davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (OH)

My credit is frozen. I received the attached letter stating my application for a store card was denied. It is dated XX/XX/2022, and the email notification was received at XXXX on XXXX. 

I did not apply for a credit card/store card with this company, and want to file the complaint against XXXX XXXX for violating the Truth in Lending Act. 

I DO have a profile with XXXX XXXX and shopped there last week, and did a return/exchange of a product at XXXX on XXXX, when I suspect my application was run or held for submission. 

Thank you for accepting my complaint.
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Louisiana Recovery Services Inc. (GA)

Louisiana Recovery Services has placed several debts with XXXX, XXXX and XXXX with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. 

There are a listing for the following amount : {$1500.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.
Consumer complaint received 2021-12-03
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: AMERICAN HONDA FINANCE CORP (FL)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

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

XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 
XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-05-05
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/XXXX I started a dispute with XXXX credit reporting due to Synchrony Bank/ PayPal Credit card reporting an open account with a {$6000.00} balance that IS NOT MINE. The name and social on this account do NOT match, Ive called Synchrony endless amount of times. They refuse to talk to me since Im not the account holder even though it has my social. Synchrony ended my dispute with XXXX stating that the information on my credit report is true despite the name they are reporting does not match my social. So since XX/XX/XXXX Synchrony bought PayPal credit and messed up and have been reporting the wrong person credit card under my social disregarding the name does not match the social but still have attached it to my report on a monthly basis. I have gotten no where with both companies.
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Patenaude & Felix A Professional Corporation (PA)

Back in XX/XX/XXXX, reached an oral settlement with XXXX bank over a credit card dispute. 
On the check was written payment in full as per settlement. However, instead of cashing check the check was converted to an electronic format by payee. 
In XX/XX/XXXX received an invoice from XXXX  bank so sent a certified mail letter advising this was disputed and asked them to check notes of phone settlement conferences that were held in XXXX XXXX and XX/XX/XXXX. 
In XX/XX/XXXX XXXX and XXXX, law office sent a letter regarding this debt and they ignored the written response and have filed a complaint in magistrate court which is scheduled for next week.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I was advised months back that once I pay 6 consistent payments on time that my account would become unrestricted. I have made 8 on time payments and the account is still restricted. Upon calling in today I was advised that the account is currently open however it still restricted and they leave it to the customer to close the case. Which is inaccurate because Capital One unrestricted my business account as well as my sons card. I was also advised that I was unable to use my rewards points because of the account restriction. The representative was rude and unwilling to get to the problem of concerns. This is unacceptable and so was the representative attitude.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I sent the letter below via Certified Mail to Experian. Experian notified me by email that the dispute was complete but did not provide me with how the accounts were validated. I called Experian over the phone and they advised me that they can not provide the way the account was validated. If they can not provide the way the account was validated then the accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX XXXX unverified account XXXX XXXX XXXX XXXX XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account Thank You, XXXX XXXX
Consumer complaint received 2023-03-21
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. (NJ)

On XX/XX/23, I requested physical evidence to validate accounts : XXXX XXXX and XXXX XXXX XXXX from the credit reporting agencies. The documents were not produced. As per 15 US Code 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
They have violated my consumer right by reporting false and inaccurate information on my credit report. 
Please see attached letter mailed and received by CRA.
Consumer complaint received 2021-05-08
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. (NE)

I received notification from XXXX XXXX that there were an Inquiry from XXXX XXXX on XX/XX/XXXX that i did not authorize. There are also Inquiries made on XX/XX/XXXX for XXXX, XXXX  XXXX bank from XX/XX/XXXX, XXXX from XXXX XXXX, XXXX XXXX Bank XXXX XX/XX/XXXX along with an Inquiry from XX/XX/XXXX from XXXX Bank that i also.did not authorize.
Consumer complaint received 2021-05-08
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. (TN)

Account Name : XXXX Account Ending in XXXX Balance : {$0.00} Date open : XX/XX/XXXX This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account since the last year of XXXX and I keep getting the same response from the creditors and credit bureaus telling me that the reporting of this account is accurate. Well I say that their claim is disputed and denied, I received a letter from the creditor stating the exact date that this account was opened and it was on XX/XX/XXXX. However, it is reporting inconsistently in XXXX and XXXX, it reporting XX/XX/XXXX, in these two bureaus. I have attached the letter from the creditor for your reference.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (NV)

I bank with a serve debit card. And Im usually late on seeing my transactions. And I thought something was a little weird when I added money to card but it seem to be slowly but surely disappearing. Moving so fast and dealing with other issues I just continued to add money and continue on.until I see my transaction history. Ive noticed charged from an atm withdrawal and unfamiliar address and Im starting to see exactly that my money has been stolen in another state I do not reside in nor never been. Within two days my card was missing XXXX in atm charges XX/XX/2022 XX/XX/2022 and XX/XX/2022 I believe all with an weird address XXXX XXXXXXXX XXXX also one from an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA. Also the card is my sub account I usally only use online because my husband declined the offer of banking with serve due to problems Ive had with them over the years but the main account is mine in general. Can anyone help me get my funds back
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my XXXX XXXX and needs to delete immediately : Date of Birth : XX/XX/1990
Consumer complaint received 2024-03-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CrossCountry Mortgage LLC (FL)

On XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, I had conversations with my mortgage company Cross Country Mortgage after receiving paperwork via mail for a modification. This modification was sent in response to my assistance request due to a change in income and increased debt. During the most recent conversation with XXXX XXXX, I confirmed receipt of the modification paperwork but explained that I wasn't satisfied with it due to the increased payment amount and interest. She replied " I didn't have to sign it, '' so I then asked " If it were possible to receive a forbearance to give me time to do a financial plan to pay up the delinquent amount, '' which she advised that " Forbearance is only for those that currently have no income. '' I expressed that I received it in the past while still having an income but my income was reduced. She stated, " We gave you a modification to assist you and already provided you a partial claim in the past. '' Before she could finish calling me out for being in financial trouble I expressed that I am unfortunately in another hardship due to various changes in income and debt. She wasn't helpful or cooperative so I ended the call. I received a phone call from XXXX  the same week stating that my application is being reviewed and expedited because I applied for the home assistance program for Florida in the past but didn't receive assistance due to a lack of funds and a close out of the program. I am hoping this assistance comes soon otherwise I will do my best to devise a plan to get caught up on my mortgage. Going from a payment of {$1600.00} with a 3.25 % interest rate to a payment of {$2000.00} with a 7.125 % interest rate isn't much of a modification and is not going to assist me in my current situation.
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Three months ago I received communication from this company via the mail. At the time of getting this information I replied that this was not my account and that they need to validate and prove this debt was mine because I have disputed it with XXXX  XXXX as well when I received the letter stating it was sold. They sent me a copy of a bill and a letter from XXXX  XXXX that I have already disputed and said the account was validated and have since put this on my credit. I have had a fraud alert on my credit for 10 plus years and I have a police report stating that I have been a victim of fraud since 2007. The Police report number is XXXX and was filed with XXXX Police Department. The keep calling harassing me from different numbers all day I have asked them to only contact me by mail. I have literally blocked 45 different numbers.
Consumer complaint received 2018-02-27
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: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/XXXX I received a targeted offer from Delta   to receive XXXX Delta Skymiles and a {$50.00} credit by applying for the American Express Delta Skymiles Credit card. 
The provision was to spend a minimum {$1000.00} within the first 3 months in order to receive the miles and credit and to have the account in good standing. They require 8 weeks to award the miles and credit. 

I received the credit card in XX/XX/XXXX. The spending was requirement was quickly met within the first month and the account balance always paid in full on time. 

It is now almost XX/XX/XXXX ( 6 months ) and after 4 dialogues with American Express, they still have not awarded the miles. Even elevated to management they say " they - some remote awards center '' are working to resolve it. Each dialogue results in a note being sent to the department that awards miles and that it will take another 24 business days to cycle. 

This is a clear case of shenanigans. I believe American Express could resolve this quickly if they chose to and probably wish consumers would just give in and forget about the miles.
Consumer complaint received 2021-12-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (MO)

XXXX XXXX and direct recovery services repeatedly contacted a third party by text in reference to my account. They contacted me as well. But they texted the third party details abt my account status through text. They had my phone, email, and address the entire time. I expressed to them on at least 7 occasions that they were texting my account info to the wrong person. I expressed this by email, text, and verbally. They continued to ignore my requests to remove the third partys info. I know they can leave messages with third parties.. but they are not supposed to give out my account information.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK (CA)

I stopped making payments on my mortgage due to the XXXX  situation, i was at the hospital for several months and i was unable to make money, all my bills were accumulating and i had to spend my savings to pay them, however my savings were not enough, not that i have my income stables i have tried several times to apply with my lender to an option to keep my home but they are not cooperating because i always get denied, its okay if they can not provide a MOD, but they do not qualify me for any other option more than to sale the property, this is my wife and my home, i do not have family and nowhere to go, now they have set a sale date on XX/XX/year> while i have an open application. I do not know what to do already because i even am working more to get my income increased and not even with that looks enough. If i do not get any solution i will have to go to the channels to share my experience because Midland Mortgage is not helping the clients eventhough of the XXXX XXXX  Situation, i really need help, please CFBP, help me to stop the sale date and to get a MOD, Partial claim or loan deferral, thank you.
Consumer complaint received 2020-12-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge i do not recall any of these accounts i need this problem fixed as soon as possible. i mailed out a letter regarding these accounts on XXXX to this day over 60 days later I have no received a response I am becoming impatient within the lack of response and delays these accounts need to be removed from my profile immediately
Consumer complaint received 2018-02-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TD BANK US HOLDING COMPANY (NY)

I was at the end of my lease and I contacted XXXX to arrange an inspection for the return of my lease. 

Unbeknownst to me, a payment that I paid from my business through ACH was returned due to a technical glitch. 

I was on the phone with XXXX on Wednesday and Thursday, XX/XX/XXXX and XXXX discussing my end of lease options and return of lease. At no time during the conversations, did they mention to me that there was a problem with my payments. 

Furthermore, XXXX never contacted either by email, phone or regular mail to inform me that there was any sort of problem with my lease. 

Sunday night XX/XX/XXXX, a tow truck came to repossess my car. Please keep in mind that this was a holiday weekend, and I had no recourse until Tuesday. 

I immediately called XXXX, made the payment of {$1000.00}, and I was assured that the car would be returned to me so I can retrieve my personal belongings and fix and slight damages. 

After called again, I was then informed that no, I would not be allowed to retrieve my car. 

XXXX agreed to waive the towing fee, but I have yet to receive a confirmation of this. 

The way XXXX handled this was troubling on so many levels. They never informed me of a default or late payment. They never gave me ANY opportunity to correct the default. I have NEVER been late on my car payments even once during the whole lease period. They NEVER mentioned any issue even though I was on the phone with them many times. 

And Finally, they came like a thief in the night to repossess my car on a Sunday night on a Holiday Weekend
Consumer complaint received 2020-10-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NM)

ACE CASH EXP/POPULUS Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX THE XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX Both of these business did a soft inquiry in my name that I did not request. I have never even been to XXXX, TX so I find it very suspicious both of these companies located there attempted to secure a loan in my name without my knowledge or consent. Please let me know what further steps I should take in this matter