davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank states on their website at https : //www.mysynchrony.com/servicing.html that customers suffering financial hardship may receive fee adjustments, deferred payments, extending an existing credit card promotion, and reevaluating your credit limits. I contacted them in regards to my care credit. I asked for a deferment due to covid related issues, I missed several days of work/pay. They told me they no longer offer deferred payments. They stated only options I have is if I let my account go delinquent. Once I do that, then call them back. I asked what the options would be. They stated to close out my account and put me on a repayment plan. I told them I wasn't interested in that, I only needed help this month, payment due on XX/XX/XXXX for my XXXX statement. They said the promotion of deferred payments expired in XXXX, yet part of their hardship advertising is extending credit card promotions. Its all false advertising. 

Synchrony bank is falsely advertising financial help for customers, when their only option is to close out your account and put you on a repayment plan. They implied I needed to not pay, go delinquent on an account that's never been delinquent, just so they can help me by closing out my account - which was still not guaranteed acceptance on the repayment plan.
Consumer complaint received 2020-06-28
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. (TN)

XXXX  removed XXXX XXXX XXXX from my credit report with the fraud settlement documentation I received from the courts. But XXXX  and Experian will not remove the charge off. The charge off on my credit report was qualified from the year and state involved in the lawsuit settlement. I have sent them the documents but they refuse to remove XXXX.
Consumer complaint received 2020-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2020-06-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NV)

I was seeking to refinance an existing long term loan following many offers to do so from the company, Mr. Cooper. I had problems with an inadequate appraiser but then it was redone correctly. I was approved easily and loan moved forward then it went to a nameless, faceless underwriter. I sent in more and more paperwork, much of it repeating that sent originally. At every step I had to call on progress as I was not informed as time passed. Finally the underwriter determined that I did not live in the house I live in. He based this on one paycheck going to my rental property. I produced the lease on the rental property. I complained and was told by two persons it could be corrected and it was not. Finally I was told there was nothing could be done. 

The persons involved are XXXX XXXX, XXXX XXXX and XXXX XXXX. I complained politely and worked unceasingly to resolve this matter to no avail over 3 months.. 

Again this is a refi of an existing loan with same company.Now I ahve to start all over with another firm to get away from this company.
Consumer complaint received 2023-03-14
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. (MD)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC (NY)

I received several letters in the mail from JFQ Lending , Inc saying that I qualify for better refinance rates because XXXX XXXX eligibility. 

I did call them. They seem to be a broker that pairs you to lenders. 

They got my information and current loan information. 

They did offer me a slightly better rate about 0.5 % less than what I currently have. But the catch is that closing costs were $ XXXX on a $ XXXX loan. 

Closing costs above 5 % of the value of the loan. 

These people are taking advantage of unsophisticated individuals that are only focused on the mortgage rate and oversee huge closing costs Company name : JFQ Lending XXXX
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched EXPERIAN CREDIT REPORT BY USAA. # XXXX XXXX XXXX XX/XX/XXXX Account Number does Not match. See circled USAA ( *Account XXXX ) Opened XX/XX/XXXX I DID NOT OPEN THIS FRAUDULENT ACCOUNT .See attatched 1099- C USAA CANCELLATION OF DEBT Account ( XXXX ) XX/XX/XXXX never closed. Two New Accounts opened Fraudulently WITHOUT " VERIFICATION '' OR AUTHORIZATION See attatched new account Mastercard Statement ( XXXX XXXX XXXX XXXX ) of XX/XX/XXXX {$100.00} balance. I DID NOT OPEN THIS CREDIT CARD. see attatched CREDIT CARD FRAUD CLAIM claim date XX/XX/XXXX {$470.00} card XXXX UNAUTHORIZED TRANSACTIONS OCCURRED. I DID NOT OPEN THIS CREDIT CARD VISA XXXX. SEE Attatched USAA CREDIT CARD I REFUSED NEVER ACTIVATED ( *Account XXXX ) I DID NOT OPEN THIS CREDITCARD ACCOUNT. 
AGAIN USAA ACCOUNT NUMBERS KEEP CHANGING ( a. XXXX, b. XXXX, c. XXXX, d. XXXX )??? ** KINDLY NOTE FOUR DIFFERENT ACCOUNT NUMBERS. I DID NOT APPLY FOR AUTHORIZE OR OPEN ANY CREDITCARD AFTER XXXX.
Consumer complaint received 2024-10-22
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. (NY)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

