc. 
Calling Transworld during their business hours tomorrow.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NJ)

Had financial duress. Contacted the company to ask for help, did not help. Was put on a payment plan. Ive made each payment for that plan but Im still considered late. Please help me I need these late payments taken off my account.
Consumer complaint received 2023-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (VA)

XXXX Midland Credit Management is being inappropriate and unfair to me. They have refused to verify debt. THEY Claimed that they were going to sue me and constantly contact family members. I have asked them for required information on who they are and what's this debt all about and for the record I had no issue with setting up payment agreement. I sent them a certified letter return reciept. But there representatives have made mockery of my financial situation. Also they said they don't have to explain anything. They told me they have copies of all my credit reports and social security number and that it's already been given to a lawyer and I am in Big trouble now. They have yet to tell me I owe this particular debt and I just ask them to identify what's going on and they say pay now and save myself before it's to late. I asked them to stop contacting me cease and desist until they can be professional and they still contacted me.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have inaccurate information on my credit file for a very long time now Ive tried to dispute it many time but keeps getting rejected.. I have tried to explain to the companies and the credit agencies that this information is not accurate.. 

XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And that my personal information needs to be corrected as well. 

I have provided my bank statement to show my one and only correct address and spelling of my name..
Consumer complaint received 2023-11-13
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. (CA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2023-10-23
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I opened a saving account at Citizens Access on XX/XX/2023 in the amount of {$160000.00}. As requested online, I linked my checking account from other institution to newly opened account at Citizens Access. I authorized Citizens Access to fund the account by withdrawing funds from checking account held in other institution. Account was fully funded on XX/XX/2023. On XX/XX/2023, I requested to transfer funds back to the institution the money was withdrawn from. Later that day I was informed that my account was frozen and I can not withdraw money from it. Since the account got frozen, I called numerous times and spoke to different bank representatives including " managers '' but no one gave me a clear answer as to the reason the account got frozen. Finally, I got contacted by XXXX XXXX ( XXXX ) from the office of the chairman with instruction how to proceed. As directed by the Citizens Access ( I personally spoke to XXXX XXXX ), I contacted funding bank ( XXXX ) and asked to send an ACH reversal. Within one week of the request, my account at the funding bank was funded in the amount of original transfer of {$160000.00}. At this point I considered this issue closed. However, when I checked the balance on my account at Citizens access the funds were never withdrawn and it was still showing the full balance of {$160000.00} plus interest. I called numerous times Citizens Access to discuss this matter, but customer service representative and supervisor didn't provide any information except that the account is frozen, and it is under investigation and no further information is available. On XX/XX/2023 my account at XXXX shows a negative balance of {$160000.00} and I assume that Citizens Access didn't release funds. This money is the proceeds from the sale of my residence in New York that was sold, and I intended to purchase a condominium in Florida where I moved after the sale. Based on the action of Citizens Access, I almost defaulted on the purchase contract and was about to lose deposit given to the seller. My son-in law was able to lend me the money so the deal could close. When XXXX credited my account, I returned the money to him. Now I have an overdrawn account and indefinitely can not repay XXXX unless Citizens returns my funds including interest. I do not know when this investigation will end, its going on since XX/XX/2023. My original complaint was made in XXXX, and it is still not resolved. Funding bank was contacted, ACH reversal was sent but the issue still not resolved. It looks like XXXX credited my account with their own funds with the XXXX that ACH reversal will be honored. It looks like it wasn't.