davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OH)

While digging in to some budget issues, ( After a long hospital stay ), I realized I was being double charged for yearly membership fees, along with a app., I never ordered through the Amazon store card which is Synchrony Bank. I paid on time being a loyal customer for years, not realizing I was being ripped off. Amazon Prime  refunded the fees. I was able to retrieve by check. Synchrony, however, has played cat and mouse, since XX/XX/2019, throwing the blame. They have stated they do owe me for many months, but come up with an excuse every time. The statements I ordered were to be sent within 14 days, which I've never received. 

Now they claim they need another 30 days, acting like the amount refunded by Amazon Prime should be enough, and I'm just a dummy. It's not even Prime 's  responsibility. Synchrony will not take the responsibility when they are who charged me, and Prime had no idea, until I was able to link this account to them. I will never do any business with Synchrony ever again. That's my money and I could use it now that I'm XXXX. The principle of this and for the way I've been treated, infuriates me. I plan on taking action in any way, shape or form to receive what's mine, and for the simple fact of Synchrony doing the right thing. I feel very taken advantage of with this situation.
Consumer complaint received 2020-07-20
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. (AZ)

XXXX XXXX  and Experian continue to report false information in regard to two accounts. They have been placed on notice that these are not my accounts. The lenders in both cases have been unable to provide documentation other than varying claims that the accounts were opened online or opened over the phone No signature cards, electronic or otherwise have ever been provided. 

XXXX XXXX is of course notorious for opening phony accounts and I have never even heard of XXXXXXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX BOX XXXX XXXX, NY XXXX
Consumer complaint received 2022-07-18
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report. I'm done with the process. I already sent letters to Bureaus to inform this issue on XX/XX/XXXX. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX I sent this letter to the Feds : Hello : I need your help with my very small business banking. On XX/XX/20 I paid a {$30.00} fee to Chase Bank to keep any more payments going to the credit card ending in XXXX which belonged to a former employee. The employee did not have authorized access to the account. Only I do. I closed the account and opened a new Chase acct after the breach. 

On XX/XX/20 the former employee accessed the account online and removed {$5000.00}. It was not authorized by me and I reported it to Chase. I have not yet been reimbursed. Twice Chase has said they would pay it in 5 days. One of the excuses was that they tried to reimburse it to the closed acct. That was over two weeks ago. 
My Chase branch is XXXX XXXX XXXX, XXXX, NJ. 

Can you help me? 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX 3 days later Chase restored the funds. On XX/XX/XXXX they once again removed the funds. No explanation. It means i can't make payroll. Please help me! 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

My SSN was used without my knowledge and/or consent to illegally purchase a car. I notified the sales manager of the car lot, along with the bank. 
Let them know my identity was compromised. Was advised someone would contact me, which did not happen. Now the bank is negatively impacting my credit score.
Consumer complaint received 2019-04-09
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: Experian Information Solutions Inc. (IL)

There are repeated disputes sent to Experian concerning XXXX of XXXX and XXXX accounts. There is also an open bbb complaint that has not been responded to as well. I received a generic mail response on today stating I need to state why I believe information is inaccurate or incomplete. My bbb complaint, as well as all of the other disputes clearly state that the reason for the dispute is the information on these accounts is being partially reported containing unknown data and does not list a complete and accurate history of the account and if 100 % complete history could not be verified to delete the accounts. The portions of the account history is being listed as unknown which was stated in every dispute however Experian refuses to correct the data and provide known data for the unknown portion of the account to bring the accounts to 100 % accuracy. There were a total of 11 accounts. 2 of which were deleted having been disputed for the same reason. However there is a constant run around concerning the remaining 9 accounts with the same problem. The method of their verification was requested. They refuse to provide information on whom they spoke to and the method that was used to verify the data and correct this unknown data information ( which obviously isnt verified because a portion of the all of these accounts is still listed as unknown ) and how they went about verifying the data so that I can follow up with the exact individual of whom provided them with this information. Also all unauthorized inquires were requested to be removed. The only authorized inquiries would be from XXXX XXXX, XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. Supporting documents contAining my signature authorizing such inquiries is requested that gives them a right to report such inquiries. They were also requested to remove incorrect address information. I live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX. Any other address listed is incorrect. A total of 8 disputes were sent via mail and online and a bbb complaint has been submitted dating back to XX/XX/19 up until now. Also I am only disputing XXXX XXXX XXXX and all XXXX accounts however disputes are being opened by Experian for things that I have not requested Re-investigation for. Reporting accounts in an incomplete form is against FCRA and unknown account information must be corrected. The reason for dispute has been stated several times, However either they do not respond to letters or they ask for information to be provided which they have already been made aware of in the dispute.
Consumer complaint received 2021-02-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (MD)

This communication is a response to the closed status of CFPB Case no. XXXX. I filed my original complaint subsequent to CFPB 's notice in XXXX regarding XXXX student loans and fraudulent lending practices. I wanted to go on record regarding my experience with Discover. Discover responded to my CFPB complaint in a letter dated XXXX XXXX, XXXX that contained numerous false claims. I was not offered the option on the CFPB website to respond, and during a phone call to CFPB today, I was informed that my only recourse now is legal counsel. 