EXEPRIAN MADE A MISTAKE ON THIS DATE AND FAILED TO FIX THE INFORMATION. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX LIST GOES ON I ASK EXPERIAN TO SEND ME FACTUAL INFORMATION OR CRETIFIED INFORMATION ABOUT THIS ACCOUNT. 
EXPERIAN NATIONAL CONSUMER ASSISTANCE XXXX XXXX    XXXX XXXX TX XXXX The account number XXXX XXXX XXXXXXXX I NEED THIS ACCOUNT DELETED FROM MY CREDIT REPORT TODAY NOW! THE ONE FACT I DO KNOW IS ALL CREDITS REPORTS TO ALL THREE CREDIT BUREAUS. THIS ACCOUNT DOESNT SHOW UP ON XXXX OR XXXX  AT ALL IT WAS DELETED AND  REMOVE BACK ON XX/XX/XXXX ON XXXX  WASNT ABLE TO VERIFY KNOW OF THE INFORMATION THAT WAS PROVIDE BY THE CREDIT CARD COMPANY IT WAS INCORRECT. XXXX  REMOVE IT FROM MY ACCOUNT ON XX/XX/XXXX THE ACCOUNT WASNT MINES AND THE FILE WAS INCORRECT ON ALL LEVELS. 
I ASK EXPERIAN ON XX/XX/XXXX SEND ME SOME FACTUAL INFORMATION LIKE A TRUE AMOUNT THAT I OWE OR AMOUNT THAT THE REAL COMPANY HAVE ACECSS TO. THE LADY NAME MS. XXXX TOLD ON XX/XX/XXXX AROUND XXXX THAT WAS NOT A LIBERTY TO DISCUSS MY EXPERIAN CREDIT FILE WITH ME SINCE MY NAME WAS SPELLED WRONG AND I SEND THEM A CREDIT PROFILE UPDATE 5 TIMES XX/XX/XXXX AND XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX THEY LOST ALL MY INFORMATION DELIBERATELY.

WHEN A COMPANY KNOWS A CUSOMERS IS CORRECT AND HAVE ALL THEIR FACTS IN ORDER, EXPERIAN ALWAYS WILL COPY AND PASTE THE SAME REPSONES OVER AND OVER AGAIN ( THAT IS THERE STALL TACTIS THAT EXPERIAN USE FOR THE LAST 15 YEARS AND MORE TO COME THIS IS THE ONLY INFORMATION SHOULD SHOW ON MY CREDIT REPORT IF THEY FORGOT
I WILL SEND ANOTHER DRIVER LICENSE / SOCIAL SECURITY CARD COLOR PRINT
Consumer complaint received 2024-10-16
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. (NV)

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. 

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 and 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 2024-10-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I am reaching out to formally dispute the inclusion of a bankruptcy on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this bankruptcy should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the bankruptcy still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Consumer complaint received 2020-06-27
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: Experian Information Solutions Inc. (LA)

XXXX2020 - I had noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Experian, XXXX, and XXXX. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these Companies not even yet man. Signature and Attached legible SSc and id as well This insane it has ben over 34 days!!!!
Consumer complaint received 2020-06-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (NY)

In early XXXX, XXXX I returned a phone call from XXXX XXXX, XXXX looking to settle a debt I owe American Express. This was used as a business from business I owed that is now defunct. I made on offer to settle the outstanding balance of XXXX to American Express. After a discussion about what was an acceptable amount, I told the agent at XXXX that I could settle for {$2800.00} ( letter provided ) at the end of XXXX. He stated he would discuss my offer amount with American Express. About 10 days later I received a letter offering to settle for {$2800.00} if paid by XX/XX/2020. The amount was paid on XX/XX/XXXX and acknowledged in the second letter I have provided. I called on XX/XX/XXXX to XXXX as the second letter states that I still owe a balance of {$8900.00}! 
They are now claiming, from my recent phone call, that the amount agreed upon IN WRITING is not enough to settle. Please contact them and have them send me a " Paid in Full '' or settlement letter to close this matter.
Consumer complaint received 2023-02-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Time Title Loans, Inc. (AZ)

