davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

My Venmo credit card was hacked into. Someone was able to change my address and request a new card. They then racked up 3 charges totaling {$12000.00}. As soon as I realized this I contacted the credit card company and went through the process of changing my address to the correct one. 5 days later the address was changed again to a completely different address. Synchrony bank has been unable to tell me how someone is able to change my address. Even after {$12000.00} was charged i do not understand how someone was easily able to change my address once more. Today I found out that a 2nd credit card the XXXX credit card XXXXhrough Synchrony bank was also affected. The address was also changed. I have spent days dealing with this and they can not explain how this is happening.
Consumer complaint received 2023-05-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC (TX)

Westlake Financial. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Application number : XXXX I did not submit a request for pre-qualification. Mistaken identity or fraud.
Consumer complaint received 2023-05-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gordon, Aylworth & Tami, P.C. (WA)

The amount is {$8000.00}. I sent this debt collector a letter certified letter, which he received and I am requested more information on this debt. The debt collector have not sent me any more information confirming that this debt belongs to me. I am axing for my signature on this debt and other information confirming that this is my debt, which he refused to send to me on this debt. He continue sending me a bill.. nothing just confirming that this is my debt. Hes trying to garnish my work. Check now. He have not given me any information. He serves the wrong person, a garnishment paper letter from the court. I never receive anything from this debt collector. They serve the wrong house I never lived at that address. and now he is garnishing my check.
Consumer complaint received 2021-06-11
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. (NC)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

To Whom It May Concern : I reviewed a copy of my credit report and found the following items to be an errors. Here as follows is the items in error : Collection Agency : Portfolio Recovery Associates ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) Original Creditor : XXXX XXXX Balance : {$560.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XX/XX/XXXX Collection Agency : Portfolio Recovery Associates ( XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) Original Creditor : XXXX XXXX Balance : {$660.00} Account Number : Reports shows no account number ( being that one was never established ) Open Date : Listed as XX/XX/XXXXXX/XX/XXXXBasis of Dispute E.g., I never had the accounts in reference with this creditor and I do not owe this debt. Invalid information listed on credit Reports -  original. I did not sign an agreement to pay for any services with XXXX XXXX nor did I sign an agreement with the collection agency -Portfolio Recovery Associates . I have received no mail regarding me to verify this false debt. This false claim of a debt owned was with another collection agency XXXX XXXX XXXX  and was removed for the same false accusations. 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 reinvestigation 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. Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2018-09-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (VA)

I sent the money to XXXX through bank to bank transaction with XXXX XXXX on XX/XX/XXXX. It informed me that it will take upto 5-7 days. I wrote my issue online to them where they replied saying they will have an answer within 24 hours but never contact me. I called the company after 7 days to address the problem that the receiver has still not received the fund transferred in their bank account. They just emailed me a form with the status that the money is transferred successfully! 
This is the slowest company I have ever used the service of ( even to respond to the issues ) I just demand my money back and will not use XXXX XXXX ever because they do not have a proper system of resolving their customers ' issues.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

My servicing company collects escrow funds to pay for my homeowner 's insurance. After failing to make the payment to my insurance company, despite collecting the funds and being named loss payee, I had to pay for my own insurance out of pocket despite the servicing company possessing the funds. After I paid, I sent evidence of my insurance multiple times. Despite sending the evidence and having several conversations, The servicer proceeded to force place insurance on my account unnecessarily and remove MY funds from my escrow account without my permission. This is theft and something they have no permission nor right to do. They have no basis for removing my funds from my account when I provided evidence of insurance multiple times. This company is inept and should not be servicing any loans whatsoever.
Consumer complaint received 2019-06-18
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSWORLD SYSTEMS INC (IN)

XXXX XXXX XXXX XXXX have filed a false judgement against myself and my property. The judgment was secured without me being able to represent myself in court. I was not notified or anything.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2018-12-28
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: STATE FARM BANK, FSB (NV)

XXXX  has been non-compliant with removing the unverified account STATE FARM BANK Date opened XX/XX/2016 which has been deleted by XXXX and XXXX   XXXX and XXXX have both completed their research and determined that STATE FARM BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I have submitted 2 previous complaints regarding the internal block XXXX has on my right to access my right to dispute and view my XXXX credit report on line. This matter has hindered my ability to also have an account timely monitored and disputed. My first complaint was filed on XX/XX/year> and the company replied. As of todays date, XXXX has not followed thru with any of the steps stated. See attached.
Consumer complaint received 2023-07-17
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-02
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. (NV)

