davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (CO)

I opened a Discount Tire credit card in XX/XX/XXXX to purchase tires for my vehicle and to also add an additional account to my credit. I purchased the tires in XXXX of XXXX and didn't receive my first bill till XXXX of XXXX. Prior to receiving my first bill I did receive a phone call from Synchrony bank informing me that my payment was late. I found this was strange news to hear as I still didn't have a bill yet. Durning the call I tried to make a payment from my PAYPAL debit card which is my main banking platform but there system kept rejecting my payment so I told them that I would have to get a new account to pay with. About a week later I was able to make my first payment of {$100.00} towards my balance of {$1100.00} with the contracted terms of no interest, if paid in full, within 9 months. I received my bill for the next month and found discrepancies on it so I called Synchrony Bank to get some answers. The discrepancies that I found was that they did not apply my full {$100.00} payment to my account balance but instead took out a card security fee of {$20.00} which made my first payment short and late because the minimum payment wasn't made, they then also charged me a with an additional late fee of {$39.00}. I did not sign up for a card security program. They refused to remove the card security fee from my bill and send me an accurate bill per the terms of my initial purchase receipt with Discount Tire and I've tried to explain on multiple calls with different representives that I did not sign up for the card security. 
I have been trying to pay my balance of {$1000.00} over the phone with XXXX since XX/XX/XXXX, well before the 9 months of interest free as shown in my agreement. They refuse to accept my payment and continued to demand I owe them card security fees, interest, and late payment fees. After Speaking with a local debt consolidation company I sent them a personal check for the remanning balance of {$1000.00} via certified mail on XXXX and due to the COVID-19 Pandemic the certified item was delivered and available for pickup at there PO BOX on XXXX. My personal check was cashed on XXXX and my account was credited in the amount {$1000.00}, even thought my check was written for and presented to my bank in the amount of {$1000.00}. 
According to my original agreement this should satisfy my financial obligations on this account. There should no be any negative reporting to the credits bureaus in regards to this situation. 
I appreciate the CFPB and your help in this matter, since after having to file com [ plaints with various other credit bureaus, as well as attempting to resolve this issue with Synchrony bank directly, several times. I felt as if i had no other choice, so thank you for your time.
Consumer complaint received 2017-09-25
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. (SC)

I have a XXXX XXXX with a name that is similar to mines and XXXX XXXX XXXX that is XXXX number off from mines. After examining my credit report, our identity is being mixed. Her name address and social was popping up under my credit and her name was listed as an " XXXX. '' I 've called and written letters and the issue is still ongoing. Many of the hard inquiries on my credit does n't belong to me. Working in law enforcement requires my credit to be decent and this has tremendously lowered my scores. Not only that, it 's hard for me to do many things including my credit and I ca n't because of the mix up. Thanks for your time and concern. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-22
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. (VA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently noticed a number of accounts on my credit I do not recognize. I have been a victim of Identity Theft for years. I need these items removed and blocked from reporting again. They are a result of Fraud. 

The items are XXXX  XXXX from XX/XX/XXXX for {$610.00} XXXX XXXX XXXX from XX/XX/XXXX for {$590.00} XXXX XXXX XXXX from XX/XX/XXXX for {$330.00} XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX from XX/XX/XXXX for {$280.00} XXXX XXXX from XX/XX/XXXX for {$520.00} XXXX XXXX XXXX  XXXX XXXX from XX/XX/XXXX for {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX for {$1400.00} XXXX XXXX  is also reporting as XXXX XXXX XXXX for {$610.00} so it is reporting twice as both an alleged original creditor and a collection agency. They are double reporting and hurting my score even more so because neither are mine. They are fraud.
Consumer complaint received 2024-07-15
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: JPMORGAN CHASE & CO. (PA)

Someone has used my personal information to file for a credit card through Chase Bank. As the hard inquiry was being processed on my XXXX account, I received several alerts that someone was attempting to gain this access by using my information. I am seeking to have this hard inquiry removed. It is dated for XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (OH)

