davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

I was alerted through a number of credit alert accounts that I have ( XXXX  XXXX, XXXX  XXXX, etc. ) that a new account was opened on XX/XX/XXXX. The name of the account appears as SYNCB/JCP. 

I called Synchrony Bank and reported the fraud immediately, and they said they are looking into the matter. They assured me that I would not be held responsible for the fraudulent account that now has an initial balance of {$1400.00}. However, I am following all of the steps that I read online to ensure that this matter is resolved - my credit score is restored, the account is removed from my credit history, and the balance is removed from my credit profile. 

The open report claim number with Synchrony Bank is XXXX. Thank you in advance for your help.
Consumer complaint received 2019-12-13
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (MI)

This problem is from a mortgage company called mr cooper. The first issue was with the first loan officer who did do his job properly which pushed our process of closing on a property a month later. Second issue happen after getting everything caught up and all parties agreed upon waiting for later closing date. I paid for inspections, and also a down payment on property as advised. which money I loss as well with out being at fault. However day of closing at attorney 's office with the pen in my hand to sign for home for me and my family, closing attorney tells me to call loan officer because we are waiting on closing paper. So I called, and my heart and my humility was tarnished after mr cooper tell me loan was denied because of an " GAP '' check. An old account on my wife credit that was resolved. I called mr cooper and asked what is the process of a gap check ( when is it done ) and was told three to seven days prior to closing. I feel I was treated unfairly and did not get any of the money I have loss. On the day of closing! I have proof of all documents closing dates everything needed to get this resolved please help me and my family. Not mention they have a FHA rejection on me and my wife account which is making it hard to apply for another mortgage.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My credit limit was lowered from {$11000.00} to {$6200.00} and when I questioned this vie letter on XX/XX/2018, a hard inquiry was placed on my credit report. This is not the same as requesting for credit since it is because of an action you took. I have been a good customer and never missed a payment on any Bank of America account. I even made a large payment of {$2500.00} on XX/XX/2018 that I now wish I didn't made if I knew my credit limit would be lowered. Even though my credit report shows negative accounts, these balances involve transactions I disputed. With the balance at approximately {$6000.00}, its obvious my limit was lowered to just above that amount. Now it looks like my card is maxed out instead of 55 % used. I shouldnt be penalized for my history with other creditors.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Torriere Holdings INC (AK)

Spire Recovery Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX. Requested verification/validation of debt on XX/XX/2024 via companies online portal. 
XXXX. Received email on XX/XX/2024 stating information would be mailed to my home. 
XXXX. Contacted by XXXX who left a voicemail on XX/XX/2024 via telephone about the debt despite still not receiving verification/validation. 
XXXX. On XX/XX/2024 received via email " Settlement Offer '' from company despite still not receiving verification/validation of debt. 
XXXX. I responded to email stating as I had still not received verification/validation of the debt they were in violation of Fair Debt Collection Practices Act. 
XXXX. They responded via email that I had not provided information to them which is incorrect. 
XXXX. Shortly thereafter on XX/XX/2024, I received an email with a purported " Validation '' pdf attached that stated I owe {$5800.00} with no proof other than the letter signed " Sincerely, Administration ''. 
XXXX. I responded to their initial " Settlement Offer '' email again stating they were attempting to provide verification/validation after violating the Fair Debt Collection Practices Act and they still had not provided actual verification/validation of the debt. 

Today I logged into their online portal and encounter an error stating " Information for this account is not available online at this time ''. 

There is no amount owed or any other identifying information available.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Credit card had identity theft. They referred me to XXXX XXXX XXXX XXXX to work out. I paid a fee and XXXX just charged off and reported even though identity theft. 
The XXXX vendor assured me that would not happen at enrollment
Consumer complaint received 2021-07-28
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: Convergent Resources, Inc. (GA)

On XX/XX/2020 Convergent Outsourcing added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, Convergent Outsourcing has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. 

