davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

Dear CFPB, This is no longer a goodwill attempt. XXXX XXXX keep on violating my consumer laws by reporting this account to my credit. THEY CONTINUE TO UPDATE AND VERIFY THIS UNFAIR AND INACCURATELY REPORTING ACCOUNT. I am writing to formally dispute an account reported by XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant federal statutes, I am requesting verification of this debt as stipulated under 15 U.S.C. 1692g, specifically regarding the requirements necessary for collections to exist. Ive already listed the methods of verification my last two disputes.

Under 15 U.S.C. 1692g, a debt collector is mandated to provide verification of the debt upon request. Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforces that all necessary documentation must be provided to substantiate the claim. Furthermore, the requirement set forth in Rule 1002 specifies that an original account must be produced to validate the debt in question.
Consumer complaint received 2023-01-25
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

I used CareCredit/Synchrony Bank to pay for XXXX  work. This was the last of a series of " purchases ''. The " purchase '' originated on XX/XX/XXXX, the terms were 0 % interest for 18 months, due XX/XX/XXXX. This account was on automatic payment. For the last 12 months, I was paying {$300.00} per month a method I had in place to make sure I never missed a payment. 
In the first week of XX/XX/XXXX, I XXXX XXXX, as well as the rest of my XXXX. We were all very fortunate with recovery. 
On XX/XX/XXXX, I realized that I missed the promotional expiration date of XX/XX/XXXX. I immediately called for a balance and made the payoff balance that day. I explained to customer service the situation with my health and the health of my family and asked for an extension of the promotion in order to waive the huge 26.99 % fee that was assessed. I explained my focus was only on our health and I knew they were getting the payments and didn't have the mindset for anything else. 
CareCredit/Synchrony Bank did not offer me a thing, they continued to charge me interest. I realize they are heartless and business is business and every man is for himself during this pandemic that has affected the entire world and economy. The biggest issue outstanding after countless correspondences and telephone calls is the explanation of the deferred interest charges of {$1800.00} on a balance of {$4100.00} on XX/XX/XXXX when the original charge was only {$3600.00}. The charges continued to accrue at the rate of 26.99 % on that pattern. I paid all the charges once I realized they were not addressing the question and explaining how the calculations were figured while they continued to charge my account. The latest claim is they are referring my concerns to corporate. They continue to deflect and not address their math equation.
Consumer complaint received 2022-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (MO)

Resurgent is a collection company trying to collect XXXX from original creditor XXXX XXXX XXXX XXXX  dated XXXX XXXX, current owner is LVNV Funding LLC The debt was 21 years ago the statutes of limitations have run out. Suddenly Resurgent has decided to harass me for the money. Calling me and sending me collection letters. Please make them stop. They have no right. 
Thank you
Consumer complaint received 2020-10-09
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: EQUIFAX, INC. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2020-10-09
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: EQUIFAX, INC. (GA)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

SHOP YOUR WAY CITI MASTERCARD. 

I was charged 2 fraudulent transactions from gas station on XX/XX/2020 ref # XXXX {$180.00} XXXX XXXX XXXX XXXX ref # XXXX {$280.00} XXXX XXXX XXXX XXXX disputed the charges right away,,, now is over 3 months and credit card company still denying to issue my credit.
Consumer complaint received 2023-08-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

7. Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

8. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX  XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

9. Please correct/update this inaccurate information on my credit report. 
XXXX XXXX  XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2020-11-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: STERLING JEWELERS, INC. (MD)

Fraudulent law office threatened a law suit and wage garnishment for credit card debt. The law group called themselves XXXX XXXX XXXX. The transaction that collected the payment shows as XXXX XXXX, XXXX. They reportedly called as the debt collection agency for XXXX XXXX.
Consumer complaint received 2020-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

citibank closed my checking giving no reason called repeatedly said i had to wait for a letter there is almost {$18000.00} in the account action started XX/XX/2020 was told letter wont be issued till XXXX XXXX and then will get letter and take it from there no fraud no problems
Consumer complaint received 2020-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MA)

This letter is sent in response to collection that was placed on my account and that has inaccurate information. I am requesting that you provide verification of this debt. As I have proves that this account was settled with the previous collection agency and then sold to you and if I believe that is against the law. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent and a written explanation why it was sold to you from XXXX collection agency. What you provided in the previous dispute was just a bill which doesnt prove anything. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
By law you are required to provide me with all the information requested if you can not do so you will have to delete this from my credit history. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

PENNYMAC did an intentionally poor job explaining the COVID partial lien. Their message plays on repeat as the first thing you hear when calling in. It is pushed on consumers with no training given to the workers and no guidelines in place on what information to share with the consumer about what it is. The program is explained so intentionally poorly that I believed it to be lender based not government assistance. I took the help for 6-7 months while having my hours reduced, incurring childcare expense due to the pandemic issues, and while receiving uncertain and lower child support. When I was confident the situation was resolved, I called in to resume payments and was told I needed my ex-husband to sign loan paperwork. Not that it was simply tacked on to the end like I was told. Had I been explained anything instead of talked to like it was casual assistance from PENNYMAC, I would have had a $ XXXXmonth problem. Instead I sat with a {$7000.00} problem. For some reason and after doomsday level dramatic begging, my ex signed. I lodged a complaint internally with PENNYMAC and moved on. Shortly after, I started the assumption process. Turned in all the paperwork but it was denied because I had needed the partial lien. I was told to make some payments on time and try again. So I did and asked again. And it was denied because of the partial lien. Now I'm told I have to pay off the {$7100.00} in full to assume the mortgage which I now have 4.5 months ( per divorce decree ) to come up with. Single mom. XXXX kids. Had I been told with the first request for assumption, I may have had a chance to save but they waited until the last opportunity. Presented with " help '' from PENNYMAC because it benefited PENNYMAC but left me and my kids with a {$7000.00} problem. I can't assume it. I can't streamline finance it ( and if I could, it would be a massively larger payment because of the interest ). A refinance is not free and I'm not sure I'd even qualify. And again the interest would be insane ( while the partial lien is at 0 % interest ). This was " help '' to PENNYMAC for which PENNYMAC acted like the provider of for good PR and to get the government money themselves. They took advantage of my family and at a minimum did a phenomenally awful job that put my family in a desperate situation.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

