davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (CT)

Synergetic Communications claims I owe XXXX to XXXX XXXX, XXXX of this debit is a fraudulent charge from XXXX OF XXXX on XXXX XXXX, I disputed the charge several times, I was given a provisional credit while in dispute and later told the credit is permanent as case was closed by an investigator. XXXX XXXX later turned around and reversed the credit, took it back out of my account. As stated in claims filed, I have not done business with XXXX OF XXXX, do not own a XXXX. The only proof provided by XXXX XXXX is a forged credit card authorization form, the signature on form is not mine. There are also several overdraft fees stemming from credit reversal, each in the amount of XXXX each. About 100 % of this debt, XXXX, is questionable due to fraud and overdraft fees stemming from it. Please advise Synergetic Communications I refuse to pay this debt and complaints were filed with XXXX XXXX about this matter, still unresolved.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OR)

I am trying to unfreeze my credit so my bank can see my credit report to process a loan. I am unable to do this. At one point, Experian said I did not have a freeze on my credit. After reporting this to my bank, they were unable to access my credit report. I have been unable to carry out the instrucions Experian gave me in a letter verifying that I had placed a credit freeze.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # # XXXX XXXX XXXX XXXX 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 602A. 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.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Experian continues to verify an account that is reporting inaccurately by using public records data. Ive pointed out to Experian several times the information is incorrect and every dispute comes back as verified and updated but has no change in the account information whatsoever. Ive also reached out the XXXX XXXX of XXXX XXXX who has stated they DO NOT VERIFY ANY INFORMATION WITH CREDIT BUREAUS. Since this is the case, its obvious that Experian has not conducted an Investigation and has violated my rights under the FCRA
Consumer complaint received 2019-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

Experian You Guys were so Busy Typing in the completed investigation on the account I see you changed the Balance updated to XX/XX/2019 But you Forgot to change the Status update If you Guys are Going to change this information Make sure you do it right Because the law say You have to do a proper investigation and Look at the status update that's a true Sign you did not conduct a investigation because you were Too Busy typing in consumer dispute message lol You people are a joke CFPB DO YOU SEE WHAT I'm TALKING ABOUT THEIR WAS NO INVESTIGATION! AND THEY HAVE STARTED ADDED IN THERE DISPUTE NOTE THEMSELVE ... MMMMM INPRESSED IF YOU GUYS GOING TO CHANGE THESE ON YOUR OWN TRY NOT TO GET CAUGHT AND DO IT THE RIGHT WAY HAHA FUNNY AS XXXX XXXX XXXX CAN YOU EXPLAIN TO ME AND CFPB AS TO HOW THIS HAPPENED THE ACCOUNT STATUS SHOULD HAVE CHANGED UNTIL XX/XX/2019 ITS STILL SHOWING LAST MONTH ARE YOU ABLE TO SEND ME A CFPB OF THE CODES AND THE DATES THAT XXXX WAS USED TO TRANSMITT TO XXXX AND WHAT CODE AND DATE AND TIME XXXX SENT IT BACK TO YOU FOR PROOF BECAUSE THIS US UNREAL AS YOU ARE BREAKING THE LAW. 
CFPB I'M ASKING YOU TO LOOK INTO BECAUSE THIS IS NOT THE 1ST TIME I HAVE SEEN THIS ITS CLEAR AS DAY THEY ARE NOT CONDUCTING A FAIR AND PROPER INVESTIGATION EXPERIAN IF YOU ARE TRUTHFUL ABOUT THIS SEND ME THE PROOF AND CODES THAT YOU SENT VIA XXXX XXXX IF  YOU CANT I ASKED THAT YOU REMOVE THIS ACCOUNT ASAP. THE TRUTH WILL SET YOU FREE AND THE ONLY THING WILL PROVE THIS IS THE XXXX XXXX  TIME AND DATE AND I WILL BE WAITING ON YA!
Consumer complaint received 2022-08-13
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc. (CO)

Diversified Adjustment Services calls me at least 3 times daily. They call from spoofed fake phone numbers originating from the XXXX XXXX area, even though theyre based in Minnesota and I live in Colorado. I usually answer, and theres silence on the line about 75 % of the time. When someone is on the other line, I immediately tell them to cease attempts to contact me by phone. They refuse to stop calling me every time, in violation of state law in Colorado.
Consumer complaint received 2020-04-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (PA)

