davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2019 a debt recovery company named XXXX XXXX XXXX XXXX whose mailing address is : XXXX XXXX XXXX XXXX Virginia, Phone Number XXXX reached out me at the address XXXX XXXX XXXX XXXX XXXXXXXX XXXX  PA XXXX regarding a debt that I owed from a Paypal Credit Card issues by Synchrony Bank . They called my cell phone number many times and when I finally spoke with them in XXXX, I shared with them that the address they had listed wan NOT and hod NOT been my residence and also I never authorized opening a Paypal Credit card due to my credit being bad and I was workin on repairing my credit.

Later that month, after many calls I requested a copy of the credit crd information and a listing of the charges. Paypal the Credit Card issues would not speak to me because I was not the Primary account holder but the Debt Collection Agency was able t send me the information of the charges and the total debt owed which is {$4600.00} After a few follow up conversations with the Credit issuer PayPal they stated that the name of the Primary Account Holder who at that time was an X-Partner who I never authorized to open an Credit Card Account in my name or any shared line of credit with her. 

This debt is currently listed a in Collection on my credit report lowering my credit rating. Also I no longer have any contact details of the Primary Account holder, who is the person who opened the account without my awareness or permission. 

I find it really appalling that a credit card company and credit issuers would allow any individual to open a credit card or line of credit using a persons names and only notify the person once the debt is in collections.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX  The Account With XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions
Consumer complaint received 2022-03-31
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. (FL)

XXXX XXXX XXXX XXXX, XXXX XXXX, Experian you 3 credit reporting agencies broke the law and continue to break the law!!! I have all my proof to prove you all XXXX of the violations!! I refuse to allow you to perform deceptive practices with me, its going to cost you millions of dollars with your behavior and deceptive business practices!!!! 
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX, XXXX XXXX, Experian PLEASE provide me with the proper documentation, that I, XXXX XXXX, signed with you to furnish my information in the first place? I DEMAND YOU TO DELETE EVERY NEGATIVE ACCOUNT/ITEM RIGHT NOW!!! I AM NOT PLAYING WITH YOU!!! You are violating my consumer rights and I never gave you permission to do so!!!! And prove me to me how you validated and verified the accounts??? I need full proof because I am tired of playing with yall and if I have to sue yall, I will do it, this is not a threat, this is your warning! Pursuant to Mont. Admin. R 17.8.1207 Certification of Truth, accuracy and completeness YOU ARE IN VIOLATION!!! I have all my proof to prove you deceptive business practices credit reporting agencies!!!!!! You dealing with the right consumer and I wont stop until you pay me for all the violations!!!! I have all facts!!! You deleted the negative accounts and then replaced them that is against the to report inaccurate information!!!!
Consumer complaint received 2022-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX, TRANSUNION LLC, XXXX you 3 credit reporting agencies broke the law and continue to break the law!!! I have all my proof to prove you all XXXX of the violations!! I refuse to allow you to perform deceptive practices with me, its going to cost you millions of dollars with your behavior and deceptive business practices!!!! 
Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX, TRANSUNION LLC, XXXX PLEASE provide me with the proper documentation, that I, XXXX XXXX, signed with you to furnish my information in the first place? I DEMAND YOU TO DELETE EVERY NEGATIVE ACCOUNT/ITEM RIGHT NOW!!! I AM NOT PLAYING WITH YOU!!! You are violating my consumer rights and I never gave you permission to do so!!!! And prove me to me how you validated and verified the accounts??? I need full proof because I am tired of playing with yall and if I have to sue yall, I will do it, this is not a threat, this is your warning! Pursuant to XXXX. XXXX. XXXX XXXX Certification of Truth, accuracy and completeness YOU ARE IN VIOLATION!!! I have all my proof to prove you deceptive business practices credit reporting agencies!!!!!! You dealing with the right consumer and I wont stop until you pay me for all the violations!!!! I have all facts!!! You deleted the negative accounts and then replaced them that is against the to report inaccurate information!!!!
Consumer complaint received 2018-03-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

I was in bankruptcy. It was discharged in XX/XX/XXXX. My student loan with Navient was listed under the discharged debts. I knew this was unusual, so when Navient sent me a letter I told them that it had been discharged. I offered to send them the paperwork, but they said they would research and get back to me. I got another letter some months later, called, got same response. This happened again, in XX/XX/XXXX, and the person on the phone said OK, he would note it and that it would be resolved.

I then went earlier this year to get pre-approval for a home loan and found out I was in default and on the XXXX  report, essentially preventing me from qualifying.

I immediately contacted the company, XXXX, and spoke with a person concerning. They asked for the actual court documents, which I sent to them. They had someone research the issue, even spoke to the attorney that handled the bankruptcy, and called me back. They explained my error in reading the discharge. I immediately worked out a repayment plan, but now I can not qualify for an FHA loan.

I feel that if Navient had taken the time to research the dispute, as XXXX  did, this issue could have been resolved in XX/XX/XXXX, and I would not be in the situation I am in now.

