davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX XXXX. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NJ)

Interest free promotion ended earlier than I was told. I am current on my payments, however I requested from the store the terms of conditions for which this account was opened. I am now responsible for {$4000.00} in interest. If this is indeed the case, I would like to have the terms and conditions that I signed. The store and the financing company have not been able to provide, after numerous requests.
Consumer complaint received 2019-01-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Ad Astra Recovery Services Inc (TX)

I took out a loan for {$210.00}. Shortly after that, I had someone break into my car and steal my identity. The robbers broke into checking account and filed taxes in my name. This caused me to go delinquent with XXXX. After I was able to fix the damage that the robbers did I tried to pay my balance that I owed XXXX XXXX. They told me that I would have to pay them XXXX. I explained my situation but they refused to work with me. I think that it is unfair and predatory that they will not allow me to pay the balance that I owe them. In addition that is harming my credit. Please help me!!
Consumer complaint received 2019-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IN)

Multiple loans with Navient reported as delinquent when paperwork was filed explaining job loss. Loans should have been in forbearance during XX/XX/2018 through XX/XX/2018 as I had submitted paperwork to Navient explaining I was receiving unemployment and could not afford to pay my loans during this time.
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (CO)

I was interested in buying some furniture from XXXX XXXX XXXX   and thought it would be a good idea to get their credit card so I could get reward points for my purchase. Since my 3 credit reports are frozen I was able to determine that Synchrony Bank ( the issuer of the XXXX XXXX XXXX  card ) used XXXX XXXX  so I unfroze that agency on Friday, XX/XX/2018and applied for the XXXX XXXX XXXX  Card on Saturday, XX/XX/XXXX via their online application process.

On Thursday, XX/XX/XXXX I received the following letter via e-mail from XXXX XXXX  : XXXX XXXX has received your request for credit for a credit program with XXXX XXXX XXXX / XXXX.

Unfortunately, we are unable to approve your request at this time.

Our decision was based in part on a credit scoring system that was used to evaluate your application. The most significant reason ( s ) where you did not score well are listed below : Distance between prior residences is too long Too few retail accounts Lack of recently established credit accounts Limited history of consumer at this address Some information used to make this decision was obtained from the consumer reporting agency ( agencies ) listed below. This consumer reporting agency ( agencies ) did not make this credit decision and is unable to provide you with the specific reason ( s ) for our action. If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information. If more than one agency is disclosed the reason ( s ) shown are based on the report provided by the first listed agency.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX On Friday,XX/XX/2018 I was able to speak with a gentleman from XXXX XXXX who informed me that he could not comment I why I was declined and that I would have to speak with someone from XXXX XXXX in order to find out why.

On this same day I was able to speak with 3 people from Synchrony who told me they could not tell me why I was declined and that I would have to talk to XXXX XXXX  in order to find out why.

Of course, I now concluded that I would not get a satisfactory answer and felt I had no recourse other than to file this complaint.

A little about me : I have lived at my current address for almost 4.5 years after living at my previous address ( 60 miles away ) for almost 25 years. I regularly use 2 credit cards issued by Citibank and pay them off every month. I have a mortgage that is about 10 % of the current FMV of my house. My FICO score is XXXX  at the present time.

I have no idea why I was turned down for this credit card, but I can assure you that by any rational method of determining credit worthiness I am a good credit risk. There are many complaints like mine revolving around XXXX XXXX and I can not help but think there is something very unsettling about their actions in the credit reporting system!
Consumer complaint received 2019-07-14
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 (FL)

It started Wed, XX/XX/2019 when I had my XXXX card pay my Capital One card a XXXX at no interest for one year. It turned out I gave XXXX the wrong card number and called back within 5 minutes and asked to send the money to the right card they said no problem and it would take about 2 weeks for them to receive the money. Needless to say they sent XXXX to each capital one card. I called Capital One and explained what happen and how should I handle the XXXX dollar credit on my second Capital One card? They said it would not be a problem and they can credit back to me where would I like them to send it? I told them to credit back to the Bank account I have on file that I make my payments from. They said that would be no problem and I did not think anything of it, I have an Auto Loan with over XXXX with them and over XXXX in Credit with Capital One. That was over 2 month and 20 hours on the phone with capital one at least 3 time a week. Long story short they removed the XXXX credit off my card but I never received the money back? They had me 3 way my bank and XXXX card several times looking for the money. Both my Bank and XXXX card told Capital One they never received the XXXX about 20 hours on the phone now total with Capital One trying to get my XXXX. Last week the last person I spoke to said he would put in a request and gave me a case number that documented all this and to have my money refunded again. Told me to wait 2 weeks and they would contact me, never heard any back from them so I called back in to see where my money is. They looked up the case number and told me the same thing all over again and that it is too bad they sent the money to my bank or card their not sure and that my Bank or other Card is lying to me and they have my money too bad!!!! They are not refunding it again and they do not have to prove they sent it?
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I sent out multiple of disputes several times, explaining to the credit reporting agencies that they are violating FCRA laws and not doing their job with my disputes. 

