davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uplift, Inc (NY)

The UpLift tradeline contains patently inaccurate information. The tradeline is inaccurate because the CURRENT PAY STATUS shows the debt is a CHARGE OFF. This debt has been paid so the current pay status should indicate that the account has been paid. The tradeline is also inaccurate because I did not open this account and I did not authorize the account to be opened. This account was opened without my knowledge and authorization and should not be on my report because it is not my account. I immediately paid the account when I learned about it because it was destroying my credit, and I was told it would be removed if I paid it. When I disputed the account as being fraudulent, I was told that I would have to prosecute the person who opened the account my wife so I did not purse that.
Consumer complaint received 2022-04-29
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. (TX)

In accordance to the fair credit reporting act XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better  Business Bureau as I want this to be taken care of right away.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Hello on XXXX i sent out letters to each credit bureau to remove accounts and addresses that was listed on my report and they have failed to reply in 30 days
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted several disputes concerning my credit.. The bureaus not complying or following with the law.. They have not gave me my results or investigation results.. I have sent out letters in the concern of my credit issues.. They have not as of yet resolved my matters at hand.. I will like help in getting the matters of credit concern deleted immediately do to the fact that they have not complied or show proof of my investigations..
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SUNRISE CREDIT SERVICES, INC (NJ)

Hello on XXXX i sent out letters to each credit bureau to remove accounts and addresses that was listed on my report and they have failed to reply in 30 days
Consumer complaint received 2021-02-03
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. (NV)

***Pursuant with H.R.5332 - Protecting Your Credit Score Act of 2020 Transunion has not established a central portal for consumers to dispute errors*** I called Transunion onXX/XX/21 to dispute a medical collections added to my credit report from XXXX XXXX XXXX . After explaining this was a medical collections ( HIPPA violation ) and that this should have never went to collections as it was suppose to be written off by the original creditor the due to the global pandemic COVID-19 ( I have documentation to support my position ) The rep took by dispute and assigned file # XXXX I explained I had supporting documentation and the rep advised me to mail it in ( again they don't have a central portal for consumers to dispute. 

I sent a first class package by certified mail to Transunion on XX/XX/21which was delivered XX/XX/21 ( tracking # XXXX ) Included in the package was all of my supporting documentation. 

I received dispute results by mail ( Letter dated XX/XX/21 received by me on XX/XX/21 ) Indicating the debt was verified as accurate and the date was updated. 

Transunion did not properly investigate this error, nor did they wait to review my supporting documentation which clearly supports my position. They simply did some type of electronic " validation '' no real investigation. I called them on XX/XX/21and their investigation response was dated XX/XX/21( 3 days )
Consumer complaint received 2022-04-29
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)

In accordance to the fair credit reporting act XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.
Consumer complaint received 2021-06-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (DC)

I have been on COVID-related forbearance plan for more than a year. Last week I contacted my FHA mortgage service provider 's Home Preservation Department ( Wells Fargo ) to walk me through the loss mitigation options that I will be eligible for after the forbearance plan expires. I was told that income documents will be required for the following two loss mitigation options : ( 1 ) COVID-19 Owner-Occupant Loan Modification ( 2 ) COVID-19 Combination Partial Claim and Owner-Occupant Loan Modification. 

My understanding - based on the Mortgage Letter XXXX, dated XX/XX/2021, from the U.S. Department of Housing and Urban Development - is that no income documentation is required from borrowers for the two options stated above. So, I request you to clarify this matter and ensure that Wells Fargo consistently provides accurate information to its distressed borrowers.
Consumer complaint received 2021-06-08
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: Phoenix Financial Services LLC (NC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Bridgecrest Acceptance Corporation (FL)

I used a promissory note instead of cash to secure the purchase of a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX. After that, Bridge Crest bought my data from XXXX, which was viewed as an asset belonging to me as a customer and real person. My promissory note, which said that the bank was obligated to return the asset to me even if I haven't received it, was worthless. The contract the bank bought was a retail installment " credit sale '' deal ; in actuality, it was not an auto loan, despite the bank 's claims to the contrary. However, banks are only permitted to borrow money in accordance with 12 USC 1431. The bank collected on an alleged debt by using false and deceptive promises, allegedly in violation of the fair debt collections practices act, the truth in lending act.
Consumer complaint received 2021-11-09
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: WELLS FARGO & COMPANY (VA)

Wells Fargo Home Equity # XXXX, this home was sold on XX/XX/XXXX. Wells Fargo and XXXX are still reporting this closed account as being delinquent. The account was paid in full and fully satisfied on XX/XX/XXXX. Attached please find a copy of the Deed of Release, letter from Wells Fargo and the credit report screen shot showing the issue. 
I am unable to obtain a mortgage due to this inaccurate reporting when XXXX XXXX pulled my credit report XXXX was showing this incorrect information. I have contracted XXXX and Wells Fargo myself and to date this issue is still not correct. I have filed prior disputes with XXXX and to date this issue has not been resolved. This is causing an undue hardship to my livelihood. 
The attached shows 90 days late and with last delinquent date XX/XX/XXXX. 
I would like all derogatory remarks removed from this account to show it was paid in full and closed on XX/XX/XXXX.
Consumer complaint received 2020-11-05
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}, {$12000.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Consumer complaint received 2024-03-22
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TN)

