davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XX/XX/year> Subject : Dispute of Incorrect Address Information on My Credit Report Dear XXXX, XXXX, & Transunion, I am writing to dispute the accuracy of personal information recorded on my credit report. Upon reviewing my credit report, I have identified addresses that are not associated with me and are incorrect. These addresses are as follows : XXXX. XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX At this moment, I request that these addresses be removed from my credit report as they are inaccurate and do not reflect my accurate personal information. Under the Fair Credit Reporting Act ( FCRA ), I can only have accurate and verified information reported on my credit file. 

I believe these incorrect addresses may be a mistake or a sign of fraudulent activity on my account. As such, I am concerned about the potential for identity theft and request that you thoroughly investigate how these addresses were associated with my credit report. 

I am attaching copies of documents that verify my current address and identity, which include : - A copy of my driver 's license showing my current address. 
- A utility bill in my name for the past month as proof of residence. 

I kindly request that [ Credit Bureau Name ] take prompt action to investigate and remove the inaccurate addresses from my credit report. Additionally, I would appreciate a written confirmation sent to me once these corrections have been made. 

Should you require further information or documentation to assist with your investigation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to correct my credit report and uphold the accuracy standards set forth by the FCRA. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (AZ)

My Identity was breached and Synchrony Bank/ Chevron gave a credit card to a person unknown to me, who charged the card and then did not pay. 

I have provided the company with all information, including police report and they are still asking me to pay the money and showing, that I owe them This is resulting in my negative impact on my Credit score Please help The Bank phone number is XXXX
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

PNC acquired BBVA. As of XX/XX/XXXX, I have not been able to access my old BBVA account. PNC never sent any information on new account numbers, routing number, or online access information. PNC website says my account can not be found. The local PNC branch is unable to easily find my account and is telling to wait for additional guidance. I have a debit card and was told, " well, you can use the ATM '' but my old PIN doesn't work and they never issued a new one.
Consumer complaint received 2021-06-01
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-05-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I review a current copy of my credit report and I show inaccruate account information listed. Account Name XXXX Account number XXXX is listed as a charge off account and this account has been paid as agree and XXXX advised this account will be deleted and still has not deleted this account due to successful payment. Please delete this account.
Consumer complaint received 2021-10-22
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 (PA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my XXXX XXXX. The XXXX Credit Bureau is reporting inaccurate information on SYNCB/GAPDC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

My family purchased a car with me as a Co buyer without my knowledge. The company says they verified the information which is impossible. However, because my mother was on the loan and she is now XXXX I decided to help so this car could stop affecting my score. I settled the loan as less than the amount owed with XXXX XXXX ( the collection agency provided by Capital One ). I was never told that the collection company would take 30 days as well as the creditor ( Capital One ) would take an additional 30 days. I am in the process of purchasing a home and this account is significantly affecting my home buying process. Capital One sold the account to a collection agency, XXXX XXXX reported the account had late pays the entire time the account was in collections causing a double negative effect. I really would like someone to review this matter. I have yet to obtain paperwork from capital one stating the account was settled in full. I have reached out to the CEO, customer service, as well as many other representative at Capital one and XXXX XXXX. I received long, disconnected phone calls and no solution to any of my problems. My consumer rights were violated on numerous occasions and I would like Capital One to rectify the situation. 



Not admitting to the debt
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm reviewing my credit report as I feel is very important. 
So you are telling me you got on the phone and called each creditors and send aIl my docs and youd did a fu ; ll comparison between what i saying and what they send to you and you found they were correct? I highly doubt it. 

XXXX XXXX XXXX Acc # XXXX ... 
XXXX XXXX - Account Number XXXX XXXX Card - Account Number XXXX XXXX Card - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number : XXXX Delete the above and send me a new report. 
And last and more concerning is my XXXX XXXX XXXX account XXXX, I paid my XXXX XXXX on time every month but your reporting shows as a negative account. Last Payment made on XX/XX/XXXX2018 Account Closed on XX/XX/2018 Pay Status shows ( Paid As Agreed Never Late. 