Please add to my record of this case that Discover responded to my complaint with additional fraudulent claims and misrepresentations. I am not going to seek legal counsel as I am facing health issues which require my full attention currently. I do feel that CFPB should have seen this case to a final resolution instead of further allowing this predatory lender to continue its unethical practices and victimizing vulnerable borrowers. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard from these companies.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX  XXXX XXXX reported account # XXXX to a Credit Reporting Agency without my knowledge or permission.

In accordance with the Fair Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : DEPARTMENT OF LABOR XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-03-19
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (VA)

This complaint follows two previous complaints XXXX and XXXX. 
Please incorporate those complaints into this complaint. The company AAG continues its practice of false statements to appease complaints file against AAG. 

See my attachments below for more detail.
Consumer complaint received 2022-09-17
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)

For a long time, I have been disputing my Credit file requesting that the Credit Bureaus correct the information being reported by the erroneous accounts on my Credit File. I have also been sanding dispute letters addressed to the Credit Bureaus and the most recent letter I sent was dated XX/XX/2022, highlighting the accounts that are reporting erroneous information on my Credit File. I have been disputing my Credit File for a long time and it is clear that the Credit Bureaus are ignoring my requests. Under the Fair Credit Reporting Act Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX 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 2020-07-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (PA)

To Whom it may concern : I was erroneously charged unallowable property preservation and Mortgage Servicing fees. My family and I were a victim of a horrific fire and understood that all fees were resolved with the insurance claim and the most recent payment of {$330.00} which was included in a statement from XXXX. 
We have been consistently harassed with an erroneous debt. In an effort to prevent further XXXX episodes, we began making payments. However making these payments are detrimental to my health, as it is a constant reminder of our horrific experience. 
I have appealed these fees in the amount of {$2900.00} with the new services Carrington Mortgage. We've been waiting on the appeal decision for over a month now. They have started charging new monthly payments for XXXX and XXXX. We just want this cleared. 

My mortgage was sold to Carrington in 2020. This is our loan number : XXXX. XXXX provided me with the final principal balance including all fees. That balance was {$330.00} which satisfied. After my loan was sold to Carrington, I was informed that I now owe {$2900.00}. Carrington also incorrectly applied my escrow credit to these fees. I want reimbursement & resolution. 

Sincerely, Mr. XXXX
Consumer complaint received 2020-05-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

I checked my credit report and noticed accounts on my credit that did not belong to or authorized by me. I quickly contacted police where they did a police report and provided me a copy. I then sent in that report as requested by the credit bureau along with other verifying information such as drivers license, utility bill and a copy of my social security card.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : DEPARTMENT OF LABOR XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

As of XXXX of XXXX, my student loans, around {$69000.00}, were transferred from XXXX to XXXX but my credit report has not been updated to show that I no longer owe XXXX. The student loans are being reported twice on my credit report showing open student loan balances with both XXXX and XXXX, which is negatively impacting my debt-to-income ratio, three credit scores, and my overall report. I have reached out to XXXX twice to get this matter resolved and I also sent them physical copies of all three of my credit reports to show the inaccurate balance that is showing up. I also called them via phone in XXXX of XXXX  and filed a complaint with them to get this matter cleared up. However, the accounts have not been updated to show a {$0.00} balance and closed account on the XXXX student loans. In fact, those loans are still showing up as open with the original balances.
Consumer complaint received 2021-02-22
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: EQUIFAX, INC. (IL)

I reached out to XXXX XXXX, XXXX  and Equifax buy phone and by mail more then three times, informing them they are reporting information that do not belong to me. The accounts listed using different names, different social Security numbers, different addresses. They have not taken the proper measures to correct the mixup.
Consumer complaint received 2019-05-20
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: Experian Information Solutions Inc. (NJ)

Please remove these inquiries XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

Also I need to update my tuition assistance bill I paid XXXX but its not on the report. I will attach all information I already have a XXXX XXXX card i didn't apply for a 2nd one and the others I have no clue. Im looking for a mortgage but these are not mortages. Please dont add a fraud alert it doesnt help anyway. I need to get a mortgage so I dont want a fraud alert. Please I dont know whats going on. Please remove these 4 inquiries and update my tution assistance balance to XXXX
Consumer complaint received 2019-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CT)

I applied for a american express blue cash preferred mid XX/XX/2019, with a 12 month intro 0 % apr and a welcome bonus of XXXX dollars if I spent XXXX in three months. For background I have had 3 cards with amex including this. The first was a JetBlue cards around 4l5 years ago that was closed by amex when they ended their partnership. The second is a blue cash everyday card opened a couple years ago. The third is the card I am complaining about. 

In regards to the welcome bonus terms, I spent the XXXX amount within the first month and thought I would get the bonus, calling later XXXX to confirm and a case was opened. I was told I would recieve a call back within 30 days with information about the completed investigation. That call never came in. I called again today and was told the offer was declined and they would not give me a reason. I have never recieved a bonus, this is my first time with this product or applying for a card with this bonus. 

Second issue, today I noticed an interest charge on my statement and called to see why considering the intro apr. The representative said that i was denied because apparently the everyday card I have with them is the same product and I had used the intro apr promo on that card a few years ago. Nowhere on the application was I told this. Very deceptive considering the intro apr and welcome bonus was both denied. I concluded with paying off the card and will not use it again till this is resolved. Depending on the resolution I will cancel. I have been a amex customer for many years with exceptional payment history, not one late payment on any of my cards or hitting limits.