davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OH)

On XXXX while attempting to purchase multiple orders of food for a business summit, I found my card suddenly began denying all charges. Upon calling Synchrony Bank at XXXX, provided on the Synchrony Bank website. The first agent I spoke with said they needed to verify some information, text me a code and we should be good to go. The call concluded by the agent telling me my card was ready to be used. 

I attempted to use the card again to make the purchases and again was denied. I called back in and spoke to a 2nd agent, XXXX ( female ) and the tone changed significantly. She advised me that she needed to transfer me to another agent to solve the issue. Upon transfer, the 3rd agent informed me that I needed to take a picture of myself and then my license via a website to unlock my account. When asked why, he failed to provide any adequate explanation and didn't seem to care at all about the hassle or poor customer service. 

To date, my card is still locked and I can not unlock it. This process established by Synchrony Bank is abhorrent, disrespectful and not in alignment with strong customer service. Furthermore, I have no idea who in the business will be getting a picture of me and my license but I have a serious problem with sending this to a company without any knowledge of how my data will be used. 

Synchrony is currently acting in an unprofessional, insecure and potentially damaging way and by doing so is currently holding my card in a locked state and refusing to unlock it until I provide this information, even though I validated all other information and codes with the first two agents. 

I do not condone the use of coercion but apparently Synchrony bank feels it is appropriate to do so. This is a disgusting business practice that has completely broken all trust that I have with them. While I do appreciate a business looking out for their customers in terms of preventing fraud, I absolutely and vehemently do not agree with the process established here and refuse to provide my PII through an app with no assurances of where it will go and the security protocols employed.
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

I used my credit card and the purchase of just under {$5000.00} resulted in a drop of over twenty points. This amount was then paid off during the next billing cycle, but my credit report has never been credited properly. 

This is not the first time these pseudo governmental agencies have really lagged behind in keeping the information current. They are always quick to lower the credit rating but very slow to report that the debt has been paid off.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

This is my 2nd complaint to cfpb please see case # XXXX my disputing still not resolved yet ( over 10 monthes ) and Discover card already added to my credit report " CHARGED OFF '' this is too threatening, That is not fair to me who suffering with id theft with multiple fraudulent charges disputing.

today i called them again and went police dept i will mail again police  investigation report and XXXX XXXX  closed docu. 
plese consider one more time my case this discover card company made my life so hard on top on this quarantine tine Thank you " cfpb ''.

As a normal, ordinary consumer, cfpb is the only one i could rely on Thank you again
Consumer complaint received 2021-10-30
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: DriveTime (DC)

XXXX XXXX, XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


HI, I have contacted the two of the credit bureaus about the posted companies. I am not familiar and I do not own a vehicle at all, nor have I made any inquiries. I've been a victim of 2 major company breaches and one other with my email and telephone number. I am in tears not just because I am seeing this again, the credit score companies are not listening and my credit score went down by almost 100 points! This is so upsetting. I have reported the two again today, being a third time. When I checked my records, I now see ( will continue, unspecified )?
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have an account showing on my credit files from XXXX XXXX ( Account number listed : XXXX ) I have never had an account with XXXX XXXX. This is a fraudulent account opened by someone using my identification. 

The loan shows that it was opened in XXXX of 2018 and no payments were ever made on it. 

I have disputed this with all three bureaus and it remains on my account. I have contacted XXXX XXXX for their dispute process. They agreed to send me information to start a fraud investigation. I have not received it.
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

