davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found multiple entries that are inaccurate and not reflective of my credit history. Please see the following items that require your immediate attention : XXXX XXXX Account Number : XXXX I have no recollection of ever having an account with XXXX XXXX XXXX As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXX Account Number : XXXX I have no recollection of ever having an account with XXXX As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXXXXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

I would appreciate if you could investigate these items and take the necessary steps to remove them from my credit report as soon as possible. I trust that you will handle this matter promptly and professionally. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-07-27
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NJ)

I opened a TJX account and in XX/XX/XXXX the account was sold to Synchrony Bank, at which time the account number was changed and a new card was issued. I began receiving statements under the new account number. In XX/XX/XXXX my husband paid off the balance on the account. I received a statement that said there was a balance of roughly {$150.00} remaining which I paid {$120.00} from my XXXX XXXX XXXX bill pay account. This account still reflected the old account number and somehow reactivated that old account. Instead of crediting the {$120.00} to the new account number the old account was debited {$120.00} and I began receiving statements claiming I owed {$120.00} and that the balance was past due. Although I know this was a mistake, I attempted to make payment so that my credit would not be ruined until I could get the issue resolved. The payments were returned to me stating that " no such account existed ''. I spoke to Synchrony Bank on multiple occasions and they assured me that they had rectified the problem and that I did not owe them an monies and that the account balances would reflect that. I last checked both accounts on XX/XX/XXXX and the old account reflects a balance of {$2.00} and the current account reflects a balance of {$120.00}. I have not made any purchases on this card since it has been paid off. They can not justify the charge of {$120.00}. I am seeking resolution in this matter before harm is done to my credit score. Please help.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2022 I noticed two fraudulent XXXX withdrawals on my Bank of America account for {$3500.00} and {$1000.00} on XX/XX/2022. I called BOFA XXXX fraud department and reported the crime. 

I told them I have no idea how the criminals accessed my account. Perhaps, phone or fishing attacks. BOFA never provided me with any claim number or any way to provide further info. After 10 days they closed the claim and denied fraud by saying I have authorized the transactions through text. I did not. I have no " proof '' as I was the victim of a crime. 

They have provided me no help. Under Regulation E BOFA is required to protect me from crime and fraud. 

Please help me get BOFA to do their job.
Consumer complaint received 2020-09-10
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. (FL)

Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX XXXX, and TransUnion are reporting accounts that are not mine and are allowing these collection agencies report false information.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (CO)

Attempted to obtain report from Experian through AnnualCreditReport.com and received an error message directing me to experian.com or to call Experian consumer services. Attempted to PAY for my report through Experian.com and received the same error message. 
After speaking to consumer services they stated that they can not verify my identity ( even though I have provided 100 % legally factual information ). Phone rep for consumer services says there is no way to obtain my credit report.
Consumer complaint received 2016-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc. (LA)

I am being contacted by a collection company. I was at home when the call came in today. I answered. They told me who they are and they are trying to collect a debt for over {$3000.00}. They say I took out a loan with XXXX something, I ca n't remember what the XXXX word was. I have never taken a loan out with this company. 

I asked if it could have been through someone else years ago and the contract was bought out. The original caller said I do n't know and transferred me to legal. I again told her that I had never taken a loan out with that company. What company did they buy the contract from. She started telling me they have something from XXXX XXXX?. I said that 's not what I 'm asking. I want to know who I owe. I 'm not just going to send you money. I asked her if they have anything with my signature on it. She started telling me I owe XXXX XXXX. Again, I asked her do you have anything with my signature on it? 

Her response, " Go to court! '' and then she hung up. I 'm not sure what I 'm supposed to be going to court for.
Consumer complaint received 2016-12-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I did not have any account from XXXX., but the Portfolio Recovery Associates , LLC tried to collect a debt from me. 
I think someone used my name to open account in XXXX that I never lived there.
Consumer complaint received 2015-10-19
Product: Prepaid card — ID prepaid card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (OH)

Rush Card/ XXXX XXXX on XXXX XXXX, 2015 there was a service up that same day the update was completed and service was supposed to be normal. On Wednesday XXXX XXXX, 2015 my employer send my direct deposit in the amount of {$500.00}. These funds are to be available the following day, but this was not the case. From the recording when you call something happened with the update and funds would be available on your regular pay day which is Friday. Rush card offers 2 day early direct deposit is one of the reason I have been with them so long. Today is XXXX XXXX, 2015 and I still have no funds and according to them they have idea when I will have my funds which is unacceptable. Others I know are having the same problem. All I want is my money so that I can close my card out and be done with this company. Since this update no one has been available to anser questions and the line keeps hanging up.
Consumer complaint received 2015-10-28
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (NC)

I am unable to access my funds on my Rushcard. My balance went from {$700.00} to {$8.00} in one day and I didnt use any of the money. Now I ca n't get in contact with anyone with answers and my lights have been disconnected. Can someone please help me.
Consumer complaint received 2017-03-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (TX)

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/2015 Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me.
Consumer complaint received 2023-03-19
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. (AR)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the negative information listed on my credit report. The following items are incorrect and require your immediate attention : Personal information- XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

Personal information- XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

Personal information - XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

XXXX XXXX - Account Number : XXXX - I have never paid this account late. Your reporting is completely inaccurate and it is negatively affecting my credit. Please update this account and delete the inaccurate information immediately. 