Shellpoint Mortgage Servicing reported my XX/XX/2020 payment as 60 days delinquent when the loan was in an approved Forbearance status. See uploaded document from Shellpoint that shows the loan was in Forbearance in XX/XX/2020 and therefore could not be delinquent in accordance with the CARES Act.
Consumer complaint received 2020-10-29
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 (IL)

In XX/XX/2020, I used Capital One Visa credit card to purchase plane tickets for travel to XXXX. The travel date was in XX/XX/XXXX. Some tickets were bought over the internet from XXXX XXXX XXXX ( {$2800.00}, XX/XX/2020 ) and some directly from the XXXX ( {$250.00}, XX/XX/XXXX ). Due to the Covid-19 restrictions on travel my flights were canceled by the airlines in XXXX and XXXX respectively. I contacted the airlines and asked for the refunds. Despite my repeated attempts the refunds were not issued in the timely fashion. On XX/XX/2020, I asked Capital One to reverse charges/chargebacks for said transactions with detailed information and explanation. On XX/XX/2020 I received a notice from the Capital One in which they stated - " Unfortunately, based on the information we have, we are unable to assist with your claim because : We can only request a credit from a merchant if we can document how the merchant violated an operating guideline. '' I know that the The domestic flights, as well as international ones departing or arriving the U.S., are covered by the rules of the Department of Transportation. As it says on the DOTs website - if your flight is canceled no matter the reason you are entitled to a full refund back to your original form of payment for the unused portion of your itinerary.
Consumer complaint received 2020-05-18
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: EQUIFAX, INC. (CA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$330.00}
Consumer complaint received 2015-08-04
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (FL)

I have a Citibank mastercard credit card, which I always pay on time since I got it 3 years ago. I have this card set up for a monthly automatic payment of the full amount, but in XX/XX/XXXX I decided to pay only the minimum amount and contacted them to change it. The person helped and made the changed by phone easily just for that specific month, leaving the auto payment still set up for the following months. The next month, I did exactly the same and called them again asking to set up a minimum payment for XX/XX/XXXX, but at this time the person did a mistake and did n't suspend the auto payment of the full amount. What happened its that the minimum payment was done ( as requested ) in the amount of {$11000.00}, but in the next 2 days Citibank debited the remaining balance of {$18000.00}. Since I didi n't have credit enough, the payment didint go through. I called Citibank and the person told me that she was going to solve it and have the FEE returned to the account in a few days. For my surprise, after 5 days, Citibank tried to have the remaining balance paid AGAIN ( without my authorization ) and when I called them AGAIN, the answer was totally different than the previous one : they told me that when it happens, the system tries to have the balance paid 4 consecutive times and there was nothing that could be done by the entity to avoid that. I spend more than 40 minutes with a supervisor on the phone and the summary of the conversation was that I did n't need to worry about that because as soon as the XXXX tentatives were finished, they would return the XXXX FEES ( {$34.00} each ) + send me a letter communicating that it was a mistake from Citibank and that my credit score would n't be affected. They also " offered '' me as a gift because of the inconvenience XXXX miles for my mileage account. After all these calls with them, nothing has been solved ( I did n't get the FEE returned, I did n't get the miles and I did n't get the letter that was promised ). A few days ago I got a letter from Citibank saying that I have an unpaid balance, so exactly the opposite that was discussed. I contacted my account manager called XXXX XXXX and asked for help, but she told me to solve the problem directly with the credit card team and call them again. i also send them a message using the online customer service last Sunday ( XX/XX/XXXX ) registering the complain and have n't get a response that they were supposed to do within 1 business day ( reference number is : XXXX ). So, I tried everything possible and all channels to get it solved. Now, I want to submit a formal claim against them. They are damaging my credit score and also this situation made one of the checks that I used to pay a person to be returned because of lack of funds, so I 'm not having only problems with them, but with other people as well. Their lack of care about their guests is incredible. The managers never answer emails because they do not want to commit to anything written.
Consumer complaint received 2023-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (AZ)

File # XXXX and XXXX balance {$37.00}, {$480.00} I reached to to Central Portfolio Control Inc via phone and email at XXXX XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX ( both via email and by phone ). 