I am extremely irritated with Navient for its ' cavalier attitude about this loan issue. I know that I made a mistake in interpreting the discharge, but if Navient had made any effort at all this could have been dealt with in XX/XX/XXXXinstead of XX/XX/XXXX, and I would not be blocked out of the home loan process.
Consumer complaint received 2018-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I requested a credit line increase online, and never once did it say that they would be doing a soft inquiry on my credit report, yet alone a hard inquiry that would stay on my credit report for two years. I requested the increase on SundayXX/XX/XXXX through their website. I tried to call the company on Monday XX/XX/XXXX and they were very dismissive and just said that it was in the credit card disclosures that they would have a hard inquiry pulled, which I am only assuming is buried on their website somewhere, not on the actual page that you request the credit line increase on.

the company is as follows : XXXX XXXX, DE XXXX  ( XXXX ) XXXX I work for XXXX XXXX and it was very clear in our training on credit cards and loans that to adhere do the FCRA, that this needed to be information that was passed along to the customer : that there would be a hard inquiry on their credit report so that their credit information could be obtained to be reviewed. I never saw anything even suggesting that my credit report would be pulled, I thought I was just going to be approved for the credit line increase based on having a good history with the company.

It seems like they were hiding this information on their website and not making it very clear as to how the credit report would have a hard inquiry on it. I would like for the hard inquiry to be removed from my credit report as soon as possible
Consumer complaint received 2020-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (AZ)

I've had a credit card through Sam 's Club for almost 2 years. In that time, they caught fraudulent activity twice and I caught it once. I thought everything was fine until I tried to use my rewards points and was told I couldn't use them online I had to go in to the store. When I did I was told I had no rewards, so I showed a mailing I'd received that I had over {$100.00} in rewards and they informed me that their rewards system had been hacked so they put a hold on all rewards for a month. I am upset that it took 3 conversations with employees about using my rewards to find out I couldn't because the system was hacked, but I'm even more concerned about the fact that I had fraudulent activity at the same time. They are looking into the fraudulent charges and I didn't have to pay them, which is good.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 2018-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (NV)

I never received a letter stating I owed XXXX $ to XXXX XXXX. The total in collections is {$940.00}. I tried calling Harris & Harris and they state they mailed out the medical bills I never received.
Consumer complaint received 2018-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

I was told I would receive money from the government in the amount of XXXX and that all I needed to do is go buy a prepaid steam card call them back and give them the money to insistently fix my credit so that I my received this money. I have asked them repeatedly to QUITE CALLING MY NUMBER and they refuse to quite harassing my family and me. This company has contact me 3 ( THREE TIMES ) times todays and each time they have called I have asked them to NOT CONTACT MY NUMBER AGAIN but they ignore my request and call anyway for a number that one day says XXXX XXXX and another day it says Wireless Caller same people, who sound like they are from XXXX. The people speaking have a XXXX accent 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, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX EMAIL : XXXX XXXX Tue XX/XX/2018, XXXX XXXX  XXXX ; Join to Our Program XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( address ) XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX
Consumer complaint received 2018-03-19
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: CITIBANK, N.A. (AZ)

I have several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!
Consumer complaint received 2017-11-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

I received notification from a home lender that I have a collection account on my credit from California Business Bureau for {$590.00}. 
I called the California Business Bureau to learn what the account was for. I did not have knowledge of the account. 
They told me that it was a remaining balance from a XXXX at XXXX XXXX XXXX in 2014. They also stated that the balance had now gone from {$590.00} to {$750.00}. I called the same day the credit report was issued. 
California Business Bureau said that {$590.00} was the principal balance, and the additional charges was interest placed by California Business Bureau. 

I called XXXX XXXX XXXX to confirm that this was accurate. XXXX XXXX XXXX informed me that the principal balance was {$290.00}. The original balance was {$590.00}, however I paid {$310.00} on the day of XXXX. Leaving {$290.00} remaining. 

I then called my insurance to confirm that the patient responsibility being claimed by XXXX was correct. They said that the patient responsibility had been fulfilled and no other payment was due. 

I then called California Business Bureau again, and explained the descreency between my insuracne company, the hospital and them. 

They told me I was wrong, and to quote XXXX XXXX ( who I spoke to ) I was " full of XXXX. '' I suggested more than once that I would pay the true balance of {$290.00} declared by XXXX XXXX XXXX that was sent to California Business Bureau,  including their interest. They declined, and only would allow me to pay their stated about of {$750.00}. They continued to claim that I was lying. 

I offered XXXX to have a call with me and XXXX XXXX XXXX so we could collectively get to the bottom of the true balance owed. She declined.
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (NC)

Hello there are several unauthorized credit inquiries on my account that I have yet to have verified to be authorized by myself. Many of which are not attached to accounts. 

I am not sure if this was due to data merges as a result of the data breaches or something else. In applying for an auto loan, I only wanted one bank to be reached not several. Also with any bank 's the same applies. Everything else is there with no confirmation of it being mine which Is a problem for me. Please ask bureaus why they consistently seem to break the law when I have yet to see even a contract.

