davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-19
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. (OH)

I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with 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, this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment this is not accurate please delete. I have never been late on my PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! 
Information belongs to someone else PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see is in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Consumer complaint received 2020-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60-90 ) days past due on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-06-30
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: BARCLAYS BANK DELAWARE (IL)

Hi There, I did an XXXX XXXX flight on XX/XX/XXXX and received a flyer with an offer to apply for a XXXX XXXX XXXX managed by Barclays offering {$0.00} annual fee for the first year plus XXXX miles. 

I did the application online on XX/XX/XXXX and used the code stated in the flyer ( XXXX ). 

They approved me but I noted few days later that I was charged an annual fee of {$99.00}. 

I called their customer service many times asking why did they make that. They said that the promo was valid only if I had done the application in flight and that as I have done it online, the code was not applied. 

I reinforced that the flyer does say on the back cover that I could be doing the application online ( Apply in flight today or visit XXXX ) and sent it by email ( XX/XX/XXXX ) so they could see and validate it. Over a month later they said that they would not revise it, that the promo was not valid online. 

I'm sad to learn that Barclay 's does not honor their advertisement and wish you could make them honor it. 

Tks in advance, XXXX XXXX
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 okay we got scammed for {$150.00} from a person who was supposedly renting in home through XXXX  we found out this person is a scammer we send them {$150.00} for application fee he accepted the money when I got to speak to him to ask him that I need it paperwork to send it to the section XXXX so they could finish the process he asked me for {$1400.00} which at that moment I told him that I was not able to send him any more money until I get paperwork he hung up the phone on me that's when I knew something was wrong I reported it immediately I tried calling him back the phone was disconnected then my son tried calling him he picked up and he also tried to scam my son not knowing that that was my son he tried to also offer the same house and try for my son to send {$150.00} also I have all the information and I have proof and documentation of us trying to ask the man to give us our money back and he's declining to send our money back I reported it to the FTC and now I'm reporting it to you guys I reported it to Chase and Chase does not want to give our money back can someone please help us we need our money back I am going to the police department to make a police report also my phone number is XXXX my email is XXXX XXXX
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (TN)

I mailed a certified letter with return signature required to LexisNexis on XX/XX/2020 asking them for the method of Verification concerning the bankruptcy they listed on my file. I did not receive an answer and called them 15 days later and was told they were re investigating the public record. I told them I wanted their method of verification since they had been reporting this on my credit report on different agencies. I finally got their reply today XXXX XX/XX/2020 ) which does not state their method of verification nor any details on their investigation. They are not providing the basic information I have asked for not once but 3 times ( that is why I sent the certified letter ). I am tired of getting the run around.The FCRA states I have the right to the method of verification and yet they continue to deny that to me. I am enclosing all of the documents as proof of my statement.
Consumer complaint received 2020-07-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Lendmark Financial Services (CA)

I have a loan with lendmark finance, this company does tile loans etc etc. Now when I took out the loan there was no hassles they even tried to come to my hse. Long story short my husband at the time was working in XXXX. Unfortunately we were a few pmnts behind. This ppl had their employees follow him and they repo my car while I was in the store it needed a flat bed to be towed which they didnt use and it caused the alignment and transfer case to get damaged and now the truck wont shift gears. We tried calling their offices and tried corporate we dnt know what else to do please help us also they refinance our acc w out our consent. And I know they did because at one point I worked for them and thats how they do it and they they say its ok we will get customer to sign later. So they find accounts that can be refinanced they refi and then later tell customers to come in and sign and say oh we can help you, you dnt have to make the next 2 pmnts all you have to do is come in and sign this form.
Consumer complaint received 2022-02-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NY)

Following up on CFPD complaint # XXXX. Synchronys activity since the filing of that complaint has been even more problematic. 

They took the arbitrary number of {$1700.00} off of the balance. That leaves the new number at {$6800.00}. I purchased the {$9500.00} 24-month no-interest installment plan on 1/25/2021, therefore now that were over half-way through those 24 months, the balance is supposed to be below {$4700.00} at this point, not above. 

