davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, I applied for a XXXX XXXX XXXX. I received a denial letter dated XX/XX/XXXX listing the denial reason, Prior Synchrony credit account not paid as agreed. On XX/XX/XXXX, I mailed a letter to Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX, requesting the name of the Prior Synchrony credit account not paid as agreed. As of XX/XX/XXXX, I did not receive a reply from Synchrony. On XX/XX/XXXX, I searched the internet and found a telephone number for Synchrony Bank customer service, XXXX XXXX XXXX. I spent at least one hour on the phone being bounced back and forth between Synchrony and XXXX trying to get an answer. I was given an alternate phone number XXXX XXXX XXXX. I was given a number for XXXX XXXX XXXX XXXX. Each time I spoke to a representative from Synchrony and XXXX, each one referred me back and forth to Synchrony and XXXX. Finally, I mailed a second letter to Synchrony on XX/XX/XXXX, priority mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX the name of the Synchrony credit account not paid as agreed. As of this writing, I still have not received a reply from Synchrony. I am attaching copies of my letters to Synchrony dated XX/XX/XXXX and XX/XX/XXXX and copy of denial letter from Synchrony.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There were XXXX hits on my trans union credit report where there should only have been XXXX. It was from XXXX Bank and I have already asked them about it and they said they only requested XXXX report. They requested it on the XX/XX/XXXX and my report shows another on the XX/XX/XXXX. I want it removed.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

I lived XXXX XXXX from XXXX XXXX XX/XX/XXXX after I moved to XXXX XXXX 
XX/XX/XXXX My credit card limit was decreased from {$10000.00} to {$4300.00} and the reason shows delinquent/late payments. This prompted me to pull my credit report and it showed mis information which I did not recognize nor did I have any knowledge of ; a collections agency XXXX XXXX XXXX  on behalf of XXXX XXXX in XXXX I then called XXXX XXXX XXXX XXXX ( XXXX XXXX ) they advised there was a delinquent account but has since been placed in collections with XXXX XXXX XXXX XXXXXXXX XXXX rep stated an account had been open and used multiple times from XX/XX/XXXX through XX/XX/XXXX balance placed with collections showed {$2100.00}. I advised it was not me nor did I consent to any use of my personal information. The only time I used XXXX XXXX XXXX was when I lived XXXXXXXX XXXX at the following addresses while attending XXXX XXXX XXXXXXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Immediately after I moved to the state of XXXX where I still currently reside. I filled a police report for identity fraud, I completed dispute forms required by XXXXXXXX XXXX Submitted I called for the company for the past 2 years and sttill no resolve. XX/XX/XXXX my credit score dropped XXXX points now im in the low XXXX Debt is currently with Transworld System Inc whom I contacted and advised of fraud.
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX account # XXXX and XXXX #, On XX/XX/XXXX, XXXX XXXX XXXX XXXXt account # XXXX, XXXX, XXXX and account # XXXX was listed on credit report. On XX/XX/XXXX XXXX XXXX  account was listed on credit report showing an active utilization of credit 93 %. Account is closed with a XXXX balance. Reporting is inaccurate. XXXX XXXX XXXX listed an account with an active utilization of 79 %. Account is closed balance is XXXX. No utilization. Reporting is inaccurate. In accordance with the above act these companies has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. are listed on credit report.
Consumer complaint received 2023-09-29
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: EQUIFAX, INC. (MA)

Dear Credit Bureau and CFPB ; Hopefully, you can help me out. Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible. Please see attachments.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC (FL)

Oliphant USA llc have my credit report in collections for a debt that is not mine. I have requested a debt validation letter and havent received it. Please remove off my credit report asap as its affecting my credit report. This account was opened without my consent
Consumer complaint received 2017-10-20
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: EQUIFAX, INC. (NV)

Have filed numerous complaints regarding this same account showing on credit report that is not mine ... .yet XXXX and EQUIFAX STILL continue to list it as mine ... ..company admitted they DID NOT HAVE A DOCUMENTED CONTRACT, NOR DID THEY VERIFY WHOM OPENED ACCOUNT ... ... .so I am still wondering how XXXX and EQUIFAX " verify '' an account that was not opened by me. How is an account verified ... ... WITH NO CONTRACTS? So again ... ..I ask for a CONTRACT!!!!!! Stop telling me you verified an account that does not EXIST!!!!!!!! 

CFPB ... ..stop saying this is a duplicate ... XXXX.YOU ARE THE ONE THAT ASKS IF WE WANT TO SEND TO OTHER CRA!!!!!! SO SEND IT! 