I defaulted on the loan initially bc I was out on medical leave from work. The end result was a judgement. They also never updated my address to receive the court notification. Ask XXXX to do so before it ended in litigation. That never happened. It went to court found out through the court because they had my correct address. Call to make arrangements to pay back before garnishment of my wage. My issue is the original loan amount was XXXX on a 6 month term. They sued me for XXXX. Which also includes court filing fees. I was sued for the whole contract amount that included interests at 179 percent. I made payments arrangements with XXXX which I have kept. She sends me a month statement via email. Last one she sent had a balance of XXXX. I made another payment since then of XXXX. I called her to make confirmation the now I owe XXXX and it would be satisfied. She then sent me a email saying I owed XXXX and change. That they are charging me again 180 percent..This is predatory. I will never get this paid off.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX I sent out debt validation letters to EQUIFAX, XXXX, XXXX XXXX and XXXX requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. Equifax, XXXX and XXXX   uses XXXX XXXX to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my XXXX XXXX file has been frozen since XX/XX/XXXX.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

I called Chase Ink Business Preferred 's support line to cancel my account with them on XX/XX/XXXX. The cancellation was successfully completed and the representative read some standard language about destroying the card. Regrettably nothing about transferring points currently on the account. 

I have three other active Chase cards and have been an accountholder since XX/XX/XXXX. When I logged into my account on XX/XX/XXXX, I noticed all XXXX of my rewards points had disappeared. I called Chase and was told that representatives are required to inform cardholders upon cancellation that their points have a 30-day expiry window in the closing account. If I had just transferred my points to one of my other three accounts, I could have kept them. 

While I didn't record the call, I know the expiring rewards were never addressed. I would have stopped everything I was doing to move points worth ~ {$1200.00} ( with the redemption multiplier ) that I earned and had been saving to use for personal travel after the pandemic. I've had plans for 18 months now and those points were going to fund much of the trip. Now I'm left with nothing. 

The Chase reps I spoke with on XX/XX/XXXX said although the rep was at fault for not forewarning me, there's nothing they can do to reinstate my points. It's difficult for me not to feel like I lost {$1200.00} worth of points ( and my ability to afford a vacation ) because someone on their end didn't do their job correctly. These are points that earned and strategically accrued to take a trip with my family. Now they're gone.
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (FL)

I withdrew bitcoin from my XXXX  broker and sent it to Gemini. Gemini received the bitcoin sent from my broker and when they received it they froze my account because they said they suspect suspicious activity from the address the bitcoin was sent from. I created a ticket to resolve the problem. Provided a picture of me holding my state ID with a paper that had the case number written on it as that was requested by them. all of that was done swiftly on the XX/XX/XXXX XXXX it has about 3 weeks of no response from the support of Gemini. I would like my account unfrozen so I can retrieve my money.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB
Consumer complaint received 2020-05-21
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. (TN)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (IL)

I have never opened or authorized an account with XXXX XXXX, and the account currently reported on my Experian credit report is inaccurate. The XXXX XXXX account ( Account XXXX. ending in XXXX ) is listed as Paid, Closed with a balance of {$580.00} written off, with the last status update in XX/XX/year>. I did not open this account, nor have I made any transactions associated with it. I am disputing this account under 15 USC 6802, which ensures my right to privacy and protection against unauthorized sharing of my personal information. This account contains inaccurate information, and I did not authorize the sharing or reporting of this data under the conditions set forth by this law. I request immediate removal of this account as it is in violation of my rights under the Gramm-Leach-Bliley Act and other relevant consumer protection statutes
Consumer complaint received 2024-10-22
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.