davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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. (DE)

In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. The credit report stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date lady active is inaccurate and date last reported is inaccurate. This is grounds for removal due to a violation of my rights under 15 U. S. C. 1681 Section 602 A stated I have the right to privacy. 15 U. S. C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have attached and highlighted the accounts incorrectly. 

Items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate 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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

There was a fraudulent charge on my credit card bill in XX/XX/XXXX for about {$180.00}. I found the problem and called Bank of America immediately and filed a fraud alert. They promptly canceled my credit card number and sent me a new one, and removed the charge from my account. In XX/XX/XXXX, they reinstated the charge stating that they investigated and found in their opinion that the charge was authorized. Neither I nor my wife ( the only two authorized users ) made this purchase, nor did we recieve any products from this retailer ( located in Florida, and we live in Michigan ). I contacted BoA and complained that this was not a charge I authorized and it was fraud. They said they would look into it, after I pushed them very hard. They initially told me, that they did not believe me, and tough. I asked them for the retailers contact information and they gave it to me. I called the numbers only to find that they were no longer in service. I went to the retailer 's website, but it does not exist. I called BoA again and protested that this retailer does not exist. They assured me that their fraud team was looking into it. I received a letter from BoA in XX/XX/XXXX stating that they were not going to change their position on the fraud charges, and that I had to pay them the ~ {$180.00} and my only recourse was to not pay it and send the credit agencies a letter for my soon to be poor credit report. 
I need your help to hold this bullying bank accountable to honor their contractual agreement to not hold me liable for fraudulent charges. Charges that I identified for them, but they refuse to accept as true.
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MO)

My account was written off in XX/XX/2016, in XX/XX/2016 Citi Mortgage got an insurance check for {$60000.00} paying off the account balance of about {$45000.00}. The mortgage company is refusing to tell me where the overage went, or return it to me. XXXX in the foreclosure department told me they sent it back to the insurance company. XXXX, my insurance adjuster told me it was never sent back to them. When I asked XXXX for the amount sent and check number, she said I had to speak to another department, and transfered me to a disconnected number. The remaining balance is suppose to be used to clean up the property, as it was a fire, and total loss, but the structure is semi remaining. 

It seems Everytime I call Citi Mortgage, they transfer me multiple times, and never answer my questions.
Consumer complaint received 2023-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

As of XXXX XXXX XXXX I can't sign in to my Venmo account. When I try, I get the following error " OAuth2 Exception : Unauthorized action.. ''. I was able to reset my password ( confirmed via email notification ), but even with these new credentials, I get the same error. As a result, I can't access any of my funds or make new transactions.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

In XX/XX/2023, I reviewed my XXXX credit report and noticed that there were 2 accounts showing that I did not open and did not belong to me. I reached out to both companies XXXX Synchrony Bank, SYNCB/PPC and XXXXXXXX XXXX immediately and informed them that the accounts did not belong to me and it appears my identity was stolen. I provided my full name, full address, full social security number and I was told that they did not have an account in their system, that matched my personal information. I was then advised by both companies that I needed to submit a dispute against the accounts directly to the credit bureau. 

Per their instructions, I submitted the dispute to XXXX. The response from the dispute indicated that the information was correct, therefore nothing changed on my credit report. I then contacted the companies again, spoke to Synchrony Bank Fraud Investigation Unit ( XXXX ) and was told that they would close out the card and send me documents regarding the investigation. I was also told to complete the fraud investigation form and fax back to them ( at XXXX ). This was completed as well. 

I also contacted XXXX XXXX  again and informed them that the account was not removed from my credit report. I was then told to provide proof of the account that I am disputing. I then faxed a copy of the account as noted on my credit report to XXXX XXXX XXXX XXXX ( faxed # XXXX ). 

I also recently noticed that soon after I started the process, there was an address change on my XXXX and XXXX credit reports, which I did not authorize. I also disputed the address error. Additionally, the incorrect account is now showing on both my XXXX and XXXX credit reports. 

I also filed a police report with my local police department. 

There is currently a freeze on all three bureaus and a fraud alert was also placed. At this time I am waiting to hear back from both companies. 

This has caused a huge burden on me and I can not proceed with conducting my personal business and it is gravely affecting my credit. Any assistance you can provide in resolving this issue in a timely manner, would be greatly appreciated.
Consumer complaint received 2024-03-06
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. (MI)

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.

has violated my rights. Or a list of inquiries : 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 2021-05-19
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)

There are 4 accounts on my credit report and some inquiries which do not belong to me I need these off my credit since they are not mine I have not applied for these or used any of these!!!!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX. 
Account Number : XXXX Account Name : XXXX XXXX SERVICES Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2022-12-21
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)

Account # XXXX Auto Loan taken ut by XXXX XXXX XXXX Not XXXX XXXX, Should not show on my personal Account, Its paid by XXXX XXXX XXXX and not XXXX XXXX and the information is not correct and adversly affecting me
Consumer complaint received 2024-03-06
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. (TN)

