davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (HI)

I had my identity stolen by person name XXXX XXXX XXXX from XXXX XXXX XXXX but lives in XXXX XXXX XXXX and another person name XXXX XXXXXXXX from XXXX Hawaii XXXX and made fraudulent accounts like XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX Plus LVMV funding llc
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (GA)

CoreLogic continues to report inaccurate information on my consumer report. This inaccurate reporting is causing me to do business in food faith. 

My name is XXXX XXXX. Remove any other spelling of my name it is not mine. 

My address is XXXX XXXX XXXX XXXX, GA XXXX. Remove any other address it is not mine.
Consumer complaint received 2022-11-08
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00}, XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MN)

While reviewing my AMEX SERVE account, I noticed some charges that I did not make. I called customer service who put me in touch with their fraud protection division. I asked for a review of the {$160.00} charge to XXXX, a company Inever heard of, and they suggested I close the account and get a new card. The next day XX/XX/XXXX, I received an e-mail saying my dispute was declined. 1 minute later I received another e-mail saying my account had been locked and suspended for violation of the card agreement. I sent a letter asking for proof of the charge but have not yet heard back. OnXX/XX/XXXXI called to find out the status of my new card but was told only that my account was suspended for improper use. AMEX suspended my account at their suggestion since we thought the account was compromised. Yes the card was used in violation but NOT BY ME. AMEX has not provided documentation of the charge in question and decided to not send me a new card without informing me.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAINE & WEINER COMPANY, INC. (MA)

I disputed a collection account from Caine and Weiner with XXXX. I was able to prove I canceled my XXXX account XX/XX/XXXX but was continued to be billed till XX/XX/XXXX. These are fraudulent charges. The item was removed from XXXX report on XX/XX/XXXX but showed up again. 
It did not stop being fraud! I should not have to dispute over and over.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I received a targeted offer to open a Citi Priority Checking account with the Member AA Miles Checking Offer. The account was opened on XX/XX/XXXX and I received a " Congratulations '' email on XX/XX/XXXX to confirm my enrollment in the offer. To earn the AAdvantage bonus miles of XXXX with a Citi Priority account, I had completed the {$750.00} in Qualifying Citibank Debit or ATM Card Purchases and made 1 or more Qualifying Bill Payments for 2 consecutive calendar months. The bonus should have been credited to my account within 30 calendar dats of the date I completed all required activities so long as my account remained open and in good standing until I received the bonus. I completed the outlined activities by XX/XX/XXXX by spending $ XXXX with my Citi Priority Debit or ATM Card and XX/XX/XXXX I made the second consecutive Qualifying Bill Payment. I contacted support over the phone in XXXX to check on the status of my bonus- as 30 days had elapsed since the completion date of XX/XX/XXXX - I was told that I should expect the bonus to post 60 days after the end of the promotional period. The promotional window was for 60 days, which would mean if I opened my account on XX/XX/XXXX the 60 day period would end on XX/XX/XXXX and allow 60 days processing time to target roughly XX/XX/XXXX. I patiently waited until well after the estimated timeframe and reached out to Citi bank via their secure chat feature on XX/XX/XXXX. I had a very pleasant experience with a representative who confirmed I met the qualifying activity and they would submit a request to have it investigated and credited to my account. I was told to expect a response via the secure message center within 5 business days. I most recently reached out to Citi via the secure chat function on XX/XX/XXXX and asked about a status update. I was told that it was a different department and that I would be contacted when they have completed the investigation with no timeline given on when to expect a response ( at this point I'm guessing much more than 5 business days ). Given my patience and persistent attempts to get a resolution from Citi Bank, I am filing this complaint as the bonus offer was not fulfilled on their end per their advertising.
Consumer complaint received 2023-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 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 CHILDSUPPORT 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 2022-11-08
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. (NM)

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX 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 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 2023-06-06
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: S&S Physician Services, Inc. (TX)

I did not give HARVEST ASSOCIATES INC the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. 

HARVEST ASSOCIATES INC and XXXX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give HARVEST ASSOCIATES INC permission which is another violation.

TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with HARVEST ASSOCIATES INC yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing XXXX different dates violating me even further. 

My complaint is also with XXXX who is allowing HARVEST ASSOCIATES INC to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681.

USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from XXXX.
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (TX)

This is a credit card I had back in  XXXX . The card was paid off in  XXXX  but shows my last month was late b y 90+ days. I was not late but rather I paid in full. I tried contacting tribute ( phone and address is now for a card " aspire card '' ) the guy tells me tribute is a closed company and he ca n't do anything about it. I want the whole account rem oved from my credit reports.
Consumer complaint received 2023-08-08
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. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-06-18
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: DISCOVER BANK (NJ)

In accordance with the fair credit reporting act XXXXXXXX XXXX  Account Number : XXXX has violated my rights 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
Consumer complaint received 2023-09-27
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. (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 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 2022-11-08
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. (TX)

I am a victim of identity theft. I have never done any business nor do i have any agreements with these companies that I have mentioned in my ftc report, it is s attached to this complaint as well as my identification.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Per my credit card reward plan, I am eligible to receive XXXX annual anniversary points ( equal to {$100.00} ). Per my discussion with customer representative at Capitalone, they agree I am eligible for XXXX points and I have received it in XX/XX/2023. However, I don't have any way to check whether I received it or not. So, I ask capitalone I can't trust on verbal confirmation based on my past experience with capitalone. I need evidence in writing either email or statement or any written confirmation that I have received it. Otherwise I won't be able to confirm whether I received those points or not. However, customer support representative and supervisor told me they can not provide any written evidence. So, basically I have to trust whatever they are telling me verbally on phone, which I can't based on history with capitalone. 

