davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

syncb/ppc Showed up on my credit report as a delinquent account. 

I called their ( synchrony bank ) fraud department trying to figure out what it was, they mentioned it was opened with a XXXX  email account and mentioned several purchases that were unknown to me. We both agreed that was not my account. Then months later i get a letter saying they denied my fraud claim because someone ( not me ) made payments on the account at some point and somehow i benefited from the fraudulent purchases? 

After i got this letter i called immediately and was told to ignore that letter.. 

60 days later the fraudulent account shows back on my credit report. 

I called immediately and they re-opened the case without giving me any other details other than the account was owned by XXXX XXXX  ( never heard of them ) and they have received tons of calls about the same issue. 

I filed a dispute with expiran credit agency and may open a police report soon. This is identity theft and blatant fraud by the bank pinning this account to my name.
Consumer complaint received 2020-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (FL)

EOS CCA aka Collecto Inc, of XXXX XXXX XXXX XXXX, MA XXXX has illegally re-aged a debt that has been defaulted on and reported on my credit report ( by their own admission ) since XX/XX/2017. EOS CCA has illegally re-aged this debt on two separate occasions. Which on both separate occasions my credit score has decreased significantly. 
I have also contacted XXXX  for a copy of my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency. 

Thank You
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Victim and current residing in XXXX, FL. Im currently fighting homelessness, and in dire need of some type of assistance with removing negative items from banking institutions from my credit report and civil cases of unknown and unauthorized reports on my National Civil Court public record. Im suffering and imposed with financial pressure, I have a blemish credit history 3 eviction reports due to XXXX and was created by my XXXX without my consent and knowledge.
Consumer complaint received 2020-01-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Pinnacle Financial Group, Inc. (NC)

My name is XXXX I purchase my car threw XXXX XXXX last year then another company took over pinnacle financial group its  showing up on my credit as two loans on my credit I have been having financial problems I called pinnacle they threatened harrss me on my job
Consumer complaint received 2020-01-22
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. (FL)

I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I never had this accounts, i believe, that somebody applied on my name.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

A medical bill that my insurance company took care of is still appearing on my credit report as a collection account when I initially made my doctor visit the lady at the front desk assured me that their facility was indeed in my insurance network she took my insurance and sent me to se the doctor six months later I recieved a bill to cover the charges I then reached out to my insurance and the problem was rectified. Now the debt was sold to a collection company who is now reporting this information damaging my credit and ruining my financial life.
Consumer complaint received 2020-02-16
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. (MA)

There are 5 credit inquiries on my credit report that I did not authorized, these companies do not have permissible purpose from me. The inquiries are as follow, XXXX  - Inquiry Date ( XXXX ) XXXX XXXX XXXX - Inquiry Date ( XXXX ) XXXX Inquiry Date ( XXXX ) FACTUAL DATA - Inquiry Date ( XXXX ) XXXX XXXX - Inquiry Date ( XXXX ) Delete these inquiries immediately as there is no permissible purpose and by law there has to be permissible purpose in order for a creditor to run my credit. If the credit bureau claims that permissible purpose isnt required, then they are breaking the law and also not obeying the FCRA, I would like to see any documents that the credit bureau has or that it might get a hold of regarding these inquiries, that my signature is on, and that proves that these inquiries were authorized by my person.
Consumer complaint received 2019-07-25
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: CORELOGIC INC (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report I recently discovered serious fraud and related activities on my credit report over the week.I am in the process of contacting the police and FTC. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX my SS XXXX my DOB XXXX. I am self employed the following addresses are Not mine XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NY)

Conflicting fraud Investigations and lies from their investigators. Credit report correction. 
Since I found this random credit card account describe as SYNB/PPC on my credit report, I did some research to find out what exactly was the origin of this account. I come to find out that this is a PayPal Credit Card that was supposedly open in XXXX. The account has no balances or anything. However, the issue here is I never once sign any documents or given my information for a credit card for a paypal credit card. I immediately informed the credit bureaus that this was fraud. After Synchrony bank completed their investigation. They sent my a letter XX/XX/XXXX that informed me that they would be closing this account and removing this from the credit bureaus. Ill attach this letter with this post. Everything seems to be going well with the credit bureaus flagging the SYNCB/PPC account as fraud and removing it. However, a few days letter I get another mail that says that they are unable to approve my claim because I accepted responsibility for the charges???? Never have I once signed or spoke with anyone where I stated that I accepted this account. Just more lies from this bank. Second they stated that I failed to cooperate with their investigation which is another lie since they never reached out to me or anything. I called them on more than one occasion and they informed me that the investigation is on going and they will give me an update. Lastly, which XXXX me off the most, the letter stated I knowingly released the account information which is again not true since I have no idea what the account number for this fraudulent account. To their credit, they did closed this account which is a good thing. However, at this point they need to follow through on their original conclusion to this claim since they have no proof or any documentation that I opened this account. This has become frustrating and I will consider contacting a lawyer if this is not resolved.
Consumer complaint received 2020-01-22
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. (AZ)

This is a progressive problem : It is getting more and more difficult to redeem " points '' on my Chase credit card. 

