davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

I am writing to you because I could get no response or resolution with Synchrony/Pep boys card. For over a year or more, I have been overcharged in interest rates where my monthly payments have been over {$350.00}. I received a letter in the mail from Synchrony dated XXXX/XXXX apologizing about the errors in the amount of interest rates I was charged and that it had been corrected. I then received another letter from Synchrony dated XX/XX/XXXX that my interest rate went down to 21.98 when I was being charged 29 %. The low interest rate lasted for only XXXX month where I was charged {$280.00}, which was due on XX/XX/XXXX. There after I continued to be charged over {$350.00}. I then received my statement for XXXX, where I found a purchase for {$670.00}, I did not make and my credit card account was over the limit. I have never missed a payment and never had an over the limit statement with this account. I called Synchrony and wrote to them regarding this issue. The CSR I spoke with on the phone stated that my account would be credit. I checked my emails on the pep boys site under my account where I found a response from the email, I sent them. The email received embodied a dispute form they stated needed to be completed and faxed for investigation. I completed and faxed it back on XX/XX/XXXX and have called to follow up on the status several times. I was told it would take a couple of weeks. Here we are in XX/XX/XXXX and I still have heard nothing, verbally, through email or mail. I have continued to make monthly payments, although my account still comes up over the limit every month. My credit report has been ruined, and the {$670.00} purchase has still not yet been removed. I sent an email to Synchrony to close the card yesterday XX/XX/XXXX out of frustration because I have not received attention on this matter. I feel that I have been disrespected and taken advantage of.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2022-12-28
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. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$970.00} .I have an extended fraud alert place on my file due to recent identity thief. This account does not belong to me. I have tried to fix the account with Experian with no luck.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My information has been included in both the XXXX data breach and XXXX 's. In the midst of this, my information was stolen and has apparently been used in many attempts by someone trying to open an accounts.
Consumer complaint received 2020-04-09
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. (NY)

To Whom It May Concern, I am Looking at my credit report on XX/XX/2020 I noticed an Inaccurate Hard Inquiry from XXXX. I Called them up to see if they can validate. They couldn't verify any new Inquiry or any new requests or provide any type of documentation. I know Recently with XXXX XXXX I had some soft pulls with there website. I asked there customer service If maybe that caused it by mistake. They assured me not the case. The Customer Representative had told me they will try to remove this from my credit report as soon as possible but they are very packed up due to corona virus. I said I would dispute it on here since I never authorized anything and Is fraud In my opinion.
Consumer complaint received 2021-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (SC)

I have reached out to this company on several occasions asking for verification as to how I owe this company. They have yet to provide debt validation and They are reporting a balance when it is reporting as a charge off I offered to payoff the debt after validation but they are always rude in their responses. They have two accounts reporting that I owe and when I called about them they said they no longer have the debt that it was sold to another company so why is it still reporting monthly as a c/o? I am requesting that both accounts be validated or removed immediately.
Consumer complaint received 2020-03-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello, I am XXXX years old and Merrill Lynch refuses to grant me access to my XXXX account without the former custodian 's ( my father 's ) permission. This is against the law. Now that I am over 21 years of age, the account and all assets should be mine : XXXX XXXX XXXXXXXX. Not only would I like access to this money, but I also need access to the account information to file my taxes. 

My father is XXXX XXXX and will not cooperate by transferring " ownership '' of the account.
Consumer complaint received 2021-10-15
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. (FL)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-03-29
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. (PA)

On XX/XX/2020, I wrote to Transunion to dispute what they are reporting on my credit report. They sent me a response to verify my address when I already had my address on State ID which is their address verification. I used a XXXX XXXX XXXX which was still a valid address as I was in a XXXX XXXX XXXX at the time. Both the addresses were correct and valid and have attached proof of these addresses including the ID I sent to bTransUnion. I did not see any investigation done on my reports despite Transunion having valid addresses, I feel that this was only to buy time as they have no adequate information to complete an investigation, hence validate the debt as requested. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
As reiterated in my letter, if Transunion does not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Consumer complaint received 2020-03-29
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. (SC)

I AM SUBMITTING THESE DOCUMENTS ON MY OWN BEHALF. I WILL ASLO UPLOAD THEM IN ONLINE. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THEM. I HAVE ALSO BEEN AFFECTED BY A BREACH OF XXXX  INFORMATION. Send in information via CFPB to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that XXXX  allows to do a soft inquiry on my credit profile. I would like for Transunion and XXXX  to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. Several accounts were successfully opened in my names that are fraudulent and Id like to that them removed immediately. This information is listed below, ALL accounts and hard inquires that are a result of identity theft.
Consumer complaint received 2021-10-15
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (FL)

I called Citi-Cards today XX/XX/20, and asked them if they had any special programs for people that have just lost their jobs due to the Coronavirus Pandemic. I am presently without a job due to this. 

I was told that the only option I had was they could probably lower the monthly payment for three month 's and in addition to this the account would be closed. No other programs available. 

I do not want to close this account, I just want a fair treatment for this unexpected situation I am going through. Citibank did not offer any other option.
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I applied online for a credit card with Capital One last XX/XX/XXXX and they denied the application but said they would send me a letter detailing the reasons why in a letter that I would receive within 7 to 10 days. I got the letter dated XX/XX/2019 and it said that there was incomplete information in the XXXX credit report. I looked up the XXXX   credit report online and noticed it has some erroneous information about some old accounts. I contacted XXXX and they corrected that information in less than a week. I then wrote back to Capital One to address on the denial letter dated XX/XX/2019 but I never heard anything further from them. I will attach the denial letter to this complaint. 