Even Capitalone statement for the month ( XX/XX/2023 ) doesn't so any information instead say due error no reward information is available for that month. So, All supervisor is telling me to accept verbal confirmation. Following is reference to my conversation with supervisor : XXXX
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (RI)

I have been attempting to resolve these concerns with Fay Servicing , LLC since transfer of my mortgage XX/XX/XXXX, while in the midst of a modification with the prior Servicer. The transfer of the loan changed the terms from XXXX XXXX  ( since the loan inception in XX/XX/XXXX ) to non-XXXX XXXX, limiting my consumer protections and thus substantially altering the terms of my loan. Despite the completion of the TPPs, Fay immediately began making demands for escalating amounts of monthly payments ; significantly altered the terms of the modification ( while telling us for a year that Fay was obligated to honor the terms of the prior Servicer ) ; lied to XXXX escalation dept stating the mod was HAMP Tier 1 ; lied to CFPB stating the terms of Fay 's mod was more favorable than that of the prior Servicer ; Fay backdated documents and NEVER executed the contracts or returned fully executed documents to me ; refused to provide an accounting of alleged principal error ( and now denying principal error despite the legal dept stating this in response to CFPB ) ; application of tens of thousands of dollars of " misc fees '' including several $ 14K fees ; misappropriation of payments ; demands for arbitrary payments ( altering the monthly demand from {$1300.00} to {$2000.00}, and changing the principal from approx $ 316K to more than $ $ 400K ) ; failure to apply full payments to alleged " suspense funds '' ; dual tracking the loan while payments were current and informing me to " just ignore '' these dunning legal notices ; refusing to honor a year of promises that all payments, credits, and fees would be correctly applied after Fay completed its acct assessment ; refusing to put any information in writing ( including specifically refusing to answer questions we were instructed to put in writing ) - a behavior that is noted on the CFPB site, the RI Atty Genl 's website, and those of other consumer advocacy agencies to be of high concern for fraud. In addition Fay 's deceptive and duplicitous financial dealings, their arbitrary and capricious misapplication of funds and fees, and wreaking havoc with my mortgage and stressors during a time of medical crises, Fay has also utilized harassment and bullying tactics to dual track my account, and to discriminate against us for XXXX and the use of XXXX funds. 
Despite the CFPB 's Consent Order against Fay in XX/XX/XXXX, Fay has ceaselessly continued its abusive and coercive tactics. Fay continues to mislead the consumer, dual track my acct, apply exorbitant fees without explanation, extort monies I can not afford, continually threaten default and foreclosure, discriminate against us based on XXXX and the use of XXXX funds, and REFUSED a $ XXXX Hardest Hit Funds award that I was granted ( after initially accepting ) and that would have assisted significantly in making payments affordable and thus avoiding foreclosure. 
-- PLEASE SEE ATTACHED MORE EXTENSIVE EXPLANATION
Consumer complaint received 2018-10-15
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: SYNCHRONY FINANCIAL (CO)

I had a Synchrony Bank card via TJMaxx and I had noticed that there was an account that was reporting on my credit report with a number I was not familiar with and I submitted a complaint that my card or identity had been used to get a fraudulent card. I was very upset and concerned and the matter was addressed over the past 7 months. Synchrony bank was actually opening up new account with new account numbers every time I called or wrote or disputed the unknown numbers and not telling me that these were in fact the same account until XX/XX/2018 and after multiple phone calls, FTC report and multiple investigations when I finally contacted the " executive office '' it took so much time that I actually lost nearly 3 days of work time working on correcting the issue and WAS NEVER NOTIFIED each time they assigned a new number for my card therefore I believed that someone was opening multiple accounts with my information. It was impossible to talk to anyone who understood my concerns and could never get a last name or direct contact when I called back and had to repeat my story over and over again. Not only was this incredibly upsetting and harmful, my credit scores have been compromised for over 8 months during these investigations. I am overwhelmed with what it has taken to understand what was going on and had multiple employees get angry and even hang up on me. I am appalled as I have had many Synchrony bank accounts over the years with absolutely no issues. This has been extremely harmful, I have been denied 2 loans and multiple credit cards and I am paying very high fees for insurance. I was even denied employment from a company that I excelled in the interview process and most likely was told my credit score hurt me. The variety of events that this affected has cost me embarrassment and well as financial hardships.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (CA)

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I can't purchase anything as this information is defemation of character.