XX/XX/2020 XXXX XXXX made contact with about payment I stated I did not have the payment and would call him back I am XXXX late or 2 months late XX/XX/2020 XXXX XXXX attempt to make a contact with me again but I could not answer as I am an essential worker. He then moments after called 2 of my friends and family members. He did not leave his name or his contact info. I then called him back on my break he asked for payment I stated I would pay it on Thursday. {$170.00} he said that's fine and then you won't owe I Payment until XXXX as he offered me a deferment .... ..after getting more details from the calls he made to try and understand his course of action I called back to lendmark and asked what there corporate number was, which he also said he could not find and wasn't sure of an external number.
Consumer complaint received 2020-11-16
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS THAT WAS OPEN IN MY NAME SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (NC)

I have XXXX hard credit inquiries from XXXX dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. Neither should be present on my credit report. I was prequalified for their related credit card months prior to those inquiries which I did not authorize.
Consumer complaint received 2017-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Mortgage company, XXXX XXXX, issues a late payment notice on the day that payment was made through auto biller payer program through the mortgage company. The mortgage company,XXXX XXXX, issues a statement earlier is the month stating to disregard the bill because the payment was automated. The letter is signed by the vice president of XXXX XXXX. XXXX XXXX 's response is that it is automated to issue a late statement notice the day payment is due, they control the withdraw date because it is a auto bill payed per the mortgage terms.
Consumer complaint received 2017-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My husband passed away in XXXX XXXX. Each of us had a personal bank account at Bank of America. Since his account had all the bill pay features set up including our mortgage thru BofA, I would transfer funds from my checking to his checking and pay bills that way. 

XXXX XXXX, I finally notified the mortgage Dept at BofA that he had passed away. They instantly froze his bank account that had {$210.00} in it. ( Even though I just called re : the mortgage ). 

Shortly after, I started the process of dealing with the estate/assumptions Dept. I sent them every document and filled out every form they sent to me. 

Approx. 15 months ago, I had to send them an affadavit of surviving spouse and have it notarized. On that paper, I asked them to send a check in the amount of {$210.00}. 

Next, they said I needed to fill out a form since the amount was under {$500.00}. NO ONE HAS EVER BEEN ABLE TO PROVIDE THIS FORM. Literally, when the letter came saying I needed to fill out this form, the document stated to fill out the enclosed form ; THERE WAS NO ENCLOSED FORM. 

I Called at least 3 times talking with the estate Dept asking them to send me this form that was referenced, but not included in the letter. Though each person assures me they will send it and apologize, NO FORM EVER COMES. 

Last week, I again called and spoke to the estate/assumptions Dept. I synopsized the story and asked if he could please review the account so that I can finally just be done with this. 

I also added that when my husband signed up for his bofa account in XXXX, I was sitting next to him and am positive I was listed as his beneficiary. 
I also added that if they look back on his account, they will see only transfers from my account to his. 
I even asked if I could just deposit one of his signed checks in that amount into my account, since getting this " form '' was impossible. 

The representative came back on the line and said they have everything they need except for something called next of kin whatever. I asked what the notarized affadavit was for since that states I am sole surviving spouse. Obviously, that makes me next of kin. He assured me they will send the form marked " urgent ''. It 's been over a week and no form has came in the mail. If history is of any consequence, THERE WILL BE NO FORM. 

I AM FURIOUS AND FRUSTRATED THAT IT APPEARS TO BE IMPOSSIBLE TO CLOSE MY LATE HUSBANDS ACCOUNT AND RECEIVE THE {$210.00}. 

NOT A XXXX DOLLARS ... 
JUST {$210.00}. 

THE BIGGEST MISTAKE I MADE WAS TO LEAVE $ IN HIS CHECKING WHEN I CALLED ABOUT THE MORTGAGE. 

IT IS CRUEL AND UNUSUAL PUNISHMENT BY BOFA TO CONTINUE TO FORCE ME TO JUMP THROUGH HOOPS TRYING TO SOLVE THIS ISSUE. EACH MONTH WHEN THE CHECKING STATEMENT COMES IN THE MAIL, I AM FILLED WITH RAGE AND DESPAIR.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

XXXX is a misleading lying organization. I was instructed to mail a payment paying overnight to lower the balance listed on the account. Only to be told that now they have transferred the account yet again to a business partner and neither entity can access the account as I am constantly being told that I will receive a callback or to call the next day. The check I mailed was cashed by Toyota Financial Services. So now I am out of money and the balance on the account has not been lowered nor has the balance been reflected the respective credit bureaus.
Consumer complaint received 2023-01-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Time has already passed but up until now, I havent heard any kind of response from the XXXXXXXX Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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
Consumer complaint received 2021-08-18
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. (TX)

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 2017-09-22
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. (TX)

I have submitted multiple dispute letters in regards to inquiries on my credit report that I did not authorize. I have not received a response or any documentation that can support these inquiries. Credit agency has not removed inquiries in question. I will list them below and am demanding said items removed from report immediately. 

