davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (MO)

A few months ago XXXX XXXX contacted me via email to let me know they would no longer be servicing the XXXX XXXX credit card. They offered to transfer my account to Barclays and I said no. There was a question of why and I replied I would plan to use a different card if I ever wanted to make purchases at XXXX XXXX. On XX/XX/2022 I received a credit card from Barclays for my XXXX XXXX purchases. When I called the company to tell them I did not want the credit card and had not requested the card and they went against what I told XXXX. They said they had no record of the account. They said they could not help me until XX/XX/2022 as that was when the transfer would occur. I dont believe its my job to have to follow up on this when I specifically told them I didnt want the card in the first place.
Consumer complaint received 2020-12-15
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: CREDIT ACCEPTANCE CORPORATION (OH)

Hello : Credit acceptance keep putting this auto loan on my account. Someone stole my identity and created a fake id and went and bought a vehicle in my name. I have contacted them multiple times and they keep adding this account to my credit report. XXXX  is reporting this fake account on my report. I did not authorize this, I need them to remove it from my account and stop putting it back on there. It's illegal to add false information to credit reports. 


Someone must have created a fake id and posed as me and you all keep putting this account on my credit report. I was a victim of identity theft and this account is a fraudulent account and you all keep placing it on my report. 

I have ask you all to stop placing this account on my XXXX  report. You all are allowed not to lend me a auto loan but you all are violating my civil rights and I will be suing you all if you dont take this account off my XXXX  credit report. I dont ever want to do business if you all dont assist people with fraudulent information and keep insisting that this account is mine. I have never had an account with you all and its illegal to keep adding fake accounts to peoples credit reports. 

Please remove this account before I contact the law and sue you all. I already submitted a identity theft affidavit and you all still wont assist me in removing this fraudulent account or I will be filing a lawsuit against you all. 

Please remove this asap. 

XXXX XXXX
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-13
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. (MA)

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. I demand that the following inquiries be verified or removed immediately : 1.The following inquiry is not mine XXXX XXXX  Please remove it from my credit report. 
2.The following inquiry is not mine XXXX XXXX  Please remove it from my credit report. 
3.The following inquiry is not mine XXXX XXXX Please remove it from my credit report. 
4.The following inquiry is not mine XXXX  XXXX Please remove it from my credit report. 
5.The following inquiry is not mine XXXX Please remove it from my credit report. 
6.The following inquiry is not mine XXXX XXXX Please remove it from my credit report. 
7.The following inquiry is not mine XXXX XXXX Please remove it from my credit report. 
8.The following inquiry is not mine XXXX Please remove it from my credit report. 
9.The following inquiry is not mine XXXX  Please remove it from my credit report. 

( FCRA ), 15 U.S.C. 1681 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] 603 - 15 U.S.C.

1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Truth and Lending Act 15 USC 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

( m ) 603 - 15 U.S.C. 1681a ( 3 ) Restriction on sharing of medical information. * ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Consumer complaint received 2022-06-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/22 I received a text message from Huntington Bank stating that my account had been XXXX and included a link to " restore '' the account. 
The text came from XXXX The link is to : https : //huntington.comXXXX I do NOT have any accounts with this bank. 
I have not clicked on the link and will block the phone number the text came from.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. Upon reviewing my credit report, I have noticed several unauthorized inquiries that I believe to be fraudulent. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that these inquiries be removed from my credit report immediately. 

The unauthorized inquiries are as follows : XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX - Date of Inquiry : XX/XX/XXXXXXXX XXXX - Date of Inquiry : XX/XX/XXXX As per the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I do not recall authorizing any of these inquiries and suspect that they may be fraudulent. I am concerned that these inquiries have negatively impacted my credit score and ability to secure loans and other financial services. 

I kindly request that you investigate these inquiries and remove them from my credit report. According to the FCRA, you are required to conduct a reasonable investigation into any dispute and respond within 30 days of receipt of the dispute. I request that you provide me with written confirmation of the removal of these items from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-15
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. (OH)

Hello : Credit acceptance keep putting this auto loan on my account. Someone stole my identity and created a fake id and went and bought a vehicle in my name. I have contacted them multiple times and they keep adding this account to my credit report. XXXX is reporting this fake account on my report. I did not authorize this, I need them to remove it from my account and stop putting it back on there. It's illegal to add false information to credit reports. 


Someone must have created a fake id and posed as me and you all keep putting this account on my credit report. I was a victim of identity theft and this account is a fraudulent account and you all keep placing it on my report. 

I have ask you all to stop placing this account on my XXXX  report. You all are allowed not to lend me a auto loan but you all are violating my civil rights and I will be suing you all if you dont take this account off my XXXX  credit report. I dont ever want to do business if you all dont assist people with fraudulent information and keep insisting that this account is mine. I have never had an account with you all and its illegal to keep adding fake accounts to peoples credit reports. 

Please remove this account before I contact the law and sue you all. I already submitted a identity theft affidavit and you all still wont assist me in removing this fraudulent account or I will be filing a lawsuit against you all. 

Please remove this asap. 

