davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (CT)

Synchrony Bank is a third party debt collector for Lowe 's XXXX XXXX credit cards. In order to force digital billing without itemization, Synchrony adds {$1.00} to each and every paper statement sent by mail monthly as a coercive tactic. I have spoke to Synchrony. The customer service reps display an attitude of indifference and indicate either " pay up or lose your credit. '' Digital billings are subject to changes by the debt collector without the consumer 's knowledge. Digital billings allow the debt collector to create duplicate accounts without the consumer 's knowledge. Digital billings are difficult to dispute because only the debt collector has a complete record while the consumer is forced to rely on the debt collector for information. 

I require a paper statement when I am being billed by Synchrony. I should not be forced to pay an extra {$1.00} for something to which I am entitled under the Fair Debt Collection Practices Act and Fair Credit Reporting Act.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

The accounts in question ( Dept of Edu/Nelnet ) all transfered to XXXX in XX/XX/2023 ( Please see Transfer Letter and XXXX Payoff and XXXX Balance attachments ). However, although Nelnet shows a {$0.00} balance, they have not closed the accounts or reported them to XXXX as paid off, so my credit report shows the same amounts for both Nelnet and XXXX ( see XXXX attachment ). The Nelnet accounts show as open and 0 % paid for each amount and this has already negatively affected our credit and ability to get a better car loan. I filed a dispute with XXXX in XXXX, but they resolved that we must contact Nelnet because the accounts are still open. I contacted Nelnet on XX/XX/23 and was told that nothing can be done because their bank has a " credit suppression '' hold. This is unacceptable. The accounts, by law, have to be closed and reported to all three credit agencies, including XXXX, as paid in full and closed. Nelnet refuses to take these rightful actions.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MS)

XX/XX/XXXX made an online payment of {$90.00} for a payment plan to Discover card- the payment cleared to be paid to Discover card. XX/XX/XXXX discover drafted another {$90.00} that didnt clear causing an insufficient funds fee of {$26.00}. I contacted them about the issue on that day & soon after another attempt was made to get the {$90.00} & my account accrued a 2nd insufficient funds fee of {$26.00}. I contacted them and asked to refund the {$52.00}. After phone tagging for several days my request was denied to have {$52.00} refunded to my account even though I made the payment on time & the money was in the account. I had asked to provide proof of my the transactions but was declined to do so. In the 1st attachments I took a screenshot of my payment to discover & the 2nd and final screenshots are of my bank account. It shows the 1st {$90.00} I paid on the XXXX cleared fine & my remaining balance was {$66.00} & change until 2 more attempts to get money were made by discover.
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (ID)

My mortgage is with Pennymac. Recently my monthly payment was increased due to increase in insurance. Pennymac is also sending me a check for an escrow balance beyond what I owed. Pennymac will not apply any surplus to my account. I have had no issue doing this with past mortgage companies. By not allowing this extra balance to pay ahead by the time my 30 year loan is finished I will be paying over {$1000.00} extra which delays my loan payoff by 2 additional months. This practice is deceptive and a way to squeeze additional interest out of the consumer.
Consumer complaint received 2023-10-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Hi, On XX/XX/, Chase Bank closed my checking account with around {$12000.00}. I went to the branch to collect my money and they said they could not give me my money and to call Chase. After calling Chase they said I will get a check in the mail within 10 days of the bank closing. Today is the XXXX day and I tried calling Chase but am not getting no response. I am a college student behind in my college payments because of the chase. Thanks again. Have a great day.
Consumer complaint received 2018-05-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I requested a credit investigation from Equifax in lateXX/XX/XXXX. Its nearly the end ofXX/XX/XXXX now, and I haven't gotten a response yet. They were supposed to respond by the end of XX/XX/XXXX.
Consumer complaint received 2023-10-16
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I called to ask for the best interest rate on both cards and was told they could not offer me a better rate. Was going by market value. Which I find very unacceptable. With the interest rate I am being charged I will never pay off these cards. This bank takes half of the payment in interest. I just want to verify that this bank is not using fraudulent practices with interest rates. That they are being honest in charging me this interest rate on both cards.
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX reported a hard inquiry conducted by XXXX on XXXX XXXX from XXXX XXXX - oh. This is the second hard inquiry from XXXX on XXXX XXXX. The first XXXX XXXX, TX. I reported this hard inquiry to cfpb on XXXX XXXX ( XXXX ). I was contacted by XXXX this morning and suggested sending a letter to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and did not open these accounts. Also, demand these inquiries be removed from my credit profile I didn't initiate any of them. I ask that these items be deleted to correct my credit report. Fraududlent accounts : XXXX XXXX  original creditor : ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. Fraudulent inquiries : 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 2023-12-24
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. (MI)

I have no knowledge of these hard inquiries. The hard inquiries are a result of identity theft and must be removed no later than 4 business days. As per 15 usc 1681c-2 block of information resulting from identity theft. 
Four attempts have been made to cure fraudulent reporting : XX/XX/2023, XX/XX/2023, XXXX XXXX another business location, XX/XX/2023. ( See attachment ) XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXXXXXX XXXX ( Bank ) XX/XX/202XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2023 XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX
Consumer complaint received 2023-12-10
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: CITIBANK, N.A. (MD)

I have a Best Buy credit card through Citi and experience XXXX fraudulent charges on my account at XXXX. XXXX XXXX XXXX unauthorized charges on XX/XX/2023 for {$290.00}, XX/XX/2023 for {$290.00} and XX/XX/2023 for {$290.00}. I filed a fraud dispute on XX/XX/2023 with Citi. I was credited for all three fraud charges and was told there would be an investigation. XXXX months goes by and I receive a letter telling me I would not be liable for the {$290.00} charge but would be responsible for the other XXXX fraudulent charges. Received a copy of the report from XXXX which showed the IP addresses, and shipping addresses were no where near me. They were on the other side of country. No idea who the people were. Somehow XXXX and Citi determined XXXX was responsible.
Consumer complaint received 2023-12-10
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

I purchased a XXXX gift card on XX/XX/2023 at XXXX. The gift card was issued by U.S. Bank Gift Card, but U.S. Bank failed to fulfilled the amount I purchased and voided my right to access the cash account. I tried over ten times trying to resolve this issue promptly, providing all required information such as copy of my ID, the receipt of the purchase and the gift card picture by fax, but they continously refusing my documents and keep blocking my account. 

I filed one complaint with the id-XXXX on XX/XX/XXXX and provide the required document again via email as instructed from the letter sent by US Bank multiple times . And they just never responded or resolved this issue.
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lockhart, Morris & Montgomery Inc. (CA)

Hello I am a victim of identity theft, I have no recognition regarding these fraudulent accounts. As I was looking over my consumer report, I noticed all these accounts that were not mine. I rarely check my credit report and now Im noticing all of these fraudulent accounts. I even hired an attorney to help me with this process.
Consumer complaint received 2023-09-25
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)

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts were opened fraudulently. According to the FCRA, all information furnished on a consumer report must be verified as accurate and with proof of consent by the consumer to share private information. According to this report, these accounts have not been verified or investigated as previously requested. Addresses are also on my report that I have never resided and have not been updated. The fact that the law is not being followed in this situation the credit bureaus will leave me no choice but to hold them accountable to XXXX $ each violation being reported on my credit report.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

I was told my American Express that my XXXX benefits were approved and active on both of my cards. However, today I was told today by XXXX in customer service that the XXXX benefits are now pending. I have opened several complaints again American Express due to the mishandling of my XXXX Benefits and I have yet to talk to anyone on the XXXX benefits team. They call me and leave me a voice message to call the phone number on the back of my card for assistance. I do what they tell me to do. I call the number on the back of my card and I talk to a representative. However, they can not assist me and they tell me someone will call me back. Well ... ..no one will call me back. This has been going on for 2 years now.
Consumer complaint received 2023-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Claim number with capital XXXX XX/XX/2023 XXXX charge made with lil XXXX XXXX XXXX to reserve hold on a dog I reserved a hold on a dog on XX/XX/XXXX On XX/XX/XXXX, my spouse lost her job at a XXXX  and I contact her immediately letting her know I need refund to financial issues now and she refused and or stopped answering XXXX Name XXXX XXXX XXXX All I need is a refund she offered to send that money to a future payment but won't work cus I need money now due to financial problems as we lost am income in the house
Consumer complaint received 2023-04-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (CA)

