davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NJ)

XXXX made a mistake many years ago not finding equipment I returned. It went to collections. I fought it and won. I never owed any of this. It came off credit & was resolved. Now Transworld opened a collection on me & are affecting my score & calling me non stop. Emailing, etc. I dont even owe this & they cant just decide I have a new debt open that was from like 5 or so years ago & was resolved that I dont owe.
Consumer complaint received 2017-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NY)

My credit card has been decreased  2 timeshe and the last 2 years and they did it when I have made significant paymento to decrease the ba lance. This last time they said they mailed me a notice  XXXX   XXXX . I decreased the debt by over 50 %. This in turned messed up my credit because I went from over  XXXX  to  XXXX  and now it says I only have {$100.00} left. Which makes it look bad on my credit. I understand that they can do this but it seems like entrapment. I pay all my bills on time and I 'm never late. I have never had a credit decrease and after further research I keep reading this common practice for this credit issuer.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802. I was never given the opportunity to opt-out before anything was reported, which is a violation of my rights.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

Ive been with Navy Federal Credit Union for a few years and have never had an issue with them until now. Ive never did anything illegal with my account so for them to close my account for no apparent reason is ludicrous. I received a letter in the mail dated XXXX XXXX stating Navy Federal monitors accounts and transactions to identify activity or conduct that may pose unacceptable risk to the credit union, its staff, and its members. We reserve the right to prohibit any and all activity to, through, or from any Navy Federal account as we deem necessary. I then called the bank to resolve this and to also see whats going on with my account because I havent done anything wrong. They transferred me multiple times to different reps that couldnt help me then to the security department and they refused to tell me why my account has been restricted. Im really lost for words because I have credit cards, auto loan and loans with this bank. Every external bill I have is set up auto pay with this account now Im being charged for returned fees which equals in the amount of about {$400.00}.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

To Whom This May Concern : Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX I am a victim of an Equifax Breach ( see attachment ) and here is the proof. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. My information was impacted, and they refuse to remove the information by the Equifax Breach ( see attachment ). All 3 credit bureaus Equifax, XXXX and XXXX needs to remove this negative information as I was a victim of this data breach. 

XXXX XXXX XXXX and XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers with this information.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received a notice from credit acceptance that if I paid {$4300.00} within 90 days of the letter datedXX/XX/23 they would close my account and if the account was still reporting to the credit bureaus it would be updated to XXXX balance and paid in full for less than full balance. I paid the account in full onXX/XX/2023. I then called on XX/XX/23the rep stated the account was closed so I requesed a letter stating that it was paid in full and they would be updating my credit report. I was faxed that letter as well as mailed the same letter. I have had way too many issues with this company in the past so I disputed the info because I knew they would not update it accordingly and of course they responded to the dispute that everything was accurate on the account which is a lie.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (OH)

I noticed a credit entry for a MOHELA student loan on my XXXX report. My credit accounts were frozen but the student loan was still attached unimpeded. I never initiated a XXXX  and any contact with XXXX where the loan originated. I created an account with MOHELA and then saw the loan details including a phone number XXXX which is not mine. I contacted MOHELA and informed them of the fraud. They gave me XXXX names that I had never heard of ( XXXX XXXX and XXXX XXXX were contacts to the loan ). I also contacted XXXX XXXX XXXX to find that I had an account there that was frozen. When I finally talked to them, I started the account recovery process. I was told that the XXXX account had been created XX/XX/2023. A XXXX  was submitted to XXXX on XX/XX/2023 and accepted XX/XX/2023. The XXXX account was then frozen by using wrong passwords to block any changes. The email associated with the account/XXXX  was XXXX to me ( XXXX ). I then contacted XXXX and gave them the same information as above. They are working on it. I also traced the above phone number ( it is landline ) to a name and address in NY. I gave them that information as well
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair credit Reporting act, XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason purpose.
Consumer complaint received 2023-04-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (ID)

I submitted 3 letters to Experian. One letter on XX/XX/23, XXXX letter on XX/XX/23, and another letter on XX/XX/23. I received a letter dated XX/XX/23 - report # XXXX stating they received a request that does not appear to be sent directly by me. This is incorrect. I am attaching a copy of their letter, along with all of my documentation regarding my disputes. Experian on multiple occasions has not taken any action, sending me multiple letters from them stating that they are taking no action as the disputes are not being sent by me. Experian refuses to follow the law and investigate these inaccuracies on my credit report and delete the incorrect information on my credit report.
Consumer complaint received 2024-01-03
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: EQUIFAX, INC. (NJ)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (AL)

New collections on report. The accounts were previously listed as closed and no missed payments. Do n't understand how they now can be listed as a collection. I paid a law office to handle my creditcard and private student loans.
Consumer complaint received 2023-11-28
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I placed an order for a XXXX XXXX XXXXtem over a year ago. The promised delivery date was within 20 days. I never received the item. I kept calling XXXX XXXXn every few months and was told it was a really popular item and I would receive it. A year has gone by, I called XXXX XXXX again and was told by a supervisor that the order disappeared into a black hole and to cancel the order, they would issue the refund amount of {$830.00} on my XXXX XXXX credit card and then to re-order the item. XXXX XXXX did cancel the order, but have not issued the refund. I call everyday and get absolutely nowhere. I am out {$830.00} and have never recieved the item. I need help getting my money back.
Consumer complaint received 2023-04-22
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. (AR)

