davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate personal information on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand this inaccurate personal information be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-06
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 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2021 I received a text saying someone was trying to use my bank card and if it not me reply no. I replied No. moment later I received a call from a Wells Fargo # with name identified the same. He said his name ( dont remember ) and said he was from the fraud department, He asked about this transaction as well as an online line transfer and wire. I said no and was trying to correct the problem for me. I gave him my social and well as bank info. After an hour and 40 min the phone call was lost. I called the bank to try to continue the process and was told they had no record of talking to me. I gained access to my account and saw XXXX was GONE! I filed a claim and receive new bank Accounts. The money was on online transfer from other accounts then wired. I was informed my account was trying to be accessed 5 times was sent 17 different codes and they were going to attempt to get the money back. 
A week later I called to check on the claim and was told I was denied because of the way it happened. I was told there was NOTHING that could be done and after 5 or 10 min of disbelief She finally gave me the bank and transfer # s which are out of state. I filed a police report and went to my local branch and was told to refile the claim and the claim has been sent to the executives. I was very upset and crying in the office. I just hope that the higher up will look foe more to know that I did not with intent wire these funds and the bank was misrepresented. I would just like to be made whole again in my account. I have all the screenshots of that day with the duration of the call and number.
Consumer complaint received 2023-01-08
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: EQUIFAX, INC. (FL)

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America opened an unauthorized account without my knowledge or permission ( see attachment ) it's the Home Equity Line of Credit. Furthermore, Bank of America force placed 2 homeowners insurance policies through their wholly owned subsidiaries going back to 2006 and added the costs and premiums to my mortgage even though I had a homeowner 's insurance policy through XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I am filing this complaint against Synchrony Bank. Below is an explanation of what has been happening. 

I have a checking account with XXXX XXXX XXXX that was compromised and had to be closed. As a result, payments were returned from the closed account, and there was a lag in getting the payments re-submitted from my new checking account. 

Synchrony Bank, which controls a number of my store-based credit cards, closed ALL of my accounts, as a result of a returned payment for XXXX of them, XXXX XXXX XXXX XXXX XXXX XXXX ever contacting me. I got the first official notice of multiple account closures, by Synchrony Bank, via regular mail, over XXXX week after the accounts were closed. 

The bank, as per XXXX of its phone agents, went on the assumption that I, the account holder, was trying to engage in some type of fraudulent double-paying? scam. There was NO COMMUNICATION, to me, from the bank, until I received paper mail notifications, of each credit card account closure, to reiterate, OVER XXXX WEEK AFTER THE ACCOUNTS WERE CLOSED. 

This behavior, and the assumption that I was engaging in some sort of fraudulent activity, is particularly egregious because I have, in the past, almost always paid on time and in full. My XXXX XXXX, depending on which reporting service one uses, is between 750-800, and I should have been given, at the very least, an opportunity to discuss my situation with the bank, before they summarily closed ALL of my store credit cards that are controlled by Synchrony.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my score.
Consumer complaint received 2023-05-31
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC. (FL)

An Account with CapStone CC showed up on my credit report for an account with 09 The Park At XXXX XXXX. I sent a letter via certified letter 3 times which the company received. The tracking number with USPS is XXXX. This was sent to the bureaus and they directed the message and nothing was done. The company has not sent me any documents validating this debt and is ignoring the fact that this is IDENTITY THEFT. I sent them documents to prove its not mine and they have been ignoring my letters and not removing this account that IS NOT MINE off my report. I requested the agreement between the collection company and the original creditor with my signature and ID showing this was me and they never responded. This is an apartment leasing company and im sure they would need ID before adding this to anyones credit. This account is still reporting on my credit report.
Consumer complaint received 2020-08-26
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. (GA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$980.00} XXXX XXXXXXXX XXXX {$1800.00} XXXX XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$300.00} XXXXXXXX XXXX XXXX {$110.00} XXXX XXXX {$1200.00} XXXX XXXXXXXX {$160.00} XXXX XXXXXXXX {$64.00} XXXX XXXXXXXX XXXX {$8800.00} XXXX XXXX XXXXXXXX {$5000.00} XXXX XXXX XXXXXXXX {$4400.00} XXXX   XXXX XXXX {$1200.00} XXXX XXXXXXXX XXXX {$1300.00}
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I paid my account off with XXXX XXXX XXXX and have never missed a payment. I paid them off on XX/XX/XXXX, and I made all credit bureaus aware of this once I noticed that this information was being reported incorrectly. I was dismayed to find out this information hasn't been reported correctly and even after providing proof to all credit bureaus of this they have failed to update this information even after being notified XX/XX/XXXX. Please assist.
Consumer complaint received 2018-04-05
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. (NY)

The following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XX/XX/XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-09
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 — Was not notified of investigation status or results
Company: NCB Management Services Inc. (TX)

