davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (AZ)

An account was opened with PayPal/ Synchrony Bank in my name and I was not the one who established the account. I filed a report on the phone and received in the XXXX mail a letter dated XX/XX/XXXX stating the account was immediately closed. It further stated the credit agencies would be notified to remove the account from my credit report. The letter informed that my information had been flagged in their system to prevent further fraud. A letter dated XX/XX/XXXX was then received stating due to the account being older than one year and the person who opened the account had benefited from a purchase, Synchrony Bank refused to consider this fraud or close the account. On XX/XX/XXXX, I called XXXX and spoke to the Rep : XXXX. Upon trying to find my account using the only phone number I have had in over five years I was told I did not exist in his system. When trying with my name and the account number on the invoices I have received, the account was found. I requested to pay off the account and have it closed. I wanted in writing that this account was closed and would not effect my credit. I was informed by the representative that he would not do that. He stated the account had been considered delinquent and officially closed on XX/XX/XXXX. He stated the process had already begun to report this to the credit bureaus. The Rep informed me he would transfer me to the Fraud Department for further follow-up on my complaint and at that point terminated the call.
Consumer complaint received 2020-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : MEDICAL DATA SYSTEMS Please be advised that I have received your correspondence dated XX/XX/XXXX This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (IL)

On or about XX/XX/2019 there was engine failure in a vehicle I had financed by Bridgecrest with GAP insurance through XXXX. I spoke with several agents at XXXX and was initially informed my GAP insurance would cover the replacement engine and its parts. A few days later I spoke with XXXX again and was informed they would only cover the replacement engine but not a vital part that will make the engine work. On or about XX/XX/2019 I contacted the dealer where I purchased the vehicle to seek assistance but they were unable to assist. On XX/XX/2019 I contacted Bridgecrest and informed them it does not make sense for me to have a vehicle and to continue to make on-time monthly payments if the vehicle does not work and I am unable to drive it. I advised Bridgecrest I am willing to voluntarily surrender the vehicle. They agreed to retrieve the vehicle after I provided the repair facility my insurance company towed it to. They explained to me the vehicle would be sold and the purchase amount would be credited to my balance. I explained to them this is fine. The account was then listed to my credit report as an involuntary repossession. I filed an IL AG complaint in efforts to have the status accurately reflecting a voluntary repossession. After Bridgecrest received my IL AG complaint ( their response is attached ), they contacted me and informed me the vehicle it will still be reported as an involuntary repossession. I explained to them how could you purposely report inaccurate information to the credit reporting agencies. I initiated the surrender due to before mentioned issues. I made all of my payment on time since I signed into the contract. I continued to make my payments even after the engine failed on the vehicle. I stopped making payments once the vehicle was in their possession. Prior to this incident I did research on this finance company. Although they have many bad reviews, I still decided to go into an agreement with them. Additionally, within their response to my IL AG complaint they stated the engine was replaced by the repair facility. This is inaccurate information. The repair facility put the old engine back in the vehicle for Bridgecrest to return it. The agent at the repair facility informed me since I was not picking up the vehicle and that Bridgecrest would be retrieving it, they would not install the replacement engine because XXXX would not cover the labor costs. The replacement engine was never installed. How can they report information that is not accurate?
Consumer complaint received 2023-01-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NC)

In the documents below, you can see autopay was scheduled for the XXXX of XX/XX/2023. The company took the payment on their own in advance of the autopay. In my bank I didnt have enough funds, because I get paid on the XXXX and on the XXXX of every month. They charged me a {$35.00} fee, when they messed up.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

Santander consumer USA, allowed me to have a trail payment plan for my car payment in XXXX for the XXXX pandemic, in the last year XXXX - XXXX the car was paid off, the account showed as current and XXXX balance, when I verified my credit file in XXXX I discovered Santander Consumer USA XXXX reported my account NEGATIVE in all years XXXX late payments, I did a dispute with them and I sent letter to XXXX and XXXX to delete all the negative late payments and they never removed them, my account still remain Negative late payments 60 days late and 30 days late, please investigate this issue for me because of this matter I cant rent any place to live my life right now is miserable.
Consumer complaint received 2023-01-05
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 XXXX
Consumer complaint received 2024-02-21
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (AZ)

XX/XX/year> Subject : CFPB to take off negative score. 
To : XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any or all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15 USC 6802. Thank you.
Consumer complaint received 2023-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (CA)

Re : Bank of the West, XXXX XXXX This is the worst banking experience ever for me, and the bank itself actually looks fraudulent. 

We opened a bank account with them in XXXX, we funded $ XXXX to one checking account on XX/XX/XXXX. Before we received the ATM card, someone already started accessing our account starting XX/XX/XXXX. A few hundreds here and there, XXXX, XXXX, XXXX and alike within a few days, some {$8500.00} USD were stolen from our account. We noticed the problem only by accident when my wife logged into the account and immediately reported the problem to the Banks Fraud department. Following their standard procedure, we filed a police report ( XXXX XXXX Police Department report XXXX ), affidavit and we thought this would just work out on its own oh how wrong were we. 

Two months later this is still not resolved. 

