davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (OH)

I am being sued in XXXX XXXX Ohio XXXX XXXX for Case Number XXXX by Synchrony Bank. They have admitted I did not open this account and it is Fraud and they are still suing me and have sold my debt to others to collect on it and file lawsuits. XXXX has not removed this fraudulent case from my credit even though they know my identity was stolen because of their data breach. I want every collections and closed negative account removed as this is further proof even on their own admission that my identity was stolen and I am suffering because they screwed up. I demand you order them to remove all of these accounts I have listed in the past and compensate me for my time and trouble.
Consumer complaint received 2022-12-01
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. (TX)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : 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 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 2021-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Monterey Financial Services LLC (OH)

XXXX/Monterey financial misleads people into believing they are buying items at same as 0 % interest and locks you into a contract at 30 % interest for 12 months, not enough contractual information given at time of agreement
Consumer complaint received 2024-02-25
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (CO)

The equipment I purchased from XXXXXXXX XXXX XXXX was either installed incorrectly or faulty. It was going off every night. Nobody came to fix it, so I ended the service. The equipment was financed through Synchrony Bank 's credit card, Home Design. I already settled with XXXX, but they won't take the equipment back. They said they will not refund the money ; I have to work with Synchrony. Even the contractor who works with XXXX, XXXX XXXX, will not work with me. 
I have attempted to resolve this issue with Synchrony since XXXX, but they will not help refund the money. 

How can you help?
Consumer complaint received 2021-06-12
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. (DC)

I have submitted disputes to Equifax regarding information that should be excluded from the consumer report per the FCRA. Additionally, the violation ( s ) that was committed by Equifax. By not honoring my request as a consumer it is not only causing a lack of trust, also breaking the law, and causing defamation of character by continuing to have these erroneous items on the consumer report that Equifax has no consent to have in the first place. The violations that have been committed by Equifax are as follows. Equifax violated 15 USC 1681b ( a ) ( 2 ) when the consumer submitted written request to have listed information removed ( letter attached ). Equifax also violated 15 ISC 1681a ( 2 ) ( b ) as the listed items should be excluded from the consumer report.

I have attached my written instructions per the FCRA
Consumer complaint received 2021-12-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (TX)

On XXXX XXXX, 2021, XXXX XXXX XXXX of GM Financial received letter as evidenced by Certified Mail tracking # XXXX requesting to have the accountant prepare and file FEDERAL TAX FORM 1099 OID to cover the eligible issues and forensic accounting, corresponding to FinCEN Form 101, " Suspicious activity report '' for the alleged vehicle loan. As of today I still have not received any documents or direct mail response to my request. 

On XXXX XXXX, 2021, XXXX XXXX XXXX of GM Financial received letter as evidenced by Certified Mail tracking # XXXX informing the XXXX that the claim of {$23000.00} is DISPUTED since no response was received. 

XXXX XXXX XXXX of GM Financial was also informed that I'm more than willing to settle any financial obligation I might rightfully owe, as soon as I have received 5 specific pieces of documentary evidence to validate the alleged debt owed. ( Please see attachments ) As of today I still have not received any documents or direct mail response to my request. 

On XXXX XXXX, I received a letter dated XXXX 2021 from GM Financial Title Notice Of DEFAULT , RIGHT TO CURE, AND INTENT TO ACCELERATE, which I found to be very threatening, abusive, obscene and profane language and intimidating consequences to coerce payment of the alleged debt which has not been validated in accordance with FDCPA & FCRA. ( Please see attachments ) Such correspondence is direct violation to 15 USC 1692d ( 1 ), ( 2 ), and ( 4 ). Then there's also violations to 15 USC 1692e ( 2 ) ( A ), ( 4 ), ( 5 ), ( 6 ) ( A ) ( B ) and ( 11 ) for failing to disclose that the communication is from a debt collector. Each stated above violation carries a civil liability of {$1000.00}. 

As of today, XXXX XXXX XXXX of GM Financial has not provided me with any requested validated documentary evidence of proof of the alleged debt. Such action or lack thereof is a direct violation of 15 USC 1692g ( a ) ( 1-5 ) ( Please see attachments )
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i have disputed several times on the information of the bankruptcy appearing twice on my report when my wife and i only filed once XX/XX/XXXX ... my wife is now deceased as of XX/XX/XXXX.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (GA)

COMENITYBANKXXXX XXXX XXXX XXXX. XXXX, Ohio XXXX XX/XX/2022 To Whom It May Concern : While checking

my m ost recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company.