I sent a dispute to XXXX more than 60 days ago and still no response I will like these accounts delete. This company never responded to my dispute for accounts : NCB MANAGEMENT SERVICE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX did an investigation and deleted all 3 of these inaccurate accounts. It is this company 's duty by FCRA and FTC to report precise and accurate information. below are the results from the other 2 Consumer reporting agencies that deleted these accounts.
Consumer complaint received 2018-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following inquiries are being reported on my credit report and these are unauthorized inquiries which I have not provided consent for. I have contacted all three credit bureaus numerous times beginning XX/XX/XXXX. Please review the companies below so this issue can be addressed immediately as each company below has accessed my credit report without authorization : Creditor Inquiry Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2017-11-02
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted XXXX XXXX XXXX XXXX on several dates over the course of 3 years. This past month, I contacted them on XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ; then, I contacted them on XXXX XXXX and XXXX to discuss the issue. I explained to them that my mortgage account is not on my credit file with Transunion. After speaking with Transunion, the representative informed me that XXXX XXXX XXXX XXXX will have to call them directly about my financials on my account and request a reincert. I explained this to them and they keep telling me it 's already reporting instead of trying to take care of the issue.
Consumer complaint received 2023-01-09
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$150.00XXXX XXXX XXXX XXXX XXXX : {$38000.00XXXX XXXX XXXX XXXX XXXX : {$24000.00}
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AMERICAN HONDA FINANCE CORP (NV)

I returned a lease with Honda, it specifically was an Acura, and upon return I was misinformed the next steps. Furthermore, I did not receive any correspondence about approximately {$140.00} owed to close out the lease. Acura locked out my online account and did not send information via mail, but submitting a report to the credit union. Specifically I owed {$140.00} of final payments, my auto-payment did not pick up the fee owed, but it was also reported that I owed more than {$21000.00} to the credit union. I was also told I signed documentation that I did not sign, not was able to be produced by Acura upon request. I My issue is that I was mis-informed, and never contacted before the submission to a collection agency. Furthermore, Acura has not provided any documented proof for their credit report. I paid the amount owed immediately upon notification, which unfortunately was based on seeing my credit score go down rather than being contacted by Acura.

Honda has a history of not communicating to vendors and submitting a credit issue before following the terms of notifying and collecting additional payments. I was a customer of Acura/Honda and have never missed a payment before, but this has lowered my credit score by more than 200 points due to not only the late payment submission but also the submission that I owed more than {$21000.00} instead of the $ XXXX that was owed.
Consumer complaint received 2018-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (NC)

Ive contact XXXX XXXX  about a credit that got on my account that was not mine. Ive contacted them more that 5 times. XXXX  said they agreed to take it off one moment. Then next moment they decided not to. It have been 7years and i still can not get this off my account. 

XX/XX/2010 {$370.00}
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

This is the second year that Mr. Cooper has not sent my insurance company on time or the correct amount. Back in XX/XX/XXXX, my insurance was cancelled and I was not aware that I did not have any coverage until I received a check from the insurance company and called them to find out what they check was for. I was told that premium was do and they received the payment after the due date for the incorrect amount. Therefore, they cancelled my insurance. My house was not covered. Mr. Cooper fixed it and had my insurance reinstated after having me send them the check. 

On XX/XX/XXXX, I called Mr. Cooper to inquire why my payment went up {$200.00} a month and was told that I needed to call my insurance company on why my insurance increased. On XX/XX/XXXX, I called my insurance company and was told that my policy had been called because Mr. Cooper again did not send the payment for coverage on on time and the payment was not for the correct amount. Therefore they cancelled my coverage on XX/XX/XXXX and the payment would be mailed back to me on XX/XX/XXXX. They stated that they would not be reinstating my coverage because this was the second time that my policy had been called due to nonpayment. I called Mr. Cooper after I spoke to the insurance company on XX/XX/XXXX and after telling them what the insurance company said, they finally told me that they added coverage on my house since I did not have any. Them adding their insurance is what caused my monthly mortgage payment to increase by {$200.00}. Mr. Cooper caused the problem and now they are trying to gain for it by putting their overprice property insurance. This is fraud!!!
Consumer complaint received 2019-02-20
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. (AZ)

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP (MI)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, 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: Credit Plus Inc (IN)

The company that pulls my credit Credit Plus, is still reporting the exact same score from XX/XX/2020 to XX/XX/2020 but XXXX  sent a result with 12 accounts deleted dated XX/XX/2020, so that should have changed something pretty drastically. My credit score is important to me. I really need this update.
Consumer complaint received 2019-08-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I opened a account with USAA and it closed for no reason by USAA telling me that I had tried to run a scam by opening my account, would not give me the real reason. I was in the process of purchasing a car and the dealership who i selected must did not have a good rep with USAA so they closed my account because something that had nothing to do with me. In the process of filing a lawsuit because my account was closed without out cause and something that had nothing to do with me. It was not fair and I should not have had my accounts closed. They would not even tell me why my account was closed. I want my account reopened and a apology because I was accused of something that was not true.