davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Synovus Bank (AL)

On XX/XX/XXXX i noticed several charges/withdrawals on my Synovus Checking Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and a XXXX. Also a mobile check deposit of XXXX, deposited into my checking account. I notified the bank that my cell phone, 2 XXXX XXXX cards, Synovus bank card, my drivers license and military id were taking from my hotel most likely by my now ex girlfriend. She had overheard my phone conversation a few weeks earlier resetting my debit card pin with a Synovus agent and my phone apparently auto saves passwords giving her access to my banking information and the ability to deposit checks. I informed Synovus I did not give access or give her permission to use any of my stuff and i'm the only authorized user on the accounts. Also informed them I never use mobile deposit and they should be able to verify that. I filed a police report and a FTC Form and supplied it to Synovus. I received notice on XX/XX/XXXX that they are not going reverse the charges because they think they are correct. when i reached out to Synovus I was told by bank manager, XXXX XXXX, I was responsible because i gave access to my phone to my ex girlfriend and it was my responsibility to keep my wallet and phone protected in my house to were she couldn't get it. I informed him again I never gave access to her and she isn't a authorized user but once again i was told it was my fault she took my phone and wallet and they are not going help. I have requested the documentation that they are using to come to their conclusion but I keep getting hung up on or told there is nothing i can do.
Consumer complaint received 2020-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Equifax has accounts that are over 9 yrs old on my credit I been disputing them and equifax does not do anything just leaves them on understand investigation and its been 90 days equifax needs to take these off of my credit if the companies dont respond its well pass the time frame to respond and to be on my credit
Consumer complaint received 2020-04-01
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. (AR)

My father informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I started to investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown, suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX/XXXX XXXX {$470.00} XXXX XXXX  XXXX {$7200.00} XXXX XXXX   XXXX {$2000.00}
Consumer complaint received 2020-03-22
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/XXXX, XXXX Complaint Department Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, Per previous outreach regarding the unknown inquiries, I was told to contact the creditors regarding the removal of the unknown items. I contacted all creditors and asked them to remove their credit inquiry from my credit profile.
Consumer complaint received 2022-12-31
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. (TX)

My name is 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 2020-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (TX)

On XX/XX/XXXX I discovered that my lender had increase my monthly mortgage payment without sending me any notice or explanation of the charges. Today XX/XX/XXXX I called and spent over two hours attempting to resolve this matter. I initially spoke to a representative name XXXX ID XXXX who confirmed that there was increase however he was unable to verify exactly what the increase was for and informed me there may have been some errors. XXXX explained to me that he would be sending a request to his escrow department for review. I was not confident that this would be done because there was still no explanation of the charges so requested to speak to a supervisor. I was then transferred to a gentlemen name XXXX agent ID XXXX who immediately told me there was no error without reviewing my account. This was extremely frustrating so I requested to speak to his supervisor which he said was XXXX XXXX and that she was unavailable. I then called back in to verify that at least a request was being sent to escrow and spoke to another associate name XXXX who gave an agent ID of XXXX. The customer service I received was absolutely horrendous! No one could explain reasonably with a break down of where the charges occurred after the previous representative confirmed there may have been an error. I finally spoke to XXXX who was the supervisor and I'm still in disbelief that she's an actual supervisor. I will be filing a separate complaint and requesting the telephone calls to be pulled regarding the customer service received.
Consumer complaint received 2020-03-22
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: EQUIFAX, INC. (PA)

I have called multiply times in last 3 months said system down call back than tried internet and says no internet everytime .this is Equifax while both other creditors removed caused I paid my bill months ago. Than I called few more times got XXXX  who couldnt help then us line says I'm not me and wont help fix or give me management. This is the worse company ever. Please please help me. Thank you very much for time and help it's a chiropractor bill for XXXX dollars .ty
Consumer complaint received 2020-03-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital one bank usa suing for account that is beyond the statute of limitations in oklahoma. 
Account opened XX/XX/XXXX Last payment made was XX/XX/XXXX. 
Suing for the amount of {$3600.00} Recieved very little communication via mail, email or phone. 
Date summons was issued XXXX Recieved summons XXXX
Consumer complaint received 2022-10-08
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-08
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. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I paid off total balance due on my credit card before the due date. Bank of America charged additional interest fees in the next billing statement. I attempted to speak directly with Bank of America but was faced with an hour and 5 minute hold time to speak with a customer service representative.
Consumer complaint received 2020-03-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc. (CA)

These people have been harassing me for years over a Victorias Secret card under my married last name which Ive been divorced for well over 11 years. I also dont recall ever having a Victorias Secret card. The last time I spoke with them they said that I needed to pay them or they were going to take me to court and it was gon na cost me {$5000.00}. When I told them I wasnt going to pay them anything until I saw paperwork they said will see you in court and hung up. Now a few years later I received the following document in the mail stating that Im going to owe taxes to the IRS for this debt And provided a fake 1099 form or pay them. This  has to stop see attached. I forgot to mention theyve also contacted several of my family members as well and threatened lawsuits against me over the phone telling me theyre going to serve me papers.
Consumer complaint received 2020-03-22
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: Porsche Financial Services, Inc. (TX)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2022-12-31
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. (IL)

In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 states : a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


The list of accounts appearing on my credit files by XXXX, Experian and XXXX below have violated my federally protected consumer rights to privacy and confidentiality reporting as stated above : XXXX. 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
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (VA)