The company said in their response Further, your Card Security was canceled on XX/XX/XXXX. Clearly not the case. Look on the first page of the attached PDF : They charged for Card Security on XX/XX/XXXX. With the same phone number that this page https : XXXX revealed is a scam based in XXXX issue Synchrony neglected to address the first time I reported it. 
The Account Details ( page 4 of attached PDF ) has two red flags : Total Fees Charged YTD - $ XXXX have I ever done that warranted even a penny in fees, let alone 15 % of the loan amount? Total Interest Charged YTD - $ XXXX entered into an explicitly interest-free loan. 

Before submitting my previous complaint to CFPD, I notified XXXX XXXX about my concerns. After the CFPD complaint was submitted, XXXX XXXX investigation concluded that Synchrony is a scamsee page 7 of attached PDF. This is not to be taken lightly by the CFPD. XXXX XXXX protected my safety by issuing a stop payment. I told Synchrony the fact that XXXX XXXX will not allow me to transfer money to them after the conclusion of the investigation, therefore Synchrony needs to communicate with XXXX XXXX about it and not with me. Despite being informed of this, XXXX has harassed me with a constant stream of phone calls, emails, and paper letters. Not just coming from one place, but some from XXXX UT, some from XXXX TX, some from XXXX FL, some from XXXX XXXX FL, some from XXXX CT, and some from XXXX PA, despite this page https : //www.bankbranchlocator.com/synchrony-bank/ stating The bank does not have any offices outside Utah. Appears that theyve put debt collectors on the case to intimidate me, despite having informed them that this is out of my control. They also lowered my credit line right after I filed a complaint with CFPD, presumably as retaliation.
Consumer complaint received 2022-02-07
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: ACIMA CREDIT, LLC (TX)

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I am a natural living and breathing person ; consumer by the name of XXXX XXXX XXXX. I am submitting this information with my own free will and I am not being coerced by any third party or agency. As of XX/XX/2022 I reviewed my consumer report and noticed that you are in violation of my rights by committing fraud, reporting that I owe an alleged debt that I have no knowledge of. I hereby refuse this alleged debt. Pursuant to the Fair Debt Collection Practices, 15 USC 1692g, I am requesting a DEBT VALIDATION. I demand documentary evidence which shows that I legally owe you an alleged debt. 
I am also aware that you are violating my rights Pursuant to the Fair Credit Reporting Act,15 USC 1681b ( a ) ( 2 ) to be exact, I do not know who you are and I never gave you the authority to report any items to my consumer report.
Consumer complaint received 2019-05-09
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MN)

Dear XXXX Im writing to file a complaint I have been disputing CITI BANK ACCOUNTS I have been disputing this account with you since XX/XX/XXXX XX/XX/XXXX I need to Know how is these 3 accounts reporting on my credit file per the FCRA 623 AND FDCPA B state that the creditor MUST MUIST enter a noticed of dispute. IF THIS IS NOT ENTERED THE ACCOUNT CAN NOT I REPEAT CAN NOT REPORT ON THE CREDIT REPORT this has been since XX/XX/XXXX Please delete these THREE Accounts ASAP XXXX XXXX XXXX
Consumer complaint received 2019-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MA)

I had a vehicle loan that I opened back in XXXX with Wells Fargo Dealer Services. My mother cosigned the loan for me as I had recently gotten divorced and was rebuilding my credit. I never had any particular issues during my time with Wells Fargo, and refinanced the loan in XXXX with my credit union. 

Around late XX/XX/XXXX, I was changing jobs, and had been using the bank near my employer at the time. I called Wells Fargo to notify them of the change to my bank information, and scheduled a payment over the phone. I didn't think anything of it until the payment didn't process as it should have. Once I found out, I logged into the system and made a manual payment, but according to them, it was 1 day late. They never reported this payment as late on either my credit report, or my mother 's. 

My issue and reason for this complaints stems from late winter of XXXX. I am in the process of applying for a home mortgage loan. I had a subsequent auto loan in XXXX with Wells Fargo, where I was the sole borrower, which I had refinanced in mid XXXX, also with my credit union. As of XX/XX/XXXX, Wells Fargo was still reporting it as an open account status, despite the account having been paid off for well over a year and a half, so I disputed it with the credit bureaus. Sometime after mid XX/XX/XXXX, Wells Fargo suddenly started reporting a late payment for XX/XX/XXXX on my joint auto loan ; however, the 30 day delinquency for that month was ONLY being reported on my credit report, and not my cosigner. 