Inquiry
was made on XX/XX/2022 by COMENITYBANKXXXX. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social XXXX XXXX XXXX XXXX XXXX number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Consumer complaint received 2022-02-04
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. (CA)

Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ) On XX/XX/2022, I discovered BMW Financial Services on my credit report, Account # XXXX had been re-inserted into my credit file. 

You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.
Consumer complaint received 2019-10-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Pendrick Capital Partners Holding, LLC (TX)

Got a call on XX/XX/2019 @ XXXX and I could not understand the person 's accent. Then another person got on the line and kept calling me XXXX instead if my name. When I asked him to stop and call me by my name he became abusive on the phone. I told him if he did not stop I would hang up and he said so what hangups, so I did.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (DE)

my personal info was used to open credit card with Barclays bank, they changed my address and no statement was coming to me. When I found out the problem I called and reported it to Barclays in XX/XX/XXXX, the charges on card was {$10000.00} then. They closed the card and issued credits. on XX/XX/XXXX they sent me a credit check for {$200.00}.

Now they are sending me a different credit card saying I owe {$31000.00}, I have called and sent them letters they do not reply nor call me back, and now they send a different card saying I now owe {$13000.00}, these cards are not mines and they still have it on my credit report with the fraudulent address.
Consumer complaint received 2022-10-07
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 Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-04-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (CA)

XX/XX/2019 called my office of employment 3 times stating it was an emergency and needed to speak with me XX/XX/2019 called my office of employment 3 times stating it was an emergency and trying to speak with me XX/XX/2019 called my office of employment twice stating it was an emergency and needed to speak with me
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

SYNCB XXXX XXXX XXXX XXXX XXXX Draper, UT XXXX United States XX/XX/2022 To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/2022 by SYNCB. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Consumer Financial Protection Bureau Regarding : Specialized Loan Servicing : Wrongful Foreclosure XX/XX/XXXX I called Specialized Loan Servicing, now after referenced as SLS, to report a financial hardship and skyrocketing divorce cost. 
I asked what programs they had to help me in this time. NONE They gave me the number to H.U.D After several more request for help from SLS, such as Mortgage Relief, Loan Modification, forbearance, Request for Mortgage assistance, move one payment to the end of the loan and lastly COVID-19 assistance. Each and every time I got an answer of here is the number for H.U.D With no other option available I called that number and was put in touch with an office in XXXX, CA The H.U.D office had asked what steps I had taken, and I explained. They said to call them back and specifically say I needed a particular program due to the pandemic. DENIED Per H.U.D I requested a loan reinstatement quote, now two years later. 
This is what SLS sent : Per your request, the following amount is required to reinstate the above referenced loan : Payments Due Through XX/XX/XXXX {$12000.00} Late Charges : {$230.00} Fees : {$120.00} Property Inspections : {$120.00} Legal Fees : {$0.00} Negative Escrow Balance : {$0.00} Unpaid Escrow Shortage : {$0.00} Corporate Advances : {$1500.00} XXXX : {$0.00} Uncollected Interest : {$0.00} Suspense XXXX : ( XXXX ) Suspense 2 : {$0.00} TOTAL REINSTATEMENT : {$13000.00} SLS has now sold my home at auction on XX/XX/XXXX. 
I called SLS approximately 11 days prior to ask for an extension. I read that this is possible in the notice given to me by The Mortgage Law Firm. They said it was not up to them and to call the auction people. 
When I called them back I TOLD them it is your decision to grant or deny me this extension. After a few minutes of being on hold I was told no. 
Meanwhile I am trying to solidify my bailout loan. 
On XX/XX/XXXX I was approved for a conditional loan for {$210000.00} I called SLS again to request the auction be postponed while the details and funding were processed. SLS said NO. 

I am still living in my home. I have not received an eviction notice. 

I have made a claim to the surplus money from the auction mainly so no one else can. 
However, I do not intend to take the money as it will show acceptance of the sale. Of which I truly do not accept. 