I cosigned a car loan for my step son several years ago with Wells Fargo Dealer Services. He new he was about to pay it off back in XXXX of XXXX. He called Wells Fargo and got the pay off. It was a phone call so nothing in writing. He then had them take out of his account the amount he owed. In XXXX of XXXX I went to apply for a loan to buy a house. The banker told me I had a 90 day late mark from Wells Fargo on my credit report. I of course said no way that it was paid off. It showed {$2.00} was still owed. I did not receive a phone call or a letter telling me we still owed. So Well Fargo just kept turning it in to my credit report as late for three months. Once we knew about it my step son went to Wells Fargo in early XXXX to pay it off plus late fees. I called them to try to get fixed and they refused to do anything for me. They gave me a fax # to fax my dispute. I was not ever able to talk to anyone. I finally after about 5 weeks received a letter in the mail say that they would not fix it for me. Still cant get anyone to talk to me. I sent three fax, a certified letter and an Email. I am very upset as I am trying to build my credit and trying to buy a house and they don't seem to care. The thing that is crazy is after my step son paid off what he was told was the pay off he received a refund for over payment in the mail, so where did the {$2.00} come from if he received a refund.
Consumer complaint received 2020-04-01
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: EQUIFAX, INC. (CA)

equifax account, XXXX/XXXX no. XXXX should have been deleted yesterday XX/XX/2020 from the equifax bureau report.the investigation was initiated on XX/XX/2020. 
it is a violation of the FCRA that the account still shows under dispute today XX/XX/2020. 
all proof of the above is attached.DELETE THIS ACCOUNT IMMEDIATELY
Consumer complaint received 2022-10-08
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

Let it be know to all that XXXX XXXX XXXX have purr perjured themselves again! A complete falsified response to cover up serious violations they committed over 8 weeks ago and still are hiding and breaking the law - Heres another example on record again today. They claimed that dispute number XXXX is a duplicate of XXXX lol- it is not even remotely they same dispute and certainly not a duplicate! They are out of control!
Consumer complaint received 2020-03-22
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: AMERICAN EXPRESS COMPANY (TX)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2024-04-13
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MD)

I was approved for an Ikea credit card through Comenity Bank. When I called to activate it, I was required to speak to a live person who never identified herself. She activated the card, and then went into a sales promotion for XXXX XXXXXXXX, providing reasons I needed it, the cost, and her final statement was " now, let 's get you enrolled now so you are all set. '' I replied NO, but she would not accept my answer. She then went back into her hard sales pitch, talking very, very fast, not pausing for questions, and then slid in there again " now let 's get you started with this now and you can have a great day. '' I again said NO, and then told her how offended I was by her hard pitch and that it was misleading to new cardholders. She made me feel like it was an obligation. I 100 % disagree with that tactic and if they are not asking all cardholders a YES or NO question point blank, in clear terms, I find this deceptive. My parents would have fallen for this tactic and the way she pushed it made it makes me wonder if she is incentivized to do so. She never let me finish speaking, as she began yelling at me, telling me she was not required to read me a rebuttal by law which I asked her to send to me. She would not provide her name or escalate to anyone higher. I made this call on XXXX at XXXX XXXX. The activation # is XXXX. I find this practice deceptive and costly to card holders when they operate in this fasion. Why not mail out the promotion? I received the card over a month before I ever decided to even activate it. What about this account benefit had to be shared by a fast talking, card activator who was trying for a yes and to get me off the phone?
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

The Capital One Rewards card we have been using for over 20 years did not send us a new card this year. Our renewal date is XX/XX/2020 and we have not received our card in the mail automatically as we have for years. Called about it and they are stalling and will not renew our card. We pay our bills monthly, no problems. They have not sent us a new card so it looks as if they are going to dump us. Question one : Can they do that to a customer they have had for years. Question 2 : Why would they do that? We are Senior citizens staying at home because of the Virus and now we have no credit card to use due to no fault of our own. XXXX
Consumer complaint received 2020-04-01
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (TX)

I've had a similar problem with this company before. They recently added two new medical debts to my credit report 1 with balance of XXXX and another with a balance of XXXX I've never received anything about either of these accounts from them. This company believes they can do whatever they want without consequence. The are violating my rights and its not the first time. 

accounts show as XXXX XXXX both are reporting with dates they I had no medical work done.
Consumer complaint received 2020-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

on XX/XX/2020 and XX/XX/2020 and XX/XX/2020 and XX/XX/2020 I had multiple attempts by someone to open a credit card through Capital One ... .XXXX  emailed me they had ; I locked my acct and put fraud alert ... .called Capital One and they said it was closed and denied ... .I need an account because someone keeps trying to attack and steal my credit and identity and open up accounts/credit cards The credit card company said it was denied but I want written proof I will not be held liable if anything happens about my credit thx XXXX XXXX
Consumer complaint received 2023-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I have disputed the debt with Experian Credit reporting agency several times. Ive submitted police reports, ftc complaints, and all other required documentation to proove the negative closed account XXXX XXXX XXXX and the collection account Innovative XXXX XXXX are not mine. 

Experian continues to report fraudulent Accounts onto my credit profile. These accounts do not belong to me. I have informed them of the following I have not supplied proof under the doctrine estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.