To whom it may concern : I purchased a XXXX Laptop computer and software package on or about XXXX XX/XX/2020 with a XXXX Representative, XXXX XXXX. Because of the Long wait in receiving this Product, I cancelled the order approximately a week later. XXXX however mailed this referenced item anyway and I physically received it about XXXX XX/XX/2020 and subsequently returned the Laptop to XXXX approximately a week later. 

XXXX notified me via email ( s ) and phone conversations that they received back Order XXXX on XXXX XX/XX/2020 and that they-XXXX notified Chase/Visa of my Return and XXXX XXXX Authorization to Refund-Credit back to my Chase Freedom Credit Card for the XXXX XXXX XXXX XXXX and XXXX XXXX cent transaction, this referenced Laptop.XXXX is Purposely Delaying and Stalling Crediting my Chase Freedom Account for the {$750.00}. 

After returning from a trip out the country from XXXX XX/XX/2020, I communicated with Chase about resolution to this Transaction/Claim ID : XXXX and was notified that they/Chase closed this Claim. Within a couple weeks, I requested that this Claim be properly reopened and resolved. 

I'd sent an Email Voucher Document from XXXX to Chase showing that XXXX received their Product Months ago and had authorized Credit for {$750.00} back towards my Chase Freedom Credit Card!! I would appreciate Swift, Final, Correct Resolution ( Credit of {$750.00} to my account ) of this Claim. Thank you.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (CT)

Attempted to obtain SECURED credit card to establish credit. 
Applied for card which requires {$300.00} deposit to obtain card. 

I was declined the card because : " Your debt to income ratio exceeds established maximum guidelines ''. 

With a SECURED card my income to my understanding should not come into this at all. 

I have student loans which are in deferment and HAD an outstanding cable bill of {$110.00} which I resolved XXXX 2020. 

I called the company ELAN FINANCIAL SERVS. asking for reconsideration and was refused. The individual I spoke with would not clarify why I was refused. 

The letter I received from them dated, XXXX/XXXX/2020 has a reference # XXXX.
Consumer complaint received 2021-07-07
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: JPMORGAN CHASE & CO. (NC)

I have been seeing promotions on social media ( Chase verified account on XXXX on XXXX ). The promotion is a special sign-up for 6 miles for every {$1.00} of United Airlines purchase, and 5 miles for every {$1.00} travel and gas stations purchase. The sign up deadline is XX/XX/2021. I tried signing up as it was a social media targeted content and even until now I am still seeing it show up. Every time I tried to sign up, it kept saying that I am not eligible - despite the only requirement it lists is that this promotion is good for United/Chase Explorer Card ( which I have and have been using for several years ). So I decided to call the call center ( Chase ) to try to sign up over the phone. The customer representatives told me that I am simply ineligible. There is no remedy, no solution, nothing. When I asked why some accounts are discriminated against ( I saw that some people online also couldn't sign up, yet they also saw the targeted marketing ) - they could not elaborate or disclose anything. When I asked what criteria they use to discriminate who gets the promotion and who does not, they couldn't say anything. Finally, I tried again to ask why I am not eligible despite having the right credit card and also being targeted online for this promotion, they did not have the answer. It seems that the criteria is unclear and this discriminatory practice is shady at best, or perhaps even corrupt as who knows maybe the criteria is based on favoritism? nepotism?
Consumer complaint received 2022-09-12
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account 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 : XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$360000.00}.
Consumer complaint received 2020-11-14
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. (IL)

My checking account has been compromised 2 times. the first time the bank refunded some but not all of the charges. I was forced to eat about XXXX dollars in charges I never authorized from XXXX. the other day someone charged XXXX dollars in airline tickets while i was working. I was hung up on with chase and I've been transferred dozen of time. I want my funds back in my account and I want my funds to remain safe. I want the original as well as the new amount refunded.
Consumer complaint received 2020-11-14
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (CT)

I am XXXX XXXX. My car is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Chase auto finance wrongfuly repossessed it in XX/XX/XXXX not in XX/XX/XXXX. They only see my XXXX payment. I was paying even when chase branches was closed due to covid-19. I paid {$600.00} in XXXX {$1000.00} in total on XX/XX/XXXX in a chase branch when chase branches was closing due to XXXX. Chase sent me a letter saying I don't have to pay during the six month grace period but I paid anyway. I have all the proof of payments. They refused to reboot the whole system.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

All of my credit card balances have been XXXX since XXXX XXXX XXXX and XXXX  have reflected this Equifax still has a derogatory and negative credit rating. The score is over a 100 points lower than the other credit reports. This is preventing me from getting a mortgage and a car. When I called the creditors directly they said they have reported the updated status of my credit balances to Equifax. It is now XXXX in Equifax still has not updated XXXX report even though it says the date of XX/XX/XXXX.