The latest iteration, which occurred today, required me to go round and round with the website. 

I just wanted to get the " rewards '' posted to my card, but the site kept trying to divert me to other places ( " XXXX, '' etc. ). 

The default targets for " rewards '' should be either the card account, or a check for cash back. 

The new Chase website makes it extremely difficult, time-consuming and frustrating to redeem these so-called " rewards ''. 

I could attribute this to sheer incompetence, but I fear that it is deliberate on the part of Chase to confuse cardholders and divert their rightfully-earned rewards into other " programs '' that they neither want no need, and that it might be difficult or impossible to claw back their rewards. 

Redeeming points used to be a simple, straightforward procedure, by which a customer could simply access the available rewards amount, click on redeem, and the proceeds would be credited to ones account. 

Enforcement action against Chase is required to remedy this situation of their making.
Consumer complaint received 2020-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

PHEAA 's recent explanation to a closed complaint is extremely untruthful. I can show screenshots of the status of the Credit Report to substantiate my claims. PHEAA should be extremely careful when attempting to be overly confident with what it assumes is the truth. Basically, the information that they claim where they found nothing wrong with the Credit Reporting of at least 1 of the loans is without a doubt incredibly inaccurate. 

XXXX  is still investigating this also, which tells me that PHEAA was prematurely assuming it had done nothing wrong without properly investigating. CFPB, PHEAA is basically putting little effort into resolving the complaints that come through to your portal, and this is obviously due to PHEAA deflecting the point of the Credit Report Status of ANY LOAN by trying to point out that none of the other loans were reported past 30 days. PHEAA did not accurately report when the account was past due. Currently the account is NOT PAST DUE, and so it should reflect that on all Credit Reports. The person or persons who wrote that statement is lying about what the Credit Report indicates.
Consumer complaint received 2020-02-16
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. (TX)

Someone stole my ID and Social and later opened the following fraudulent accounts in my name : XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : XX/XX/XXXX Amt. XXXX I have already spoke to these companies and they have agreed to remove these fraudulent accounts. I have provided them with my Police Report ( Incident # XXXX ), I also provided them with my Identity Theft Report # XXXX.
Consumer complaint received 2020-02-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sherloq Group, Inc (WY)

I am requesting that you provide verification of this debt. 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 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. Whether this debt is within the statute of limitations and how that was determined. 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. I need more details about what you claim I owe so that I can make an informed decision
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have a Walmart capital one credit card .I received a statement from them, i owned them for the month of XXXX almost $ XXXXThe due date was the XXXX of XXXX. My bank issued a payment on the XXXX of XXXX. On the XXXX of XXXX, I received a notice, that i was late for the payment. I called Capital one customer service, to find out wgy my payment was late. They informed me, tat there was {$28.00} late fee charged to me. Ion my statement, it shows, they received the payment on the XXXX, ( 8 days after i sent it ) the agent said this was a mistake an they would reverse the charges. I firmly believe this company is using fraudulent methods to charge, the unknowing consumer, extra charges to line, their pockets.On the late notice, they told me, I could avoid this issue, by allowing them, to automatically deduct their bill, from my bank account. I would like for your bureau to investigate this company for this fraudulent process.
Consumer complaint received 2020-01-22
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. (WA)

I've made numerous attempts since XX/XX/2019 with proof of ivestigations being updated on my Experian account that was listed by XXXX XXXX. XXXX has no information concerning this account and therefore XXXX  has removed this account. 

Yet somehow Experian has verified and updated the information, but really didn't change anything.
Consumer complaint received 2020-02-16
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. (VA)

After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my Equifax Credit Report, I downloaded a copy on XX/XX/XXXX to review the only credit card listed - XXXX XXXX XXXX XXXX XXXX. 

