davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-11
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. (NC)

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 of the erroneous information which is being posted to my report. 

Here are 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
Consumer complaint received 2023-03-01
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. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these accounts. 

XXXX XXXX  Bankruptcy XXXX XXXX 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 2023-05-14
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: SYNCHRONY FINANCIAL (NC)

I had a care credit account issue by Synchrony Bank. My account has been paid off and closed for quite awhile now. It appears that care credit has been reporting a delinquent account to all 3 credit agencies. I have reached out to them last year regarding this issue and let them know that I do NOT have another account. They did confirm that it appeared my name was attached to someone else 's account. I did report this as fraud and they were to remove this. I believe this was done but then placed back on to all 3 bureaus. I have reported this as identity theft and this company won't correct this.
Consumer complaint received 2023-05-30
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: JPMORGAN CHASE & CO. (CA)

Was told that my account would show XXXX balance & stated paid in full if settled a debt a few years ago. Little worried as it shows on my record until 2026.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

I have been placed on administrative forbearance outside of my choice. However I am paid up for the next 8 months. My PSLF will not count as I will be in forbearance against my will. I requested removal within 3 hours of notification and was told I have 2 months to wait. This is the inappropriate in the highest form, this is intentional abuse of power.
Consumer complaint received 2022-11-23
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. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-03-01
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Credit Recovery, Inc. (LA)

I do not owe this debt. 


Account Name SOUTHERN CREDIT RECOVERY Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$260.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Original Balance {$260.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX XXXX
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (FL)

I have attached an FTC report with inquiries I did not authorize, I also attached accounts that are reporting with errors on my credit report and need to be deleted. Please also update my personal information
Consumer complaint received 2023-02-22
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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, has violated my rights. 

15 U.S.C 1681 Section 602 A, which states I have the right to privacy.

15 U.S.C 1681 Section 604 Sections 2 : Also states that 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: ZIONS BANCORPORATION (TX)

I am writing to file a formal complaint against Amegy Bank regarding their handling of my business credit card application. Despite initially approving my application for a {$25000.00} credit card, Amegy Bank rescinded their decision without providing any explanation. 

On XX/XX/year>, I submitted an application for the XXXX XXXX XXXXXXXX XXXX XXXX with Amegy Bank. After review, the bank approved my application and provided me with the necessary disclosures via XXXX, which I promptly signed. Additionally, I submitted my signature agreeing to the terms of the credit card, including a credit limit of XXXX. 

However, shortly after receiving approval, Amegy Bank unexpectedly rescinded their decision without offering any reasoning or explanation for their actions. Despite my repeated attempts to contact the lender to seek clarification and resolution, I have received no response, leaving me with no choice but to escalate this matter further. 

I maintain an exceptional personal credit profile, with credit scores ranging between XXXX and no derogatory items on my record. Furthermore, I have responsibly managed multiple credit accounts over the years, ensuring timely payments and never exceeding credit limits. My track record demonstrates my financial responsibility and ability to manage credit effectively. 

In addition to my personal creditworthiness, I operate a successful business with a robust financial standing. My business credit profile reflects a strong score of XXXX out of XXXX, with credit lines as high as XXXX and a history of prudent financial management. Furthermore, my personal bank account boasts a substantial balance in the XXXX figures, underscoring my financial stability and capacity to meet credit obligations. 

Given my comprehensive financial standing, I find it difficult to comprehend the rationale behind Amegy Bank 's sudden reversal of their decision to approve my credit card application. I can not help but wonder if these denials may be rooted in discrimination which raises concerns about compliance with the Equal Credit Opportunity Act ( ECOA ). I am eager to address any concerns or discrepancies that may have led to this outcome and am committed to resolving this matter amicably. 

To facilitate further discussion and provide additional documentation, I have attached copies of my business credit report, certificate of filing, EIN, and the signed agreement for your review. I kindly request that the Consumer Financial Protection Bureau examine my application in light of the information provided and intervene on my behalf to ensure fair treatment. 

Thank you for your attention to this matter. I appreciate your prompt response and look forward to the opportunity to address this issue collaboratively.
Consumer complaint received 2022-11-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I reached out to XXXX once I discovered my account was flagged as delinquent. This was a surprise to me because my account has been on auto pay for over 10 years since my account creation. I had to call XXXX over XXXX times before a representative thoroughly investigated this matter. Through discovery, it was brought to my attention that XXXX had migrated from a legacy system which removed customers autopay. As a result, my account went into a delinquent state. This is clearly no fault of my own. I finally was able to get XXXX to submit a letter on my behalf to remove this late payment. However, the credit bureau 's did not remove this late payment and XXXX has stopped assisting. This is not fair or accurate reporting and has had a negative impact on my credit score. I work for the federal government and this is critical to my employment. This is completely unacceptable and poor practice.
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. (TX)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-01
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

