davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$850.00}, {$9000.00}, {$5000.00}, {$11000.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$850.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

-- CLOSED ACCOUNTS 5. XXXX XXXX/XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account.
Consumer complaint received 2023-01-23
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. (MD)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX  XXXX Balance : {$1000.00}
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (PA)

During the billing cycle of XX/XX/19 -XX/XX/19, the company reduced my credit limit from {$10000.00} to {$5200.00}, significantly impacting my credit score. I have never missed a payment and had a 100 % payment history from the time the account was opened. It has placed me in a difficult situation as it has negatively impacted my abilities to recover my credit score hindering me from obtaining new credit. It also forced my utilization to go from about 50 % to 100 % causing further damage to my credit score and crippling my purchasing power. I am not in derogatory and I have ensured the payments were made in a timely manner.
Consumer complaint received 2023-01-23
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. (MD)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$860.00} ; XXXX  XXXX Balance : {$1000.00}
Consumer complaint received 2019-12-31
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: EQUIFAX, INC. (NY)

i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Consumer complaint received 2019-12-31
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I paid my payment on time and was sent threatening statement saying it was late, payment plus next payment plus late fee owed. I have proof it was paid. I am XXXX years old and this is my home. I am afraid this company took over from prior servicer and will try to foreclose on me. This is XXXX.
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (MI)

In XXXX I co-signed for a Care Credit account for a friend 's dental work with XXXX XXXX. The work was expected to take 6 months. In XXXX all dental  work was put on hold in Michigan due to Covid-19.  Dental  work resumed XX/XX/XXXX, and my friend has 3 more visits to go until her work is complete. 
During this time we never received a bill. She asked the dentist who said that happens sometimes. We assumed once the service was complete we would receive a bill and begin payments as agreed. 
Last week I checked my credit report and saw Care Credit through Synchrony Bank had reported me as 150 days late. I called them and they could not give me any information, just sent me to a collections department. I spoke to the lady there, who could not tell me how to make a payment, said I would not get a bill and just kept saying you should have called us 7 months ago. Maybe we should have, but we assumed we would get a bill when the procedure was complete. 
The account number is XXXX XXXX XXXX XXXX. The balance is {$12000.00} approximately. I want to pay my debt as we agreed, but can get no cooperation from Synchrony Bank.
Consumer complaint received 2019-12-31
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: CITIBANK, N.A. (CA)

Hi, my name is XXXX XXXX I have had an account with Macy 's Credit Card Services.  The card # is XXXX and the security code on the card is XXXX. I have called Macy 's credit services to notify them that they are not report my account on my credit report, and I have also made charges on my account that does not reflect the information online. Their online website information is not correct and does not match the balance that I have. For some reason, they are not able to add my new card on file and that is why I think they are not able to report this information to the credit bureau 's. When I call the number on the back of the card to check my balance, it is different than the balance that shows on my account online. I just recently made transactions online and it shows that I have purchased products, but the information does not reflect or equal to the correct balance online. I have asked Macy 's in writing to please correct this and to report the information correctly to the credit bureaus and they have failed to do this for me.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2019-12-31
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$120.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.
Consumer complaint received 2019-12-31
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$120.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.
Consumer complaint received 2019-12-21
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)

I was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions or purchases with any of these accounts.
Consumer complaint received 2019-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc ()

PayPal was a middle man for {$260.00} I accidentally took from my own account to deposit in my account. PayPal was used as Venmo or XXXX. 
I wanted to borrow {$260.00} credit from PayPal to deposit in my XXXX  checking account. 
Unfortunately I did not realize I had it set up for PayPal to pull from my checking account and then deposit the money into my account. 
I realized it I had made the mistake within seconds. I called PayPal to have them cancel that transaction before they process. My call was unsuccessful, the customer service agent stated he could not cancel the transaction due to the fact that it was done with my bank and the transaction was in process and I would need to reach out to my bank. I did so, my bank stated they would give me a credit while they investigated the transaction. I was informed if they found the transaction was a correct transaction they would pay PayPal and charge me, the investigation would take 10 days. 
I did not get charged for it. My PayPal was negative {$260.00} from the canceled transaction. I called to ask PayPal how this was a charge. They would tell me a supervisor was going to speak to me and they would leave me on hold for over 45 minutes and the line would cut off. This repeated itself three times. 
My mother had a PayPal account and has been paid off for a little over {$4000.00}. The collection agency is under my mothers name after we paid off PayPal upfront. 
The {$260.00} was an erroneous charge and needs to be rescinded. 
If it was ever a valid charge it shouldve been under my name, not my mothers. 
Ive called the collectors and asked for verification of the original transaction and to validate the debt. The collector stated they would send me a copy. I was sent a letter that read PayPal has validated the debt. That was not verification. 
I wrote to the claims department via email and have called them as well, I was sent a letter stating attached is the verification. 
It is not verification. I am attaching the letters they sent me. Please help me. This is not mine or my mothers debt and now it is affecting her credit.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

