davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (NC)

On XXXX XXXX XXXX XXXX placed a inquiry on my credit report and I did not apply for credit from XXXX ever! 

On XXXX SYNCB/AMAZON XXXX  , placed a inquiry on my credit report and I did not apply for credit from SYNCB/AMAZON before . 

On XXXX XXXX XXXX placed a inquiry on my credit report and I did not apply for credit from XXXX XXXX before. 

On XXXX XXXX XXXX placed a inquiry on my credit report and I did not apply for credit from XXXX XXXX before.
Consumer complaint received 2022-10-06
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. (VA)

My name is XXXX 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.
Consumer complaint received 2022-10-06
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: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX submitting this CFPB complaint requesting the removal of the disputed account and information from my Credit File. It appears that my Credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any account which was found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the disputed accounts as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX 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 2019-07-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: CREDIT ACCEPTANCE CORPORATION (DC)

I have a loan with Credit Acceptance, XXXX, Michigan, where I didn't even realize that I had a past due amount of {$2700.00} on a {$26000.00} car loan where my car was repossessed last night, XX/XX/2019, without any notification of via mail, email nor phone call. I spoke with an agent within the last thirty days notifying them of a change of address and no mention of repossession was mentioned. My account  number is XXXX.
Consumer complaint received 2022-08-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (CA)

So far this company keeps changing dates every time I dispute with credit bureaus, last dispute was a week ago and they charged the date from XXXX of XXXX to XX/XX/XXXX of XXXX and previously they indicated I took the loan on XX/XX/XXXX and this time they took the date completely out, I called this company and explained that during that time it was stay at home order and i had XXXX as well on quarantine and lost my XXXX like majority of Americans, our XXXX  room was closed due to XXXX and i didn't get my XXXXt check till XXXX of XXXX a year later for all those months with XXXX check because it was tight up for identity verification with XXXX. I had the worst time of my life and state of California put freeze on rent and collection because we all were suffering at that time and it was time of survival not collection. I didn't even recieved a single mail from this agency and they went report to credit bureaus and don't want to negotiate, it's a shame, this company is XXXX XXXX located in XXXX, KS
Consumer complaint received 2023-07-27
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. (LA)

I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

XXXX XXXX is listed on my credit report as owing XXXX. I have XXXX XXXX XXXX and before that XXXX. This account does not belong to me. Also, this same collection was on my report several years ago and was removed. It has been reinserted under another collection company.
Consumer complaint received 2021-07-23
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 — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NY)

Comenity XXXX and XXXX have been disputed numerous times and they continue to remain on my credit report. I mailed XXXX  the Police report and called disputed numerous times and nothing has been done!
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I'm a victim of Identify theft someone has used me personal information to get a Phone from XXXX. I never had a Phone with XXXX during the time I was in XXXX. Experian and XXXX  is reporting a collection account for XXXX XXXX. 

Thank you
Consumer complaint received 2019-10-15
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. (CA)

I was looking at my credit report today XX/XX/19 and I saw that there are four inquiries that I never made. The inquiries are the following. XXXX XXXX XXXX XX/XX/19, XXXX XXXX XXXX XX/XX/19, XXXX XXXX XX/XX/19, XXXX XXXX  XX/XX/19. None of those inquiries are mine and I did not allow anyone to run my credit. I did not authorize those companies to run or access my credit nor do I have any written/verbal contract of any sort with any of those companies. I don't know who is responsible for this but I have already filed a police report in hopes of getting to the bottom of this and to clear these inquiries off of my credit.
Consumer complaint received 2018-05-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Creditors Bureau Associates (TX)

XXXX XXXX XXXX XXXX XXXX ( XXXX  ) has violated the Fair Credit Act by reporting an alleged debt to XXXX. I paid their client the agreed amount on the medical visit. Additionally I sent a request of debt validation to XXXX  and they failed to provide the especfic information requested. Please see attachments included in this complaint. XXXX  reporting practices are in violation of the Fair Credit Repoting Act and therefore they are liable now for reporting this alleged debt. 
Please be aware that at the present time I am on XXXX XXXX under USC Title 10.
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC (UT)

Our home insurance company raised our premium because they said we were underinsured. (The notice was lost because our mortgage had been sold 3 times in one year). However, we contacted XXXX XXXX  as soon as we received a cancellation notice from our insurance company that our policy was set to cancel for lack of payment to let them know they needed to pay the additional premium. (We called XXXX XXXX in XXXX to let them know the policy would be cancelling in XXXX)
There was a three way call between the insurance agent, XXXX XXXX, and my husband to get this issue resolved.