Please have them remove this negative accounts immediately, ACCORDING TO FCRA everything has to 100 accurate on my credit report. 

15 USC 1681 section 604 : consumer agencies can not furnish any account without my written instructions ( wet signature. )
Consumer complaint received 2019-07-14
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. (NV)

XXXX, XXXX, Equifax want supporting documents to show this account on my credit file is fraud. XXXX XXXX XXXX. This is not a duplicate this complaint shows supporting documents of my income and also shows what the dealership falsified, my monthly income as XXXX and I only receive XXXX a month ssi.
Consumer complaint received 2019-01-05
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo mortgage acct no. XXXX open on XX/XX/XXXX home sold XX/XX/XXXX shows late payments on XX/XX/XXXX ( 6 months after close of sale ) I called Wells Fargo they just gave me run around with no resolution
Consumer complaint received 2019-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-06-26
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. (MD)

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. 

The letters are stated with items and issues. 

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 2019-07-14
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. (NY)

There is a paid child support with {$0.00} Balance account XXXX XXXX XXXX XXXX XXXX, showing on my credit report from XXXX. I don't have any children born in XXXX and I never paid any child support. My oldest child was born in XXXX. This is an error and must be removed from my credit report immediately. 

I have filed a complaint with the FTC and XXXX. This item must be removed immediately. It has caused problems in my personal life and also with my employer. I will file a suit in small claims court if this is not removed immediately.
Consumer complaint received 2019-07-14
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. (NY)

There is a paid child support with {$0.00} Balance account NYS Department of Social Services,  showing on my credit report from XXXX. I don't have any children born in XXXX and I never paid any child support. My oldest child was born in XXXX. This is an error and must be removed from my credit report immediately. 

I have filed a complaint with the FTC and NYSDSS. This item must be removed immediately. It has caused problems in my personal life and also with my employer. I will file a suit in small claims court if this is not removed immediately.
Consumer complaint received 2019-07-14
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. (FL)

I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

XXXX XXXX XXXX XXXX - XXXX - {$29000.00}
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have ordered a credit report while purchasing a new car. 
My credit report shows that I have unpaid medical debt in collection in amount of {$170.00}. 
I never have received any bill for {$170.00} recently from anyone for my medical services and never received any letter from any collection agency that I owe anything to anyone. The credit report does not show who has submitted the debt for the collection, neither the name of the collection agency. How can I obtain such information?

How to remove the incorrect data from my credit report?

Regards, XXXX XXXX
Consumer complaint received 2022-08-28
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: Santander Consumer USA Holdings Inc. (TX)

This complaint is regarding XXXX 's inability to effectively dispute a item on my credit report that is being reported by Santander Consumer USA XXXX. 

Santander Consumer USA sold my debt to XXXX XXXX XXXX XXXX XXXX, who agreed to remove the item from my credit report after I paid 50 % of the debt. I paid 50 % of the debt in XXXX automated installments but Santander did not removed the item off of my credit. Instead, they updated my account to {$0.00} owed and partially paid off, which was updated by XXXX twice within the last 7 days. 

This seems like double jeopardy. Santander sold the debt to XXXX XXXX but is still actively holding the credit item on my account. XXXX XXXX agreed to remove the item of I partially paid, and I did. Now, I feel like I was either manipulate by this company, which seems very unethical, or Santander is being allowed to sell the debt but refuse to comply with the agreement. I will attached a copy of the agreement and a screen shot of the {$0.00} balance reflected on my credit report. 

In this case, who is the legal owner now? Santander or XXXX XXXX. Santander must comply with the terms that were made after they sold the debt.
Consumer complaint received 2019-07-15
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: Experian Information Solutions Inc. (MO)

I need these accounts investigated due to my identity/ wallet being stolen months and years ago. The aftermath of this has destroyed my creditability with the credit reporting agencies. Now I'm requesting physical documentation to support the credit reporting agencies decisions in reporting these unauthorized and unknown accounts to me. In accordance to the FCRA laws I'm asking that these accounts be blocked. 

