davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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 (FL)

I had a fake charge in the amount of {$4.00}, Reference Number XXXX placed on my Amazon Card number ending in # XXXX, XX/XX/2023 at XXXX. 
I did not make this purchase. 
There is no record of this digital purchase on my Amazon account. 
I filed a dispute with Synchrony Bank on XX/XX/2023. 
I wrote to Synchrony bank filing a dispute to state that I did not make this charge, the charge is fake since it does not show up on my Amazon account, Amazon Payment Solutions rep " XXXX '' confirmed this today. 
There is no legitimate activity number because Synchrony Bank made the error ; therefore, XXXX can not make any progress to fix this. 

I called Synchrony bank today Friday, XX/XX/2023 at XXXX, Yesterday, Thursday, XX/XX/2023 at XXXX, and Tuesday, XX/XX/2023 at XXXX, to report the charge is not mine, and {$4.00} remains on a new account that I did not request- I have no new card for the new account, and the XXXX reps do NOTHING to fix the erroneous charge. 
I am being sent payment reminders for a charge I did not make. 
I have not been able to use my Amazon Card account since XX/XX/2023 since Synchrony Bank closed my account ending in # XXXX. 
Synchrony Bank made a new account # XXXX to which I have NO CARD associated with this account!!! 
And the fake charge is on the new account!!!! It has not been removed. 

Synchrony Bank has been preventing me from making purchases since XX/XX/2023 since I have no Amazon Card associated with the new account they made!!

This is complete incompetence and has created grief that I have endured each time I have tried to get this charge off my Amazon Card account.

Attached to this complaint are 3 screenshots proving there is a fake charge Synchrony Bank made the error, and no orders on my Amazon account in the last 3 months.

And the email sent from Synchrony reminding me to pay the fake charge. 

I want my account # XXXX reinstated. My Amazon Card ending in numbers XXXX is the card I have in my possession. REINSTATE MY ACCOUNT IMMEDIATELY.
Consumer complaint received 2023-02-18
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Convergent Resources, Inc. (UT)

My name is XXXX, I was a victim of an error with a XXXX  bill that was duplicated on my credit report, the single bill collection was bought by 2 separate companies, XXXX and Convergant  the second without my knowledge. After consulting with a bank and understanding I had a phone bill in collections to pay off. I began to do so reaching a settlement and paying it in full. My credit was clean and so I thought. I saw nothing on XXXX and my other scores went up aswell. After being denied though for a card at my bank I thought well why. I did more digging to find that XXXX bill on my XXXX by another company. My bank told me to dispute it immediately which I did and my dispute came back stating accurate information and was taken off my report on XXXX and is still in process of being taken off of my XXXX. I am demanding XXXX XXXX dollars per error to compensate for the challenges this mistake has brought to my financial life and the fees Ive wrongly paid in high rates due to this error while funding my business.
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (WI)

I applied for a credit card with Wells Fargo using my home telephone number which is a landline. However, they said I can not sign up to view my account online with a landline. They said a mobile phone is the only way they can securely verify me ( they had no problem issuing a card, however ). I've never heard of such a thing. My bank, other cards, and even Social Security have no issue sending me codes by email or calling my landline ( I'm on XXXX due to XXXX XXXX ). I've explained to these people that I struggle with small devices due to my XXXX XXXX I like to set up alerts on my accounts so I can spot any suspicious activity right away as well as keep track of my finances. 
I first called on XX/XX/XXXX ( XXXX ) .I was told I couldn't have an online account with a landline phone for security purposes ( my landline is actually tied to my home... a mobile phone could be lost anywhere ... makes no sense ). I was transferred to another person and got the same story. 
I filed a BBB complaint # XXXX, but they haven't responded to that complaint. 
On XXXX someone from Wells Fargo called me XXXX ( I believe her name was XXXX? ). Essentially I was told the same thing. She said she would escalate it and send me a letter about our call. I haven't received the letter yet. 
On XXXX I called Wells Fargo again XXXX. I'm told the same information and got transferred. The person I got transferred to gave me the same information and again... putting in an escalation. She told me I could go to a branch and really be pushy with them. There isn't a branch in my city. I only drive local because of my XXXX and I shouldn't have to go into a branch and cause a commotion. It's not the way to act and with my health I can not deal with these unnecessary stressful situations. I've never dealt with a bank like this and I shouldn't have to be discriminated against because I have a landline and having a big desktop or laptop screen is easier with my XXXX XXXX
Consumer complaint received 2018-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (NY)

On XX/XX/2018, XXXX XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of {$46000.00} and {$33000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information Attachments area
Consumer complaint received 2017-09-17
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. (CA)

The current hack of Equifax has exposed mine, and many, many other citizens to potential identity theft. Due to Equifax, the complacency of this and other credit agencies has been reveled and has allowed our personal information to be available online, or other means, to any threat FOREVER.
Consumer complaint received 2022-11-17
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 XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-01-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FREEDOM FINANCIAL NETWORK (MA)