Everyone knew what was going on and my husband was assured the premium would be paid. Everyone had each other's direct contact number and said they would contact my husband if there were any problems.

It seems that XXXX XXXX did not pay the updated premium, nor did they reach out to the insurance agent or my husband.

Now, we have had a lapse in insurance coverage and lost our policy. We had to pay a penalty for the lapse, have increased insurance premiums on a new plan, and have to pay $XXXX for XXXX XXXX's forced hazard insurance also.
Consumer complaint received 2022-12-15
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: EQUIFAX, INC. (OH)

I submitted disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. My information was compromised by equifax breach in XXXX and XXXX breach in XXXXMy information has been handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 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 These collections have a big impact on my credit score and need removed.I request proof of debt.And request removal because all 3 credit agencies are not reporting same accounts time, accounts information, or acount debts Information reported must be accurate. 

XXXX Reported : XXXX XXXX, XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX Agency have take too long to conduct their investigation.
Consumer complaint received 2019-10-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

I have been disputing with a collection agency by the name of I C System. They have reported to all three credit bureaus stating that I owe them in the amount of {$1300.00}. I do not know this company and have absolutely no obligations to this company. The company has been contacted numerous times in writing and by telephone stating the account information is inaccurate. I have certified letters that were sent to the company dating XXXX 2019 and XXXX 2019. The company REMOVED the account from my XXXX XX/XX/2019 ; however, the company has placed the account back on my report XX/XX/XXXX. 2019. 

In my letters to the company, I requested validation, made pursuant from the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, to validate competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay I C System and they have not responded to any of my correspondence. 

Also, I had informed them that any negative marks found on my credit reports ( including XXXX, XXXX, and XXXX  ) from their company or any company that they represent, for a debt that I DON'T owe, is a violation of the FCRA & FDCPA ; therefore, if I C System can not validate the debt, they must request that all crediting reporting agencies delete the entry. 

Again, they have not sent any evidence nor have they responded to any of my letters.
Consumer complaint received 2019-10-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc. (NJ)

ON XX/XX/2019, I TOOK OUT A MONEYLION LOAN AND MY AGREEMENT WAS TO HAVE AUTOMATIC PAYMENT DRAFTS BIWEEKLY TO PAY OFF MY BALANCE. MONEY LION TOOK BIWEEKLY DRAFT FROM MY XXXX  XXXX ACCOUNT ENDING IN # XXXX UNTIL XX/XX/XXXX WHEN THEY STOPPED!!! I HAVE BEEN TRYING EVERYDAY TO CONTACT THEM TO RESOLVE THIS MATTER!! THEY HAVE SINCE REPORTED ME TO THE CREDIT REPORTING AGENCIES AS 30 DAY DELINQUENT WHICH IS FALSE!! 
MONEY LION HAS AN ALERT ON THE XXXX WEBSITE OF THIS ACTIVITY AND THEY ARE HARMING CONSUMER CREDIT WITH THIS LENDING PRACTICE. 
PLEASE HELP ME! THEY ARE RUINING MY CREDIT! 
I AM UNABLE TO CONTACT THEM TO RESOLVE THIS!!!!
Consumer complaint received 2021-06-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a call from Portfolio Recovery last fall - they are searching for someone who used to have my mobile number. I discussed that I am not that person, provided my name and information, and the calls stoped for about three weeks. Now they are calling again from numerous numbers 8-9 times daily, including unlisted No Caller ID numbers. 

They will not stop the calls and continue harassment. The company needs fined and the incessant harassment stopped.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

Upon opening a statement from XXXX. XXXX via Comenity Bank, the first I have ever received, I saw 13 charges between XX/XX/XXXX-XX/XX/19 totaling  XXXX. I did not make these charges. I was not aware that I had a XXXX. XXXX credit card. I do not know what the account number is. 

I called the Comenity Bank using the phone number on the bill twice. I hung up after being put on hold for an hour the first time, a half hour the second. This is a very sorry state of affairs. I was able to report the fraud the 3rd time I called. 

I will be reporting this fraud to the XXXX XXXX XXXX Police as well as sending a letter to Comenity Bank identifying the charges, all made through XXXX, as fraudulent.
Consumer complaint received 2019-10-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (TX)

XXXX XXXX XXXX XXXX, TX GM Financial XXXX, TX XX/XX/19 Car Inquiry with XXXX XXXX XX/XX/19 Loan Sent back XX/XX/19 Loan Declined XX/XX/19 Dealership wants me to sign new paperwork XX/XX/19 Told Dealership They can take car back XXXX Told Dealership I dont wont to proceed, offered different monthly payments & to pickup vehicle XX/XX/19 Contacted via text by Dealership & that they wanted to Pickup truck ; Told Dealership I was out the country would return truck upon arrival. 