First I would like to say I am an heir to this property. as well as the executive of the estate. My late brother XXXX XXXX passed in XX/XX/2019. I have been making the mortgage payments through my bank account. Mr. Cooper, who brought my loan gave me a really hard time and would not discuss anything concerning the mortgage. I have on numerous occasions fax them information on who I am and my interest in the property. Finally, in XXXX they acknowledge that I was the successor and offered me a XXXX deferment. I explained to them I was to shelter in place due to my age and pre-existing health challenges and was unable to continue working at my part-time job driving for uber eats. 
What they did as I near the end of my deferment was unacceptable they told me a young lady by the name of XXXX that the 3 payments would be put on the back of the loan. She said on XX/XX/XXXX I would make my regular payments. Then about 1 week before my payment was due ( XXXX ) I called them and they informed me that the underwriting dept denied my claim. They never sent a letter to inform me.of this What they sent was a modification letter. I feel they should get their facts straight and quit treating me with so much disrespect. I struggled to send them the 3 months of forbearance plus the current payment for XXXX they are not honest people at all..
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have requested Equifax, XXXX, and XXXX  update my credit reports. So far they have not. I need each bureau to update my account per my attachments. This information can be verified with XXXX XXXX XXXX XXXX who has also verified that no bureau has contracted them about my disputes.
Consumer complaint received 2020-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I am a XXXX  on XXXX. A buyer won an auction in XXXX and was delivered exactly what was promised. A month after product was delivered, she made a claim in XXXX  claiming the items arrived damaged. I fought this claim as it was untrue and XXXX closed the claim in my favor. The buyer was unsatisfied with this result and then opened a claim with Paypal for the same reason. I let them know that this was already handled by XXXX and that they determined that the items were undamaged and the case was closed in my favor. I heard nothing back from Paypal for over a month until the product was returned to me unannounced and they forced a refund from my account. I was never informed that they needed more information or that they had instructed the buyer to send the product back. I now have a negative balance in my account that they expect me to pay for an unauthorized return that should have never occurred. The timing of the sale had a lot to do with the price the buyer paid, so their attitude that I can just sell it again and make my money back is an insult.
Consumer complaint received 2020-06-05
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (MS)

On XX/XX/2020 I sent a letter via certified mail to Carter-Young, Inc requesting validation of the debt they say I owe. I still have not received the information that I requested from this company. This debt still appears on my credit file as a negative account. It is causing many disruptions in my life, including finding a home.
Consumer complaint received 2019-10-04
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: EQUIFAX, INC. (LA)

I have been sending dispute letters to Equifax for the last six months and I haven't received any response to my challenges. I have been consistently sending disputes about some items on my credit report and there just not taking the time to investigate anything at all. From XX/XX/2019 until now XX/XX/2019, I have yet to receive any document from Equifax, almost seems like they're throwing my letters away. There has been zero response, I will attach my last five letters sent to Equifax to this complaint.
Consumer complaint received 2021-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (OH)

Prior to this being placed on my credit report I received no prior notification which places them in violation of FCRA and FDCPA laws respectively. 

The debt has not been validated. 
I have mailed the following letters directly to ERC for validation- 1st request for validation letter mailed XX/XX/2021 I received no response. 
Second debt validation letter was mailed XXXX Again I received no response. 

Im requesting this account be removed from all credit Bureaus immediately. 

Thanks for your time and attention to this matter.
Consumer complaint received 2020-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (AL)

I borrowed less than XXXX thirty years ago, and I have paid in over XXXX over the years. This is more than double what I borrowed and they say I still owe over XXXX and are not eligible for forgiveness eventhough I worked over 10 years for XXXX full time. I did not ask for my federal loan to be assigned to Sallie Mae or Navient. I also did not receive the covid deferment as in the stimulus package and the president 's executive order.
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (CA)

1 ) Received A " Committment Letter '' for refinance of existing mortgage from Ditechz XXXX Loans on XXXX 2 ) Committment Letter contained the foillowing terms : a ) Discount points/Origination credits : 0.3750 % b ) Commitment Expiration Date XXXX 3 ) On or around XXXX XXXX XXXX, a Ditech representative who acted as my loan processor and provide me instructions on the paperwork flow and signing instructions sent an : Adversary Letter via email saying my loan was denied because I did not meet the conditions. 


4 ) On or around XXXX XXXX XXXX, Ditech manager called me via phone and after hearing my complaint against XXXX XXXX, stated she was in need of additional training, the Adversary Letter would be withdrawn and I would be assigned a new loan processor. 