On XX/XX/XXXX of 2022 I pulled my credit report for the purpose of purchasing a home and noticed several incorrect, damaging and inaccurate accounts and other data throughout my Experian report the company holds under my social security number. Not only was I not aware of this information being reported by law I am aware that legally any information Experian is not able to validate and verify must be removed. I disputed these account and personal information on XX/XX/2022. Accounts with convergent outsourcing, A+loans and credit collection services are all inaccurate as I wrote to Experian to have these accounts removed, the company ( Experian ) simply wrote back that the accounts remained. Experian never verified or validated these accounts with proof of original contracts bearing my signature. I then wrote back to the company in XXXX explaining the laws they had broken and that. the accounts must be deleted. The company once again wrote back that the accounts remained on my report.
Consumer complaint received 2023-04-22
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. (GA)

My identity has been compromised I'm a victim of identity fraud. Please remove these inquiries from my credit report. 

XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone Phone number not available Inquiry Type IndividuaXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Inquiry Type IndividuaXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX OH XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Consumer complaint received 2023-11-28
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. (AL)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-01-03
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: EQUIFAX, INC. (AK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid 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: CITIBANK, N.A. (NY)

I am writing to challenge Citibank 's position on a disputed charge. I placed an order with a merchant. I did not receive my order. I contacted the merchant to resolve the issue. Then I contacted Citibank to resolve the issue when the merchant stopped responding. 

XX/XX/2018 - Order placed at XXXX XXXX XX/XX/2018 - Order had shipped according to tracking number XX/XX/2018 - I contact the merchant because the tracking number indicated that the order was delivered to me, even though it was not. I ask for assistance. 
XX/XX/2018 - I email the merchant again because I did not hear anything from them, and they have no phone number by which to contact them. 
XX/XX/2018 - The merchant informs me that they must open a claim with XXXX before they issue a refund or a replacement. They estimate that it will take 5-8 business days. 
XX/XX/2018 - 9 business days later I contact the merchant to see if there is any update. 
XX/XX/2018 - I am once again told by the merchant that after the final paperwork is received from XXXX, that they will issue a replacement or refund. 
XX/XX/2018 - I ask how much longer the process will take. 
XX/XX/2018 - After receiving no response I reach out again and ask for a refund. 

I placed an order with XXXX XXXX. I contacted the merchant as soon as I realized that there was a problem with the delivery. They had promised to address and rectify the situation several times. I have been sending Citibank emails and screenshots for months now, and I received a letter saying that they can not resolve the dispute in my favor because they have not received a " credit slip or chargeback approval from the merchant to prove they agree '' I am due credit for this charge. The merchant would not help me in the first place, which is why I had to resort to contacting my credit card company.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

I do not agree with the amount being demanded and threats to my credit report. I believe this is false inflation on behalf of the company. They adjusted my rate to be 3 times the original amount with no communication to me. I think cancelled and got this bill. i think this company is practicing fraudulent processes because its a service that everyone needs. I would like report this company for fraudulent activity towards me as a former consumer. There is no way I should have received a collection account for almost {$1500.00}.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made a bill pay check payment from my Business checking account ( XXXX XXXX ) to my XXXX for {$700.00} ( the payment was a XXXX  refund for their security bond ). 
The check was cashed by the XXXX once on XX/XX/2023 and the exact same check was cashed again on XX/XX/2023. 
I can not contact the XXXX, but I have raised the issue with Bank of America on 3 phone calls ( attached is the letters from BoA ). Each time BoA admitted it was their error that validated the check twice and promised the money will be returned within 5 working days. After the last phone call I attended the local branch where I was told that I have to pursue the case civilly and the bank will not refund me.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SLM CORPORATION (FL)

I hope this message finds you well. I am writing to express my deep concern and dissatisfaction with the actions of Sallie Mae, a financial institution that I believe has used my personal information inappropriately and has reported my credit in bad faith.

I have recently discovered a hard inquiry on my credit report from Sallie Mae, an institution with which I have no affiliation or recognition. I firmly believe that this hard inquiry is erroneous and has negatively impacted my credit score. 

Furthermore, I feel discriminated against based on my place of origin. This is not only a violation of my rights as a consumer but also a breach of the ethical standards that every financial institution should uphold.

I am confident in my financial behavior and I am certain that this hard inquiry does not reflect my actions. I am deeply concerned about the potential long-term impact this could have on my financial future, and I am determined to rectify this situation.

I kindly request your assistance in investigating this matter further. I am hopeful that with your intervention, Sallie Mae will take the necessary steps to correct this error, remove the hard inquiry from my credit report, and ensure that such discriminatory practices are not repeated. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AR Resources, Inc. (FL) (DC)

XXXX acceptance- {$8800.00}. XXXX XXXX {$570.00}. Dapartment of commerce- {$1100.00}. AR resource incXXXX  {$780.00} and hard inquiries i tryed contacting them no response.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (SC)

XXXX is reporting the following duplicate information on my credit file XXXXComenity Bank in amount of {$510.00} ; XXXX XXXX XXXX is also attempting to collect an outstanding debt for Comenity.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX reported my account late for XXXX and XXXX while the account was in a forbearing and mod. I sent them a copy oy my bank statement showing that the payments made and they still have not changed the reporting.