Per New Credit Act of 2020 section 401 derogatory items need to have agreements or contracts authorized by myself which none of these have. The bureaus refuse to comply with the law. 

Thank You
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc. (FL)

This will be the 4th complaint i want to CFPB to take action i have a police report as the past 3 reports i have submited i have a police report actually i have 3 of them Ideal collections wants a fraud affidavid form as the police stated this form does not exist they keep asking for my ID this means whoever used my identity in fraud did not have it or pic is not me, they state signature is mine i state it is not as someone as well in 2012 also files a false tax return in my name using this addy same place they say i owe the debit, this will be the final chance to delete this as they again are asking for things that do not exist there is no fraud affidaivd per the police and their report i have IRS notice of identy theft if they fail to delete this from my report i will take legal action as Ideal damaged my credit and yes this is extorition as once again police report attached if they feel this reort is fake please contact XXXX PD as i am a well know public figure and prove residance in same place past 19 years
Consumer complaint received 2018-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/2018 Credit Inquiry from XXXX XXXX XXXX I applied for credit and my credit report was locked and I was still charge an inquiry for a report they didn't receive. This incident also happen with other companies as well and now I have proof they never receive a report but claiming that they gave it to them.
Consumer complaint received 2019-03-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I sent my mortgage company, Wells Fargo, a letter on XX/XX/XXXX, requesting that they cancel my PMI. 

I received the first communication from Wells Fargo regarding my letter on XX/XX/XXXX. I received 5 letters from Wells Fargo with the options I had to cancel my PMI. 

Of the options that they provided, I chose to have a Broker 's Price Opinion ( BPO ). On XX/XX/XXXX, I sent the completed form and {$200.00} check required to schedule the BPO by Wells Fargo 's vendor, XXXX XXXX. 

The BPO was scheduled for XX/XX/XXXX by XXXX XXXX, a representative of XXXX XXXX. Mr. XXXX completed his evaluation as scheduled. During his inspection of our property, we let Mr. XXXX know that we had two independent appraisals of our property that had been completed within the last 6 months. Mr. XXXX requested that we send him one of the appraisals. He indicated that the company he works for ( XXXX XXXX ) would independently verify the report before it could be used as part of the BPO. I sent the report to Mr. XXXX on XX/XX/XXXX. He responded to my e-mail communication on XX/XX/XXXX at XXXX and said " Talked to XXXX XXXX, no problem using the appraisal report. '' We had not received any communication from Wells Fargo following the BPO. I contacted them on XX/XX/XXXX at XXXX. I spoke with XXXX in the Executive Office. He stated that a man named XXXX was assigned to our case and he was not available. He said that the notes indicate that the BPO was not acceptable and we needed to have another one completed. He said that the due date for the case was XX/XX/XXXX. He was going to e-mail XXXX and let him know that he needed to call me back by the end of the day. He gave me XXXX 's direct contact information. I had not hear from XXXX, so on XX/XX/XXXX at XXXX I left a voicemail for him. Still nothing from XXXX, so I left him another message on XX/XX/XXXX at XXXX. I also called back in an effort to get in touch with someone that could help me. I spoke with XXXX at XXXX on XX/XX/XXXX. XXXX said that she was going to send a message to XXXX and his supervisor. She further indicated that if I did not hear back from XXXX, or his supervisor, to call her back and she would help. I received a call from XXXX at XXXX on XX/XX/XXXX. I returned his call at XXXX on XX/XX/XXXX. He said that their vendor had not provided them information that they require, and therefore, we need a new XXXX. I let XXXX know that we were not doing another XXXX. I told him that it was clear that they were stalling. I asked for his supervisors information so that I could talk with someone that could help me. He insisted that everyone in his office would tell me the same thing, and that if I opted to get an attorney, that I would still be required to get a new XXXX. 

We have done everything that Wells Fargo asked us to, and did so in a timely manner in an effort to cancel our PMI. The law requires them to cancel PMI following our meeting the requirements, and we feel that they need to do that timely. Please help! 

XXXX & XXXX XXXX
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I own a XXXX XXXX  and I have a credit card with Bank of America. Merchants have credited my card on 2 separate times, XX/XX/2020 and XX/XX/2020. The credits are not posted to my statement or account online or on a mailed statement. 

I have contacted Bank of America credit card customer service twice in XXXX to inquire why the merchant refunds to my card are not showing up. The last time that I called was today XXXX. Both times I have been told by the bank customer service person that they see the merchant credits and they should be on my statements BUT they will not transfer to my statement for some unknown reason. The customer service rep could not tell me what my actual balance is nor could she point me to an accurate bank statement. On both occasions, the bank representative escalated to a supervisor who admitted this was a problem but there was nothing she could do about it except contact their Information Technology department and hope someone in IT could resolve it. There was no ETA given. The total amount of these charges is {$1100.00} but I have about another {$6000.00} coming from various merchants as I run a travel agency and these are credits for cancelled trips due to Coronavirus. The customer service agent, XXXX and her supervisor, XXXX, could not give me any advise except to hope that this can be fixed at some time in the future on the call today. Neither would give me someone else that I could contact to help get the situation resolved.