davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (PA)

I have filed an FTC Identity Theft Report and Affidavit under penalty of perjury. I have sent notices to both XXXX XXXX XXXX XXXX with regard to this fraudulent debt. They are both on notice that this debt is the result of credit theft and is not mine. I have not paid a single bill late for over 12 years. I lived at XXXX XXXX XXXX XXXX, PA for over 10 years and then moved a year ago. When I checked my credit for a major purchase, I discovered false information including debts that are not mine. After some investigation I found that someone had gotten my information and was applying for credit at two addresses. I have never lived at ( XXXX XXXX XXXX XXXX PA XXXX or XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX In addition when I changed my Drivers License online to my new address ( XXXX XXXX XXXX XXXX XXXX XXXX ) I noticed that my drivers license address had been changed to the XXXX XXXX XXXX Address ( I never lived there ). I contacted the 3 major credit agencies and they removed some of the negative information but they have not removed the fake address or the fraudulent debt for XXXX XXXX XXXX. In addition I have now received a demand for payment from XXXX dated XX/XX/2020 for the same debt, stating that I now own them {$3800.00} and asking if I dispute this debt. This notice went to my previous address ( XXXX XXXX ) so, I did not get it until yesterday as I have been down with XXXX for the past three months. I am disputing XXXX claim today.
Consumer complaint received 2020-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Look I'm the victim here, this Bank XXXX has been a problem for years on my Credit Reports. I filed Bankrupty over 15 years ago, XXXX was part of that judgement. I see on my credit report that this account came after my bankrupt. They are really beginning to upset me, not only are they on my credit report, but on my mothers credit report who has no nothing to do with that bank. My old mother doesn't even have a credit card only XXXX XXXX. Me and my mother are victims of fraud, we have reported it. Many stuff on my report are very similuar to my mothers. I'm very upset with all these banks that allow Credit Cards to be open without background checks and liability. This needs to stop. Also XXXX XXXX XXXX is on my report 4 times I've never banked at that bank. Stop this fradulent asctivity
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2020-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

On XX/XX/2020 XXXX XXXX XXXX XXXX merged to become Schools First. Customers were told to activate their debit cards on XX/XX/XXXX and that their old debit cards would no longer be usable. I have been trying to call the activation phone number and log on to the website, but both say that the services are not available. I, along with other customers, are being prevented from using our accounts or having access to our money. Because consumers can not contact the bank by phone or on line, there is no way for us to resolve the problem with Schools First.I am writing this complaint to document the unfair and possible fraudulent behavior on the part of Schools First.
Consumer complaint received 2019-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

In XX/XX/2019, Citizens Bank was notified by me that I desired no charges to be approved via the debit card if funds are not available. On XX/XX/2019, I discovered that not only did Citizens approve a charge that would cause an overdraft, but they also then charged an overdraft fee even knowing they were well informed not to approve charges that would cause overdrafts. Upon requesting them to rectify their error and refund the overdraft fee, Citizens Bank has refused.
Consumer complaint received 2017-12-11
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 (MT)

Hello, I am writing for your assistance in resolving an issue with American Express. I own two Delta-branded products from American Express ; the Delta Gold and Delta Platinum cards. Year-to-date, I have charged {$31000.00} on the Gold Card, and {$28000.00} on the Platinum card. My issue is having American Express credit mileage to my Delta Skymiles account. 

From XX/XX/XXXX to XX/XX/XXXX, I spent over {$25000.00} on my Gold Card. This resulted in Delta waiving the MQD ( medallion qualifying dollar ) requirement toward my elite status with Delta. In XX/XX/XXXX, I applied for and was approved for the Platinum Card. 

As part of a promotion, I received XXXX bonus miles and XXXX MQMs ( medallion qualifying miles ) when I spent more than {$4000.00} on the card in the first four months. I reached this threshold in XX/XX/XXXX, and the bonus miles and MQMs were credited to my Skymiles account. 