1 ) XXXX XXXX XXXX {$2.00} XXXX 2 ) XXXX XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX
Consumer complaint received 2019-09-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (MN)

I took a car loan from Gm Financial to finance XXXX XXXX XXXX. The monthly payment for the car note is {$430.00}. Everything was going well until I sustained injury from my work on XX/XX/XXXX. 

I notified GM Financial that I am not going to be able to pay the car note as usual due to my injury. As a result of this injury, I experienced a financial hardship. On some occasion, I opted out to pay interest only on the car loan. 

In XXXX XXXX, one of the car payment was returned by my bank. When I asked the bank why my check was dishonored, the bank explained what had happened, but, instructed me to resubmit another check in the same amount. That payment cleared the bank on XX/XX/XXXX. 

Subsequently, on XX/XX/XXXX, at around XXXX a.m.- XXXX a.m XXXX the car disappeared from my driveway. Early in the morning at around XXXX a.m, I called GM Financial to report of the missing car. The Customer Service Representative - named : XXXX ( XXXX ) informed that they are the one who repossessed the car because of non payment. XXXX told that in order to get the car back, I must pay XXXX, XXXX and XXXX XXXX, which is = {$1300.00}. As a result, on XXXX XXXX, I decided to pay all the money owed through XX/XX/XXXX = {$1700.00} including the XXXX XXXX transfer fees. 

On XX/XX/XXXX, I called GM Financial and spoke with XXXX XXXX XXXX XXXX, and pleaded with her to release my car. She said, that was not possible unless I pay a repossession fees of {$590.00}. In addition to that, she also demanded {$250.00} fees because the car is at the auction lot. 

All these happened amid harassing telephone calls and verbal insult on me. My response to XXXX was that she need to reconsider my financial situation and release the car to me so that I can have a means to go to work. She was adamant, and told me that they car is already on auction.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Credit Bureaus have errors on my credit file as address phone numbers phone numbers and incorrect amounts owed on credit cards. 

Contacted the bureau to mail me a copy but seems the run around getting a full credit report.
Consumer complaint received 2019-07-15
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. (MO)

I need these accounts investigated due to my identity/ wallet being stolen months and years ago. The aftermath of this has destroyed my creditability with the credit reporting agencies. Now I'm requesting physical documentation to support the credit reporting agencies decisions in reporting these unauthorized and unknown accounts to me. In accordance to the FCRA laws I'm asking that these accounts be blocked. 

1 ) XXXX XXXX XXXX {$2.00} XXXX 2 ) XXXX  XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXXl 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX 7 )  XXXX XXXX
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2019 I had filed two claims with Bank of America. The Claim numbers are XXXX and XXXX and were closed and resolved so they put the money that was stolen by fraud to my account. On XX/XX/2019 they withdrew without first letting me know XXXX, claiming that the amount was duplicated and left my account with a negative balance. This should have not happened because the claim was closed and everything was final. On XX/XX/2019, they took out another debit of XXXX for the same thing without letting me know and my account went into a negative balance and both amounts were from claim XXXX. If a claim was resolved and closed and the bank made the mistake it not fair and wrong for them to come and take money out from my checking account without first letting me know what's going on. That is why banks have insurance to cover fraud protection and like I stated earlier, the claim was close and resolved. It has been a stressful and hectic time for me because I have been a customer of the bank for 19 yrs. I called and they keep connecting you to people who don't know anything. On Friday, XX/XX/2019 I spoke to a supervisor named XXXX and he agreed that the bank was at fault because the claims were closed and resolved. I used the money to pay bills because they said it was closed. Now they come and withdraw when is this issue going to stop. I am scared and stressed and cant sleep because the total for the both withdrawals is XXXX. I am XXXX and don't have that kind of money to be getting back I am in debt with my son to have to deposit that money so my account wouldn't go into default. I really need help because I feel that the bank is trying to cover themselves for there own employees mistakes.
Consumer complaint received 2021-08-18
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. (CO)

Fraudulent accounts on my reports i have contacted the companies in this complaint and they all say to contact credit report companies and i have numerous times with no reply or results please investigate and remove this information 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX DBA XXXX REAL Account Number : XXXX Please remove this inaccurate information from my credit report.