We only saw {$2800.00} returned to our account earlier this month and were wondering why, and were thinking maybe they are still processing the refund. 

We called them again today, got hold for 45 minutes, and only were told some incident researcher called us early XXXX and settled with us on that amount. Oh, we didnt know we had settled the case with them because no one actually called us. 

Call center people just transferred around and no one seems to really know whats going on. They tried to bridge in the researcher who was nowhere to be found. They promised some manager would call us within one hour - but never happened. 

I dont know what kind of bank does not enforce a smaller default daily spending limit on the ATM card. I don't know what kind of bank would say we requested the increase of daily limit to $ XXXX cash spending even though we have more than enough credit card to use and would never, never need to access cash at this level. 

I dont know what kind of bank would treat a serious fraud like this one, likely rooted from inside of the bank, so lightly and not actively keeping its customer engaged for updates. 

I dont know what kind of bank would not allow for SMS alert for spending over a certain threshold. 

I dont know what kind of bank would think its OK for someone to accept a > $ XXXX loss through a phone call, let alone its not our fault. 

I can only think : A very incompetent bank tries to lure customers, a very incompetent management team who simply cant get their act together, a very incompetent board who picked incompetent management to let crazy things happen to their customers. 

They do not deserve to do business in California, nor elsewhere in the United States. 

I am filling this complaint but also taking legal actions towards the bank.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Collection Bureau, Inc. (FL)

I have been disputing the account ADVANCED COLLECTION BU, Account Number XXXX for almost a year. This account is a blatant violation of my rights of my consumer according to consumer law a account has to 100 % accurate to be reported on to my credit profile. 
On XXXX the Date Last Active is XX/XX/2022 and on XXXX the Date Last Active is XX/XX/2022. I want this item removed from my credit report. I already filed a complaint with the FTC
Consumer complaint received 2023-01-05
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. (AZ)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : XXXX XXXX ( XXXX ), XX/XX/XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I also would like my address updated to the following, and ALL OTHER ADDRESSES REMOVED from my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2020-03-05
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: SYNCHRONY FINANCIAL (FL)

I filed a false collections report vs the credit collecyor for synchrony bank, as I had never had any debt besides my student loans until XXXX, when I got my first credit card and a car loan. Not only did this trash company commit fraud by filing the claim in the first place, their initial filing was for XXXX, and they changed the date to XXXX, without legal right. For a debt Ive never owed, and have never, and will never pay. I did not EVER do business with this company, and you can bet I never will. In XXXX of this year, i disputed and asked for proof. They not only doubled down on the claim, but i have yet to recieve any proof I owe them anything. BECAUSE IT DOESNT EXIST!!! I DID NOT HAVE ANY DEBT OUTSIDE OF STUDENT LOANS AT THE TIME THEY MADE THE INITIAL CLAIM! THEN, TO COVER THEIR TRACKS, THEY CHANGED THEIR START DATE TO A LATER TIME!!! How can they get away with this?!?
Consumer complaint received 2020-03-05
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)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSE. 

AS OF XXXX THERE IS A 30 DAY VIOLATION WHICH IS INDEFENSIBLE UNDER THE FCRA GUIDELINES.
Consumer complaint received 2023-06-08
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. (NC)

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 : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXX Balance : {$3700.00} XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-05
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. (AZ)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission : XXXX XXXX ( XXXX ), XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I also would like my address updated to the following, and ALL OTHER ADDRESSES REMOVED from my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2023-01-05
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. (CT)

I do not have an account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX I have never received any bill nor notices from XXXX XXXX I viewed by credit report, and I saw this error. I was never informed of such issue. This issue looks to be very small and to put it in my credit report without verify with me that this issue an account I know of every very strange. This company says I owe then {$140.00}. I do not owe them any funds. Please remove this from my credit reports. 

People please be aware of this type of company I do not believe it is legit what kind of people just puts something in your credit report without even calling your or sending a letter to you there are rules for this kind of thing. 

XXXX
Consumer complaint received 2020-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NY)

On XX/XX/2020 I received a letter in the mail attempting to settle a debt from XXXX XXXX for {$44.00}. I rarely use XXXX and certainly never had a debt and after checking my account there was no debt or any suspicious transactions. I believe Jefferson Capital is phishing me for information or falsely trying to extort money from me. 
I called the phone number on the letter and they refused to give me any information or email associated with this claim without me giving my personal information. I gave them the reference number and my name and they can see my phone number, they demanded my social security number which I'm not willing to give out to a random person claiming to collect " debt ''. They hung up on me when I asked them questions about the supposed claim. 
After researching this particular practice I found many examples of people being pressured to pay for a debt that wasn't theirs. 
The Company is : Jefferson Capital XXXX XXXX XXXX XXXX XXXX, MN XXXX
Consumer complaint received 2020-03-05
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. (GA)

There are several accounts reporting on my credit file that does not belong to me. Please assist me in getting these accounts removed from my credit file. 

Accounts reporting as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-05
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)

There are several accounts reporting on my credit file that does not belong to me. Please assist me in getting these accounts removed from my credit file. 

Accounts reporting as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX