davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HOUSTONIAN MORTGAGE GROUP, INC. (WA)

I applied for a VA loan thru K & G Capital Mortgage and the owner XXXX XXXX. After submitting the loan application, XXXX XXXX told us we were pre-approved. After waiting with minimal communication XXXX XXXX us an email saying there will be issues with the loan. I am not upset because the disapproval, I am upset because XXXX XXXX led us on. During the wait time I have depleted my savings account to pay my debt down. Temporary housing and my son will probably not be able to pass his grade due to him missing school. We could not enroll him because we do not have an address. Today after 30 days we are going to be homeless and my son is not enrolled in school yet. I am a XXXX veteran and this is no way to treat a veteran.
Consumer complaint received 2020-08-26
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-08-26
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. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX
Consumer complaint received 2020-08-26
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. (FL)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (TX)

I open a citi account package online in XX/XX/2020, it has both checking and saving accounts. In XX/XX/2020, a free checkbook was mailed to my home address as a new customer welcome bonus. And then I wrote 5 checks to 3 different payees in XXXX and XX/XX/2020, the interesting thing is all those 5 checks returned as the checkbook is not active. After reaching out to citi customer service, they helped me to activate the checkbook so it looks good to me now. But the problem is the payees contacted me to pay extra money to cover the fee charged by their bank for the returned check. I didn't see any note or paper in the mailed checkbook to warn me that the checkbook is not active and it needs a phone call or online action to activate it. There is no such message in my mobile banking or online banking either. Based on my previous experience with other banks, the checkbook doesn't require an activation. So I guess it seems like not my fault and I'm asking citi to pay for the returned check fee.

Here are the details of all the 5 returned checks. 
Check # XXXX was returned on XX/XX/2020, {$13.00} payment and {$38.00} check return fee. 
Due to the business policy, the payee is unable to share the receipt for the check return fee. I sent them check # XXXX {$51.00} to cover their cost. You can see it in my checking account on XX/XX/XXXX. See attached image for check # XXXX. 

Check # XXXX was returned on XX/XX/2020, {$110.00} payment and {$12.00} check return fee. 
Check # XXXX was returned on XX/XX/2020, {$50.00} payment and {$12.00} check return fee. 
Check # XXXX was returned on XX/XX/2020, {$100.00} payment and {$12.00} check return fee. 
These 3 checks were paid to the same payee. They're unable to provide the receipt for the check return fee and I paid them {$36.00} cash to cover their cost as they were told by their bank that a {$12.00} check return fee was charged per check over the phone. See attached image for check return notice from payee 's bank. 

check # XXXX was returned on XX/XX/2020, {$170.00} payment and {$10.00} check return fee. 
See attached image for {$10.00} check return fee receipt.
Consumer complaint received 2020-09-16
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. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I have had several disputed transactions from the same individual, a XXXX lender and PayPal has blocked my access to my account making it impossible to dispute the transactions. Over the course of several months I have sent information and details regarding this person, showing how every loan he gave had been paid back. I now have lost over XXXX points on my FICO score because the first two chargebacks in XXXX were paid without my knowledge ( I had changed my email account, but they somehow reversed it and sent the first notice to an inaccessable account ). The chargebacks were submitted as " merchandise not recieved '' and I asked Paypal to get the invoice info to me, knowing that there were no invoices. These were NOT valid chargebacks, but I was told on the phone that the cc companies issuing the chargebacks took precidence and that they had to refund money even if it was not owed. A manager told me that she saw and agreed that I had been scammed, but it wasn't Paypals problem as they just transfer money between two parties. Under the Paypal agreement, when they blocked my access to my account preventing me from disputing them, and then paid these chargebacks because I didn't " dispute them '' ( which, again, I couldn't access my account to dispute them ), they broke their contractual promise to me. XXXX chargebacks have been filed, and a collection agency is now contacting me regarding the first XXXX for a total of {$810.00}. Paypal says they have no responsibility to prevent fraud such as this. I believe they have breached their fiduciary responsibility to me and to others in allowing one person with ( apparently multiple charge cards ) to file repeated chargebacks, all of which occurred ( so far ) between XX/XX/XXXX and XX/XX/XXXX, starting the week the first stimulus payments were being sent out. Further, when they acknowledged that they recognized this as a scam, they should have acted to stop the flow of monies to the scammer. I am not allowed his information without filing a subpoena, which means I have to pay an attorney. I am on a fixed income, and I am even on food stamps. I can not pay an attorney. Please help me resolve this.
Consumer complaint received 2022-08-24
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. (MN)

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  DEPT OF EDUCATIONXXXX Account # XXXX has violated my rights. 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
Consumer complaint received 2020-08-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

National Credit Systems, INC-Debt Collection Agency Current Creditor ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} I read a letter that was dated XX/XX/2020 from National Credit Systems , Inc stating that I owed the Current Creditor the balance above, the letter was an attempt to collect a debt. The letter stated in bold letters of my rights to notify National Credit Systems in writing within 30 days of receiving the notice my dispute of the validity of the above debt and that National Credit Systems , Inc would obtain verification of the debt or obtain a copy of a judgement and mail a copy of such judgement or verification ... .. and that the office would provide the name and address of the original creditor. 