According the cardholder agreement, I am supposed to receive an additional XXXX bonus miles and XXXX MQMs when I spend at least {$25000.00} on the Platinum card during the calendar year. I have reached the spending threshold but have not received the bonus miles or MQMs. ( To clarify, I have spent at least {$25000.00} on each of the cards this year, for a total of {$59000.00}. ) I confirmed with American Express the end of XX/XX/XXXX that I am eligible for the additional bonus miles and MQMs based on my Platinum card spending, but they have failed to credit my Skymiles account. Multiple calls to American Express and Delta have been unsuccessful in resolving the issue. 

Customer service reps seem confused by the fact I have already received XXXX MQMs this year ( in XX/XX/XXXX ), but that was a result of a separate promotion based on card spending in the first four months. I am absolutely eligible for the XXXX  MQM bonus as a result of spending {$25000.00} during the calendar year. The language in the cardholders agreement is clear and unambiguous. I am frustrated by American Express failing to honor the terms and conditions of the cardholders agreement.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

In checking my credit report recently, I noticed a charge on my Synchrony Bank account. A {$1200.00} interest charge was applied to my account XX/XX/21. I have not used the account since purchasing furniture two years ago ( Ashley Furniture ). I have never missed a payment. If Ive connected the dots correctly, there must have been a clause in the contract I signed stating there was a promotional expiration date. Apparently the promotional period expired and accrued interest was charge. I have two issues with this and maybe Im just out of luck ; please help if youre able to. 
First, the contract I signed was very long and contained mostly legal jargon I did not understand. Like most people, I did not read in its entirety. Im a college graduate with a credit score hovering just above XXXX for most of my adult life. Im very responsible with money and have never been in this situation before. I just dont think it should be necessary to bring a lawyer, who specialized in contracts, when buying furniture. Obviously, I would have paid cash for the furniture if I knew this would happen ; the 0 % finance was just attractive. Im guessing many people find themselves in my situation, which in my opinion is a result of deceptive practices. The salesperson told me as long as I made every payment on time, I would never be charged interest. Im embarrassed to say I never read any of the statements, which clearly show the promotional period end date, until today ( XX/XX/21 ). Regardless of the current situation, I think a case could be made Ashley Furniture and Synchrony Bank are engaging in deceptive credit card practices. Especially if others experience the same misleading tactics. 
My second problem with this situation is the lack of communication. I tried all day yesterday ( XX/XX/21 ) to contact Synchrony. I tried by phone ( 4 separate numbers ), via chat ( only a virtual assistant is available ), and by social media ( XXXX and XXXX XXXXXXXX ). Out of 11 calls, I managed to get a human on the phone one time. As soon as I told her I wanted to know about a charge on my account, she disconnected the call. I did not know at the time what the charge was for. In summary, Im trying to communicate with the company, but they are totally and completely unavailable. In fact, one of the phone numbers provided to me was ONLY advertisements for other unrelated credit products ; getting a person on the phone was in no way an option. 
I called XXXX, XXXX, XXXX, and XXXX ( from XXXX credit report ). 
Thank you for any assistance you can provide. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have been going back and forth with Equifax for over 2 months now. I have mailed them my Police Report, my FTC Identity Theft Report and my identifying documents as they requested. I have called and submitted disputes on. XX/XX/20, XX/XX/20 and today XX/XX/20. I was finally able to get some results on XX/XX/20 they deleted 3 of the fraudulent inquiries from my credit report but there are still 8 fraudulent inquiries currently being reported. This is a violation of the Fair Credit Reporting Act Sections 605B, 615 ( F ), 623 ( A ) ( 6 ). I want these inquiries removed immediately this has been completely frustrating dealing with this credit bureau and this has stopped me from getting approved for a mortgage and stopping me and my family from purchasing our home which is unacceptable.
Consumer complaint received 2017-12-11
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. (OR)