I have a charge account with Conn 's Home Plus for an appliance purchase. I have autopay and never missed a payment in 3 years. I am on my last 3 payments and mysteriously there is a " glitch '' and autopay stops working but is still enabled. I get a text my account is past due and to make a payment. I have never had any issue in 3 years and never had to even contact customer service. I see this is possible suspicious behavior and illegal attempt to extract extra fees or interest by forcing account to default near maturity. Please investigate.
Consumer complaint received 2021-06-08
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. (GA)

Due to CARES Act/COVID 19. My accounts with Comenity Bank ( Victoria Secret, XXXX XXXX XXXX and XXXX was reporting inaccurate information. Please review my accounts.
Consumer complaint received 2020-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 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 2021-06-08
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (PA)

I made a purchase using my AmazonPrime store card ( Syncrony Bank ) on XX/XX/2021. The hose reel cart was purchased from " XXXX XXXX XXXX '' in Texas for a total of {$130.00}. I found the same item at our local XXXX XXXX store for {$99.00}. I asked Amazon for a return. They referred me to XXXX XXXX XXXX. 
They refused to return the item. I contacted XXXX on XX/XX/XXXX and filed a dispute on the hose reel charge. I contacted Amazon to complain about their seller. XXXX XXXX XXXX provided a return shipping label on XX/XX/XXXX. I returned the item Using the XXXX label provided on XX/XX/XXXX. Amazon refunded the {$130.00} to Syncrony bank on XX/XX/2021. 

It is XX/XX/2021. I have contacted Syncrony bank several times in the past 2 months about the {$130.00} charge that still appears on my account. I asked Syncrony to cancel the dispute.They said that the dispute dept. has not completed their work. Today, the rep from Syncrony said that it will take another 60 days. Something is wrong. 

Syncrony bank has fraudulently charged my account, though the payment was made by Amazon on XX/XX/XXXX. Syncrony still charges my account when I requested that the dispute be ended. I spoke with Amazon again today. They asked me to call Syncrony again. I am now on hold with Syncrony for over 30 minutes.
Consumer complaint received 2022-04-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FULTON FINANCIAL CORPORATION (PA)

I made a payment at the Fulton bank XXXX branch XX/XX/2022. My car was repossessed the next week. When I called to inquire why my car was repossessed, I spoke with XXXX XXXX, I was told that I did not make a payment that day. I retrieved my receipt from the transaction and went back to the branch. The teller acknowledged that yes I made a payment and she was not sure why it did not post to my account. I later spoke with XXXX XXXX the next day. I was told that my payment was found and it was mistakenly posted to someone elses account. XXXX also informed me that despite this, the car would not be returned unless I paid the full balances owed on the vehicle, over {$48000.00}. 
I asked to speak to a supervisor. I was later called by XXXX XXXX, who said his position in the company was Vice President. Speaking with him, I was told that yes, my payment was mismanaged, but he reiterated that despite the mistake by the branch it was his decision to repossess the car and it is his decision not to return the car unless it is fully paid off. I requested that my account be reviewed for further mishandled payments by employees which I felt may have led to the repossession. I was told that it would not matter because the decision was made and he was not changing his mind. I decided to file this complaint as I have gotten nowhere with Fulton Bank, I also have filed a complaint with the company. I was informed that my car would be sold on XX/XX/2022 unless I pay the balance. I read a statement on the CFPB website that stated that this practice of repossessing cars after mismanagement of a payment was illegal and felt as though I should report these actions to the CFPB.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC. (IN)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate ;, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Caine Weiner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC (GA)

In accordance to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
ACIMA DIGITAL FKA SIMPLE XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have a 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 2022-04-29
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: AES/PHEAA (TN)

In accordance with the fair credit reporting act XXXX XXXXXXXX Account XXXX, has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose
Consumer complaint received 2020-01-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc. (OH)

i have tryed to let this company know the company is called SENTRY RECOVERY there address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX that i was not responsible for this account they keep adding money to this and put it on my credit file as a collection on all my credit reports there is no proof of this account that i ever have done business with them i have tried to dispute the information with the credit bureau, s and have gotten nowhere the amount keeps getting higher it started off with {$2700.00} now its at {$2800.00} i do not have a account number and there is not one on my credit reports or files my name is XXXXXXXX XXXX  XXXX my ssi number is XXXX my phone number is XXXX my address is XXXX XXXX XXXX XXXX ohio XXXX