The whole account is mismanaged.Lets start with the deposits made from the the a college institution to there financial institution or institutions.In beginning the school made the deposits to the third party banking institution called BankMobileVibe, Or Customers Bank a division of Bank Mobile. I have familiarized my self with every aspect in policy they have and I firmly believe my account has been mismanaged beyond comprehension and i am I in titled to a large substantial amount of mismanaged federal and state student funds given to them to disburse into one account through agreements guide lines and policies. I have not requested a new account through them, just have changed the information belonging to the original account such as Email, Number, Physical Address, and Mailing Address. I Keep all the information updated to current in a timely manner and have never lies or committed fraud agents this company. There website for the browser on the internet is a different pass word, the the actual tab, and different from the actual Application for the establishment. The deposits on financial aid through the college post accurately and timely. i use the official school website BakersfieldCollege.edu to check my deposits and times. I then match that to bank mobiles websites for list of refund deposits into the account its self. First they go from BankMobile to XXXX XXXX XXXX XXXX. Then it switches to a XXXX XXXX XXXX I had personal Debit and Checking Accounts That the ACH Transfers were made to through BankMobile I subsequently had to close them out do to fraud, Then it transfer to a different account at those same banks in some one else name why was my money deliver to some one else bank accounts Not IN MY NAME were I had No access to Funding that entitled to me through my institution. I demand a investigation on to my account and its Management. I then finally regained the BankMobile Vibe Account back but changes the preferences straight through there company. My account Statement Are Some what Accurate the Money goes into the bank account. A Refund Deposits is record in a separate section. The money gose into the account fraudulent activity occurs through multiple charges, ATM with draws and transfers, so much i cant follow but have documentation of Original non Altered Pictures of the records on a PDF format. They also Chang the debit card belonging to the account after so much fraudulent activity so I can barley trace the transaction card to card. Once I did this they Started purposely locking me out the account asking for verification of my identity, they Took my ID, My Social Security Number, in various forms like picture, verbal over the phone and once I did they immediately changed the account and routing number to the account I believe and new checks and savings account numbers as well.
Consumer complaint received 2023-03-01
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. the XXXX bureaus must validate this reporting account. It is not permissible to fail to validate this reporting account as unverified information without providing proof My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$37.00}
Consumer complaint received 2023-03-16
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (WA)

I own a XXXX credit card issued by Synchrony Bank. The account number for it is XXXX. Someone other than me made some purchase on the card which I reported to Synchrony n XXXX, Initially the reversed the charges and reissued me a new card. Then the charges reappeared. When I inquired with Synchrony again, they told me that my dispute was declined and when I asked why it was declined, they said because these purchases which required XXXX to send a download link were sent to me and that the softwares were downloaded using my email address. This can not be true for many reasons of which I have outlined a few below. 

XXXX. XXXX always sends and email after purchases and follows up with a link to download digital purchases. There are no records of me getting either from them. If I didnt get it, XXXX would have no record of them sending these confirmation emails to me. 

XXXX. XXXX always follows up with a phone call after you place an order with them to confirm them receiving the order. There is no record of them calling me around the time when these orders were made. I am happy to submit my bills for the phone nmber that I have registered with XXXX as proof. 

XXXX. My XXXX Sales Engineers name is XXXX XXXX. I have worked with him for a very long time. He can be reached at XXXX XXXX XXXX. He ALWAYS calls me when I make a purchase. XXXX and I have talked about these fraudulent purchases and he knows that he never called me to confirm these purchases. 

XXXX. I am a musician hobbyist and the most of these purchases that were made, I wouldnt know what to do with them since they are for other types of music composition. There is one purchase that was made for a software and that is a software that I would never need because I have had that for more than a year. I bought it directly from the manufacturer more than a year ago and have proof of it. There would be no reason for me to have 2 software of the same kind. That is like buying an identical version of XXXX XXXX when you already have one. 

XXXX. If Synchorny wants to validate that these softwares were never downloaded in my computers, I am willing to give their investigators an access to my LAN so they can check all the computers at my house for records of these downloads only to find nothing.

I have outstanding credit history and an impeccable history with all my creditors. I have credit cards that have 10 times more credit limits that my Synchrony card and had I fancied credit card fraud, I would commit them with these cards. Moreover, if I really wanted these softwares, I can afford to buy them without having to potentially commit a crime and rish denting my history which has nothing except for a few traffic tickets.
Consumer complaint received 2022-11-18
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)

See Attached Documents. Attached will be a Picture of on ID and Social Security Card Utility Bill. It will also have an attached FTC Identity Theft Report as well as Dispute letters with account information that needs to be deleted from my report.
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

I have been a with TOYOTA MOTOR CREDIT customer since XX/XX/2018 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XXXX, XXXX, XXXX, XXXX, XX/XX/2018 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.