This is proof you never really verified this account at all. Update Update this account to shows as positive as it should be
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (MA)

This is my second complaint about Goldman Sachs for the same reason. With a clean credit report and a credit score of XXXX I should not get denied an Apple Credit Card. They did NOT address the issues. I've called them several times to speak to someone and they give me people who do not have access to my report. XXXX called me back onXXXX and left me a message. I could not get back in touch with her because she only left the main number. I've called on XX/XX/20 & today XX/XX/20 at XXXX XXXX and they are not able to help. My information is obviously getting crossed with someone else 's. I called the credit company XXXX  and there is nothing wrong with my report I went over it with XXXX line by line and it is clean. But, Goldman Sachs says I have three different issues. All outlined in my previous email complaint, all are not correct and not in my credit report. They are canned responses that they sent, not relevant to my credit report. Please take a look into my CORRECT report as you will see it is clean. This is obviously a big mistake.
Consumer complaint received 2020-11-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

When i checked my credit as i often do, i saw that Jefferson Capital placed a {$10000.00} and {$1300.00} collection on all 3 of my credit reports which is false and untrue. When i contacted Jefferson Capital demanding they provide me with documentation validating this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, they refused to comply within 45 days. Lastly Jefferson Capital has not validated any contract that i consented or agreed to with their company. Jefferson Capital has violated my credit and reputation, i am demanding collections be investigated, removed and communication be ceased from all credit bureaus.
Consumer complaint received 2018-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

This company is trying to collect {$1900.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-11-16
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. (MO)

I am a single mom and I want my credit report to be fair, I recently got out of the hospital due to stress upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 


I have the right to privacy In accordance with the Fair Credit Reporting act : XXXX Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. 

has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Thank you very much
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (OR)

I was notified by XXXX, XXXX XXXX XXXX, a collection agency for XXXX for with a letter dated XXXX that I owed XXXX a debt of $ XXXX rejected the claim as I do not have a XXXX account XXXX 

XXXX responded by letter dated XXXX that it was a valid account and enclosed invoices I have never before seen. My current phone number is with XXXX fi on a XXXX XXXX I purchased directly from XXXX. The XXXX invoices were for an iphone I purchased at XXXX XX/XX/XXXX and promptly returned XX/XX/XXXX. I promptly called XXXX and they wouldn't look into it unless I was willing to pay some amount. I said I would call XXXX directly. When I called XXXX, they, XXXX, patched me to the collection agency and I couldn't even ask what these charges were for OR why I never received any notice of these charges despite XXXX knowing my SSN, email, home address, phone number and maybe my XXXX membership number! I can not access my supposed XXXX account either by phone or website. The invoices were dated back to the XXXX purchase XX/XX/XXXX and had since accrued fees and penalties. The XXXX invoice was for {$670.00} XX/XX/2022 and XXXX credited me {$670.00} XX/XX/2022 My XXXX XXXX in XXXX, according to a printout from XXXX received XXXX 2022 was {$730.00} for an unpaid balance of {$130.00}, account charges of {$650.00}, my old phone number {$29.00} and the retuned XXXX number {$87.00} and the balance of {$130.00} representing interest, fees and costs. 

In XXXX my credit score was XXXX and in XXXX it was XXXX. I had no idea why. In 2022 my high XXXX XXXX was XXXX and my low until XXXX was XXXX. My current score is XXXX for XX/XX/2022. I am retired with 5 accounts- 3 credit cards a mortgage and 2nd. mortgage. I pay my credit cards in full each month. 

I have submitted reprinted receipts from XXXX to XXXX 's collection agency along with their letters to me. I feel a person should be able to talk with the company ruining their credit with false information before having to fight with a collection agency. A person should be innocent until proven guilty. And a word about Credit Score agencies. They are providing consumer 's creditors with credit information and their fiduciary responsibility is to the creditor since they have to pay for credit reports. They then want to charge consumer 's to protect and indeed provide their credit score information. This is a clear conflict of interest! XXXX.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CT)

I am XXXX XXXX and i am submitting this compliant myself and there is not third party involved. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan is writing today to report and issue. 
I spoke with Target in XXXX XXXX XXXX. In the recorded conversation I requested to verify through physical verification of the original signed consumer contract for any and all accounts that they post on my credit report. 