On the phone I asked to speak to XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. This was the name listed on the letter which I recently recieved dated XX/XX/XXXX. However the person whom answered the phone refused to transfer the call and then proceeded to tell me that they did not have record of the information that I sent via email and CFPB which was my license, police and FTC report. Then he said that the client ( hospital ) denied my claim. Trying to understand how something was denied without all the facts and information, such as the current drivers license. 

The email that was sent to XXXX stated the following I am in receipt of your letter dated XX/XX/XXXX. File # XXXX and XXXX balance {$37.00}, {$480.00} The letter says if you believe that the amount set forth is not accurate, please send us documentation supporting your position but does not indicate where to send this information. 
License Copy Back.jpg License Copy.jpg I previously provided your agency with copies of the police report/FTC reporting XXXX and license via CFBP and email this email. But if not received, here is again. In addition, I will submit another complaint through the CFBP with this information. 

The documents you sent show a copy of my old drivers license ( taken when I was 16 ) which was lost and replaced in XXXX. The drivers license attached is the replacement which has a more current picture of me and what I would have looked like in XXXX. Attached you will find that license that replaced the lost license is dated XX/XX/XXXX, this date was before the service date of these charges. You should have all the information you need in order to submit a proper response to your client.
Consumer complaint received 2024-02-23
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. (NC)

Subject : Complaint Regarding TransUnions Failure to Validate Debt Dear Sir/Madam, I am writing to submit a formal complaint against TransUnion for their failure to adequately validate debts as required by the Fair Debt Collection Practices Act ( FDCPA ). This concern arises from their insufficient response to my validation requests for the following accounts : XXXX XXXX XXXX  Account Number XXXX, opened on XX/XX/XXXX, with an alleged debt of {$1300.00}. 
XXXX XXXX, Account Number XXXX, opened on XX/XX/XXXX, with an alleged debt of {$4100.00}. 
XXXX XXXX, Account Number XXXX, opened on XX/XX/XXXX, with an alleged debt of {$890.00}. 
On XX/XX/XXXX, I dispatched detailed letters to TransUnion demanding validation for these debts. I specifically requested essential documentation as defined under the FDCPA, including but not limited to complete payment history, proof of my identity, proof of debt ownership, evidence that the debt has not been written off as a tax liability, and proof of prior notification before reporting the debt to credit bureaus. 

Despite my clear and lawful request, TransUnion has not provided the requisite documentation to validate any of the listed debts. Their response, or lack thereof, fails to meet the legal standards for debt validation established by the FDCPA and referenced case law, such as XXXX XXXX XXXX, rendering their claims questionable and unjustly affecting my credit report and score. 

Enclosed are copies of my correspondence with TransUnion and any replies received, for your examination. 

I respectfully urge the CFPB to intervene and compel TransUnion to adhere to the FDCPA by providing the necessary debt validation. Should they be unable to substantiate these debts, I request that the entries be removed from my credit report. This action is crucial to safeguarding my rights under the FDCPA and ensuring my credit history is accurately and fairly reported. 

I appreciate your prompt attention to this matter and am keen to see this issue resolved efficiently. Thank you for your support and for upholding consumer rights.
Consumer complaint received 2020-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

XXXX Account # XXXX Dear Who ever this concerns, On XX/XX/XXXX I Disputed XXXX Account # XXXX through the CFPB portal case # XXXX, because I thought this account should report as an installment loan instead of a revolving account. I was incorrect and XXXX VERIFIED this account 100 % and mailed me the original contract that explains it would be an revolving credit card account. 
However, EQUIFAX decided to REMOVE this entire account from my credit report although XXXX has VERIFIED this account and without my request. No other credit bureau has done such a thing. 

I have reached out to Equifax multiple times and XXXX multiple times and the account is still not reporting to my Equifax file. I have paid this account and would appreciate if it could reflect my payment history greatly on my Equifax file. 

