davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL (TN)

Since XXXX of XX/XX/2024, Synchrony bank has been giving me the runaround with giving me access to my account that I opened up with them on this date. This is the forth time trying to get online access. The first problem, the XXXX  time I tried to get into the the account, the number I gave them was not on their system, so I couldn't use the phone number. Second, when I gave them on a landline or VIOP line number they said their system don't work with my home phone. Thirdly when I get my cell phone out the shop they want to access or verify me as a client using my cell phone, to take a picture of myself plus scan ID card or driver 's license ( Note this is a process I have never done before ) it time out and the person hung up in my face. Every time I ask them to allow me to have on line access to my account they run me through a process I have never bought done before for it to time out and falsely state that they will send something through the mail. Now on today XXXX XX/XX/2024 they are sending me a letter like they ran my credit, a rejection letter, for a XXXX I open and I have money in after taking my money.
Consumer complaint received 2022-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

For the past year or longer I have repeatedly disputed two accounts with XXXX XXXX that are not mine. The credit reporting agency XXXX XXXX and XXXX would remove them and my score would begin to recover then it would appear again as a collection I would dispute and it would be removed. I now have been combating this account as Jefferson Capital Systems. The bureaus will no longer allow me to dispute the entries and I have repeatedly sent letters requesting debt validation and all I get are letters for payment plans. There are 2 accounts onXXXX for XXXX and one for $ XXXX. These are NOT MY accounts. Please help me remove these from my reports and stop them from placing them on my reports. They are trashing my credit score and fico scores and these aren't my accounts. I never signed for or authorized any account with XXXX XXXX.
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Credit Control (CA)

Continental Credit is reporting a medical collection from XX/XX/2008. There have been two concerning issues with Continental. First, Continental Credit did not validate this debt prior to reporting this on the credit report. We had insurance at the time and there was no bill that wasn't covered. Second, this is past the FCRA limitation of 7 years. This bill is from XX/XX/2008 if it is even valid. I have tried to deal with them but they refuse to respond to my requests. They just keep trying to collect this debt at all costs despite our objections. At this point it is past the statute of limitations, past FCRA limit on reporting, and violated the FDCPA by not validating the debt when requested, not respecting a disputed account etc etc. They state there is 62 months of payment history. Where do they get this kind of info?
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery calls and have called every day for yearrs. They call from multiple numbers in 30-40 minute increments throughout the day. They never leave a message. I have asked in writing  several years ago to provide me with a copy of the stated application to ascertain if the signature is authentic. Ive been the victim of identity theft and have found serious errors on my credit report, most notably a spouse ... I have never been married. 
Below is a snippet of numbers and call received in a 4 day period : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2024-05-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: World Acceptance Corporation (ID)

World Finance in XXXX Idaho is disclosing private information about my loan to the references I gave in my initial paperwork. Stating they are trying to collect a debt and what company they are with and all this information was left on a voicemail.
Consumer complaint received 2022-07-24
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. (MS)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX XXXX. Balance on XX/XX/2022 {$1100.00} 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 an account without my written authorization.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2020 - I contracted with XX/XX/XXXX for service and automatic monthly payments. 
XX/XX/2020 - No service, and XXXX wouldn't correct it. Auto pymts. stopped. 
XX/XX/XXXX stopped debiting my card, but suddenly charged {$420.00} in XXXX.
Consumer complaint received 2018-08-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Our authorization was faxed XX/XX/XXXX. 

On XX/XX/XXXX I spoke to a rep who said they had received our authorization and there was no foreclosure date scheduled. 

On XX/XX/XXXX we also faxed and emailed the Purchase Agreement, HUD, Buyers LLC Docs and Buyers Proof of Funds. 

XX/XX/XXXX we called in to make sure they received the offer documentation. We were told SLS will not review the file for a short sale since it was received less than 45 days before the auction date..Suddenly there is a foreclosure date of XX/XX/XXXX? AND they are refusing to work on the short sale? 


I want SLS to work on the short sale as there was no foreclosure date when the offer was submitted.
Consumer complaint received 2022-07-24
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. (MS)

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX XXXX. Balance on XX/XX/2022 {$1100.00} 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 an account without my written authorization.
Consumer complaint received 2018-08-07
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)

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Please update my phone number to my fraud alert : XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$3900.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My card was used fraudulently on XX/XX/XXXX by someone else without my permission I assumed it might have been a friend of mines daughter that did it because my purse was left in her vehicle while I was hospitalized i later confronted her and she denied it was her and said her car was burglarized and vandalized so she doesnt know who used my card either therefore i made a claim with Wells Fargo and disputed tge transactions I was put on the phone tgree days before XXXX with a guy I could barely understand what he was saying I had a horrible time hearing him I had to have him repeat himself multiple times throughout the call and I tried explaining this situation to him he canceled my card and refused to issue me a refund for the stolen unauthorized transactions that were used on my card he told me to take all the people I suspect to court to get my money back I currently have XXXX and I am XXXX this is insane i humane and horrific behavior towards myself I cant imagine what I am going to do Im stuck inside my home quarantine due to XXXX and can not use my debit card because my card was canceled and no refund will come or is going to happen, I need the money that was stolen from me returned to me ASAP I need an apology and better communication between the bank and myself here it is three days until XXXX I have XXXX  and can not leave my home yet I can not purchase anything online because my card was used fraudulent and canceled by the bank and they refuse to refund me the stolen money because they said I need to take the suspects to court well I do not know the person that stole my card and first assumed it might have been my best friends daughter but after I confronted her she denied this and stated her car was broken into so it was an unknown person I need my money back
Consumer complaint received 2019-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On my credit report shows a bunch of names for me. I was told by each credit check company all names would be removed except XXXX XXXX & XXXX XXXX XXXX. Any other names like XXXX or XXXX or last name being spelled wrong was suppose to come off my file. I'm hoping to get all this fixed up on credit file. Thank you.
Consumer complaint received 2023-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP (FL)

Dear Sir/Madam, I am writing this letter to dispute the recent decision made by Elan Financial Services to drop my credit limit from {$16000.00} to {$900.00}. I strongly believe this decision was unfair and unjust, and I am seeking your assistance in resolving this matter. They even blocked my online account access after reaching out to them. 

