davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
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: SYNCHRONY FINANCIAL (CA)

Submitted a dispute on XX/XX/XXXX. Synchrony bank closed my dispute shortly after without any investigation. Called in to re-open dispute on XX/XX/XXXX. Dispute was closed again with no investigation. On XX/XX/XXXX, dispute was reopened. This went back and forth numerous times, until the dispute was closed again with no investigation conducted. 

On XX/XX/XXXX, was told dispute was denied. No investigation was done ( again ). 
Called in again on XX/XX/XXXX and again on XX/XX/XXXX because of repeated difficulty to reach a human agent. Now told to fax my evidence ( for the first time ). I did. Received voicemail from Synchrony acknowledging receipt of fax on XX/XX/XXXX. 

On XX/XX/XXXX, told no fax was ever received. Dispute was closed again. Told to fax again. I faxed again. 

XX/XX/XXXX. On hold for 24 minutes with an agent only to have the call drop. Called again, told no fax was ever received. Throughout the entire 4+ months, no investigation was ever conducted. No information was requested from me. I still have not received my money back.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Adjustment Service, Inc. (MI)

I am not liable for this debt with XXXX. I do not have a contract with DIVERSIFIED ADJUSTMENT, they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me.
Consumer complaint received 2024-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Leaders Financial Company (FL)

Purchased a used truck through a loan with Leaders Financial in 2020. Completed the term of the loan with some late payments and paid the additional fees for late payments. The company is still charging me additional interest on the loan even though I paid ALL LATE FEES and made my last payment on the month it was due. They are calling it additional interest on the loan because of late payments. 

I feel it is unfair to charge me a late fee as well additional interest on a loan that did not go past the intended completion date. I consider it double dipping. Apparently, I am not the only person they do this to as the customer service rep that I spoke to stated that they get a lot of calls about this same issue.
Consumer complaint received 2024-04-03
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I had a fraud issue where someone stole my information and gained access to my account. This all happened XX/XX/XXXX as soon as I noticed my information was missing I called Bank Of America when I called the rep stated the best thing would be to have the account frozen and open another checking I said ok. I fast forward to XX/XX/XXXX my account was locked I could not log into my online banking I call and was told my account is being closed and I would receive a cashiers check I asked questions reps were rude reading scripts about the account being closed not one rep over the phone could answer my questions or help me. I then decided to go to a Bank Of America Branch which is located at XXXX XXXX XXXX XXXX, CT XXXX I figured it would be better for me to go to a branch in person so my identity could be confirmed. I spoke with a banker at the branch briefly the banker did not take my information or run my information the banker did not even ask me my name. I left for a second I came back because I needed to speak with a banker about my situation the same instance happened I spoke briefly with a banker for the second time still the banker did not ask for my name nor run my information which is negligence because I've never banked at the XXXX XXXX branch they do not know who I am. I went to the branch because it is the closest branch to where I live I usually go to the branch that is a town over from me. After leaving I called the risk and closure department and asked if I could pick up the cashier 's check in person I was told no it has to be mailed and it would take 10 days. The issue I have with this is when mailing a check the check can be mailed to the wrong person or to a person pretending to be someone I personally feel it would make better sense to make the account holder come to the branch with their ID and social to verify their identity and then issue the check once identity has been confirmed in person. I contacted the risk and closure department today XX/XX/XXXX I was told my account would be closed on XX/XX/XXXX this is a big problem I face eviction from non-payment of rent I take care of my Aunt that is XXXX and on XXXX  my Aunt can not stay in a shelter and we do not have family here in this state that we could stay with not to also mention it is holiday time and I literally have no money because BANK OF AMERICA HAS IT ALL. If Bank of America needs proof of where my money came from I can provide proof Ive received my money from employment, unemployment, student loans, and personal loans I'm willing to provide this information if it helps. A month from now is unacceptable please please please help get this resolved sooner.
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Someone open a XXXX XXXX XXXX account without my permission. I did not open or authorize this account, and I therefore request that it be REMOVED immediately. I am requesting that the items be blocked to correct my credit report. I also request that you absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (AL)

I called JC Penneyon XXXX XXXX XXXX to verify a charged off account on XXXX XXXX XXXXXX/XX/. I spoke to a representative and gave my social security # to access the account and the account can't be found. This account # XXXX obviously does not exist and the account should be deleted. 

JC Penney XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Summit A*R, Inc. (NY)

XXXX, XXXX ; XXXX, XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX is knowingly and willingly committed aggravated identity theft and these individuals have stolen my identity to fraudulently establish accounts and then sell those accounts to Debt Collector : SUMMIT ACCOUNT RESOLUTION WHO HAS TARNISHED MY PERFECT CREDIT SCORE OF XXXX BY A XXXX DEDUCTION now XXXX FROM XXXX. I have never done business with XXXX, XXXX who is fraudulently claiming to be an original creditor. These entities and individuals are stealing my identity to fraudulently create a {$300.00} debt that has damaged my credit and caused me commercial injury and harm. I am filing a federal criminal complaint as well as a federal civil complaint against ALL of the individual 's names above. These companies XXXX, XXXX, AND SUMMIT ACCOUNT RESOLUTION are committing FRAUD and aggravated identity theft as well as conspiracy. I have prepared and will file a Federal Criminal Complaint against all executives of XXXX, XXXX for Conspiracy, Identity Theft and Fraud. I will also be filing a Federal Civil Complaint. I have filed complaints with the FTC and received an Identity Theft Report. I have also filed an Identity Theft Affidavit with the IRS. I will also be filing a criminal complaint with th Sherrif Office where XXXX, XXXX is located in XXXX Florida as well as where SUMMIT ACCOUNT RESOLUTION is located in Minnesota.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