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 2020-10-28
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: Experian Information Solutions Inc. (MD)

On XXXX, XXXX and Experian, it seems that credit cards and other inquiries have been carried out with me requesting them. It seems that the card company periodally do this and it affects my credit. Then it lowers my credits score when I pay my bills on time, I have recently paid off two cars and mortgage has never been late. I can not understand why on all my credit reports it show a low credit score. The companies that have recently conducted inquires on my report is what I am referring too. Please review this, these errors need to be consider and changed. I believe that my credit score is really too low for someone that pays there bills on time. Thank you
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CA)

On XX/XX/2022 Some one hacked my XXXX account and made an unauthorized purchase with my Direct Express debit card ending XXXX in the amount of XXXX. 
On the XXXX of XXXX I opened a fraud claim with Direct Express # XXXX. 
After a 45 day investigation by Direct Express they decided to deny my fraud claim saying that the merchant ( XXXX ) provided them with proof that I approved that transaction. 
I requested a copy of that proof 3 times and have not yet received it. 
Nor will the merchant allow me access to that proof.
Consumer complaint received 2017-09-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation (PA)

I have tried numerous of times to get in touch with this company they leave you on hold for more than XXXX minutes the customer-service is very rude then they say they can not help me. I need to stop XXXX Authorisation with this company. I will pay by money order. The customer service is the worst and i read bad reviews about their customers service.
Consumer complaint received 2017-09-23
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: EQUIFAX, INC. (AL)

Equifax reinserted 3 collection accounts that were removed from my credit report. I contacted Equifax to fix the problem and spoke with a XXXX in the executive office. She has yet to fix the problem.
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

After reviewing my credit report, I found an account reporting inaccurate information. This account is reporting on my credit report as XXXX XXXX XXXX Bankruptcy : Please remove this account due to inaccuracy because you are reporting that this account was included in a bankruptcy discharge but there is no bankruptcy reporting on my credit report. 
Please remove this account due to inaccuracy because you are reporting a high balance AND a bankruptcy discharge. As you know both can not be true. If an account is discharged, you can not also report a high balance! 
Identity Theft : Please remove this account due to inaccuracy because I have disputed this item more than 3 times as identity theft and you have never once added that in the comments section of this item. 
Incorrect Account Name : Please remove this account due to inaccuracy because you are reporting an incorrect account name. You are reporting this account as XXXX  XXXX XXXX, Experian is reporting it as XXXX XXXX XXXX. 
Incorrect Account Number : Please remove this account due to inaccuracy because you are not reporting the correct account number associated with my social security number. XXXX XXXX alleges the account opened in my name has an account number of XXXX, you are reporting an account number of XXXX
Consumer complaint received 2020-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AZ)

I have disputed information with a third party reporting agency lexis nexis that was not able to verify or validate public records information. The company removed most of the unverified information in XXXX on my consumer report but not with the bureaus. As investigations continued none of the reported information could be verified and it was completely removed from my consumer report. The company has sent me proof of the removal but has not removed the information from the bureaus even after multiple disputes surpassing the 30 day investigation time. I have tried on numerous occasions to contact lexis nexis to get a resolution from the manual disputes they entered to the bureaus via electronic reporting but, always placed on a dead hold for an extended amount of time with no person on the line but call still intacted.
Consumer complaint received 2017-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

On XXXX XXXX XXXX Wakefield & Associates located at XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX received written communication from me requesting that they validate debt that is being reporting on my credit reports. One of the debt is {$1200.00} and the other debt is {$950.00}. I asked the company to provide me with proof that I signed off on to validate that both debts are indeed my own. The company has failed to do so. Wakefield & Associates is collecting a debt from an unknown medical practice. This company has yet to provide me with the requested at nearly 30 days now. For all that I know, the original creditor could have sent over fake receipts etc. Again, this company has failed to validate the said debt they are attempting to collect.I do n't know who the original creditor is, what they are billing me for, nor proof of me physically signing off to agree to be billed
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had over {$9000.00} of fraudulent transaction from XXXX and Bank of America is refusing to refund them even after XXXX agreed to refund the whole amount back to them.
Consumer complaint received 2022-08-13
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. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX