davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: SYNCHRONY FINANCIAL (FL)

In or around XXXX of XXXX  someone opened a new credit card with Synchrony bank without my authorization. While checking my credit information on XXXX XXXX I noticed this new account that 2 late payments. I HAVE NEVER BEEN LATE on any of my cards. This brought my credit scores down about 30 points. I had over 700 credit score in all 3 bureaus. This has hurt my chances of getting a good interest rate on a loan to pay all my credit card debt. I am extremely upset with this bank as I Never got a call, nor email, nor correspondence or any alerts about late payments. THERE IS NO EXCUSE for this as they do have my contact information as I have 2 credit cards with them in GREAT STANDING. I called the bank, was given fraud case # XXXX. To make matters worse, I received a letter from Synchrony saying I disputed my credit care credit card debt, WHICH IS NOT TRUE! Now they are saying they have no information of the acct that was opened without my authorization and was given a fraud case number for. Yet in my credit wise account info it shows an account that was opened. I have documents. Letters to the credit bureaus, receipt of monies incurred to send letters to the Bureaus regarding their Negligence. They are ruining my financial future. I need to get my credit scores back to where they were before this happen. Please help.
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CENTRAL BANCOMPANY, INC (MO)

I went into the bank to close out my account XX/XX/2024 the teller refused to provide proof of the account closure I was then charged overdraft fees on my account and once again go back into the bank this is absolutely ridiculous
Consumer complaint received 2018-12-14
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. (TN)

On the XXXX XXXX XXXX I submitted a dispute to each of the major credit reporting agencies to report me being an identity theft victim. Despite the submission of all supporting documents required by the reporting agencies and the FCRA sec 605b for victims of Identity Theft, there has been no action taken yet.
Consumer complaint received 2022-06-18
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. (NC)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (KS)

I used Credit Karma ( CK ) tax to file my taxes for the year XXXX. I had issues with linking my personal bank account to direct deposit my federal tax return. So, I could either have a check mailed or open an high yield savings account with CK. I gave the latter a try. Sometime at the start of XXXX, I requested that Credit Karma close my Credit Karma savings account and send me a check for the funds ( {$490.00} ). 

CK will only allow one bank account to be linked to their savings accounts. I did not realize when I selected the savings deposit, that the IRS/government account that paid out tax returns would forever be the account linked to my savings and I could NOT change it. Therefore, the only way for me to receive the account holdings was via check, which I specifically requested. 

CK closed BOTH my savings account AND my entire CK account. AND they returned the money to the linked IRS/government account, NOT a check to my listed home address like I had asked. 

On XX/XX/XXXX, I filed a case with CK trying to explain the issue. I asked to have my account reopened, tried to explain that I only wanted the savings account closed, and that I still hadn't received a check in the mail that I had asked for. 

They replied back stating that they had already resolved the issue and settled on XX/XX/XXXX to my external bank account. 

I replied that I specifically asked for a check to be mailed and that the linked account on file was not mine. 

They told me it sounds like I need help from XXXX XXXX. And then to get help from XXXX XXXX Taxes. There was some more back and forth trying to correct the confusion until I was told that they would have to escalate this issue to another department. 

XX/XX/XXXX, I received an email from CK saying that my funds have been returned to my external funding source. 

I replied that I would really like a phone number at this point to speak with a representative since email was proving to be useless at explaining my problem. 

I waited but received no reply. 

XX/XX/XXXX, I filed another complaint with CK. 

They replied with the exact same same response, that they returned the funds to the linked account. They also said that my account had been closed due to a party fraud project. 

I replied that I had not received any funds and if there was a phone number I could call. 

The last response I had with them said they could give no other details at this time and that they had the right to lock and deactivate accounts at their discretion.
Consumer complaint received 2018-12-14
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/XXXX of this year I observed XXXX XXXX on my credit report as a inquiry. I notified Equifax and was instructed that the company ( XXXX ) would have to request to remove the inquiry. I contacted XXXX XXXX and on XX/XX/XXXXI received a letter ( attached ) requesting that Equifax remove the inquiry. I also  forwarded the letter in XX/XX/XXXX, via mail, and have not received and type of response back. I contacted Equifax 's dispute department and the representative stated I would have to request the inquiry to be removed from the company. I informed her I did and forward a copy of the letter too. This was done in error and just want Equifax to do the right thing.
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I received a letter in the mail on XX/XX/2020 from FCO ( fair collection & Outsourcing ) attempting to collect a debt for the amount of XXXX. The creditor name is XXXX XXXX At XXXX XXXX  I called the number shown on the letter and explained to the representative that the collection to this noticed isnt mine. I told him I have never signed no lease with this company or lived at these apartments. I have my supporting documents of my utility bill, lease, and proof of identity. He was really rude on the phone and stated that I had to make a report before being taken off collection. Which is the reason why Im here making a report.
Consumer complaint received 2018-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

Experian is reporting 2 Hard Inquiries that i did not authorize. 

1. ) XXXX XXXX ( Auto Fin ) ( XX/XX/XXXX ) 2. ) XXXX XXXX ( Auto Fin ) ( XX/XX/XXXX )
Consumer complaint received 2022-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (UT)

This mortgage was in forbearance due to COVID 19. When my financial hardship ended and at the end of the forbearance period, this company refused to offer any kind of work out solution other than pay back all the missed payments. I have called them more than XXXX times and sent them ( at their request ) over XXXX pages of documents. They never return my calls. I resumed sending them monthly payments, which they refused. Their latest letter says among other things, " we have the right to invoke foreclosure based upon the terms of your mortgage contract ''. And, " We were unable to complete the evaluation of your loan because we did not receive all of the required documents. '' I've have sent them the all the documents they have ever requested many multiple times by way of email and regular mail. I can't decide if they are trying to steal my house, or are just totally incompetent. I have attempted to refinance the property through a different more competent lending institution. However, since they have been reporting me late to the credit agencies, my credit score has dropped 100 points and now I'm not able to get a new loan.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

Contacted XXXX XXXX of XXXX XXXX, they ran my credit more than one time. I emphasized that I didn't want my credit ran but one time. I talked to some in in the finance dept and she said there's nothing she can do. 
the list is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-10
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. (MI)

I have filed a dispute with all three of my credit report companies requesting information on a accounts that were reporting incorrectly. The first time I disputed accounts in question I did through the reporting agencys website and after receiving document stating that they verified as correct!! I then practiced my rights and sent them a certified letter indicating the results and I was wanting to know the method that was used to verify the incorrect information that is harming my account as stated in federal law Section 611 ( a ) ( 5 ) ( A ) ( i )
Consumer complaint received 2018-04-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

We have owned our home for 32 years since XXXX. In XXXX we applied for a Modification loan the terms to our understanding was to be for the remaining terms of the loan ( 20 years ) which would have the loan paid in full XXXX. As with many loans our loan has been sold many, many times. Apparently along the way I was taken off the loan which we did not do with all the servicing companies that have service our loan they state I'm not on title according to their record and every time we call the servicer ( s ) my spouse must give permission to whoever is servicing our loan to speak to me, we have told them many times I was never taken off the loan. We checked with the title company they are showing the Deed of Trust and Note XXXX no modification filed. 

In one of the correspondence from XXXX they state that our loan has not been modified ( XXXX XXXX ) according to their records ( see attached ). XX/XX/XXXX XXXX sent us a payoff quote we did not request a payoff quote. 

After numerous time requesting from servicers to send a copy of the Modification agreement they only send the Deed of Trust and Note ( XXXX ). We've requested from the last servicer who is now XXXX to send the information on the modification as of yet they have only sent Deed of Trust and Note ( XXXX ) We are now seniors and we desperately need resolved this matter. 


Thank You,
Consumer complaint received 2018-05-16
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. (IN)

In XX/XX/2017, I pulled my credit reports from all three credit bureaus and found several inaccuracies being reported. My first, second, and third attempts at disputing the inaccuracy has failed. Each time, all three bureaus state the debt has come back verified. I have requested on numerous occasions the documentations used to verify the account in question. XXXX XXXX XXXX XXXX is reporting a debt inaccurately and the three credit bureaus are allowing them to violate my rights per the FDCRA and the Louisiana Uniform Commercial Code. The credit bureaus are refusing the documentation and consistently reports falsely. By law, I have the right to legally pursue legal action against these offices and at this point to consult with the State attorney & Attorney Generals office because this seems to be slander. My reports are falsely reporting and at this time I strongly feel has prevented me from obtaining adequate employment hindering me from being gainfully employed in my career.
Consumer complaint received 2018-05-16
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. (MD)

XXXX XXXX XXXX is a fraudulent account because they keep adding fraudulent charges to a charged off closed account. They sent me a letter stating that they will Cease and Desist from contacting, reporting unlawful information on my report and collections, but still persist on doing so. Per FCRA that is a violation.
Consumer complaint received 2021-09-01
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. (CO)

FRAUDULENT/UNAUTHORIZED INQUIRIES ON CREDIT REPORT. I HAVE REQUESTED THE UNAUTHORIZED ITEMS BE REMOVED AND THEY STILL REMAIN I DEMAND THIS INACCURATE INFORMATION BE REMOVED FROM MY REPORT IMMEDIATELY. ATTACHED IS A COPY OF MY FTC REPORT. IF THIS INFORMATION REMAINS ON MY REPORT I WILL EXECUTE MY RIGHT TO THE FULL EXTENT OF THE LAW AND SUE EQUIFAX FOR REPORTING INFORMATION THAT VIOLATED MY RIGHTS UNDER SECTIONS 609 OF THE FCRA I DID NOT MAKE THIS INQUIRY : 1. XXXX  XXXX XXXX  XXXX 2. XXXX XXXX XXXX  XXXX 3. XXXX XXXX XXXX
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

THIS AGENCY IS TRYING TO COLLECT A DEBT THAT BELONGS TO ANOTHER COMPANY ( XXXX XXXX ) I CALLED THE CREDIT BUREAUS AND WAS TOLD THAT XXXX XXXX IS THE OWNER OF THE ACCOUNT AND NOT NATIONAL CREDIT SYSTEMS. THIS IS A DOUBLE JEOPARDY, TWO COLLECTION AGENCIES REPORTING ON MY CREDIT FOR THE SAME ACCOUNT. DESPITE THAT XXXX IS AWARED ABOUT THE DUPLICATE ACCOUNT INDICATES THEY ARE NOT GOING TO REMOVE IT. THSI IS AGAINST THE LAW. TWO COLLECTION AGENCIES CAN NOT BE REPORTING OR TRYING TO COLLECT THE SAME DEBT.
Consumer complaint received 2018-05-15
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: Experian Information Solutions Inc. (TX)

I ordered XXXX XXXX  in XX/XX/XXXX. The original contract rate was for a year, which was paid, and I continued to pay it until XXXX bought XXXX at the end of XXXX. When XXXX took over the service, they raised the rates somewhere around 70 % and the service was horrible, so I called them and told them to get their equipment, I DID NOT WANT THEIR SERVICE. They never picked up their equipment, and they continued to charge my account in spite of me calling to cancel. 

I attempted to cancel this account multiple times in XX/XX/XXXX and was either hung up on or they said equipment pickup was scheduled and it never happened. 

Cliffnotes : 1. THESE CHARGES ARE UNAUTHORIZED. 

2. XXXX is essentially using Experian and my credit rating to extort funds from me. 

3. If I, in fact, did have their service, then why didn't they cancel it after 90 days of no payment? ( Because they know they can use credit bureaus to extort funds from people with little to no consequence ) 4. The other credit reporting agencies have long ago removed this from my report. 

5. Lastly XXXX  HAS NO SIGNED CONTRACT OR EXTENSION FROM ME FOR THE DATES THEY SAY I OWE THEM FOR, because I never wanted it nor would I have signed it. 

Thank you. 

XXXX
Consumer complaint received 2023-01-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arena Investors, LP (OH)

This is response to complaint XXXX They still have not provided me with proper documentation showing they own or legally allowed to collect on this alleged debt First off, this was my first complaint against SRA as they are attempting to say that since I filed complaints against XXXX that those are complaints I filed against them. This leads me to my actual complaint. 

Who is collecting this alleged debt? According to the call I received the lady said " we are working with XXXX '' So who owns the alleged debt? 

I have requested twice now, once when SRA called ( and if they are actually XXXX they know they should not be calling me which is a violation ) if they are not XXXX why are they refusing to show me an agreement that says they are allowed to collect on this debt? How do I know if I paid this alleged debt to SRA that it is not just a scam?
Consumer complaint received 2022-06-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my XXXX consumer report : Dispute : Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 XXXX/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) Bank of America is in violation of my rights. To my knowledge, I have never had owed money to Bank of America. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from Bank of America including copies of any documentation associated with this amount owed which bears my signature. 

In the absence of such documentation, I request that this negative report be permanently removed from my XXXX report. 

I have attached documents to verify my identity
Consumer complaint received 2022-02-03
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. (GA)

I have about 16 inquiries thats fraudulent on my report and needs to be removed.Ive contacted the bureaus equifac and XXXX they are telling me to contact the lenders and I dont even know these lenders And also I have sent several dispute letter when it comes to the collection accounts thats on my report they all unauthorized as well and needs to be removed from my report
Consumer complaint received 2021-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (AL)

I have been sending dispute letters for the account and I have not had one response from this company. They were not able to provide any form of documentation to verify this specific account with me. Stating that the account is " verified '' is not even enough to prove such ownership If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this
Consumer complaint received 2020-02-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (NJ)

I was told by the dealership that the overage mileage would be waived if i leased a new car. Honda waive some of it but not all. I told that to Honda however they went ahead and charged off my account. So i went ahead and paid the balance. However the charge off is still on my credit account.there has to be some accountability of what dealerships will promise in order to get you into a new car and what the car company will keep to. I have heard the same horror stories from many friends and family. There has to be substance not just fluff