XX/XX/19 Hard Inquiry On Credit via GMF XX/XX/19 Contacted GMF about a unauthorized inquiry XX/XX/19 Vehicle Returned To Dealership & Contacted GMF to Not Proceed with Funding. 

XX/XX/19 Receive notification Inquiry on credit of a New Auto Loan funded w/o my Authorization.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I would like to unfreeze my credit report with Experian, which they say on their site can be done instantly online, or much more slowly via mail. I can't seem to get it to work after multiple tries trying to " crack '' their form to make sure they verify I am who I am claiming to be. I understand thorough privacy and security measures, but this is clearly prohibitive. Then, when I'm told to call their number XXXX and walk through a lot more of the same information giving, I'm simply told that I need to mail all this information in. They want duplicates of my full name, mailing addresses for the past 2 years, proof of current residence, proof of identify ( e.g. driver 's license ), AND social security card sent to XXXX XXXX XXXX, XXXX, TX XXXX. 

I don't know if the problem lies with information linked to the original freeze stays constant. So if one 's address changes by the next time an unfreeze request comes, it's ambiguous to know how to proceed. The most troubling of all of this is that for the life of me, I can not find a way to contact a human being about this problem. The above number is only automated for all options.
Consumer complaint received 2020-12-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (AL)

Region 's Bank and XXXX XXXX allowed someone named XXXX XXXX to receive a wire transfer of {$770.00} from my checking account. Region 's insists this amount was authorized by me. I disputed the transfer, and my dispute was denied. I filed a police report with XXXX XXXX, FL Police Department ( XXXX ) and a claim with XXXX XXXX XXXX case # XXXX ), I appealed the transfer with Region 's, and the appeal was denied. I checked with XXXX and found someone had added a phone number to my account that could receive text messages from my phone. That telephone number is XXXX. My account is FDIC insured against fraud. The withdrawal and approval of the money was fraud, and I want Region 's to refund my money in full.
Consumer complaint received 2019-10-15
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. (FL)

XXXX XXXX XXXX report late payments in XX/XX/2018. When I reached out to XXXX XXXX   they advised that they never report any negative information and to dispute with credit bureaus. I did that also and was told it was removed. I recently applied for a refinance with XXXX and they are telling me XXXX XXXX report late payments on my credit which XXXX XXXX  denied they did when I asked about it in XX/XX/2018. I am attaching emails from XXXX XXXX where they are stating they did not report a late payment and the texts from XXXX saying they did report and i can not refinance now due to this error
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: NAVY FEDERAL CREDIT UNION (MS)

On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the XXXXredit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity. I've had accounts with Navy Federal Credit Union for approximately 4 years. All activity throughout this period has been consistent and fully within the terms and conditions they provided me when I opened the accounts.

Shortly after this, the credit union closed my credit card and refused to pay rewards I had earned on the account in accordance with their terms and conditions. The credit card agreement stated I would receive 2 % cash back for all purchases I made with the card. At the time the credit union decided to stop complying with their credit card contract with me, my account contained XXXX points, worth {$44.00} if redeemed for cash as described in the credit card terms and conditions. 

Had I known the credit union would violate their own contract by refusing to pay rewards I had earned, I would have used another bank 's credit card. Since the credit I would like to point out again, the credit union never provided me a reason for closing the account.
Consumer complaint received 2019-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KY)

I was being scammed very badly, and was tricked into withdrawing {$16000.00} in cash, completely emptying my checkings. After first transferring all of my savings into checkings. Chase violated their own rules and regulations in allowing me to withdraw this money, no questions asked.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX report late payments in XX/XX/2018. When I reached out to XXXX XXXX they advised that they never report any negative information and to dispute with credit bureaus. I did that also and was told it was removed. I recently applied for a refinance with XXXX and they are telling me XXXX XXXX report late payments on my credit which XXXX XXXX denied they did when I asked about it in XX/XX/2018. I am attaching emails from XXXX XXXX where they are stating they did not report a late payment and the texts from XXXX saying they did report and i can not refinance now due to this error
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (MS)

On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the credit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity.

I paid a {$49.00} annual fee for the card. Since the credit union closed the card, I am unable to use it, therefore they should return the fee I paid for the card.