davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-13
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 (CA)

I originally found an account through Care Credit on my credit report in XX/XX/XXXX. The account had a XXXX balance and I contacted Care Credit right away and made a fraud claim with them over the phone. I never heard anything from them further regarding this account. 
In XX/XX/XXXX I received a Care Credit card in the mail and again contacted them. This time the account had a {$12000.00} balance owed. I again made a fraud claim with them advising them I never opened the account or charged {$12000.00} at a doctors office. The advised this was not the same account as the prior incident and they would investigate. Again I never heard any further from them. 
In XX/XX/XXXX I again receive a Care Credit card in the mail. I call them to see what is going on and they advised they had closed my prior investigation stating they confirmed my identity based on a fake identification shown by the " suspect '' and a " bio-metric '' video again provided by the suspect when she open the card. I was upset to say the least since I was never contacted to assist or provide any additional information. They advised I could mail or fax a copy of my driver license to them, which I did both. I also insisted on email or uploading that information and they said they do not accept documentation that way. 
On XX/XX/XXXX I again contact Care Credit to see what the status of the investigation is. They advised that the investigation was again closed as they were unable to confirm that a police report was taken, they never received my fax or mailed documents and they attempted to contact me and the phone rang busy. I have no idea how any of that could be true. I was again advised to fax or mail my documents. I insisted on an email or load and was again refused. I asked to make a complaint further up and was advised that this employee would make the complaint for me and that the calls are monitored for key words of dissatisfaction and generate their own claims. Refusing to allow me to talk to anyone else. 
With all that said I'm 3-4 months into an ongoing issue with this company who refuses to work with me or accept any of my documentation. 
**I have also been in contact with the doctors office where this charge originated and they advised that after I notified them they cancelled the scheduled procedure with the suspect thus there should have been no charge on my account. I again reached out to them in XX/XX/XXXX and they advised they would contact Care Credit and clear this charge.
Consumer complaint received 2019-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

hello to whom it my concern, in XX/XX/XXXX I viewed my transunion credit report only to find 13 inquiries that I have no knowledge of what so ever those inquiries are listed below : 1.XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX  Inquiry from XX/XX/XXXX 3.XXXX Inquiry from XX/XX/XXXX 4.XXXX XXXX Inquiry from XX/XX/XXXX 5.XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX Inquiry from XX/XX/XXXX 7.XXXX  Inquiry from XX/XX/XXXX 8.XXXX Inquiry from XX/XX/XXXX 9.XXXX XXXXnquiry from XX/XX/XXXX 10.Brclysbankde Inquiry from XX/XX/XXXX 11.XXXX Inquiry from XX/XX/XXXX 12.XXXX XXXX Inquiry from XX/XX/XXXX 13.XXXX XXXX Inquiry from XX/XX/XXXX on XX/XX/XXXX I contacted transunion by mail to ask them to remove those inquiries or to investigate or verify them they replied back with letter stating that I should contact the companies listed in the inquiries on XX/XX/XXXX I sent another letter requesting to remove those inquiries and still no response I spoke with transuion customer service on the phone several times and they refuse to remove them from my report. 
at this point I do not know what else to do in order for this company to remove these unauthorized inquiries
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MA)

1 ) Synchrony Bank charges customer {$100.00} in late fees and interest for a {$25.00} purchase made 4 months prior at Banana Republic. 

2 ) Customer promptly pays the total balance of {$130.00} on XX/XX/2019 upon receiving the first notification from Synchrony Bank in the mail. 

3 ) Synchrony Bank reports late payment hit to customer 's Credit Score on top charging customer in 1200 % on an annualized basis in fees.

4 ) During the 4 months, customer had not been receiving communication from Synchrony Bank about the {$25.00} balance.

5 ) Synchrony Bank made no attempt to call or mail the customer, only sending emails that were not reaching the customer.

6 ) The customer had always maintained a history of early payment since opening the Synchrony Bank account. 

6 ) Customer had over a 15 year history as a customer of Banana Republic without issue.
Consumer complaint received 2019-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I just checked my credit report for the first time in many years, because I knew I had some negatives that needed my attention, I have paid off a few already, but this one is still showing up on my report even though the balance is XXXX. I was lead to believe it would be removed from my report all together. 