I have already sent several request for debt validation to Convergent Outsourcing, however they remained negligent and did not respond or delete the unverified account from my credit report.
Consumer complaint received 2021-07-28
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patenaude & Felix A Professional Corporation (VA)

I have received several phone calls from XXXX XXXX stating that I owe money to National Collegiate Trust. NCT tried to litigate against me several years ago but, was unsuccessful as they could not verify the debt and the alleged debt was past the statute of limitations. I informed the callers that the debt was past the XXXX and to never contact me again and they still call me very often.
Consumer complaint received 2024-04-17
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. (MD)

I issued XXXX Letters to the agencies and they did not send proof of validation or investigate the accounts or inquires not authorized by me. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CO)

Reached out to XX/XX/XXXX to try to settle on debts that are listed on credit report, but hey claim they have NO RECORDS of any file with my name on it. They said the same thing when i called them back in XXXX of XXXX. I have tried disputing it but have been unsuccessful. 

All i am asking is for this to be removed from my credit report as soon as possible, especially since they aren't supposed to be placing negative items on consumer reports during covid. 

Thank you.
Consumer complaint received 2021-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (TX)

I have called many times, every time I waist about 1 hour of my day and never get a solution. This company is the worst ever! They raised my mortgage from XXXX to XXXX from nowhere! They did add a special and they never were able to explain what was that. They tried to blame the tax but it doesnt make any sense because I pay less than XXXX yearly and back in XXXX my escrow was already XXXX. Also, my insurance is less than XXXX  yearly. There is no way that I have to pay extra {$4000.00} for my escrow. Crosscountry is so disorganized, dont help customers properly, have a unprepared team that cant handle with our requests and now is making me pay a lot of extra money for no reason at all!
Consumer complaint received 2021-07-28
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: CITIBANK, N.A. (MA)

RE : Citi XXXX The credit card company resolved the dispute in my favor, but only for {$1.00} ( amount of sales tax ). The disputed amount was {$31.00}.

Their letter claims that I " accepted responsibility for the amount of {$29.00} '' WHICH IS NOT TRUE! Why would I do that? 

They obviously know this isn't true and they're playing games.
Consumer complaint received 2019-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION (VA)

For my old BB & T account XXXX, every month between the XXXX and XXXX there was a charge around $ 2,600- {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I never authorized any of these ACHs and would like each one to be refunded/charged back.
Consumer complaint received 2019-12-13
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)

My information was compromised and used to obtain unauthorized credit card accounts with XXXX  XXXX XXXX for {$2800.00} and XXXX XXXX XXXX for {$1400.00} which was never paid and caused my credit to take a huge hit and its affecting my ability to purchase a home for my family.
Consumer complaint received 2023-12-07
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. (FL)

XX/XX/2023 a letter was sent to transunion explaining that there had been some fraud on my account with someone applying for credit in my name. It has been over 30 days and i have yet to this issue resolved
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Called Capital one to make payment of XXXX on due date XX/XX/23 via phone and was told that the account was restricted and would have to call back Monday morning XXXX time. Was not informed of this action and now running the risk of having the account permitnially closed due to no being informed about this action.
Consumer complaint received 2021-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

During the Covid Pandemic, XX/XX/XXXX, I put my home mortgage account in forbearance. I didn't pay 2 months, XX/XX/XXXX and XX/XX/XXXX but resumed making payments in XX/XX/XXXX. During this time, I was instructed by the company that missed payments would not be reported to the credit bureaus. In XX/XX/XXXX, I get an alert that my mortgage account has been reported 60 days past due to all the credit reporting bureaus, although my XX/XX/XXXX mortgage statement indicated that my account was still in Covid forbearance status. When I called the mortgage company on XX/XX/XXXX that's when I was informed that my forbearance ended XX/XX/XXXX and that I should not have gone by what my actual mortgage statement was reporting, which was that my account was still in forbearance at that time. On XX/XX/XXXX I paid all past due amounts, which was also reported incorrectly on all 3 bureaus, bringing account current. Each bureau is reporting something different, so there are so many inaccuracies throughout the report. I filed disputes with all 3 bureaus and the resolve was the information was verified and reported accurately. I pulled my credit report XX/XX/XXXX, again to see that there is yet still another 60-day reporting for XX/XX/XXXX. I've written " Goodwill Letters '', spoken with several representatives and no one was willing to help me. I informed the company that a 60 day was now showing up for XX/XX/XXXX and was informed that they did not report it that I had to take it up with the reporting bureaus, which I did, and the information came back that my mortgage verified the information as accurate. I've been a customer since XX/XX/XXXX and before the pandemic I've NEVER once been late. I protect my credit like I protect my peace and there's no way I would have allowed a 60 day to hit my report, causing me XXXX points. These inaccuracies across the 3 bureaus have caused me physical, emotional and financial damages
Consumer complaint received 2019-12-13
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. (FL)

My information was compromised and used to obtain unauthorized credit card accounts with XXXX  XXXX XXXX for {$2800.00} and XXXX XXXX XXXX for {$1400.00} which was never paid and caused my credit to take a huge hit and its affecting my ability to purchase a home for my family.
Consumer complaint received 2021-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. 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 would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.
Consumer complaint received 2021-07-28
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: FORD MOTOR CREDIT CO. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (MA)

I have been trying to get an auto mobile loan. And I have been told that I have 4 auto repossessions on my credit reports. I only have 2. While one was due to a probation violation and the car was returned still new with less than 2000 miles. In applying for a loan at XXXX  I was quoted a lower down payment. and was told after that I had put in the wrong social security number. I found that impossible when I had reviewed my report with one of there sales people on the girls day off. This has been happening to me for sometime. I believe my score is being deliberately shown wrong. I have been told that each loan I have been applying for the dealerships are being contacted by either a state or federal official. I believe requesting they make the loan unachievable or denied. My loan with XXXX XXXX is a paid as agree loan and is showing as a closed account. I have been having to rent a car for work at almost XXXX  wkly in order to get to work. one of my XXXX XXXX accounts was closed due to my banks changed routing number that most places say do not exist. And also after contacting the CFPB in regards to a collection account from XXXX XXXX  and going through the process and offering a fair settlement and refused was removed from my credit profile. And then just showed back up.
Consumer complaint received 2021-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

I received an alert from XXXX XXXX letting me know a cc card was opened with a {$9200.00} limit on XX/XX/2021. I did not open this acct. My first disputed stated i did not know this account and they refused to close and remove this. I did not open this account.
Consumer complaint received 2021-07-28
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: LEXISNEXIS (MO)

LexisNexis is in violation of the FCRA 15 U.S. Code 1681b ( a ) ( 2 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 )
Consumer complaint received 2021-07-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TrueAccord Corp. (TX)

This company contacted me via their various alliases. I asked them to provide a validation and they produced a letter from another company. I do not know this company never had a relationship with this company and believe that they are attempting to extort me for monies I am not responsible. They should not have my information and they are attempting identity theft. They have absolutely no reason to be contacting me as I have requested validation on XX/XX/2021 they sent a fraudulant email on XX/XX/2021 not only totally out of compilance of their governing bodies compilance and procedure but not validation of all requested information and keep attempting to defraud and educated consumer. Enclosed you will find all of my exhibits and invoice. My certified copy is enclosed as I know the legal progess starts in the mail.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX XXXX as I am a customer with XXXX.
Consumer complaint received 2021-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have contacted equifax XXXX XXXX and XXXX about my XXXX XXXX card no one is helping get it removed I disputing the item several time.. XXXX used my tax return back in 2017 to collect the debt amount it has been over 7 years every time I dispute the item it just says verified I have sent letters and asked how it was verified.. XXXX is not responding to my email or are they reporting to the credit bureous all I get is you have to call XXXX which I did. I am requesting the XXXX XXXX card to be removed from my credit report immediately if no one can provide me information I have been requesting for
Consumer complaint received 2024-04-16
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: WELLS FARGO & COMPANY (OR)

On XX/XX/2024 I had an email from both XXXX and XXXX that I had a new hard inquiry on my credit report from WF CRD SVC that occurred that day. I have not applied for new credit through Wells Fargo nor did I authorize a credit check. I do have an auto loan that I opened nearly 2 years ago through Wells Fargo. I contacted Wells Fargo and Wells Fargo Auto Loans and they stated that they did not see any new credit requests on their end.