I have tried to address this with Wells Fargo several times, and they have refused to adjust the notation, despite the fact that this is the ONLY delinquency notated on my entire credit file, for ANY account over the past 7 years, nevermind the fact that I have had another account in good standing with them since then, and have proof of the reporting status of the account in question.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (MD)

I tried to use the advertised return benefit protection on my card for a purchase made on XX/XX/2020. Its an absolute pain to start a claim with WF because they're website and claim forms are all directing to different phone numbers with terrible customer support and missing key information eg. where to send documentation for a claim. 

I received an email after submitting the claim from XXXX XXXX  @ XXXX XXXX ( apparently two separate benefit providers for the same WF XXXX card protection ... thats 4 different companies involved for one benefit ) and was told to call a phone number for instructions. After over 2hrs and 10+ phone calls being bounced around by offshore customer service reps, I got disconnected for the last time and gave up. This is a terrible experience trying to send in the item that I opened the claim for. The last rep said " my contract had expired '' ... what contract? I submitted a claim ... I dont have any contract. I was then sent over to a contract team where I was promptly hung up on.
Consumer complaint received 2020-05-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

on XX/XX/XXXX I reached out to inquire about forbearance. I received a letter of XX/XX/XXXX letting me know I was approved for forbearance but it was never requested. 

they also added a negative remark on my credit report lowering it by 20+ points This is bad practice since it was never requested and it impacted me negatively I'm looking to refinance my loan and I was told since it was in forbearance I could not!
Consumer complaint received 2019-05-07
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. (NV)

-XX/XX/2019Unauthorized credit card payment of {$7800.00} issued from my XXXX XXXX XXXX account to XXXX XXXX as below. 
Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/19Payment Amount : {$7800.00} Payee Routing Number : XXXX Payee Bank Account Number : XXXX - XX/XX/2019Unauthorized credit card payment of {$2300.00} issued from my XXXX  XXXX XXXX account to XXXXXXXX XXXX Credit Card as below. 
Electronic File Trace Number : XXXX Remit Account Number : XXXX Payment Date : XX/XX/19Payment Amount : {$2300.00} Payee Routing Number : XXXX Payee Bank Account Number : XXXX
Consumer complaint received 2020-07-19
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC. (CT)

I've contacted the collection agency called Caine & Weiner, after I viewed my credit report and saw an account in collections reporting which I'm not aware of this debt at all. 

I called the at number ( XXXX ) XXXX Asked for more information on this matter. 
In the phone call, I try to reach a settlement if by any chance the debt can be verified that it is mine, I explain because of Covid can't make a payment in Full of {$250.00} which is reported as owed. 

I request for a smaller amount to be paid in order to settle this account, they start to get very disrespectful, with attitudes and why am I not being responsible for this debt, I repeatedly mention Covid affected my job, and the guy continuously said that wasn't a good enough answer, a lot of people call and pay their owed accounts in Full why can't I be responsible. ( in a very mean inconsiderate way I was being treated all through this phone call ) I feel offended. 

How can you treat someone like this in these unprecedented times. I felt humiliated.
Consumer complaint received 2021-03-25
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. (OH)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days letter I have not gotten a response. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be removed promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress this has caused me. My information WAS also impacted by the Equifax DATA BREACH and may have got in the hands of the wrong person.
Consumer complaint received 2020-11-30
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. (NY)

I noticed that this company has been reporting inaccurate items on my credit report that are negatively impacting me. I reached out to these companies over 60 days ago and still haven't gotten my issues resolved nor have I even got a response. I attached the letters and documentation to verify my identity for confirmation
Consumer complaint received 2020-07-19
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}, {$36000.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX XXXX CARD SER with ACCT # XXXX opened on XX/XX/2018 with a balance of {$11000.00} -This is not my account. 


-- XXXX ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {$36000.00} -This is not my account.