XXXX XXXX - Account Number : XXXX - Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX XXXX Account Number : XXXX - I can not recognize this business. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

XXXX  XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX  XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - I can not recognize this business. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

I request that you investigate and correct these inaccuracies as soon as possible. Please send me a written confirmation of the actions you take in response to this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-04-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Genesis Lending (FL)

I have attended XXXX, XXXX University, XXXX and XXXX colleges since XX/XX/XXXX. I graduated in XX/XX/XXXX with a XXXX 's degree in XXXX XXXX. However, initially I was told through financial aid that i was not able to take more than XXXX XXXX because I did not qualify. After 7 long and tedious years, they told me i could have paid an extra {$500.00} a XXXX and taken XXXX classes instead of XXXX. With this new information, I complained to financial aid and my student coordinator ( which by the way this time i had already gone through about XXXX ). During this time I accrued not only an overwhelming amount of Federal loans because of these predatory practices however, I also had to take out private Genesis lending fans because federal loans covered nothing. Now here I am graduated, with XXXX Genesis loans that equal to about {$1400.00} in monthly payments alone!!! The only job offer I have received is a job that pays {$10.00} an hour from the state which obviously is a no brainer because there is no way to cover these loans on {$10.00} an hour. Please tell me what recourse is available to help me get out of this drowning debt.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Spring Oaks Capital, LLC (FL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2016-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2016-03-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I called TransUnion at XXXX to put a fraud alert on my social security number after it was released by my employer to the wrong employee. TransUnion had me provide all information into the phone and than provided me with the address of XXXX. The recording told me to send my personal information, social security card, and another form of identification, such as my drivers license. However no other information was provided, therefore I have no idea what I am supposed to send requesting to place a fraud alert on my account, no form or anything. The recording only said send my social security card to this address. I am in a great amount of frustration over the whole process and just want to place a fraud alert on my account to XXXX and TransUnion. How can I get this done?
Consumer complaint received 2019-02-22
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

Your company refuses to take accountability for the errors in your online system as well as your customer service reps and for that reason my credit has suffered tremendously. I got into a wreck and totaled my car on XX/XX/2018. My insurance paid off the account in XX/XX/XXXX, there was a minuscule balance showing on the account for {$5.00} for the next 2 months and I called to verify this was correct and get the account resolved. I was told a different amount ( {$64.00} ) not showing on the online account and they mentioned taking it from my account, I agreed to have it taken out, upon logging in to your online system I noticed the same balance of {$5.00} and 2 weeks later after not seeing it being taken out, I called and they told me there was a late payment of {$64.00}. I never would have known about this balance if it wasn't for my due diligence. I never received an email notification, letter, phone call, NOTHING about the remaining balance. My only reference was the online account, which clearly showed a balance of {$5.00}. I wrote a letter disputing this as I was never, ever late on a payment, even paying early at times on the account for the past 3 years. This error has caused a huge sore on my credit report, I am in the middle of buying my first home and this affects me and hurts me tremendously. I wont be able to purchase my home if this erroneous late payment is not removed. I called your customer service line and was told there was nothing they could do, and an " automated letter '' was sent by your credit dispute department ( which has no direct phone line or supervisor to speak directly to ). I am angry, hurt and extremely disappointed in your company for your lack of research and accountability. I was a loyal customer for 3 years and your mistake will cost me my home that me and my XXXX boys worked so hard for.
Consumer complaint received 2016-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX representative mistakenly did a hard pull on my credit report. I contacted XXXX office of the president ( XXXX ) XXXX extension XXXX and XXXX informed me they have requested TransUnion to remove the hard inquiry on XXXX/XXXX/XXXX. 

XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX On XXXX/XXXX/XXXX the hard inquiry was still on my TransUnion credit report. I contacted XXXX and they informed me that the request was sent and the processing time is entirely up to TransUnion. 

On XXXX/XXXX/XXXX, nearly half a year later, the hard inquiry is still on my credit report. TransUnion failed to process the removal request in a timely manner and always pushed me to creditor ( XXXX ) when I contacted TransUnion customer service. The customer service supervisor I spoke to was XXXX.