That money belongs to the organization that bought my house in a wrongful foreclosure.
Consumer complaint received 2024-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (CO)

XXXX Superior Court tasked the Franchise Tax Board Court to collect on a {$390.00} speeding ticket for an individual driving a XXXX XXXX  in XXXX XXXX in XXXX. I lived in Virginia from XXXX to XXXX and never once was I in California during that time. The offenders name was XXXX XXXX. My name is XXXX XXXX XXXX Franchise Tax Board Court falsified documents and changed the last name to match XXXX XXXX These documents were submitted to Navy Federal Credit Union and they improperly garnished my wages.
Consumer complaint received 2018-08-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Senex Services Corp. (OH)

i contacted senex services about several medical bills that are on my credit report. i admitted that i owe the debt and i asked for copies of each account number because the credit report only displays partial account numbers. the woman on the phone refused and asked why i wanted the account numbers. i stated that i was interested in paying each account on a different date. she said i was not allowed to do that and then stated that she could offer me a settlement if i paid all at once. i said no. i told her that i will only pay one at a time and only if they remove each account from my credit report once paid. she said that it was up to management if they would do a pay to delete and i asked what that meant and she said it depends on what kind of mood her boss was in that day and i have to send a letter explaining to them why i didn't pay the debt in the first place. and she threatened to sue me if i didn't pay. this company won't send copies of my accounts and is abusive i want copies of each account and i promise of a pay to delete from this company medical bills should be able to be deleted my XXXX caused these bills in the first place how the debts originated is none of there business and why should i be subject to someone's mood to delete accounts from my report i think this agency is shady at best i contacted the original creditor and was told this company purchased these debts for pennies on the dollar and that is why they were so quick to offer a settlement. i will also be contacting my state 's a.g about this matter
Consumer complaint received 2016-12-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

Currently there are four separate entities claiming to have standing on my " Note '' or my Deed of Trust. They all want different sums and two have attempted to foreclose on me simultaneously AFTER a complete discharge of the Note in a Chapter XXXX BK which was discharged in XXXX of 2014. Two are reporting on my credit report, two are not. I have sent well over 20 letters to ALL these entities asking them to please provide proof of standing and to date, all they have ever sent me is a copy of my Note and Deed of Trust which I already have. They have cost me XXXX of dollars in litigation fee 's and still to date, no one has come forth with any proof of ownership, and even though ALL mortgage debt was discharged in the bankruptcy, Ocwen and XXXX are still reporting me as owing each of them differing amounts ( $ XXXX & $ XXXX ) while sending me demand letters for over $ XXXX ( Ocwen ) and $ XXXX by XXXX XXXX XXXX. I have sent multiple certified return receipt requests for proof and not a single one of them has complied. I want my NOTE returned as it was discharged and I want the clouded mess on my Deed of Trust cleaned up. And I want them to be overseen by as to their activities whereas I am concerned.
Consumer complaint received 2018-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

XXXX has been non-compliant with removing the unverified account XXXX/CARE CREDIT which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/CARE CREDIT 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 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I put {$5000.00} on a secure card with XXXX XXXX  to rebuild my credit. They know these cards are intended for that purpose. 

I pay off my card in full each month for 4 months. 

On the XXXX month, in XXXX 2021, I paid it off in full and they CLOSED the account. I called and asked them why and they said they did not recognize the bank account ( XXXX XXXX  ). I mailed them my statement and they re-opened my account after a week. 

I asked them to update to the credit reporting agencies that my account was OPEN and they refused-telling me I had to do it. 

I have send documentation to XXXX XXXX and Equifax XXXX and still the report shows my account as closed, lowering my credit score. 

Both XXXX and XXXX XXXX  are reporting false information and I want this rectified.
Consumer complaint received 2022-02-04
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. (AL)

This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from XXXX, Transunion, and XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have been opened and used by someone either using my name or the bureaus randomly applied this to my credit file. There have been so many inaccuracies going on its is hard to tell if this is all a scam or what. What I do know is that I have to give permission for them to provide, list or report anything on my credit report. If no said permission is given then each company including the bureaus are in violation of the law per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2021-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (RI)

I used a balance transfer check that that had a regular interest of 20.99 % for the amount of {$900.00} on XX/XX/2021. I made 3 payments to cover this {$900.00} payment a week later ; XX/XX/XXXX {$150.00}, XX/XX/XXXX {$560.00} and XX/XX/XXXX {$190.00}. Those payments were not applied towards this check ( {$900.00} ) that i had used. I did have about 3 other 0 % interest balance transfer offers, and it seems like they applied those ( 3 ) payments towards the 0 % balance instead of the one that was 20.99 %. I called them to get an explanation and told me the reason it wasn't applied was because i was not billed for the {$900.00}, therefore payments made were not applied towards this but to the other offers that had 0 %.