davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
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: SYNCHRONY FINANCIAL (NY)

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX  ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX  Creditor Name : SYNCB Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2018-04-02
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: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/2018 I am being hit with a hard inquiry from td bank/XXXX which I did not make. I never authorized any Inquiry or applied for any card. This is fraud.
Consumer complaint received 2023-01-27
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX  XXXX XXXX, 2022 {$130.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-03
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: TD BANK US HOLDING COMPANY (CA)

XXXX 's client XXXX XXXX is a victim of identity theft, her information was used without her consent to apply for a credit card with TD Bank/XXXX. While the application was declined the fraudulent related inquiry was left on her XXXX credit report XX/XX/XXXX. TD Bank/XXXX  did send a letter confirming the denial of the fraudulent application however the fraudulent inquiry remains on the credit report. A formal dispute of this information was mailed XX/XX/XXXX and received by TD Bank/XXXX however as of this date Nordstrom has failed to reply to and confirm the removal of the fraudulent related data which is a violation of the FCRA.
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (VA)

XX/XX/XXXX I XXXX chapter XXXX The Amount XXXX : Mortnges- 5 month Past due-total XXXX XXXX XXXX- Scam check XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX Home owner association.- penalty {$10.00} Everyday. XXXX I my I pay my mortgage to XXXX XXXX XXXX XXXX until XX/XX/XXXX I dont know that they sell my property to Fay Servicing and Fay Servicing they foreclosures XXXX. They said Im not pay them and they said my own to them XXXX I submit to my lowyer my recipes pay to XXXX XXXX and the monthly payment to trustee. I dont understand why they dont deducted si post to be In m done but still they gave me hardship. I dont understand why they did this and my deed and tittle my home they try to transfer to them I have all record they testing to compute me how to handle chapter XXXX   pls help me I have all record and check my phone to much my XXXXredit score very bad I dont know how marketing they now my information. XXXX until right now is to much stressing for me they stop my life for peaceful. 
XXXX my hard ship : I cut hrs to my work doctor order I have child XXXX - XXXX XXXX XXXX XXXX and XXXX XXXX XXXX My son who help me XXXX XXXX XXXX in XXXX he accidents costs XXXX -name XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX.I have parents and XXXX XXXX to support in my country. I am single mother. 
I field modification to XXXX XXXX and Fay Servicing since XXXX but never response and approve. They always say they are the owner of my home. I both this home since XXXX XX/XX/XXXX XXXX XXXX section XXXX   ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX as the same appears duly  dedicated platted And recorded in deed book XXXX at page XXXX among the land record of XXXX XXXX Virginia. I both this consideration grantee to me XXXX XXXX XXXX XXXX XXXX Virginia. The amount of XXXX. Then right now they said the owner they dont allow give me options for any assistance. I am the owner I have all documented and recipe. Pls Im very tried and very composing this problem. Pls I need really helps. 
Thank you so much Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Virginia XXXX
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (KY)

I had a chase credit card that was linked to a bank account that I no longer used. I made a purchase with the chase account and made payments in XXXX, XXXX and XXXX on the account. Each time I sent the payment, Chase sent an e-mail stating that my payments had posted. In XX/XX/XXXX I logged onto my account and to my surprise, it said that I was 30 days late and owed a whopping {$90.00}. I then realized that my current XXXX bank account was not linked to the Chase card, therefore the XXXX - XXXX payments were being returned due to insufficient funds in my old bank account. A month after the payment was made my credit score went up, so I thought that it was no big deal ( since I have never been late on a payment in my life ). Today, I received a credit report through XXXX that said my credit score dropped. Over the course of 6 weeks my score went from XXXX to XXXX. I was told it was due to the late {$90.00} payment. I called Chase to rectify the situation since I obviously tried to make the payments and they did not send me a message that indicated that my payments were being returned. The supervisor stated that since it had been 90 days since the payment was late, there was nothing they could do. I believe this is unfair since I had no idea that it was going to negatively effect my credit score.
Consumer complaint received 2020-08-31
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below XX/XX/2019 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I have been trying to get Equifax to unlock my credit for the last 3 and a half weeks when I realized it wouldnt unlock through their lock and alert app. I called them up and they told me it was a system wide issue and would be resolved within 24 hours. The next day I tried to unlock my credit and got a message error XXXX to call them. I was then told that they were going to manually unlock my credit report and it would be unlocked within 60 minutes. I have been calling them every day since. One person told me I needed to send in a copy of my license and social security card which I did 2 weeks ago and have a fax confirmation showing they received it. I have been calling them every day only to be hung up on and endlessly transferred wasting hours of my time. They keep telling me the escalated it to the proper department. Nobody at Equifax can tell me when my credit is going to be unlock. I need my report unlocked so my mortgage company can pull my credit and my loan can close. I was supposed to close last week. My rate lock expired and now I am paying XXXX higher because of this. I need my credit report unlocked immediately. I have verified everything and passed all of their identity verifications. Equifax has the worst customer service and could care less about helping me get the issue resolved. Please help!!!
Consumer complaint received 2021-02-22
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. (TX)

This started in XXXX of XXXX when I was hospitalized for 3 weeks due to XXXX. I had my wife contact XXXX XXXX and they promised to move my payment then turned around and reported it late. When I lost my job due to Covid they offered me a program that would save my cars so that I would not lose my vehicles and I accepted the program and they in return posted all the payments late while I was under a program that they offered. I wrote them several letters and disputed every late payment and they have refused to honor their program. I scheduled prepayments and they promised that the account would be secure and not reported late yet they reported each payment late. They have yet to respond to my request to remove them and it has grossly affected my credit and my ability to move and secure residence for my family. They can clearly see that I honored each payment and since returning to work in XXXX I have yet to miss a payment and I always pay more than the payment due. They even have a late pay that reported in XX/XX/XXXX and I have not missed 1 single payment since going back to work and both my accounts reflect current, up to date and timely payments. Please assist me in getting this matter resolved because all of my efforts has failed. 

XXXX XXXX Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Months to Dispute : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

i am attempting to link my pnc checking account to XXXX the online savings account and after going through the verification linking process by logging into my PNC account through the service Plaid, it says there are issues and to talk to your bank or file a complaint
Consumer complaint received 2017-08-04
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: Lendmark Financial Services (NC)

I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.
Consumer complaint received 2021-02-22
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)

The original creditor XXXX XXXX has account was found to be fraudulent and has been removed from XXXX so the debit collector that picked up that debit should be removed as well. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX
Consumer complaint received 2017-09-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bliksum, LLC (CA)

I received a text from my landlord on XXXX 2017 that a creditor named XXXX has contacted him stating that I owed money to them. Stating how long I have been apparently on default with them and also stated an amount due to them immediately and asked my landlord to contact me and have me call them immediately. 
I was appalled that they have contacted my landlord and informed them of a debt that I apparently owed. This is a violation of my privacy and the FDCPA act. How did they even know who my landlord was and how did they even get his number? This is very disturbing to me. 
This is not only an embarrassment to me, but a pure act of defamation of my name intentionally informing my landlord of debts that felt my landlord needed to be aware of about me. I demand this company to cease and desist all calls to ANYONE other than the person that owes the debt. I will be filing a personal lawsuit against this company and will be demanding that they prove this debt even belongs to me. They must prove it belongs to me by providing me a signature IN WRITING and i sure hope they are not reporting false information to any of the CB 's. Very livid.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I mailed an investigation request to XXXX, XXXX, and Trans Union. The bureaus are supposed to conduct an investigation and respond within 30 days. As of today, neither of the bureaus have responded, and more than 30 days have passed.
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

XX/XX/XXXX Resurgent Capital Services/ LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputing error [ XXXX ] on credit report To Whom It XXXX Concern, I am writing to request immediate deletion of the following information that appears on my XXXX XXXX XXXX and XXXX consumer report : Dispute 1 On XX/XX/XXXX, I responded to your representative XXXX email asking for validation of the debt specifically the original contract bearing my signature that would indicate that I owe Resurgent/LVNV Funding the debt. I also specified 30 days as a reasonable time for you to do so and requested that you cease all attempts to contact me and to delete all credit additions made to my credit reports. 

It has been more than 30 days, you have not responded with any information that indicates that the debt is valid and XXXX, XXXX and XXXX reports have not been updated with this deletion. 

Dispute 2 There are no active Licenses of any Collection Agencies in the State of Arkansas for Resurgent Capital Services or LVNV Funding. 

CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. 
Thank you for your assistance. 