XXXX and Equifax has done nothing to remedy the issue!!!!!! Removing historical information on an account that is not mine ... ... does nothing to solve the problem!!!!! REMOVE THE ENTRY!!!!!!! YOU ARE RESPONSIBLE IN THE END FOR LISTING INFO THAT IS NOT MINE, and purposely harming me!!!!!!!!
Consumer complaint received 2022-12-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I Paid off a charged-off collection with Capital One in XX/XX/2022, but Capital One is still actively reporting a balance every month to my credit report. I have called Capital One to request correction and they stated they don't have my account anymore because it was sold/transferred to XXXX XXXX XXXX and that I should call XXXX to get it resolved. When I call XXXX to get the reporting corrected, XXXX explained that they don't report to the bureaus and instruct me to call Capital One to get it resolved. I am getting the run around between Capital one and XXXX. I need the help to get this issue resolved and to reflect a {$0.00} balance on the charge-off or correct the {$0.00} balance due to the account sold/transferred. I have documentation to prove that the account has {$0.00} balance.
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/XXXX I made my credit card payment, before the due date and more then minimum. Then again on XX/XX/XXXX I made another payment however my payment was not due until the XX/XX/XXXX and because I was in the same billing cycle it was not credited to my XX/XX/XXXX statement. Unaware of this I logged into my account on line to make another payment for XX/XX/XXXX and saw that I was charged a late payment fee and was delinquent with my XX/XX/XXXX payment. I have attempted several times to straighten this matter out. All of the representatives I have spoken to understand what happened and they were kind enough to remove the XXXX late fee however they are reporting me late on my payment history. I have had this card 5 years and have NEVER been late with a payment and ALWAYS pay more then minimum. I have a credit line of {$750.00} and have requested a credit line increase and was denied because of a missed payment!!! And this is how they are reporting to the Credit Bureau.. that I was delinquent on a payment!
Consumer complaint received 2023-01-10
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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  : [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-10-28
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. 

CapitalOne Auto Account # ending XXXX XXXX Account # XXXX XXXX Account # XXXX
Consumer complaint received 2023-02-17
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. (NY)

An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020 for the amount of {$15000.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.
Consumer complaint received 2023-10-12
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was a victim of fraud and Capital One Fraud department charged back fraudulent charges while ignoring my request to send proof that they had deemed my or an authorized user responsible for these charges ( I had no authorized users to be clear ). Additionally, the declined to re-open my investigation. When asked if it was the policy or Capital One to see their users as legally responsible for fraudulent charges, they skirted around this saying, Well, our investigator closed the case. In my request for the name or employee number of the investigator, I was not given any requested information ( again ). Several times I requested another supervisor and was denied. Now, I have a payment due for charges I never made and have to ding my perfect credit or pay balances Im not responsible for. I will be filing a complaint with the CFPB, FTC, and any further legal action necessary. DO NOT OPEN AN ACCOUNT WITH THESE CRIMINALS! The woman I spoke with was XXXX, empl # : XXXX. 

The end result was nobody wanted to provide merchants, delivery information, who was responsible for the decisions made, refusal to re-open investigation and many other failures to supply consumer information.
Consumer complaint received 2021-06-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I have never contracted services with NATIONAL CREDIT SYSTEMS. I have never received any written communication to be able to review this alleged account prior to it showing up on my credit file. Upon reviewing my credit file, this alleged account is also beyond the STATUTE OF LIMITATIONS. NATIONAL CREDIT SYSTEMS is clearly in violation of the FCRA for failing to even notify me of this account, it simply appeared on my credit report. I will prepare a media kit to expose the fraud that has been committed against me to all local and national news stations alike if necessary.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I called call center at XXXX And I received an answer from an individual that had broken XXXX. She stated she was from XXXX and then when I was answering a few questions she then hung up on me. I am unable to get into the online account. I dont know if this is because of my XXXX XXXX. I feel that my phone does this with more things Im attempting to do emails hacked etc. Ive tried to change my number numerous times and change phone but when I get my personal information. This program comes back to haunt me. I just want my life back and cant get away from whatever it is haunting me online. I will say numerous times looking for my location it came up as if I was in XXXX. On my last XXXXXXXX XXXX is the current phone.
Consumer complaint received 2019-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I tried to open a bank account with XXXX XXXX on XXXX XXXX and was told that I was unable to open a account due to the information that was obtained from the consumer reporting agency. I was told by XXXX XXXX  that I had nothing negative with them and that it was based on the information from consumer reporting agency. I received a copy of my XXXX report and see that there is are two Bank of America account that I did not open and the open states suspected fraud activity which both have to be cause I have didn't try to open these Bank of America accounts. One is Bank of America of Missouri and the other is Bank of America of Florida. The Missouri one seems to be the negative account that is the reason that I am unable to open a bank account. The report date for this is XX/XX/2017 and this was not opened by me. Please advise me of what needs done to remove these and fix this issue so that I can open a bank account without any further issues.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent letters to XXXX TransUnion and XXXX disputing accounts that are in collections on my credit report. It's been over 30 days and I have not received anything in the mail pertaining to the investigation of these accounts. In the comments section suppose to specify that accounts are in dispute. I didn't receive the investigation report. 