I have made several disputes for this same issue. It was resolved temporally but now the same issue is reoccurring. My Child Support payments are automatically deducted from each paycheck and yet it keeps getting reported as a missed or late payment. I have the print out from DOJ 's Child Support payment schedule showing my payments are current as of last week. Why my credit score is dropping and reflects another missed payment that is false. Equifax resolved this twice already and posted my payments as 100 % on time. now its falling back 2 months in a row to 93 %. this is inaccurate and a reoccurring issue.
Consumer complaint received 2017-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To Whom it May Concern : I have recently pulled my TransUnion credit report and noticed that a public record that has been investigated and DELETED by another credit bureau is STILL being reported by TransUnion. I have PROOF that this public record was deleted. XXXX conducted another review of this public information as reported to them through XXXX and this claim was unfounded and therefore removed. Please follow suite and delete this public record for accurate reporting. This public record needs to just be removed in order to show my true credit history. 

XXXX has removed all records associated with Ohio Federal Court - XXXX Docket # XXXX. This public record was reporting the following information from the following report : Ohio Federal Court - XXXX Docket # XXXX I am aware that TransUnion conducted an investigation in XXXX XXXX. I am DEMANDING that another investigation be resubmitted based upon the findings from XXXX. I want this new investigation done so that we can actually VALIDATE this public record as such. DO NOT send another response stating that based on XXXX XXXX 's investigation, that this claim is valid. I want you to investigate this claim as of XXXX XXXX to depict the MOST ACCURATE REPORTING OF THIS PUBLIC RECORD AS VALID. 

Also, let the record show that upon reaching out to XXXX, I was told that bankruptcies are not reported to the credit bureaus and that they do not verify bankruptcies, as per your results from the " investigation '' done in XXXX XXXX. 

Be advised that this is an attempt to correct your records. Any information obtained shall be used for that purpose. Please review the attached information provided. 

Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. 

Thank you for your cooperation, XXXX XXXX
Consumer complaint received 2020-12-09
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: TD BANK US HOLDING COMPANY (CA)

An account was fraudulently opened using my name with TD BANK XXXX and Ive filed a dispute with XXXX  and was not resolved. I do have a police report from the incident. Please investigate and remove negative item from my credit report. Thanks so much
Consumer complaint received 2020-11-01
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: Experian Information Solutions Inc. (NY)

To whom it may concern, My name is XXXX XXXX. There was fraud of some sort back on XX/XX/2020 someone tried to apply for a credit card using my name of some sort with XXXX XXXX. I called XXXX  XXXX and they understood I didn't authorize any new cards with them and was already a member. They had said since it was fraud and not me they would remove the hard pull from my file. It was on all my files that. They removed it on XXXX  report but on XXXX  report it is still there. I have attached pictures to show it was removed from XXXX. XXXX it never came off.
Consumer complaint received 2020-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

My loans were originated in Sallie Mae. As a XXXX, for years I completed documents with my employer a XXXX  for XXXX  XXXX  to cancel my student loans. After nearly cancelling all of them However, Navient acquired the loans and now it appears I owe them {$27000.00} This amount is appearing on my credit report lowering my credit score. I am aware Navient has a lawsuit for misdirecting borrowers and I believe was one of them.
Consumer complaint received 2021-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

In XXXX i met with a neighborhood dentist XXXX XXXX XXXX to get an estimate on doing some work on my teeth. the estimate was for quite a bit of money as it involved some implant work. XXXX XXXX 's office proceeded to assist me in applying for XXXX for which i was approved. I didnt want to make such a rash decision on such a big investment and wanted to search for additional estimates through different dentists. I never returned XXXX XXXX XXXX 's office until i received my first XXXX statement which indicated XXXX XXXX XXXX had been paid for work he had not done. I went around in circles with both the dentist 's office and XXXX and assumed it had been taken care of. 

Fast forward to XX/XX/XXXX, i received first a XXXX for XXXX and then a few days later a XXXX for that XXXX. 