XXXX XXXX
Consumer complaint received 2022-06-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (LA)

In 2019 I became delinquent on my mortgage payments, about 3-4 payments in default. My mortgage lender, Shellpoint Mortgage, offered me a loan modification that would take my delinquent payments that were due and add them to the rears. I was assigned a mortgage assistant name XXXX XXXX to assist me in getting the loan modification. My wife and I sent in the application and all the required info. We were preapproved and were waiting for final approval. XXXX XXXX indicated to us that everything would be okay and we would ne approved. One month later we were denied and Shellpoint immediately filed for foreclosure. We filed for XXXX  XXXX to avoid foreclosure. We began making monthly payments to the bankruptcy trustee an Shellpoint Mortgage again. I was later informed by Shellpoint that because I was in bankruptcy they were no longer trying to collect a debt via monthly payments. We discontinued making mortgage payments but continued making bankruptcy payments to the trustee. Months later my bankruptcy payments increased and the atty advised me to cancel and refill for XXXX  XXXX. Shellpoint then notified me and my atty  I was 17 payments behind and again filed for foreclosure. I refiled again for XXXX  XXXX to avoid foreclosure. My mortgage loan balance went from {$170000.00} to {$210000.00}. I applied again for loan modification as per by Atty  advice to lower my monthly bankruptcy trustee payments. Again I sent all required documents and application to Shellpoint Mortgage, months ago. Theyre intentionally not responding to my application and keep asking for information Ive already sent them. They weeks to respond and by that time everything I sent them needs updating. I tried finding another lender but Shellpoint is reporting to the credit bureaus that Im in foreclure. I need your help
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I can't access my Bank of America account online. I have called them several times and I was on the phone waiting for them for over XXXX and XXXX. Just for them to say they can't do anything. THey just said they would escalate the problem but would not give me any number or trouble ticket for this problem, nor give me a time line when it will be fixed. This is unexpectable customer service. I need access to my account records to do my taxes and they are unconcerned.
Consumer complaint received 2023-03-23
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. (GA)

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$390.00} XXXX XX/XX/XXXX
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  accounts with XXXX, and XXXX  has violated my rights. 

SE

C. 4021. CREDIT PROTECTION DURING COVID19. Section 623
( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current.
Consumer complaint received 2019-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (LA)

I have several accounts at Chase Bank. Chase has recently included Chase XXXX XXXX, as a Chase product. I contacted Chase to pay a vendor through Chase XXXX pay, Chase then deducted the amount from my Chase checking account, and made the payment. I quickly realized this was a fraudulent vendor, contacted Chase Bank to investigate, and refund my money. I was told, in bank double-speak, that Chase XXXX pay is considered a cash transaction, and therefore has zero protectins from Chase Bank. I quickly pointed out that I DID NOT withdraw cash and make a payment, I used Chase products and Chase Bank made the withdrawal and payment. I questioned how this payment is different from an online payment from my checking account, there were no answers. 
I feel deceived and victimized by the illusion that Chase Bank Product XXXX XXXX, " is not really a Chase product ''.

I chose Chase XXXX pay, under the deceptive assumption it was a protected transaction, especially since the entire transaction is done by Chase Bank. 
I have made several calls, emails and inquiries, without any reparation. This is a misleading representation by Chase Bank, and I am a victim.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$100000.00} ; XXXX XXXX* Balance : {$0.00}
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$100000.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-03-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CO)

XXXX XXXX will cal repeatedly ( 6-7 times in less than 2 hours ) in attempts to collect a {$50.00} payment that is less than 2 days late. On XX/XX/2019 they called me 6 times between XXXX and XXXX XXXX from various phone numbers.
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (CA)

Hi this is a transparency corroption issue with XXXX that has created multiople DBA 's and then transfers loans from one to the other and then closes that DBA all together. 
XXXX operates under : XXXX XXXX XXXX XXXX  - no longer exists - they sent notice on XX/XX/XXXX they are notifying us of transferring my loan and then on XX/XX/XXXX out of nowhere they claim they paid my taxes but never did, I searched on XXXX XXXX site, no such payments were ever paid. Dates are important here since they are transfering accounts notifying on XX/XX/2023 THEN they just take it upon themselfs to pay taxes ( by the way tax-bills are not due till XX/XX/2023 and no tax bill has been mailed. 

Now they have hold my payments in their possession and NOT applying to my loan and then threatening daily me of FORCLOSURE I made multiple phone appointment apparently with XXXX the supervisor last Friday at XXXX XXXX  she no showed and no called!!! I am so devastated by how reckless they are acting. 

Please I NEED HELP!! 


nt and not applying to my payments and then threatening me with foreclosure!!! 

Please contact me. Thank you in advance for your help in this matter.
Consumer complaint received 2022-02-19
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: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX, I received a notification from credit monitoring services stating that SYNCB/XXXX had done a hard credit check against my XXXX credit report. I had not requested any credit from Synchrony Bank or XXXX XXXX, so this clearly constituted fraudulent activity. 

On the morning of XX/XX/XXXX, I contacted Synchrony Bank by calling ( XXXX ) XXXX to report that I had not requested that any credit account be opened in my name. The customer agent told me that there was no record on file of any application for credit under my social security number. 

Also on the morning of XX/XX/XXXX, I contacted XXXX at ( XXXX ) XXXX to dispute the credit check and report fraudulent activity. The XXXX representative made a note on my file, but told me that Synchrony Bank would have to request that the credit checks be removed from my credit reports. 

On XX/XX/XXXX, I received a letter from Synchrony Bank saying that there was indeed an attempt to open a credit card in my name, but that the attempt was rejected due to an inability to verify my identity. This contradicts the information provided to me by the customer representative on XX/XX/XXXX. 

On XX/XX/XXXX, I sent a letter to Synchrony Bank ( see attachment ) requesting that the hard credit check be removed from my credit report. I have not heard any response. As of XX/XX/XXXX, the hard pull is still showing on my credit report, adversely affecting my score.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (IL)

Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I have made a research on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.