The balance has always been XXXX, with no late payments according to the report.
Consumer complaint received 2019-09-13
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: Simon's Agency, Inc. (NY)

On XXXX I found an error on my credit report from Simons Agency in XXXX, New York. It was for {$150.00} and when I called they explained that they were a collection agency who was handling a balance due on an Ambulance ride for another member of the household. I was surprised to learn that the amount due was sent to the collection agency in my name, especially since I received no bills or notices ( or personal contact ) that the account was being turned over for collection. After speaking to Simons they told me the bill was generated from XXXX XXXX XXXX. I phoned XXXX XXXX and they confirmed that the service was not for me. They said that a second party handles all their billing and referred me to XXXX XXXX at XXXX. They also confirmed that the service and billing should not have been made in my name and it was an error. They couldn't explain why the bill was generated in my name and sent to collections in my name but said it was erroneous and shouldn't have happened. I asked how I would get this removed from my credit report and she said that they would take care of updating the credit report and it would probably take a week. I didn't know if this was true so I am submitting this complaint on my behalf to ensure that they do remove this mistaken reporting from my credit record. I was more than willing to cover the balance due and paid XXXX XXXX XXXX directly. Thank you for your assistance in clearing this erroneous report on my credit record. XXXX XXXX.
Consumer complaint received 2019-09-13
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: Resurgent Capital Services L.P. (NV)

On XX/XX/2019 a letter was sent to the original creditor XXXX XXXX XXXX, to validate the alleged debt they claim I owe them. The original creditor XXXX XXXX XXXX, sent a letter back to me, dated XX/XX/2019 stating that the ownership of this debt was transferred to LVNV FUNDING LLC. LVNV FUNDING LLC was also sent a validation letter on XX/XX/2019 since they are reporting the debt as well but they never responded to my request for validation. 

On XX/XX/2019, I sent another letter to XXXX XXXX XXXX, advising them that the letter they sent was NOT validation of debt, as I have requested, since they are the original creditor. One XX/XX/2019, XXXX  XXXX XXXX  responded, stating they " addressed the request in a previous communication '' and they were under NO further obligation to provide any additional information and WILL NOT address duplicate inquires in the future ''. The issue will this is that as a consumer, I have the right to ask for validation of the alleged debt that the ORIGINAL creditor is reporting to my credit report, to ensure that the debt is mine and / or reporting correctly etc. Im not understanding how XXXX XXXX XXXX  addressed my inquiry in a previous communication? 
What was stated is that they no longer have the debt, however as a financial institution those records should be readily available and to tell a consumer that they will NO linger respond to duplicate inquiries is ludicrous and asinine. 

XXXX XXXX XXXX, obviously CAN not provide the required verification of debt according to FDCP. 

Also, I received a letter from XXXX XXXX XXXX stating that they are the beneficiary of the debt now, however XXXX XXXX XXXX is stating that LVNV Funding owns the debt AND not to mention LVNV Funding LLC is reporting this erroneous information to my credit report but they don't even own this debt!
Consumer complaint received 2019-09-13
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. (CA)

I have over 20 fraudulent hard inquiries to my Transunion report. They have given me no path to removing, or disputing the disturbingly high number of fraudulent inquiries. I have made multiple contacts to the beaurau and they have given me no assistance. It was simple for me to fix with XXXX and XXXX, this is why I know something is wrong. I'm a fraud victim and now being further harmed by Transunion 's choice to not help. I believe that they are trying to force me into buying one of their products in order for me to remove the fraudulent inquiries. I feel they are trying to extort money from me, in this way to correct my report.
Consumer complaint received 2019-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (HI)

I have completed my XXXX. I am now the sole owner of the home. I have a new legal name. I mailed all requested name change documentation to PHH MORTGAGE SERVICES on XXXX XXXX, 2019. They confirmed receipt. I've written emails and called to no avail. They continually put me off and have not changed to my legal name. It is important to have my legal name on all documentation for my home. OCWEN changed their name but are still an establishment that refuse to follow the United States laws.
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

On XX/XX/2019, I received a credit card I applied for from HSBC Bank. I was approved for {$4000.00} on the card. 

On XX/XX/2019, I tried to use the card to pay for repairs to my car and it was declined. I called the 800 number on the back of my card and after a 45 minute wait on hold, I got a gentleman who said the bank put a hold on the card. When I asked why, he didn't know. I asked to speak to a supervisor and again I was put on hold for close to an hour. I finally got to speak to a supervisor who said the bank put a hold on the card because I didn't send them the information they needed. When I asked what info they needed, I was told they needed proof of address and an ID. Told them I never received any request for info from them. When I activated the card they said I was free to use it, only I couldn't. 

Told the supervisor when I got home I would fax the info to her, which I did, and she said she would call me the next day at XXXX : XXXX ( Thursday, XX/XX/2019. ) after she let the bank know I had sent what they requested. I never heard a word from her or the bank. 

After I sent a proof of address, I got to thinking that they had proof of my address, they sent the credit card to that address and I activated said credit card. I also sent them a copy of my drivers license which concerns me now. 