5 ) A new loan processor was never assigned to me or contacted me from XXXX up until today XXXX. 

6 ) Numerous attempts to reach Ditech about my loan documents via email to XXXX XXXX, XXXX who is listed as the contact person for my loan has been unresponsive. 

Ditech Mortgage Loan contact phone rings constantly with no pick up and when their is a pickup, the line goes straight to busy signature.

7 ) On XXXX discovered on-line at Ditech XXXX there was several closing documents to complete my financing waiting for my signature on XXXX, XXXX, XXXX, and XXXX. 

Each document penalize me for not signing the documents by increasing the points from its XXXX XXXX 0.3750 % to a ) XXXX - 1.850 % b ) XXXX - 0.975 % c ) XXXX - 2.150 %
Consumer complaint received 2021-07-08
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)

not mine : FCRA violations : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX name 1 late payment {$430.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card Usage : 86 % Balance on XX/XX/XXXX Credit Limit {$430.00} {$500.00} Account Info Reference Number XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Chapter XXXX bankruptcy dismissed Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2020-09-21
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: CBC Companies, Inc. (PA)

After reviewing my latest credit report, it is filled with a bunch of fraudulent accounts. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : ASCENDIUM EDUCATION # 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 2020-09-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

This was a long time ago but I just read that what they did may be illegal. I disputed a small charge on a jc penny charge because it was paid in person but not credited to me. I had late payments on my report because I was under the impression I was paid in full. The bank SYNCB cancelledmy Penny 's charge in retaliation for disputing that charge. To further punish me they closed my Amazon credit card even though I never made a late payment. What a poor business practice and such a poor way to handle that situation. This happened in XX/XX/2019 but I'm still experiencing the adverse effects of having the card closed by that seemingly disreputable bank. The action taken was clearly meant to punish me. I'm curious to know if the employee who did that to me still has a job there
Consumer complaint received 2019-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (WA)

Chase bank has offer for sign up for XXXX a service and get XXXX $ cash back. XX/XX/2019, we signed up for the cash back offer and we also signed up for XXXX home security. Chase said they couldnt honor it because of how the payment was ran. So we ended up making another payment on XX/XX/2019 even though we were paid for XXXX into XX/XX/2019. 15 business days from then would be when I should expect money deposited into my checking account for the promotion. At this point, I have been calling for over two weeks and have still not been honored the promotional money. Two cases have been filed ( the second one prolonged things by 2-3 business days ), and despite what the Chase customer Service Representatives tell me, I still have not been called until this week. A lady from this mysterious Online Products Department called me during my work hours and I missed the two calls but i immediately called her back. I have left several repeat messages. yesterday I spoke with a manager in the customer service department who offered another case be filed and that I would get a call back today which is XX/XX/XXXX ... I declined because opening a case seems to prolong things. Chase Bank has still not honored the promotion and no one can tell me anything. According to Chase customer service representatives, the department that deals with online promotions doesnt take incoming calls.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

myEquifax loging is broken. 

Getting. " We are temporarily unable to complete this request. ". 

Tried calling customer care they told me to remove cookies. I tried noting seems to work. 

I'm unable to freeze my credit report.
Consumer complaint received 2020-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (RI)

Hi XXXX/ERC ; I'm not quite sure what happened! Why am i seeing XXXX back on my credit from a different debt collector? It was reported on my credit before by XXXX XXXX XXXX and i opened a claim against them and XXXX and it then deleted. Now i'm looking at my credit i see newly opened date for the XXXX   for last month! Isn't this the same as before? What is the actual open date then? Why was it placed on my credit report without my knowledge? 

Again, I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the  original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent  such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please  provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2019-08-02
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. (NC)

I have a car loan through XXXX XXXX XXXX XXXX. 

They are reporting XXXX, XXXX and XX/XX/2019 payments as being late. 

I have reached out to them with proof of payment but still no change. 

I have conducted multiple disputes with Experian ( credit reporting ) with NO update or change. 

This is preventing me from obtaining a home loan and I need assistance getting this information updated.