Achieve has refused to respond to my dispute claim with XXXX XXXX XXXX. I have disputed the inaccurate information reporting on my consumer report with Achieve and was told by manager XXXX XXXX that the inaccurate information would be updated. After many months speaking to XXXX XXXX my consumer report has not been updated. Subsequently in XXXX, 2024 after almost 2 years Achieve reinstated inaccurate information on my consumer report after I file a case with the XXXX XXXX XXXX for my dispute with Achieve. Reinstating inaccurate information on a consumer credit report in a violation of the Fair Credit Reporting Act. I have attached proof documentation of my dispute letter with XXXX and my consumer reports showing the inaccurate 30 day notice showing that they were not there for almost 2 years and reinstated in XXXX, 2024.
Consumer complaint received 2022-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

A random collection popped up my credit report from a company I've never even heard or let alone owe money any to. It showed up on my report on XX/XX/2022. The amount is {$1300.00} and I have ZERO idea who they are or what they represent. The name of the company is Credence Resource Management.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (DC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-11-17
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-17
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. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (VA)

In XX/XX/XXXX, I, XXXX XXXX XXXX initiated a complaint against XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX concerning heirship land and it's recovery. Upon reviewing a XXXX case in XXXX XXXX XXXX case information, there is indication that Wells Fargo may have some interest in the property or filed documents in the case. ( See attached documents ) This is to inform Well Fargo that I, XXXX XXXX XXXX also have a legal interest in the matter and has demanded the property known as XXXX XXXX XXXX XXXX XXXX XXXX a subdivide of XXXX XXXX XXXX XXXX Some but not all of the lots in XXXX XXXX XXXX XXXX were listed as part of a foreclosure sale in XXXX but it was not against the true owners. XXXX XXXX XXXX XXXX XXXX XXXX was never listed as a part of the foreclosure. XXXX XXXX XXXX despite court information has not released any party in the XXXX XXXX XXXX XXXX including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX ( See attached documents ) This matter was publicly advertised.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

2 Personal Loans from XXXX XXXX were recently paid off. The team @ XXXX XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however XXXX for example, has informed me that the status of my XXXX XXXX accounts will remain unchanged showing at least one account as open with a current balance as per the request from XXXX XXXX. 

Please see the attached email XXXX XXXX indicating that the accounts were paid in full and closed. I provided this information to the ( 3 ) credit reporting agencies. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have with the opened accounts. 

Account # : Loan 1 ending in # XXXX Loan 2 ending in # XXXX
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2022-11-17
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: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act .The list of accounts below has violated federally protected consumer rights to privacy and confidentially under 15 USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A States i have the right to privacy 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) section sates : no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-11-25
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. (OK)

In accordance with the fair credit reporting act XXXX XXXX XXXX  acct XXXX and XXXX XXXX acct 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, also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2023-08-02
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. (CO)

2 Personal Loans from XXXX XXXX XXXX was recently paid off. The team @ XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however XXXX for example, has informed me that the status of my XXXX accounts will remain unchanged showing both accounts open with a current balance as per the request from XXXX.

Please see the attached email from the office of the CEO @ XXXX confirming the accounts were paid in full, closed, and the credit reporting agencies were notified. 

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have from the opened accounts. 

Account # : Loan XXXX # XXXX Loan XXXX # XXXX
Consumer complaint received 2024-04-06
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: EQUIFAX, INC. (DE)

Dear XXXX, I am writing to you as a victim of identity theft regarding the fraudulent accounts that continue to appear on my credit report. Despite numerous disputes filed by me, along with reports submitted to various authorities including the FTC, the Office of the Controller of Currency, the police, and the FBI, these accounts persist on my credit report. 

I recently obtained undeniable evidence, including the perpetrator 's identification and social security card, proving their responsibility for the identity theft and the opening of these fraudulent accounts in my name. With this concrete evidence in hand, I demand the immediate removal of these accounts from my credit report. 

XXXX account number XXXX I want to emphasize that I have exhausted all available channels to resolve this matter amicably. However, the persistence of these fraudulent accounts on my credit report is not only damaging to my financial reputation but also a violation of my rights. Failure to comply with this demand will leave me no choice but to pursue legal action against your company for knowingly reporting inaccurate and fraudulent information. 

I urge you to take prompt and decisive action to rectify this situation. Your cooperation in this matter is crucial to restoring my financial integrity and protecting my rights as a consumer. I expect a written confirmation of the removal of these accounts from my credit report
Consumer complaint received 2022-11-22
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)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2023-02-10
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. (TX)

In accordance with the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
1. Account name : XXXX XXXX Account # XXXX XXXX. Account name : XXXX Account # XXXX XXXX. Account name : XXXX XXXX XXXX Account # XXXX These accounts have 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 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 7 years. 

15. U.S.C 1681-2 ( A ) ( 1 ) states : A person shall not furnish any info relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.