I had thought nothing more of this until today. Today I applied again for a Capital One credit card and was refused online and they told me that I would be getting a letter in 7 to 10 days telling me why my application was refused. I said to myself " I have been down this road before '' so I called Capital One directly. The person I got on the phone said that the application department at Capital One was closed now. I told her that I would be agreeable to calling back later but then she added that the application department was closed until further notice. I asked her how it was I was going to know when I should call back and she said that I should just try calling in every so many days to see if they are open yet. I hold her blameless. Nothing on the Capital One web site would give you any idea that the Capital One credit card application department is closed until further notice. So I have no reason to believe the resolution to this denial of the credit card application will be any different than the one I made in XX/XX/2019. 

It seems to me that Capital One is denying credit card applications for reasons that they are not willing disclose to the person being denied. I just want a straight answer.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC (NY)

I contacted Planet Home Lending on XX/XX/2020 to discuss a forbearance. I was told that I did qualify for a XXXX forbearance under the CARES act and to follow up in XXXX. They said they would also send a letter about the forbearance which they never did. When I called back in XXXX, they said that my mortgage was sold. In the meantime, when I again called and asked why they were reporting my mortgage as past due to the credit reporting agencies they said because that is how they report it. Again, I requested the letter regarding my forbearance as well as my taxes for 2020, both of which I still have not received. 

Today, I called my new lender who claims to have no knowledge of my request for forbearance to Planet Home Lending. They have been wrongfully reporting this to the credit agencies for months now when I was told I qualified on XXXX/XXXX/202 and there was nothing further for me to do. 

I can not get any further information from the company or my taxes.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-06-11
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

Specialized Loan Servicing bought our new townhouse condominium mortgage in XXXX, DE in late XXXX and claimed they could not verify our insurance status, threatening to purchase it for us. I called them and they found the document which they had misplaced. In XXXX we changed insurance companies and they started the process again. This time they wanted our condominium association 's coverage on the building ( not my HO6 ) but they never clarified that over several exchanges ; the information was provided to them when clarified. Insurance was ALWAYS in good standing. In a follow up letter dated XX/XX/XXXX they verified my insurance status but noted that I had not been under LENDER ASSISTED STATUS since XX/XX/XXXX ; attached was a statement that their letter was coming from " debt collector. '' I sent them a certified letter dated XX/XX/XXXX reminding them of their error in XXXX and asking about the implications of their status as a debt collector. They sent me a written reply dated XX/XX/XXXX saying I had mailed my certified letter to the wrong office for complaints and asking me to resend it. As they could have more easily forwarded my letter, their response is clearly contemptuous and their behavior is in bad faith. I want them to correct their records from XXXX and to explain their role as a " debt collector '' in reference to my account. Finally, I wish to note the extraordinary difficulty in calling this company as virtually all their lines are fully automated and their " customer service '' line had a three hour call back time when I tried it.
Consumer complaint received 2020-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MN)

Credence resource called me about a XXXX XXXX debt that i need to settle it and delete it off my credit report after payment.Debt has been paid off or settled but they will not take it off my record and still trying to call me to collect the debt that i have already settle.
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

On XX/XX/21 I called Portfolio Recovery Associates at XXXX as advised on their website to negotiate a settlement amount for a one time payment. I owe {$580.00}. The representative advised she was recording the call. I offered to make a one time payment of {$300.00} to settle and close the account. The representative accepted the offer. I then gave her my bank routing number and account number. She could not get the transaction to go through and asked me to repeat my banking information several times, which I did over the course of the 18 minute conversation. There is nothing wrong with my bank account so this is an error on her end. She eventually hung up on me. I called the same number back immediately and explained what happened. The new representative I spoke with said there was no record of the call or notes in the account about a {$300.00} settlement offer. She said they wouldn't have been able to offer me such a low amount anyways. She claimed there is no way for a representative to delete a call log. I am extremely concerned that I gave my banking information to one of their representatives repeatedly and they have no record of an 18 minute phone call.

Attached to this complaint is a screenshot from my cell phone showing the original call at XXXX on XX/XX/21 for 18 minutes, and then the 2nd call at XXXX on XX/XX/21 for 22 minutes.
Consumer complaint received 2020-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (TX)

I have written letters, made phone calls, even sent a cease and desist order to United Revenue Corporation requesting they remove the illegally obtained medical information from my credit reports. They are only to have my BILLING information under HIPAA. They have, however, my actual medical charts. I will attach proof.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (ME)

In XXXX I purchased a Cricut maker with my PayPal XXXX XXXX card linked to my PayPal account for {$91.00}. What arrived in XXXX was a cheap pair of sunglasses. I tried to contact the company but their website was gone and their email bounced back. I contacted PayPal on XX/XX/XXXX and was told that this case would be resolved in 90 days. I was contacted in XXXX for clarification about whether I had spoken to the company who sold me this. I answered immediately. I was then told that the company had until XX/XX/XXXX to reply to PayPal. On XX/XX/XXXX I contacted PayPal and after much discussion was promised that the money would be in my account by the end of the day. I called back on XX/XX/XXXX. They said the money would be in my account by XX/XX/XXXX. I called today and they say it will be there tomorrow. I want my {$91.00}.