Account number XXXX with XXXX XXXX XXXX XXXX is reporting as a charge-off on my consumer report. Per the 2021 IRS publication, any cancellation of debt over {$600.00} must be reported as gross income gained in the year that the event occurred. Income should not be reported on a consumer report. I have yet to be sent a 1099-C form for the cancellation of the debt. Delete this account from reports immediately as it is no longer considered debt, it is considered income.
Consumer complaint received 2023-11-05
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NC)

During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the XXXX and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the XXXX
Consumer complaint received 2019-06-18
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. (CO)

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX  CARD partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (CA)

someone who probably has my personal information applied to get credit cards causing some inquires on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This was XXXX I tried using my XXXX card and found out it was locked up so called bank of america XXXX and they just kept passing me from one person to the next and so I tried again today and now they phones anit working I find it stupid of them
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lending Club Corp (MA)

I sent them a letter to not call any phone numbers, home, work and cell. 
Now they are calling my employer and leaving detailed message about my debt. 
XXXX XXXX XXXX ext XXXX ... ... told them on the phone twice to stop calling me at work. Time to report them for harassing me at work when told not to.
Consumer complaint received 2019-06-18
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. (CA)

Transunion and XXXX are reporting several XXXX XXXX payments as being late when this is not correct because my payments come directly out of my paycheck every month. XXXX  is reporting it correct as never late paid on time. Why is this? This is the account that i'm requesting be updated. XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Dates reported late are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2024-02-12
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. (MO)

On ( XX/XX/2024 ), I sent an Identity theft letter to ( XXXX, and Experian ), and despite more than 30 days passing, I have not received a response nor has ( XXXX, and Experian ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( XXXX, and Experian ) have not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.
Consumer complaint received 2024-02-23
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation (OK)

It started XXXX XXXX, XXXX ; for 3 months I tried to make my payment, they just hung up on me. After that, they repossessed my vehicle. I contacted them and I was informed that I needed to pay XXXX to get it back. Which I did. I got my vehicle back. They will not talk to me and they repossessed my vehicle again XX/XX/XXXX. I called them again and I was told that since this is the second repo. They want the full amount of XXXX to get it back.
Consumer complaint received 2020-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I acquired a mortgage with XXXX XXXX XX/XX/XXXX. My first payment was due XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX acquired my loan and instructed me to make payments to XXXX XXXX beginning XX/XX/XXXX. My payment was made to XXXX XXXX on XX/XX/XXXX and processed by my financial institution on XX/XX/XXXX. 

In XX/XX/XXXX I applied for a refinance and was denied because XXXX XXXX placed derogatory credit information with Trans Union. My credit reflected late payments of 60+ days for erroneously reported missed payments for XX/XX/XXXX. In an attempt to rectify the information, since the payments were no longer due to XXXX XXXX during the time reported to TransUnion, I found that XXXX XXXX was no longer servicing mortgages and did not have contact information to dispute any information presented to the credit bureaus. The phone number listed on my credit report XXXX XXXX XXXX XXXX is no longer in service. My only resolve was to file a dispute with Transunion in XX/XX/XXXX. 

On XX/XX/XXXX Transunion returned the investigation results and verified the disputed information as accurate, denying my dispute. In addition, Transunion updated the information on my credit report, pertaining to XXXX XXXX account, to reflect a Pay Status as 'Account 60 Days Past Due Date ' for the payments due XX/XX/XXXX and XX/XX/XXXX. The additional details were not only inaccurate but severely damaging my credit score. 

Upon contacting Transunion 's disputes department by telephone on XX/XX/XXXX, I was informed that all information was verified by the creditor electronically and they could not make further changes. They instructed me to call the phone number on my credit report. This phone number to XXXX XXXX is not in service. 

XXXX XXXX 's erroneous reporting of my credit information has caused me to miss out on refinancing offers that would have benefited my family and I financially. Further damage was caused when XXXX XXXX increased the amount of months reported past due to Trans Union. My credit score has substantially dropped due to the additional false information. I am now below 700 and can not acquire mortgage products.
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Airtm Inc. (PA)

Today, on XX/XX/XXXX, I received a payment of {$35.00} to my AirTM digital wallet. This was flagged as suspicious activity, and my account has been frozen. They will not allow me to receive my money without a state issued ID, which I do not have and can not afford. When I reached out to AirTM for support, they continue to ask me for ID without recognition of my circumstances. It can not be legal for them to withhold my money for this reason.
Consumer complaint received 2019-06-18
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. (CO)

XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Vital Solutions, Inc. (MA)

I sent them a letter to not call any phone numbers, home, work and cell. 
Now they are calling my employer and leaving detailed message about my debt. 
XXXX XXXX XXXX ext XXXX ... ... told them on the phone twice to stop calling me at work. Time to report them for harassing me at work when told not to.