Equifax claims it's an issue with XXXX, XXXX claims it's an issue with Equifax. I AM FED UP WITH THE IGNORANCE! I DEMAND THIS TO BE FIX WITHIN THE NEXT 30 DAYS! I NO LONGER WANT TO BE THE MIDDLE MAN BETWEEN THIS ERROR, I DEMAND XXXX AND EQUIFAX CONTACT EACH OTHER DIRECTLY! 

XXXX RESPONSE : CFPB Case number # XXXX. 
Dear Mr. XXXX : We are in receipt of your correspondence to the Consumer Financial Protection Bureau regarding your XXXX XXXX XXXX account. Your correspondence expressed concern that you would like for your XXXX XXXX XXXX account to be reported as an installment loan rather than a revolving line of credit. Our records indicate that on XX/XX/XXXX you opened a XXXX XXXX XXXX   account to finance a purchase in the amount of {$2400.00} with XXXX XXXX XXXX. The XXXX XXXX XXXX account is a revolving line of credit that can be used to make additional purchases with XXXX and accordingly is reported as such with the credit bureaus. Please note that prior to accepting the offer of credit you were presented with the terms of the account, including the credit limit and the cardholder agreement, which discloses that this account is a revolving line of credit. Please note that you may pay more than your required minimum payment at any time to reduce the outstanding balance that is reported to the credit bureaus. We hope this explanation addresses your concerns. Thank you for being a valued XXXX XXXX XXXX customer. Sincerely, XXXX XXXX On behalf of XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX is the creditor of the XXXX XXXX XXXX  account.
Consumer complaint received 2020-05-18
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report
Consumer complaint received 2024-02-23
Product: Credit reporting 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 am writing to express my deep concern and dissatisfaction regarding the handling of fraudulent items on my account with Credit Bureaus. Despite reporting these unauthorized transactions promptly, I am dismayed by the prolonged delay in their removal, causing undue stress and inconvenience. 

I discovered fraudulent transactions on my account statement, which were not authorized by me. Immediately upon discovery, I notified your company 's customer service department and filed a report detailing these fraudulent activities. However, I am disappointed by the lack of urgency and efficiency in resolving this matter. 

As a loyal customer, I expect timely action to rectify such issues and protect my financial interests. The continued presence of these fraudulent items not only undermines my trust in your company but also poses a significant risk to my financial security. 

I urge you to prioritize the immediate removal of these fraudulent transactions from my account and take proactive measures to prevent similar occurrences in the future. Additionally, I request transparent communication throughout the resolution process to ensure clarity and accountability. 

Failure to address this matter promptly will compel me to explore alternative avenues to protect my rights as a consumer, including but not limited to seeking assistance from regulatory authorities and legal counsel. I am asking for your assisstance to remove these fraud items in my credit file : 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.
Consumer complaint received 2021-08-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am attaching a copy of my ID theft report for a Bank of America account being reported on my credit reports. Bank of America is ignoring the fact that I did not open this account and as stated in my ID theft report a past roommate/Co-habitant used my personal information to open this account. Please see the attached theft report. Furthermore, In accordance with FCRA 605B ( 15 USC 1681c-2 ) I hereby give you 4 days to block the information I am reporting as it pertains to fraud.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I have previously contacted the credit bureaus regarding these discrepancies and requested the immediate removal of the inaccurate items from my credit reports. However, despite my efforts and the clear inaccuracies in the reporting, the inaccurate information has not been updated or removed from my credit reports. 

I am concerned about the impact of these inaccuracies on my credit profile and request that the Consumer Finance Protection Bureau intervene to ensure that the credit bureaus take appropriate action to rectify the inaccuracies and update my credit reports accordingly. 

The discrepancies between the reports are as follows : XXXX  Last Activity Date : XXXX reports the last activity date as XX/XX/XXXX. 
Experian reports it as XX/XX/XXXX. 
XXXX reports it as XX/XX/XXXX. 
XXXX XXXX XXXX : XXXX and Experian report a past due amount of {$6900.00}. 
XXXX reports no past due amounts.