I called the 800 number on the back of the card on XX/XX/2019, when I was not called back and was again on hold for 30 minutes. The person who answered the phone knew nothing of what was going on, so I had to tell him the whole story again. He said give me the pin number which was sent with the card. I read the number to him off of the paper they sent me. He stated that number was incorrect. I told him the number was the one they sent me. He said he would then text me a code and I was to give it to him. I read the code that he texted and he said it was wrong. Said he would resend another code. I read that code to him and he said it was wrong and he could no longer help me and he hung up. 

I got on XXXX and looked up HSBC Bank and there were numerous complaints about them and a lot of people had gone through what I had. I am beginning to think this is some kind of a scam. 

I DO NOT WANT THE CARD. I would like it closed and my credit report to be expunged of their inquiry. I don't want anything from them on my credit report, I am praying that they do not use the copy of my drivers license for anything.
Consumer complaint received 2023-03-29
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. (PA)

XX/XX//2023 its been incorrectly reported that I owe a balance of {$67.00} to XXXX XXXX XXXX. I have never done buisness with XXXX XXXX XXXX. In the past nor in the present. I have no verbal or written agreements with XXXX XXXX XXXX whatsoever. Which has been stated to Transunion several times as this is an attempt to collect a fraudulent debt. No investigation has been conducted despite my request for valid verification by documents. This is a clear violation of my consumer rights under the FCRA 15 usc 1681. It has ruined my stellar credit caused me stress has me in a current state of XXXX.I would like this matter corrected immediately as it is damaging my life.
Consumer complaint received 2021-03-05
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. (NY)

My credit file for XXXX XXXX isn't reporting late payments correctly. the XXXX, XXXX, XXXX, XXXX, and XX/XX/2020 late payments were all due to the covid-19 pandemic.
Consumer complaint received 2019-09-13
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. (MN)

Please see attached letter from XXXX XXXX, dated XXXX. This item should have been removed from my Experian, XXXX XXXX and XXXX credit report. I/Experiian  contacted XXXX XXXX by phone questing why hasn't XXXX sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at XXXX and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


Thank you, XXXX
Consumer complaint received 2022-07-17
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MN)

Please see attached letter from Discover Bank, dated XXXX. This item should have been removed from my XXXX, XXXX XXXX and XXXX credit report. I/XXXX contacted Discover bank by phone questing why hasn't Discover sent over the correct information based on the issuance of 1099-C form. I have already paid via tax form 1099-c in 2017. The should balance should be at XXXX and removed from all 3 credit report companies. 
. 
I'm getting penalize twice. There has not been any updates sent to 3 reporting agency. the balance still there.. please update and remove based on 1099-c form. 


Thank you, XXXX
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (GA)

On XXXX XXXX, 2016 the short sale lender requested that we receive an offer in the amount of $ XXXX. I now have an offer in that amount and I submitted it over to the short sale lender on XXXX/XXXX/2016 and the short sale lender has come back and stated that they do not have enough time to review the short sale offer and they suggested that I just let the property foreclose. However, if they would postpone the foreclosure sale to review my offer, then I will not have to get foreclosed on in XXXX. At this time, I feel as if the short sale lender is being unreasonable and they are not giving me an opportunity to review any foreclosure alternatives. This is absolutely the worst lender I have ever experienced. I know that the government says that the lenders should provide foreclosure alternatives to homeowner. So, I am asking, no I am demanding that someone stand up for me and my right to need assistance.
Consumer complaint received 2022-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation (FL)

I was in forbearance for a while and during that time I signed up for the HAF program. Right before my last moth in forbearance I was given 3 options for the past due amount. The option I selected was the Partial claim to move the amount to the back of the loan ( At the time I didn't know it was a HUD program ). 

Almost a week later I find out I was approved for the HAF program and I quickly contacted my mortgage company SWBC about it. Since the beginning of the forbearance my calls get directed to the collections department and they aren't the most helpful crew. During that and ever call I made or they made to me this point was raised. At no time was I advised that this program would need the lumpsum payment made to HUD and not them. 

Towards the end of XXXX the XXXXAF program sent them a lumpsum and the first months payment. SWBC just sent both the payments back to the HAF program. They stated because of the partial claim I now show no payment due. I asked them why was it not to the loan? They had no answer for that.

I'm now having to go back and forth with 3 different companies ( SWBC, HUD and HAF ) and I feel like there's nothing happening to correct this. I'm now officially late on my mortgage they are going to put this on my credit and no hope in site.

My family and I need help and feel like this situation has just made it worse for us.
Consumer complaint received 2022-07-17
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-03-29
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.