Sincerely,
Consumer complaint received 2021-02-22
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. (MD)

I've been disputing these accounts for months, they do not belong to me and should not bereporting to any of these bureaus ( XXXX, equifax, or XXXX ). Month after month theyhave not removed these false names, accounts, and inquiries on my credit report.
Consumer complaint received 2020-05-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KY)

I was buying a XXXX supercharger from this guy on XXXX XXXX XXXX. I paid a total of XXXX  on zelle and XXXX on XXXX XXXX. I never received the supercharger and was blocked from contacting him. He never sent the item i purchased from him. A payment of XXXX on XXXX XXXX and XXXX on zelle was made to XXXX XXXX on XX/XX/XXXX. Then another payment of XXXX on XXXX XXXX was made to the same person as well as a payment of XXXX on zelle. I had no clue that zelle or XXXX XXXX doesnt have protection. And i can not get a hold of the seller because he has blocked me on everything. Please help me please
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am deeply concerned about this late payment that has appeared on my account, especially given my consistent history of paying on time. Its existence causes me great pain and I ask you to immediately correct this error by removing it from my account.
Consumer complaint received 2017-08-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC (SC)

North American Title Loan had a loan on a XXXX XXXX XXXX, North American Title Loan, and their contractor XXXX XXXX XXXX XXXX did repossession illegally a XXXX XXXX XXXX on XXXX XXXX, 2017 from my home. The vehicle repossessed was n't the vehicle that the loan was taken out on. In somehow realizing by XXXX XXXX XXXX XXXX that they repossessed the wrong vehicle, they unloaded the vehicle on the side of the road without notification. On XXXX XXXX, 2017 as found by XXXX County Sheriff Department, the vehicle was found, surveillance video from entrance and exit in plain view and clear picture captured the truck name, and drivers face of XXXX XXXX XXXX XXXX. On XXXX XXXX, 2017, a representative from XXXX XXXX XXXX XXXX showed back at my home, and requested information about the right vehicle, when advised of the occurrence on XXXX XXXX, 2017, the representative acknowledged that she had previously informed the driver at some point in the past, that the vehicle taken was n't the vehicle sought, she immediately advised her home office of the error and left my property immediately. On XXXX XXXX, 2017 in conversation with the Home office of North American Title Loan LLC, they of course denied any involvement, and denied their agent did the act, then stated that their agent returned the contract as unfounded on XXXX XXXX, 2017, until I advised that they further attempted collection, on XXXX XXXX, 2017. On XXXX XXXX, 2017 I had the vehicle evaluated by XXXX XXXX XXXX, in XXXX, SC at which the damages was assessed at {$13000.00}, torn transmission, bent right rim, and body damage repair.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Over the past year and a half I have been trying to correct an erroneous account on my credit report. The account XXXX XXXX is old dating last activity to XX/XX/2011.Every time I attempt to get these 3 bureaus to remove it because the amounts, the status 's and the dates of last activity are all inaccurate and unverified to me after 30 plus days after each of my disputes the deny me and ignore my pleas. Instead of properly and lawfully deleting this account they are constantly changing dates around, statue 's of the account and changing the personal statements noted to the account. I don't understand what sort of investigation they are doing, who and which company they are verifying information with but it is extremely frustrating and damaging to my credit. They are not updating me on the descriptions and procedures taken to verify that it is old. Please enforce the law and have XXXX, XXXX and Experian follow FCRA laws and guidelines so that I am no longer personally affected by misinformation or inaccuracies.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (DC)

I was scammed by a phone number pretending to be amazon on XX/XX/2021 and transferred money to them. I ordered books that I had not received and was calling to get a refund. They said they needed to do it through my checking because I used my girlfriends card and since her name was not on the order it had to be mine. They asked for the last 4 of the debit and said they didn't need the whole number but it did not work initially so I allowed them remote access to see what was going on in the amazon app. This person then transferred me to a manager in the " banking department '' who walked me through the scam. I realized something wasn't right because this person started asking about bitcoin and cryptocurrency to which I have no dealings. I let them know that I would be hanging up and calling my bank. This person called me back from a XXXX number to which I let them know that I would be going through my bank. I tried to call and stop the transaction while it was pending but I could not. The number that XXXX provided as amazons number is XXXX, they then transferred me to a manager in the banking department at XXXX and this person had me fraudulently enter a verification code/transfer a dummy amount of {$490.00} to " XXXX XXXX '' to make sure they matched the account that was on file with amazon. This was through XXXX and the number provided for the transfer was ( XXXX ) XXXX.