account is closed and they have charged it off which should then be reported as a XXXX balance on my credit report and they continue to show it as a active delinquent account with an outstanding balance of {$420.00}. When using a credit monitoring service through XXXX to dispute this error the creditor has only updated the info as if the lingering balance is correct, and it's not. In addition they have recently sold the account to a collector, and now even further my request to have the balance updated should be honored, and they still refused to show that the account has been sold.
Consumer complaint received 2019-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

last month I file a fraud charge to my credit card company about the charge, the fraud department said that they will take care everything to me but on this month they charge me another interest I call them and they said that because the purchase I said the payment I pay is enough to cover but they said that's no way they can do and the fraud department guy name XXXX yield on me say they won't do anything for me made me so up sad.
Consumer complaint received 2019-12-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America charged a Bank of America credit card in my name that I never received and never activated and never authorized and is now also charging me late fees.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

I received a call from a nice lady that worked at Citibank Wire fraud department and she emailed me a document to sign and send in, however I noticed that it wants me to get it notarized. I can't do that I currently have XXXX. So I faxed it with my ID to prevent you guys from closing the case. She called me on XX/XX/XXXX and I just faxed the paperwork on XX/XX/XXXX at XXXX PM XXXX. 

I also received a notice that you took the provisional credit of {$1500.00} out of my son 's account due to you stating that we have possession of the card. THAT's NOT TRUE. HE LOST HIS WALLET ON XX/XX/XXXX AFTER HE LOST IT AT A GAS STATION. 

I have repeatedly stated this. At this point pull video surveillance he did not do this nor authorize or was in cahoots with anyone. He never received the {$1500.00} he never orchestrated a scheme from the bank. 

He can't sign the form as he's currently hospitalized for XXXX as he has underlying illness of XXXX. I'm joint owner on this account and I can sign on his behalf. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This isn't a priority for him but it is for me this is my reputation and I'm not letting this go. 

I'm disputing the following items 1. {$4700.00} wire transfer 2. 2 Checks that were deposited for {$17000.00} ( Uncertain as I can no longer see that account activities ) 3. {$1500.00} ATM Withdrawal
Consumer complaint received 2023-01-23
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: Experian Information Solutions Inc. (GA)

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 account name XXXX XXXX XXXX account number XXXX account name XXXX XXXX  account number XXXX has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reported agency can not furnish an account without my written instructions. 15 USC 1681 c. ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report and containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which intimidates the report by more than seven years 15 USC 1681s-3 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cause to believe that the information is in accurate
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have asked for valadation on accounts that appear on my report and I have not heard back from the companies. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are un verified according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information that is innaccurate, incomplete, or which provide testimony and certification that you can not be verified. XXXX cards, XXXX XXXX Card, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, and, XXXXXXXX XXXX services. It is also my understanding that under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, INCOMPLETE, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirely or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHT TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formated reporting standards according to regulations.
Consumer complaint received 2020-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage sent up an escrow account stating I had a lapse in coverage and billed me {$130.00} for homeowner 's insurance on my XXXX statement. I do not have an escrow account. I have been paying my own insurance in monthly installments since the renewal date of XX/XX/XXXX, I called them originally on XX/XX/XXXX explaining to them I should not have an escrow account. They stated they did an anaylsis and determined I had a two-day lapse in coverage in XX/XX/XXXX which is incorrect I called to follow up again on XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX. They insisted I had a lapse in coverage and did nothing to resolve the matter. After my call on XX/XX/XXXX I submitted the requested documentation by them, from my insurance company showing my payment history along with a statement stating I had no lapse in coverage. They stated they did not received it despite my receipt of an confirming email stating it had been received. I called again on XX/XX/XXXX, XXXX, and XXXX attempting to follow up. I spoke with amabassador XXXX and supervisor XXXX along with several customer service reps over several weeks with no resolve. XXXX stated she would call me back the day after our conversation however never did. I called back asking again for her to return my call but again, no response. All these calls were recorded. I confirmed with my insurance company, XXXX that Freedom Mortgage has paid {$0.00} to them.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

I would like these inquiries removed fromm my credit report. I have no knowledge of them and I know I did not approve or request. I don't recognize them at all, can you please remove from my credit report
Consumer complaint received 2020-06-09
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. (CA)

Credit Bureaus refuse to remove or verify an incorrect collection that is not mine. XXXX XXXX in the amount of XXXX . This account is violating the FCRA laws. Needs to be removed
Consumer complaint received 2019-12-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C. (MN)

Hello and thank you for your time! 


I just received a notice of Garnishment/Garnishment Summons in the mail. First off this debt is 13 or 14 years old, well past the statute of limitations. 

Most importantly, I wasnt given due process to speak on my behalf. Apparently a judgement has been leveled against me for this garnishment but I never received notice of a hearing or had any chance to fight. This is debt thats been bought by one of those scavenger junk debt companies, Im not even sure this debt is mine, especially with the amount theyve been awarded!