According to 15 USC 1681 i ( a ) ( 1 ) ( A ) XXXX TransUnion and XXXX has 30 days to respond to my dispute. Not responding is a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts listed on 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 XXXXXXXX I believe that the accounts listed above contain errors that violate several federal laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 

First, regarding the XXXX University account, I have reason to believe that this account has been reported in error. According to the FCRA, creditors are required to report accurate information to credit bureaus. In this case, the account has been reported with an incorrect account number. This is a clear violation of the FCRA. 

Secondly, the XXXX XXXX account has been reported as a late payment account. However, I have evidence to suggest that the payment was made on time. According to the FDCPA, debt collectors are required to provide accurate information to credit bureaus. This inaccurate reporting is a violation of the FDCPA. 

Thirdly, the XXXX account has also been reported as a late payment account. However, I have not received any notification of late payment from the creditor. This is a violation of FACTA, which requires creditors to provide notice of late payments before reporting them to credit bureaus. 

Fourthly, the XXXX XXXX XXXX account has also been reported as a late payment account. However, I have not received any notice of late payment from the creditor. This is a violation of FACTA. 

Fifthly, the XXXX XXXX XXXX account has been charged off. However, I have not received any notice of the charge off from the creditor. This is a violation of TILA, which requires creditors to provide notice of charge offs. 

Sixthly, regarding the XXXX XXXX XXXX charge off account, I have reason to believe that the amount listed is inaccurate. This is a violation of RESPA, which requires creditors to provide accurate information to consumers. 

Lastly, the two XXXX XXXX charge off accounts have also been reported with inaccurate information. This is a violation of FCBA, which requires creditors to provide accurate information to credit bureaus. 

I demand that these errors be corrected immediately in accordance with federal law. I also demand that any negative impact on my XXXX XXXX be corrected and any associated fees and penalties be refunded. I appreciate your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IN)

I have been trying to access and pay on my account for over a month. Every time I try, the system says info is bad and tells me to call. I call them and I get passed around between customer service reps and placed back in queue multiple times because they claim their system is not working. This has been going on for far too long. And there has been no wider communication from Nelnet about system failures.
Consumer complaint received 2023-03-01
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. (LA)

There is a collection on my credit report reporting I owe them {$1800.00}, I have NEVER met with or NEVER SIGNED A CONTRACT with them I was NEVER notified of this either! I also see on my report it is also reporting it being opened, this is a collection that is violating my rights to ACCURATE information being reported to my account. 
Also In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (MD)

I called XXXX ( XXXX ) XXXX after checking my account. When I left the dealership my salesman stated that I wouldn't have to pay my first payment until XXXX of XXXX. Due to that fact of still looking for financing. I said ok and left with sales receipt. In XXXX I decided to call about my payments being that I haven't received anything from them in the mail about payments or financing. When I called their customer service number with a representative stating that I hwas behind since XXXX. I was devastated because I asked the sales rep. Explaining the situation I stated that I would make a payment on XX/XX/XXXX of {$790.00} and I would make another payment XX/XX/XXXX of {$500.00}. The rep stated ok that would bring your account down from the balance. I said great and hung up. After checking my balance a couple of the {$790.00} payment I still didn't see it posted to my account so I called again asking why wasn't my payment posted? The rep stated that he didn't see it and that I should call my bank to verify. So I called XXXX XXXX XXXX XXXX on a XXXX Way call so that the rep could also hear the conversation, and XXXX XXXX the missing payment of {$790.00} stating XXXX XXXX With their number attached of XXXX ( XXXX ) XXXX on XX/XX/XXXX that posted XXXX the XXXX. The rep still said he couldn't see the monies and for me to fax to XXXX ( XXXX ) XXXX a statement from my bank with the letterhead, my account # and write the amount of the missing payment on the paper as well. The information was sent XX/XX/XXXX at XXXX, my confirmation id # is XXXX. After waiting all weekend I called Monday the XXXX and they still stated that they haven't received it and adding ridiculous fees more by the day. My proof is attached can you please help get my credit and fees taken off.