Although XXXX rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my XXXX  XXXX XXXX Balance from {$15000.00} to {$6500.00} and closing my XXXX XXXX Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), XXXX continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include that captured in the fields highlighted on the attached Equifax credit report including the following : 1 ) Amount Put Due = {$2800.00} ; Date Reported = XXXX XXXX 2 ) Date Closed = Blank Enough already ... the account was Closed by XXXX on XX/XX/XXXX!
Consumer complaint received 2020-02-16
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. (OR)

On XX/XX/XXXX I paid off an installment loan with XXXX. After paying off the loan they placed it as a charge off on my credit report. I contacted XXXX and they sent me a letter stating the balance was paid and the account was closed but they refuse to reflect that on my credit report. It is now XX/XX/XXXX and XXXX has reported a charge off on my account for every month since then and the credit reporting agencies refuse to do a proper investigation
Consumer complaint received 2020-02-16
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: WELLS FARGO & COMPANY (MA)

There is a credit inquiry that was supposed to be deleted from my credit report over 4 months ago, it seems like the credit bureau XXXX  is refusing to delete it because I provided the letter from the creditor agreeing to tell XXXX to delete the inquiry and they said that the letter did not meet their criteria, I do not understand what that means and I dont really care. I need this inquiry deleted immediately from my credit report, the inquiry is WF BANK NA - Inquiry Date XXXX.
Consumer complaint received 2020-01-22
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: EQUIFAX, INC. (CA)

In regards to XXXX response. It is obvious the did not read my concerns & their only concern is about being right. If they took the to understand that I have had an issue with our bill pay & XXXX not receiving my payment in time. According to our payment we made in XXXX it was received by XXXX on XX/XX/29. XXXX is claiming they received on XX/XX/XXXX. Causing a late on my credit report. The same issue happened in XXXX. We made a partial payment and the final payment again on XX/XX/XXXX which would have been the remaining amount due. Once again, we did our payment via bill through XXXX. Once again, XXXX stated it was delivered, we waited & waited & the payment did not post to the account. We contacted XXXX & they said the error was theirs which we provided proof in our first complaint which fell on deaf ears because XXXX HAS TO BE RIGHT ALL OF THE TIME. The error wasn't ours. There was an issue with the bill pay. And I was reported late once again. I had been in communication with XXXX and exlained my situation several times. A customer service rep advised us to provide the paperwork from XXXX XXXX XXXX which I did in my first complaint. Which I know you didn't even bother to read. If you would have you would have seen the communication between XXXX and myself. I am respectfully asking you take a moment to see the error was with XXXX - and I shouldn't be penalized for their misktake. I am asking for a Manager to review the information previously provided & for someone at XXXX to care about their customers. The service I have been receiving is horrible and I am beginning to feel as I am being discriminated against.
Consumer complaint received 2019-09-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

On XX/XX/19 I mailed a dispute to OCWEN Loan Servicing LLC XXXX. XXXX  XXXX XXXX, Tx XXXX it was " Return To Sender Attempted Not Know Unable to Forward '' See attached envelope and proof of mailing USPS receipt dated XX/XX/19 at XXXX XXXX
Consumer complaint received 2020-01-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

I have the power of attorney for my XXXX y/o mother 's finances. I'm her son XXXX XXXX. She has a loan with U.S. Bank. She owes approx. {$40000.00}. She has received phone calls saying she has missed payments and behind in payments. She has not missed any payments.I called in to the general number to address the issue. I have over the last month spent hours and hours trying to straighten out the issue. Each time I call in I get an understanding agent who can not figure out the reason for the problem. The payment for {$480.00} is made automatically early each month. The agents I have spoken to all agree she has made all payments. 
The problem seems to revolve around an escrow over billing problem. They agree that seems to be the issue and say they will find out the problem and get back to me. They NEVER do. They sent a default notice to my XXXX y/o mother. It has become increasingly stressful as they never have an answer as to why she is being charge {$160.00} a month for a $ XXXX home insurance policy. They all have agreed that is a problem but they never fix it. 
I received a annual document ( an Annual Escrow Analysis Statment ) from them saying her bill will go up {$2.00} a month to make up for a short fall in her escrow acct., then another document with a {$56.00} refund check for over payment. If you call into the automated acct. line. It indicates she owes {$1100.00} past due and if you speak to a agent you'll get a completely different number. I have spoken to front line agents, escrow department, collection department and management, all promising to correct " THEIR '' error but all we get are threats by mail. They have no Idea what one part of the bank compared to another is doing. Everyone is always nice but still the threats of penalties and foreclosure keep coming.They just sent me a letter saying they are giving the service of this loan to another entity. They have raised her payment {$93.00} a month. My mother is on a fixed income.I feel that is punitive. 
Help Me Please I'm the one who is always trying to get this resolved and they do nothing. 
I had a car loan with U.S. Bank and had to refinance because of things like this. THEY ARE INCOMPETENT. They should not be allowed to be a bank. 
Thanks