I started using the card recently and was surprised to find out that my credit limit had been reduced without any prior notice. I was never informed about any missed payment, nor did I receive any statement or phone call from Elan Financial Services regarding this matter. 

When I called to inquire about what had happened, I was informed that they had sent letters to me. However, I never received any of these letters, and as a result, I was unaware of any issue with my account. I was willing to make the payment in full to restore my credit limit, but I was informed that this was not possible, and I would have to request a credit limit increase. I totally didnt receive these statements or notices, so as a responsible Credit user I called to check on what was going on. 

I understand that Elan Financial Services has policies and procedures in place to manage delinquent accounts. However, I believe that the reduction in my credit limit was unjustified, given that I was not aware of any missed payment or overdue balance until I called in to find out where the statements were and the credit limit reduction. Additionally, there were several errors on their end, such as misspelling of my name on the online account, which further complicates this situation. 

I am requesting your assistance in resolving this matter, and I would like to request that Elan Financial Services restore my credit limit to its original amount of {$16000.00}. I believe this is a fair and just resolution. 

Thank you for your time and attention to this matter. Please let me know if there is any additional information required to resolve this dispute.
Consumer complaint received 2022-06-20
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. (TN)

To somebody who can help me. I am deeply upset about the enormous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you found out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thank you for your help [ with this matter. 

DATES DISPUTE LETTER SENT : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022
Consumer complaint received 2022-07-24
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

This company is attempting to collect a disputed debt that is presently being investigated by the XXXX Atty General and several other entities. This is related to a Navient XXXX loan, which I have also filed a complaint against with you, due to their repeated violations of the Fair Debt Collections practices Act ( by disregarding 2 cease and desist letters issue to them ). In addition to Navient continuing collection calls, they have turned this disputed account over to XXXX XXXX XXXX in an effort to collect and harass me about this disputed account. They called me repeatedly - 11 times on XX/XX/2022. This is clear violation of debt collection laws and needs to stop.
Consumer complaint received 2021-12-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio has avoided answering my questions in QWRs and DVLs. They state that their authority comes from XXXX XXXX  as XXXX. XXXXXXXX XXXX states they have no such authority and are nominal. .SPS refers back to reports and labels used by themselves, which is not an answer to my questions. They have yet to provide evidence of, ownership or authority over the alleged debt. 
I have never received a notice signed by an officer of XXXX XXXX stating that it is the XXXX that owns any obligation owed by me to the trust. Nor have i received a notice signed by an officer of XXXX XXXX  that states that SPS is appointed servicer of my account receivable, as owned by XXXX XXXX XXXX for the trust, there is no direct assertion that either SPS or XXXXXXXX XXXX is involved. 
They have also refused to directly address accounting defects, while at the same time attempting to coerce me to accept a trial modification with threats of legal proceedings.
Consumer complaint received 2018-04-26
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. (CA)

>>>>> Investigation Results <<<<< Credit Reporting agency failed and continues to fail in correcting my name on the report, our repeated complaints went unanswered. 

Several erroneous names that do not belong to me appears in the Personal Information secion still!!! 

I provided my Government Issued ID and my Social Security Number ( copies ) multiple times to prove my identity and requested that they remove ALL inaccurate and other names that I never had before. 

My Name is : XXXX XXXX XXXX I have NO other names, NO variations of spelling, NO other names before. 

Please correct and remove all other names from my report immediately.
Consumer complaint received 2022-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (SC)

My mtg loan was with BS Servicing ... they sold my account to SN servicing Corp ... .I owed about {$3000.00} to BS Servicing due to mild XXXX and illness. After SN servicing took over i paid on time AND with auto pay from my checking account. I asked them to put the arrears from BS servicing on the back of the loan because they said I owed THEM, the new company, the arrears now ... ... I informed them, XXXX XXXX, that I only bring in XXXX per month ... ..So I continued to auto pay and I always paid early ... .In XXXX I had illness and used some funds for meds and Dr.office visits cab fair ... .and I thought it might overdraft my account so I bought a money order and sent it instead ... .I also informed XXXX of this via voicemail and written mail enclosed with the money order. They went into my checking account anyway and took it out. I then asked him to apply the extra payment sent v ia money order to XXXX payment ... ... I was then called by XXXX and told he applied it to the arrears and I need to pay for XXXX with more fees attached, as I put a temp stop payment so I did not pay twice again ... .I am XXXX, have a XXXX XXXX and they are trying to take my home... Why are these companies allowed to use semantic, legally to steal homes and its all ALLOWED.
Consumer complaint received 2018-08-08
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. (NC)

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EQUIFAX has been reporting incorrect information on my credit report for XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EQUIFAX regarding the XXXX account, which was received by the EQUIFAX on XX/XX/2018. On XX/XX/2018, EQUIFAX responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EQUIFAX that any automated response or XXXX verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EQUIFAX has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

Chime sent me an email XX/XX/2023 advising they identified unusual activity relating to your account ( s ). A hold has been placed on your account ( s ) until we can verify this activity.

I sent them all information they requested, SSN, Proof of address, driving licence front and back.

I called to determine status and they advised send an email, I sent emails daily and when calling they advised I did not provide correct information to allow them to assist, send more emails.
Consumer complaint received 2021-06-08
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: The Outsource Group, Inc (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.