davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my second 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$7300.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance XXXX {$93.00} XXXX XXXX  XXXX Original creditor XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX - XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance XXXX {$93.00} XXXX & XXXX XXXX Original creditor XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$7300.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX Balance XXXX {$93.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$120.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$5200.00}
Consumer complaint received 2024-04-28
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

I was given the reason that synchrony bank close my account was due to multiple cards high balances and not having real estate assets. The fact of the matter is, Ive significantly paid down my credit cards debt and outstanding medical bills. My credit score has gone up in the past 30 days I believe a factor they close my account is due to MYAGE. I paid off my XXXX XXXX  card, and Lowes credit card with synchronicity in the last 60 days Synchronicity decided To recently close my Lowes card After it was paid in full, they also close my CareCredit account and my Crate & Barrel account. I was not past due on paying my credit cards, but because I had auto pay set up, they attempted to withdraw a payment several times From an old bank account within the same pay Period when I didnt have funds available. 

I enjoyed having the cards open and appreciate them extended credit to me. They are A major factor at driving down my credit score, driving up my interest rates Making it that much harder to reduce my debt with other credit card providers. 

Again, I am a woman of a certain age that doesnt own real estate that has a steady six figure employment. Age and sec is playing a factor here which is discrimination. Their analytics programs should be investigated and my credit score should have any negative impact reversed by the credit bureaus.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im rejecting your position to decline my identity theft. Who are you to know if Ive been a victim or not? You have XXXX authority or legal position to make this claim. If you continue to decline my position I will be contacting my attorney to pursue a legal remedy. Please see my identity theft claim is processed by the letter of the law. Im providing you a legal law enforcement agency report which was filed with a federal agency. Lets get this matter resolved within the XXXX  days required.
Consumer complaint received 2018-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America credit card -Because BofA made a political statement about the XXXX XXXX they are forcing me to choose between my support of their company via a BofA credit card I use from my alma mater, and my support of the XXXX . They should stick to the business of banking and keep out of political arguments. I am very frustrated they have done this, and would like my complaint to be registered.
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX, and XXXX XXXX XXXX Account Number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 an 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 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXXXXXX
Consumer complaint received 2023-09-12
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. (CA)

XXXX, XXXX, and Equifax refused to accurately investigate or remove inaccurate accounts from my credit report as follows : XXXX XXXX with account number XXXX XXXXXXXX XXXX  with account number XXXX XXXXXXXX XXXX  with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXXXXXX with account number XXXX All of the above accounts are reporting inaccurate information and contain different information in all 3 bureaus, which violates 15 USC 1692e.
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (NJ)

I receive multiple calls a day ever since day. They call every single day, multiple calls from all different phone numbers. They do not leave any voice mails so that I can know who is trying to reach me and why. This has been going on for months. 
For the month of XXXX I have received approximately 81 phone calls. 
LVNV funding ( XXXX ) I have my call logs. They call from XXXX until sometimes XXXX XXXX XXXX 

I am attaching the calls I have that say their name XXXX XXXX XXXX XXXX  but there are many other calls that come from many different phone numbers that are also the same company.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX, I accessed my Synchrony account to find that {$49000.00} had been transferred out of my account to an account at XXXX XXXX  on XX/XX/XXXXXXXX  AND {$21000.00} had been transferred out of my account to a second account at XXXX XXXX  on XX/XX/XXXX. I immediately called Synchrony and had been told that 2 accounts at XXXX XXXX  had been added as external accounts and that the money had been transferred. I advised that I had NOT added these external accounts nor did I transfer the money. Synchrony has opened an investigation into this fraudulent transfer. On XX/XX/XXXX, I received paperwork to fill out, which was completed and overnight XXXX 'd back to them the same day. 

On XX/XX/XXXX, I received an email in my junk folder from XXXX. I did not open the email because I never heard of XXXX  but after googling them found out they were affiliated to XXXX XXXX, another bank I've never heard of until this incident. I did relay this information to Synchrony to include in my file. 

