davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

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, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-11-21
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: AFNI INC. (TN)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2017-10-25
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. (PA)

Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF XXXX COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of 18 and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623.  Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, FTC Identity Theft Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX cc : Pennsylvania Attorney General Office cc : Better Business Bureau cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (NV)

To begin, I ran my FICA score from my bank. When I agreed to have the bank scan my data for ID monitoring, for the last two years, the report revealed TWO activities linked to my SSN. The report further stated that I should review my name and addresses listed to double check for accuracy. 

Well, someone fraudulently used my SSN to open 3 accounts using my name. In addition to my current address, a second address was listed in the city of XXXX, MO. I had never lived in that city before. Thus, I knew something was wrong. 

Further, for the last two years I have been closely watching my FICA Score because it had gone from over 800 points to below 600 points. I justified the reduced scoring because I had one credit card that had a high balance and took over a year to payoff. Well, now I know that the TRUE reason my FICA Score plummeted two years ago, is because a person got a hold of my SSN and opened 3 accounts under my name and ruined my long-maintained credit score of being in the 800 range. 

The most detrimental account that was fraudulently opened was a XXXX Credit Card with a credit limit of {$3500.00}, opened in XXXX. This person made on time payments for the first 3 months, then made XXXX payments for the next XXXX months. Then the account was maxed out and at 102 % over the limit in the amount of {$3500.00}. The account was closed, a Charge-off was initiated from the Bank. 
I called the XXXX Bank today, XX/XX/XXXX, and the bank confirmed this account was closed. I was transferred 3 times. The last rep informed me that because of the status of this account that I need to talk to someone from their Fraudulent Department. I have to call tomorrow morning since this department was closed. 

The second account that was fraudulently created was an XXXX XXXX XXXX. As of the date of the Monitoring ID Report I requested on XX/XX/XXXX, the balance of the CC was {$0.00} and a credit limit of {$15000.00}. This was not my current XXXX. XXXX card because the beginning accounts numbers did not match mine and this CC was based out of XXXX XXXX, FL, whereas my current CC is based out of XXXX XXXX, CA. 

The third account that I believe is not my personal account is SYNCB/PPC from XXXX, FL. This is an active account ; there were payments received in XXXX and XX/XX/XXXX. The account was opened on XX/XX/XXXX. Highest balance amount was {$1400.00}. 

I will be calling the XXXX and XXXX XXXX , plus the Fraudulent Department XXXX XXXX tomorrow. TODAY, I successfully communicated with Experian, XXXX and XXXX about the identity theft of using my SSN to open the above mentioned 3 accounts plus the damage to my FICA Score and the incorrect address from XXXX, MO. I did receive a file number from XXXX and XXXX. All three of these credit agencies want me to mail and/or email the FTC Report to them once I complete this process with you. 

Thank you.
Consumer complaint received 2024-02-17
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. (TX)

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is fraudulent information from XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXX XXXX. I hereby request that XXXX XXXX. Remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXX XXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXX XXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXX XXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has Not Provided Validation information under 12CFR-1006-34 ( b ) ( 5 ) But yet they placed a Collection on my Consumer Report. 
I Have Not been given the chance to dispute this account according to 12 CFR 1006-34 ( c ) ( 4 ) ( l ) XXXX XXXX is Violating My Comsumer Rights by Using False Misleading, Misrepresentation and Decaptive means XXXX XXXX has No Authority to furnish an account to consumer Reporting agencies without providing any and all disclosure by law and they are in Clear Violations of 12CFR 1006-34 ( d ) and 15USC 1681-5 2 ( 7 ) ( a )
Consumer complaint received 2021-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (MN)

My mortgage transferred from XXXX Bank XXXX Huntington Bank. I have not missed a payment and Huntington Bank is reporting that I am XXXX or XXXX payments behind. I had called to talk with someone who told me they would have it corrected. It has been almost 60 days and I continue to receive notices that my mortgage is past due. I recently applied for a small personal loan and was declined. I believe it is due to Huntington Bank not having their records corrected.
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid XXXX XXXX A Professional Law Corporation, Attorney XXXX XXXX, XXXX # XXXX {$5100.00} to represent me in XXXX XXXX, Case No. XXXX. It is to my knowledge that Attorney XXXX XXXX was paid by Bank of America funds to which I also would like to receive from Bank of America. Bank of America foreclosed on my property, while I was trying to do a modification. The State Bar disbarred Attorney XXXX XXXX, XXXX. The Federal Trade Commission stated that case no. XXXX XXXX went to the U.S. District Court for the XXXX District of California. XXXX XXXX did get paid and maybe more. I will be faxing paperwork asap. Anything you can do to help would be appreciated. Thanks in Advance.
Consumer complaint received 2022-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX, # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following fraudulent accounts off my Credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. UNder the FCRA section 605b, you are required by law to remove these accounts off my Credit file since these accounts resulted due to my identity being stolen.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (NY)