I asked that proof be mailed to me for all accounts on file. I advised that according to the Fair Credit reporting Act, Section 609 ( a ) ( 1 ) ( A ) that you are required by federal law to verify and Target did not.
Consumer complaint received 2021-03-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (NC)

We paid off our auto loan on XX/XX/2020. After the loan was paid, the company sent us the title and confirmed the loan was paid off, However, they reported to the credit agencies that we were 60 days late in XXXX and 90 days late in XXXX, which is not correct. They are also reporting to the agencies that the account was charged off from XX/XX/2020 through XX/XX/2020. Of course, this is not correct either. 

I have contacted the company several times to have this corrected, and they keep telling me that it is going to take time and they are working on it, But, it has been several months and nothing has changed. 

We are trying to refinance our mortgage while the interest rates are low. This company is holding us up from being able to do this, because of what they have reported to my credit file. 

I am very frustrated with this and would like you help, if possible.
Consumer complaint received 2021-10-22
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. (IL)

As per Section 609 I am entitled to see the source of the information, which is the original contract that has my signature, pay off disclosure, interest rate disclosure, and payment history, please provide. 

Transunion and XXXX XXXX / XXXX Is in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification/ validation for. In the amount of {$250.00} There was no written form of communication contact or signature for this accused debt at all. Stating that I agreed to pay said amount. Section 609 refers to a section of the Fair Credit Reporting Act As per Section 609, I am entitled to see the source of the information and signed contract with my signature.A bill is not a signed contract! Please dont not send me a bill. This is not a signed contract Please send the signed contract explaining that I signed agreement to pay said owed amount. If XXXX XXXX / XXXX can not provide this by law they must immediately have items deleted. The collection agency is required to have and provide this information.
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (OR)

I rented a vehicle from XXXX at XXXX XXXX in XXXX, TX for business travel for a 48-hour trip. I prepaid for my reservation, providing a credit card for the deposit at the time I picked the car up on XX/XX/XXXX. I returned it on XX/XX/XXXX, commuting a total of 72 miles to and from my place of employment and XXXX XXXX during the time the vehicle was in my possession. 

I filled the tank within 5 miles of the airport and returned the car full. An attendant was not present so I left the vehicle in the lot and returned the keys as instructed. Upon returning home, I noticed an additional charge for fuel, despite the fact that the receipt clearly showed the full tank on return. I was finally able to get the fee refunded. 

A month later I received a letter from a bill collector on behalf of XXXX claiming that I damaged the vehicle and attempting to collect over {$800.00} with no substantiating evidence and no further information regarding the alleged damage. The car was not damaged, and in fact XXXX did not even attempt to charge my card for any damages or mention them in any correspondence after the return date. The return slip also did not note any damages, simply that the vehicle was returned full and had been driven 72 miles. 

I believe I am on the receiving end of retaliation by XXXX for not paying additional fees for unnecessary insurance and for complaining about and seeking a refund for an additional fee they were not entitled to collect. I am in the process of retaining legal counsel to resolve this issue as XXXX has not acted in good faith throughout my rental transaction with their company.
Consumer complaint received 2021-06-01
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Santander Consumer USA Holdings Inc. (NY)

I am a victim of predatory lending and was told that I am included in a {$550.00} XXXX class action multi-state settlement. By Santander Consumer USA Manager XXXX XXXX ( on a two way recorded conversation which I have in my possession ). 

Santander consumer USA /Chrysler capital refuses to provide a copy of my loan application, nor will they go over it with me ... After expressing concern that information on there may have been manipulated by the dealer, for Chrysler Capital and Santander Consumer USA interest.. 

In addition, I was recently informed that an internal score was used to approve my loan ; which I was un-aware of upon signing the contract. 
Failure of Chrysler Capital/Santander USA to disclose said information ; left me with NO other options to shop with other lenders. Santander Consumer USA/Chrysler capital refused to furnish me with my internal Credit score. 

Although, According to the Fair Credit Reporting act they MUST maintain all information. I believe I was lied to, and taken advantage of. 

Lastly, my APR was NOT disclosed to me during signing on XX/XX/2018 Moreover, they knew I would default on the loan and my first missed payment was XX/XX/2018. XXXX XXXX was XX/XX/2018 2018