XXXX of XXXX, i was unlawfully discriminated against an provided a horrible customer experience by wells fargo and its representative agent. i did in fact apply to refinance my mortgage loan, which i was qualified to do so. wells fargo and its representative did not allow me to refinance my mortgage loan despite the fact i was qualified to do so. The wells fargo representative kept requesting i re send the same documents over & over. Even going as far as to speak with an request information from my supervisor at my job. This process went on for weeks. After a couple of weeks of disparate treatment discrimination. I found another lender, who i sent the exact same information, who then approved my refinance loan in 3-5 days. After my approval with this other lender, the wells fargo rep was still calling me an requesting i re send documents that had been sent at least 5 times. i requested this matter to be escalated at wells fargo and never heard back from them until i placed a call XX/XX/XXXX, And was told there was not anything that can be done.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: United PanAm Financial Corp. (MN)

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 UNITED AUTO CREDIT XXXX XXXX XXXX, TX XXXX AMOUNT OWED : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 : - Account Number or other information to identify account : XXXX - Source of Dispute Information : UNITED AUTO CREDIT - Type of Disputed Information : UNKNOWN ACCOUNT - Dates associated with item being disputed : XX/XX/XXXX XX/XX/XXXX - Explanation of item being disputed : I HAVE NO KNOWLEDGE OF THIS ACCOUNT IT IS FRAUDULENT AND INACCURATE Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (NY)

I have been contacted by Afni repeatedly over the past several weeks. Afni is attempting to collect a debt on behalf of XXXX. Afni uses robo dialers, Afni waits on the phone with long pauses, Afni also refuses to remove my number from their list. I was contacted by Afni on XX/XX/2024 and answered the phone to 30 seconds of no answer. I called Afni back and asked them to remove my phone number from the list. This is the second time i have asked Afni to stop contacting me and asked to have my number removed from their list. Afni refuses to remove my phone number from the list, and Afni continues to contact me using a robodialer.
Consumer complaint received 2024-04-03
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2023-11-27
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. (KY)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

the third party is trying to collect from a debt I don't know of. The agency failed to report validation of the debt that was owed to them, they also failed to show license and right to collect debt in the state of Florida where I reside. The agency violates the FCRA and is trying to ruin my credit report by reporting a debt I don't personally owe to them.
Consumer complaint received 2024-04-03
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)

Dear Sir or Madam, I am writing to dispute unauthorized hard inquiries listed on my Experian credit report. After reviewing my credit report, I noticed hard inquiries from " XXXX XXXX '' dated XX/XX/year>, and " XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX XXXX I did not authorize these inquiries, and I am concerned about their impact on my credit score and the possibility of fraudulent activity on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), I request that Experian investigate these inquiries and remove them from my credit report if they are found to be unauthorized or inaccurately reported. 

Details of the Disputed Inquiries : Inquiring Organization : XXXX XXXX Date of Inquiry : XX/XX/year> Inquiring Organization : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> I affirm that I did not initiate any credit applications or authorizations that would necessitate a hard inquiry from either " XXXX XXXX '' or XXXX XXXXXXXX XXXX XXXX Service. '' These entries appear to be mistakes or the result of fraudulent activities. 

Enclosed are copies of documents that support my position and highlight the unauthorized nature of these inquiries. 

I kindly request a prompt investigation into this matter. According to the FCRA, you are required to complete this investigation within 30 days of receipt of this letter. Should these inquiries not be verified as authorized by me, please remove them from my credit report and provide me with written confirmation of their removal. 

I appreciate your immediate attention to this matter and look forward to the resolution of my dispute.
Consumer complaint received 2024-04-03
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NC)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I received a response XX/XX/year> from your company, where as you the alleged debt collector has presented account statements and a cardholder agreement without a signature, this does not constitute proper validation of the debt. The absence of a signed contract agreement with the consumer and the original creditor along with the missing debt assignment agreement with your company and the original creditor has raise questions about the validity of the debt. My concerns are if I the consumer request documents for transparency or if I have any doubts about its validity, I have the right to request this information from the debt collector. Account statements does not justify validation, card agreement with no signature does not justify validation. This means that the debt collector must provide evidence that the debt is valid and that they have the legal right to collect it. Based on the information provided, it appears that further validation of the debt is necessary. Consumers Right to Request Debt Assignment Agreement It would be within my consumers rights to request a debt assignment agreement from you the debt collector. A debt assignment agreement is a document that demonstrates how and when the debt was assigned or sold to the current collector. By requesting this agreement, the consumer seeks further evidence to validate the legitimacy of the debt and ensure that it is being pursued by an authorized party. Along with the ownership purchase agreement please provide the lawyers your company used to analyze the debt account referenced before the alleged debt account purchase.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my fifth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$860.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My credit is being ran at several car places and credit card companies from XXXX until XX/XX/2023. 
I reported my identity theft info to the proper authories but nothing has been done This is hitting my credit hard and Im trying to fix my credit and there are over XXXX inquires from all types of financial banks for car loans that I didnt approve