On XX/XX/XXXX, I received another email in my junk folder from XXXX. I still have not opened the email since I do not have an account, nor have I attempted to set up an account at XXXX.
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (FL)

On XX/XX/23 around XXXX to XXXX I tried to deposit {$340.00} into my account, after the atm finish counting my funds! It gave me a {$50.00} dollar bill and XXXX single dollar bills back which left me with {$290.00} to deposit! It then ask me was the amount correct? I picked return my funds back so I can add the {$52.00} back. So I repeated the process and it kept my money and didnt even deposit it in my account, then all of a sudden the atm stopped working then it rebooted! I waited and tried to check my account to see if the money was deposited but it wasnt so thats when I called the number off the but of course its after hours, so XXXX call first thing in the morning. Thanks for your time
Consumer complaint received 2023-09-12
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report. Thank you. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (TN)

I received a notice regarding an alleged debt from a company called SPRING OAK CAPITAL. I was not given enough information regarding this alleged debt. There are significant question regarding the information and how you obtain my name and personal information such as my address. They are in violation of the Privacy Act of 1974 per 5 USC 552a for infringing on my rights to privacy. This company has not provided the chain of assignment, Papertrail as proof that this account belongs to me, a contract bearing my wet ink signature, whether there is any insurance in connection to the alleged debt, or if this account has been reviewed by an attorney.
Consumer complaint received 2024-04-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC (OH)

Debt of {$110.00} was from XXXX and paid in XXXX. I have receipts from both the medical office and my bank. The medical office said at time of payment that the bill was resolved and would be removed from my credit history ( bills were sent by paper mail only to an old address ). The debt agency is now contacting me multiple years later claiming it wasn't paid. I called the debt agency, and they told me to file a dispute by email. The email they provided was fake.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to make a several attempt to dispute and request the deletion of multiple fraudulent and inaccurate items on my credit report, which are causing substantial harm to my financial reputation. These items include an inaccurate name, incorrect addresses, late closed accounts, charge-offs, unauthorized inquiries, and a public record, all of which I believe have been reported in error. 

Here are the details of the fraudulent and inaccurate items that I am disputing as well as needs to be delete : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$67000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$68000.00} XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XX/XX/XXXX It is crucial to emphasize that these inaccuracies are not a true reflection of my credit history. The incorrect name, addresses, late closed account, charge-off, unauthorized inquiries, and public record claims are all disputed, as they have caused significant damage to my financial reputation. I have never authorized or consented to the inquiries from the entities mentioned above, and I dispute the late closed account and charge-off claims as I have made efforts to resolve these issues, with supporting documentation. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to investigate disputed items on a credit report and provide me with the results of your investigation within 30 days of receiving a dispute letter. Therefore, I kindly request that you : *Conduct a thorough and exhaustive investigation into the accuracy of my name, addresses, late closed account, charge-off, unauthorized inquiries, and public record on my credit report. 

*Contact the respective creditors, collection agencies, and entities responsible for the inaccuracies to verify the information. 

*Correct the erroneous information on my credit report to accurately reflect my true credit history. 

*Provide me with a written response outlining the results of your investigation and the corrective actions taken.
Consumer complaint received 2023-09-12
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. (MO)

My past complaint XXXX I stated that my Equifax report said the only months I missed part of a payment was XX/XX/2022 and XX/XX/2022 but had missed payments on XX/XX/2022 and XX/XX/2022. However, my credit report was not fixed it stated that an investigation was completed but this mistake remains. if the only months I had a remaining balance was XXXX and XXXX, why do I have XXXX late payments in XXXX and XXXX. my past complaint was not properly investigated by XXXX XXXX.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recently found an account on my record that did not belong to me reported by XXXX XXXX XXXX. I contacted the company requesting validation of debt and found that the account was associated with a previous number, which was changed per XXXX by SSA due to me being a victim of Identity Theft. The company stated they had retracted the information, however, TransUnion continues to report this erroneous information.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my deep concern and disappointment regarding my previous dispute of fraudulent accounts on my credit report, which was recently rejected by your agency. However, I respectfully disagree with this decision and am continuing to dispute these accounts due to their fraudulent nature. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. You are not in the position to make determinations regarding material facts. You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 
The following accounts are the ones I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

Capital One Auto Finance has inaccurately reported late payments on my account. Amidst the challenges of the Covid-19 pandemic, I proactively negotiated with Capital One and reached an agreement based on the pandemic 's impact on my financial situation. Despite this agreement, Capital One has consistently reported late payments to all three major credit bureaus, further exacerbating my financial difficulties. I respectfully demand the removal of these late payment reports from all credit bureaus. Given that my account terms have been adjusted as part of our new agreement, it's imperative for my credit report to accurately reflect this understanding.
Consumer complaint received 2023-09-12
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b 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 2023-09-12
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MT)

On XXXX XXXX I contacted Citibank in regards to discovering my credit limit was drastically decreased after checking my credit. I spoke with several departments and supervisors asking why it was drastically decreased explaining that payments were never late and credit card was paid off early and there is continued use. They refused to tell me why or allow me to dispute this also refused to reinstate my original credit limit.