davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-18
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: SYNCHRONY FINANCIAL (NY)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft SYNCB/XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft DPT ED/XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DPT EDXXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-05
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. (NJ)

I am so sorry to bug the CFPB, I have tried to resolve this over the last month and a half. Experian will not update my personal info which is two extra incorrect names and an erroneous unauthorized soft inquiry. 
Maybe the CFPB is able to help. 
Thanks
Consumer complaint received 2017-12-12
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (IN)

Company : Credence Resource Management This company contacts me from various numbers and blocks their identify when they call. I have noticed they use a pattern when they call me so I 've been able to add them to a block list, but they are relentless. 

I have spoke to the company and they were going to set me up on a deferment due to loss of job ; however, they never completed this process and now will not provide me with that ability. 

They call me from the following numbers and never identify themselves or leave messages ; XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX ( Asked rep to send me copy of debt ), XXXX XXXX ( Same Rep called back just to bother me because I hung up on them for not identifying themselves to me. They stated they will put me in the system to get more phone calls since I 'm not wanting to pay my debt in a timely way. ), XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX, XXXX XXXX ( Spoke with their Rep and told them about loss of job and they stated they would make notes and set me up on a deferment, but they never did ), XX/XX/XXXX - XXXX XXXX
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

I had an appraisal completed on my residential home for a refinance XX/XX/2022. I decided once I received the appraisal that my financial goals would be better met with a different type of loan through a different lender. The new lender was okay with using the appraisal since it had been by a certified appraiser on their appraisal company 's list. The new lender asked me to obtain a transfer letter from Pennymac. I called Pennymac and was told that the appraisal could not be transferred because it was for a conventional loan. I was told that if it would have been for a VA or FHA loan, then it could be transferred. I e-mailed the loan officer the next day to ask if I could see PennyMac 's formal policy as it related to XXXX XXXX guidelines as to why it could not be transferred. I had researched XXXX XXXX guidelines which say appraisals can be transferred if lender it is being transferred to conforms to Appraisr Independence Rules. I have never had a response to the e-mail. I now have to pay full price for a completely new appraisal which is financially hard for me and will also now have to wait weeks to get a new one done which will also cause more hardship for me. 

Pennymac is my current lender, where I have an interest rate of 2.5 % on my first mortgage. I believe they were not happy I did not complete the refinance into a higher interest rate of 4.25 % and this may be why they would not transfer the appraisal. Without being able to see the policy, I have no way of knowing whether what I was told is true or if Pennymac just didn't want to give me the transfer because I didn't follow through with the loan.
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

During the month of XX/XX/XXXX, I noticed that I was charged a late fee although I am making my monthly payments. I had to fight hard to get Synchrony Bank to remove a late fee of {$27.00}. I have continued making my payments, and today XX/XX/XXXX, I noticed that they have charged me late fees of {$37.00} on XX/XX/XXXX, and {$37.00} on XX/XX/XXXX, although I have been making my payments on time. My payment amount is {$35.00} per month, which is the payment agreed upon. I have tried to reason with these people but they do n't want to remove any late fees ; they just want to bleed the customer dry.
Consumer complaint received 2020-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (CA)

I have been a with DISCOVER FINANCIAL SERVICES customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account on date XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payments from my credit reports per XXXX, XXXX and XXXXXXXX. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2022-01-08
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. (AL)

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint.I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 

I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you have no permission purpose without my consent pursuant to 15 USC 1681.
Consumer complaint received 2023-03-26
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: EQUIFAX, INC. (OH)

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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 2020-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2020-10-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (FL)

Under new rules for reporting medical collections. Any amount under XXXX dollars should be removed from my credit reports. I called Experian and they verified they understood the new rules. I have a medical collection on my report that is under XXXX dollars and I disputed it with them. The results came back as updated while the item remained on my credit report. Since the government 's new rules have taken effect as of 2023 this item should rightfully be removed from my credit report.
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (IN)

EASTERN ACCOUNT SYSTEM, INC. has collected a debt from in the amount XXXX. I have paid this debt to them and have requested that they update my credit report showing that the debt has been paid. I have filed 3 disputes to get this corrected on my credit report and EAS keeps verifying that the debt is still owed to the credit burrows.
Consumer complaint received 2020-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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: Experian Information Solutions Inc. (MI)

XXXX XXXX is listed twice. Same account different dates, past due etc. Ive tried MULTIPLE times with Experian. They wont even allow me to submit the dispute.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had made a few purchases at XXXX with my 5th/3rd debit card that showed cancelled but the transaction was still pending. 

They assured me that the money would go back on my card once the transaction was no longer pending. But the money is still not returned to my account. 

I filed a claim to get my money back but they say it may take 100 days! 

Claim # XXXX
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Hello, On XX/XX/XXXX my Debit Card information was stolen. In less than 2 hours a team of thieves used my bank card to steal over {$5400.00} from my account with over 90 online transactions. I called and canceled my card immediately and then reported the claim. I spent 1.5 hours on the phone with the claims department going thru each item and saying whether or not it was fraudulent. She said that it was clearly fraud as a transaction was made almost every single minute ( an impossible feat for just one person ). I did not receive any notification from BOA that these charges were happening. I only knew something was wrong when I received a text message with a code that was requested for the card. I called immediately following to tell them I never requested this code. 

After 7+ days of waiting they told me that part of the charges had been refunded and the new claim was for {$1600.00} and also they were denying that remaining portion of the claim. I am incredulous. They said the reason they denied the claim was that when they normally see that level of activity they usually " drain the bank account '' and that some of the merchants they shopped at ( i.e XXXX or XXXX ) have been used before in my account and therefore must be valid. These are common companies where everyone shops! This money may not seem like a lot but I am a single mother and this is my mortgage payment. 

I've been a dedicated BOA customer for 15 years and have never filed a claim before. Now when I need them the most they are trying to XXXX XXXX  over. I called immediately when I saw the charges, not several days later which could indicate buyers remorse. Some of the charges were international and deliveries to parts of the country where I don't live! It is very clearly fraud and for them to deny my claim is sickening. 

I have re-opened the claim and escalated the review but am very concerned at this point since I can not " prove '' that I didn't make these charges other then what I have previously stated. 

Please help.
Consumer complaint received 2017-09-19
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. (MI)

Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6XXXX XXXX XXXX.
7XXXX  8XXXX XXXX XXXX XXXX 9XXXX XXXX  10.XXXX XXXX 11.XXXX XXXX 12XXXX 13.XXXX XXXX 14XXXX 15.XXXX XXXX
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is regarding XXXX XXXX XXXX XXXX account ending in XXXX. 

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. Neither XXXX, XXXX, Transunion, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Consumer complaint received 2020-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (NC)

In XXXX, I got a VA secured mortgage with BB & T in XXXX, NC. They told me that I qualified for a free XXXX XXXX XXXX account because I had a mortgage with them. In XX/XX/XXXX, BB & T started charging me {$30.00} " maintenance fee '' and a {$5.00} " return statement '' fee. I never got the statement but they a {$5.00} return statement fee. I was never informed of these fees or of the change in XX/XX/XXXX. These fees total {$1400.00}. I requested from BB & T for a refund of {$1400.00} but only got an offer for {$75.00}.