On XX/XX/2020 the day I received the letter, I wrote and mailed first class a letter to National Credit Systems , Inc. disputing the validity of the debt, I stated that I do not owe for a carpet replacement in the amount of {$1400.00} and that all that I believe I owe the apartments was around {$55.00} dollars for a light bill. I stated that I have a video of the apartment when I moved out that shows that the carpet and apartment was left clean and in good condition. On XXXX XXXX I read another letter from XXXX XXXX XXXX XXXX XXXX stating that I did not make suitable arrangements to resolve the above-referenced debt and that they would soon report the account to one or more of the consumer reporting agencies and still requested a payment from me. On XX/XX/2020 the day I received another letter from National Credit Systems , INC, I immediately called and spoke with the Collection Representative named XXXX XXXX @ XXXX @ XXXX, I told her that the apartments and charges are in dispute, I told her that I have video proof that I do not owe to replace the whole carpet and that all I owe is a water bill that's around {$55.00}, she said ok and she would note the account. Today. XX/XX/2020 I received an alert from XXXX stating that I have a MAJOR DEROGATORY DEBT FROM National Credit Systems that was reported on XX/XX/2020 and opened for 3-months..XX/XX/XXXX.which instantly dropped my credit. So, I called XXXX XXXX and spoke with her, I told her I never received any type of documentation from them regarding the validity of the charges or debt nor did I receive a copy of the judgement in which the letter stated I would in bold. XXXX XXXX was shocked and at a lost of words, she read her notes and saw my dispute letter, she also saw an email from XXXX XXXX on XXXX XXXX where all they provided was a copy of the lease and not walk-thru information or any validity of the debt according to XXXX XXXX. National Credit Systems violated my rights and never provided the proper documentation to prove the disputed debt, instead they looked over my dispute and added the debt to my credit reports.
Consumer complaint received 2020-08-26
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 (MD)

On XX/XX/XXXX, I received a notification/alert from XXXX credit monitoring service that a new line of credit was placed on my XXXX, XXXX and XXXX credit reports. 

The line of credit was reported by Synchrony Bank PayPal, who apparently purchase credit account back XX/XX/XXXX, and decided to report an account and claim the account was opened back in XXXX, and tried to claim Synchrony Bank had reported the account as far back as XXXX. 

I immediately disputed this account with all three credit bureaus as fraudulent and not belong to me and asked for investigation and immediately removal. To date all three credit bureaus had refused to dispute or investigate the fraudulent account. 

I reached out directly to Synchrony Bank and explained I did not open a line of credit with PayPal and requested to dispute this account as fraudulent and explained this purchased account was inaccurately listed as a line of credit. 

Synchrony Bank is refusing to allow the dispute told the consumer due to the fact the account was opened in XXXX, and payment were made the consumer could not dispute the account which is direct violation of the FCRA. 

PayPal fraudulent opened out a line of credit then years later sold the accounts to Synchrony Bank who is now holding the consumer responsible for their bad investments and denying the consumer the right to dispute fraudulent inaccurate information/account activity. 

Synchrony Bank has quietly obtained several credit card accounts and now is the card holder for at least ( 4 ) credit card accounts where the consumer did not apply or consent to Synchrony Bank acquiring account which should be illegal. 

Therefore, I am requesting an investigation into this practice of one bank assuming total control over consumer lines of credit without their consent and requesting the CFBP enact or enforce laws and provide consumer protection from this abusive practice. 

In addition, I am requesting an investigation into Synchrony Bank dispute practices which placed roadblock resolving disputes in a timely manner effectively tying up the consumer line of credit and making the consumers to wait ( 60 ) sixty to ( 90 ) days before resolution. 

I want this line of credit immediately removed from all three credit reports and want the CFBP to hold all three credit bureaus accountable for refusing to allow the consumer to dispute fraudulent accounts, investigate disputed accounts and facilitating this abusive practice of bank buying fraudulent accounts.
Consumer complaint received 2020-08-26
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-26
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. (NY)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a loan approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any response about my complaints. I don't understand what is really happening? Please help U S DEPT OF ED/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 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (IL)

Thre major Credit reporting companies XXXX, XXXX XXXX and XXXX reports Fico number on me between XXXX to XXXX and here is a compny call SageStream LLC scoring my name and my credit at XXXX as of XX/XX/2020. 
I was trying to cosign for a frien with good credit to get a car loan at a better rate of interst because I thought that my score been higher will help, is matter of fact at did the day that day we sign the contract the car dealer gave us the worst case % that will be charging. 
then on XX/XX/2020 I get a letter indicating that they regret to infor me that they can't agreed to the terms first writen in the contract beacae of the score I got from Sage Stream. When I try to contact them they don't have anybody I can ask about my score only if I give Lots of personal information to them, I was worn by XXXX XXXX not to share such information.
Consumer complaint received 2020-08-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STATE FARM BANK, FSB (MA)

I have a loan with STATE FARM BANK , F.S.B . I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and STATE FARM BANK, F.S.B with no successful resolution. XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XXXX ), also I was never 60 days late ( XXXX ), moreover I was never 90 days late ( XXXX ), lastly I was never 120 days late ( XXXX, XXXX, XXXX, XXXX, XXXX )