For many years XXXX years now someone has been impersonating my self and life. My phone number, bank accounts, social, birthday, addresses, and voice records have been compromised. I have faught with westlake financial for years showing proof of files police records and notarized letters and proof of identity theft documents proving it wasnt me that opened this account. And they keep denying it. Its holding me up from purchasing properties, and even getting a car loan I need this handled and removed immediately pls help
Consumer complaint received 2023-08-06
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: EQUIFAX, INC. (TX)

Previous complaint submitted on case # XXXX Transunion and previous complaint submitted on case XXXX XXXXno investigation was ever conducted. the matter was closed premature and without consideration to the violations of my rights to have my credit information to be reporting accurately. 

The complaint previously submitted with concerns of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Was never investigated, and remains negligently reporting inaccurately on my credit profile. 
1. I have summited evidence XXXX was reporting inaccurate by a payment history statement from their system. 
2. I have never borrowed any money from XXXX XXXX, XXXX is not even a lender. My promissory not clearly states the lender I borrowed from was ( XXXX XXXX XXXX ) If an investigation was conducted, Equifax and XXXX they would have notice that loan was paid in full two month early from my contract expiration date. 

I opened the Loan with XXXX XXXX XXXX not XXXX  on XX/XX/2022 which makes it impossible for me to have accrued a late payment in XXXXXXXX XXXX, therefore Equifax just changed the inaccuracy from XXXX to alleging XXXX. 

I submitted proof that XXXX XXXXXXXX XXXX contract is legally voided due to their willful violations of the Military Lending Act. I submitted proof the XXXX XXXX XXXX themselves voided the contract and changed the terms due to their violations of federal Law.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am a victim of identity theft. I filed a police report and a FTC report according to the FCRA and submitted disputes to the credit agencies. These disputes are not being processed correctly and the paperwork is not being submitted. 

These are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-24
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: JPMORGAN CHASE & CO. (FL)

I was trying to buy a house, but then I realized that I had damages on my credit report. According to the 15 U.S.C 1681 law there should not be any damages on my report. it is a defamation my character. 

I am wanting to dispute these inquiries to be deleted because I did not authorize these companies to run my credit, they are fraudulent.
Consumer complaint received 2018-05-23
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)

Experian is reporting a negative account that doesn't belong to me and have continually done so even though I have sent in all documentation and police reports for removal They removed the account and just recently placed it back on my credit file and will not reply or correct this
Consumer complaint received 2023-02-04
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: EQUIFAX, INC. (DE)

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the XXXX XXXX XXXX XXXX. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax, XXXX, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, the XXXX XXXX and XXXX XXXX Credit Card are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. Equifax, XXXX, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, Equifax, XXXX XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (WI)

Hunter Warfield is reporting a collection to my credit report and All charge-offs and third-party debts are considered Certificates of Indebtedness, which are treated as income and can not be reported to my credit report. 

This is also a violation of my privacy under the Privacy Act of 1974. You can not report without my consent. 

The Privacy Act protects individuals in three primary ways. It provides individuals with the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely, or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

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  Subject : Identity Theft and Unauthorized Collections on Credit Report Dear [ Collection Agency Name ], I hope this letter finds you well. I am writing to bring your attention to five collections that have appeared on my credit report, which are a result of identity theft. This unfortunate incident occurred on XX/XX/XXXX, when my car was stolen along with personal identification documents. 

I would like to clarify that I did not initiate or authorize any of the transactions associated with these collections. As the victim of identity theft, I have taken the necessary steps to report the incident to the relevant authorities, including filing a police report and notifying the Federal Trade Commission ( FTC ). 

Enclosed with this letter are copies of the police report and FTC complaint, providing evidence of the identity theft and unauthorized transactions. I kindly request that you review the information and take appropriate action to rectify this matter promptly. 

I understand that your role as a collection agency is to recover debts owed to your client. However, in this case, I am not responsible for the debts in question, as they were incurred fraudulently without my consent. I request that you remove these collections from my credit report immediately, as they are negatively impacting my financial standing. 

I have also taken additional steps to protect my identity and prevent further fraudulent activities. These actions include placing a fraud alert on my credit file, notifying my financial institutions, and monitoring my credit reports regularly. I encourage you to cooperate fully in this matter and help resolve the situation as soon as possible