I am XXXX XXXX and I am submitting this complaint myself. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. That means Equifax has NOT complied with the XXXX XXXX XXXX  Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2022-05-23
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXXhree negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-07-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (NJ)

To Whom It May Concern : I am writing because my vehicle was repossessed prematurely and not based on company policy. I was informed by an Ally representative their company has a 90  day policy for repossession. My payments are due on the XXXX of each month. My vehicle was repossessed either the evening of XXXX XXXX XXXX XXXX or the early morning XXXX XXXX XXXX XXXX. At the time of the repossession my account was 85 or 86 days past due. I have called XXXX times since XXXX XXXXXX/XX/2019 to resolve this matter with Ally to no avail. I tried to make payments to Ally twice on XXXX XX/XX/2019 ( two different calls ) for the total past due including any and all fees plus the upcoming payment that's not due until XX/XX/2019 ; and they have repeatedly refused to accept my certified funds. They are stating because the vehicle has already been repossessed, I now have to pay the total balance in full. I had just received an email from Ally on XXXX XXXXXX/XX/2019 at XXXX XXXX  stating my payment was due on XXXX XX/XX/2019, but according to the representative my account was already flagged for repossession days before. I was preparing to make a payment on XXXX  XX/XX/2019 because I just received a pay check from my employer that cleared. However, I awoke to find my vehicle was taken prematurely repossessed. I feel I am being treated unfairly and under the circumstances I would like to be given an opportunity to rectify this situation. I never received any verbal or written correspondence stating my vehicle was in jeopardy of being repossessed. I honestly thought if I made payments on XX/XX/2019 I would be fine. I am able to make all the past due payments and any fees plus the upcoming XX/XX/2019 and even XX/XX/2019 payments in full immediately by certified funds. This is my livelihood, if I don't have a vehicle I can't work and if I can't work I lose everything.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

PayPal of Synchrony bank continue to report incorrect information. In XX/XX/year> they accepted a payment agreement with XXXX of XXXX. The amount submitted by XXXX or XXXX was {$81.00}, synchrony bank accepted this with a note that they wanted to chnage the amount. 

As per XXXX of XXXX that is the incorrect way to do it as its accepted in the system. Synchrony bank should have declined the proposal and submitted a new one. XXXX of XXXX said that Synchrony is aware of the correct way to ask for a payment change and the error was on their end as they accepted the proposal. Each month I made payment to XXXX of XXXX and it was made to Synchrony bank for the accepted proposal. Synchrony bank made the mistake. XXXX of XXXX contacted Synchrony bank, they realized what the error was and I was told I didnt need to pay the past due as it was Synchrony Bank error they were going I fix in their system. Synchrony did fix my credit report that month but didnt update their system. 

I have the correspondence between synchrony including proof they accepted the {$81.00} proposal, adding a note of different payment is not the correct way to do it, they had to decline the proposal. If this is not fixed on my credit report I will be contacting a consumer credit lawyer.
Consumer complaint received 2021-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MI)

I have been fighting with Fortiva credit card company. I lost my job when covid hit back almost XXXX years ago. The fees and interest that they continued to charge when I reported our financial hardship to them. The card balance is double of what it was when I lost my income. We went from XXXX incomes to XXXX when the covid pandemic started. 
I refuse to pay all their late fees, interest and other fees. They can take the balance back to where it was when the last purchase was. 
They refuse.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I need help removing this negative accounts that XXXX  is reporting and hurting my credit score,  they are as follows : XX/XX/XXXX XXXX XXXX amount {$480.00} XX/XX/XXXX XXXX XXXX XXXX  {$840.00} XX/XX/XXXX XXXX XXXX {$29000.00} XX/XX/XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX {$490.00} Please help me in removing and resolving this issue, thank you.
Consumer complaint received 2022-05-23
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX i received a email saying my account is under review due to unusual activities. It maybe closed and i will receive a check with my balance. I call and they saying theyre investigating my account and the source of the funds. I contacted the person who transferred and they not heard nothing from they bank and everything is ok. Actually today im keep receiving wire transfers and no issues at all. I had been without fund access since XX/XX/2022 and they keep saying there no estimated time to resolve the investigation. I really need help on this matter