There are numerous errors within this case that need to be further investigated and rectified. 

XXXX disbursed funds to the dentist whom had not even performed the procedure. 
The dentist accepted funds for work he never performed and the funds should have been returned to XXXX. 
I was never served with paper in XXXX and therefore had no knowledge of what was happening. There was no service of process. 

It is unfair and unjustifiable that i now have a judgment against me and am still missing teeth since i have yet to haev the work on my teeth done. 

Upon learning of the judgment, i reached out to all parties involved including XXXX, XXXX XXXX and Midland Credit Management. I havent heard back from the dentist and have been unable to resolve anything with XXXX. 

I have attached numerous x-rays of my mouth along with my dental exam reflecting all my missing teeth that have yet to be replaced.
Consumer complaint received 2021-04-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

CHARGE IS TRANSACTIONAL USURY INTEREST ON INTEREST [ EUITY LOAN WITH WELLS FARGO ACCT XXXX XX/XX/XXXX BY AN XXXX XXXX XXXX SEE # XXXX ON XX/XX/XXXX NEEDED MORE INFO?
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

THE ACCOUNTS DISPUTED DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME, I AM NOT LIABLE TO THOSE LATE PAYMENT ENTRIES. THOSE LATE PAYMENT ENTRIES ARE INACCURATELY PLACED ON MY REPORT. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE LATE ENTRIES PURGED OFF MY CREDIT FILE. THOSE LATE HAS BEEN CAUSING HARM TO MY FILE WHICH I WAS UNAWARE OF.
Consumer complaint received 2020-08-31
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: Experian Information Solutions Inc. (NC)

I have sent in proof multiple times proving I do not nor have not lived at the XXXX XXXX address associated with this account. This account has been removed then placed back only my credit multiple times and I would like to see it removed permanently with the ability to be added back removed as well. There is an address and derogatory closed account attached to this complaint that I would like resolved.
Consumer complaint received 2020-06-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters began reporting on my Credit Report a collection they claim to be from " XXXX XXXX XXXX '' about which I have no knowledge whatsoever. I have sent them Validation Requests in three Direct Mailings. I even included a copy of the XXXX FTC Opinion letter in my most recent mailing in hopes they would comply with Federal Regulations and either provide Validation or DELETE from reporting. I should also note they have ELECTRONICALLY VALIDATED this debt with each Reporting Agency. That is important because as you can see from their only letter of response to me. They have neither Investigated or Validated this debt. And even after lying to the Credit Report Agencies they once again just this month again listed this account as in collection and verified even though stating in writing to me that they would need more time to investigate, validate and report to me. This is very serious and in my opinion illegal and obviously unethical. This is the ONLY collection account appearing on my Credit Report and is doing me great damage to my otherwise stellar Credit Reporting.
Consumer complaint received 2023-01-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I never authorized for my credit to be run and causing me so much inquires on my credit file.Please delete the inquiries as they are hurting me from becoming a home owner.
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.A.Rogers, Inc. (MA)

In late XXXX my checking account with XXXX XXXX XXXX was closed because of unpaid overdraft fee. The final debt was sent to R.A. Rogers , Inc for a total of {$100.00}. I received a letter on XX/XX/XXXX from R.A. Rogers itemizing the debt and stating that " Your check dated up to 30 days in advance will be accepted as payment in full ''. On XX/XX/XXXX I submitted the full payment plus a {$6.00} processing fee through their online portal for a total of {$110.00}. I followed up with the company on the following week and they informed me they had no record of my payment and no record of sending me that letter, and that the real amount owed to them was over {$160.00}. I faxed them my records, including the receipt and a copy of the letter they sent on XX/XX/XXXX. They continued to dispute the letter, and are claiming the extra {$50.00} is " their fee for handling the debt ''. I've disputed this with the credit agency as well but the company refuses to remove it.
Consumer complaint received 2020-09-01
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$140.00} DPT EDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2400.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$3300.00}