I just recently looked at my credit report XXXX. I saw I has some hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX. These inquiries has no permissible purpose to be on my report. Delete this inquire due to violation of 15 USC 1681b
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN : XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect on my credit report.
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IA)

On XX/XX/XXXX, I was sent a video that I needed to watch telling me my escrow was negative and my payments were going to be adjusted. I had XXXX options, pay a lump sum of {$1600.00} or have my monthly payment increase by $ XXXX the next XXXX  months. If I took no action the XXXX was going to be the default payment raising my mortgage from {$900.00} to {$920.00}. 
However this was not the case, I received a email that the amount being withdrawn, since we are on biweekly payments was {$520.00}. This makes my monthly payment {$1000.00}.

I called NewRez the week of the XXXX to inquire about this. I was told it was to make sure my escrow wasnt negative again, when I informed them that this payment was the same amount that I owe for escrow, over XXXX months instead of XXXX, I was told that I should have never been offered the 60 month option. I told them, that I was, and I would like that rate. I was then told that it would have to be submitted for manager approval and I would receive communication via email within XXXX hours. I informed them that due to their track record of lack of communication and not resolving issues in a timely manner, that if I didnt hear anything in the timeframe or shortly after I would be filing a complaint. On XX/XX/10 the amount of {$520.00} was processed on auto payment without my approval.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MI)

Hello I have met the requirements for Citi XXXX XXXX XXXX XXXX bonus offer that I signed up for when opening my Citi checking account. I have been told by my multiple supervisor and agents on the chat and on the call that I have met the requirements on XXXX  and my miles will post within XXXX days of meeting the requirements. I am also adding the direct terms and condition which says the timeline of posting the miles but Citi promo department is saying the timeline is within XXXX days which is direct contradiction with the terms and conditions of the offer which I will adding below. I have tried to get resolved I want Citi to help me resolve it. 


To remain eligible, your Checking Account must remain open and in good standing from the time its opened until you receive your bonus. Your AAdvantage bonus miles will be credited to your AAdvantage account within XXXX calendar days from the date you complete all Required Activities. Note : You will not fulfill the offer requirements if your Eligible Checking Account or AAdvantage Account are closed at the time the AAdvantage miles are credited to your AAdvantage Account.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-04-14
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (NC)

I open secure credit account with first progress bank, was under the impression it was a good place to start rebuilding credit, just to find out this companies has a bad reputation with their customer in the past taking advantage, using them for their own personal gain, they have giving me a fax number twice to get my refund extradite faster since i closed down my account XX/XX/2023 now still refusing to pay me back my money the owe me, this is where they wanted me to fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX fax # XXXX
Consumer complaint received 2015-07-11
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed) (DC)

I received numerous voicemails from " Concord Resolution '' in XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX XXXX at Concord Resolution who informed me that I owed a {$300.00} payday loan from XX/XX/XXXX. They had most of my personal information including last XXXX of social, name, and address. I informed XXXX XXXX that this was not my debt. He said he would mark the file as my refusing to pay. On XXXX XXXX I sent them a verification of debt letter via certified mail. They have not responded nor provided any further information. 

I have never received a payday loan from any company. I reviewed my bank records and all other information and this debt is not mine. This is a fraudulent attempt by Concord Resolution or " XXXX '' to steal money from unknowing consumers.
Consumer complaint received 2024-03-06
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. (DE)

Experian Credit Reporting Agency continues to Report unvalidated debt. 

Experian you are now in violation of my rights. I reached out XXXX XXXX XXXX XXXX XXXX XXXX XXXX. a Collection agency regarding a debt that showing on my credit report Account XXXX XXXX, I requested Validation of the debt and they did not respond. 
I sent you ( Experian ) all proof of my correspondence to XXXX which included letter registered mail and signature was required with NO RESPONSE. Experian says they have verified the debt belongs to me and I havent received proof from anyone. 
This has created me from being able to make financial decisions for me & my family. It deflamation of my character. 
Experian Credit reporting agency is creating a hardship on me along with mental distress.
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 — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

I just login to my XXXX XXXXXXXX and see banks been tired to open, loan application also, collection that I didnt do theres a lot from XXXX Law-15 USC 1681- XXXX- collection {$1900.00} Chase call me and said I have an bal of XXXX XXXX call me said I have a XXXX XXXX call me and said a XXXX XXXX call me saying a XXXX check was deposited and they close my XXXX XXXX XXXX XXXX business call me saying a XXXX check was deposited and they closed my account Nobody told me what to do how to go about it so Im reporting everything to get off my credit I didnt make any of these charges or tried to open any accounts i only have 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 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 2022-12-21
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. (MD)

Hello, I've called Transunion credit agency numerous of times to get this matter resolve. There are a lot of inquires on my credit report that does not belong to me. Both XXXX and XXXX and has all the correct information.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.