davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I checked my credit score XX/XX/XXXX and noticed a credit card account had been opened under my name with JP Morgan Chase Bank. I immediately notified XXXX and reported it as fraudulent and went to Chase bank and informed them as well. They closed the account and told me to make the report anyways. The strangest part was that the account was opened in XXXX, which is odd because I was born in XXXX. Along with this fraudulent account their were two addresses and a phone number that did not belong to me. I have made the dispute to remove the fake forms of personal identification. It should be stated that I have not had a credit card in the last 4 years.
Consumer complaint received 2022-07-17
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: EQUIFAX, INC. (GA)

in accordance with the Fair Credit Reporting act 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, 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 2022-09-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc. (FL) (WA)

I called to inquire about this debt that is showing on my credit report that I am not familiar with. The representative was very rude and unprofessional. She would not give me information on how to request that they send me the original documents for the debt and she hung up the phone with me. She attempted to intimidate me the entire time we were on the phone and she was verbally abusive the whole time. 

This collection needs to be removed from my credit report. They have not provided verification that this debt belongs to me. 

XX/XX/2022
Consumer complaint received 2023-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

Last seen XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX  on XX/XX/23. My Insurance company has paid them over {$3500.00}. XXXX billed them for services that was paid already per the XXXX XXXX XXXX XXXX. Called this office several times and left messages with no response! Not giving me details about charges. Dental work not good. Have photos. XXXX XXXX turned a amount to Transworld Systems Collection agency with no information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Billing amount {$410.00}
Consumer complaint received 2021-07-15
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: Navient Solutions, LLC. (IL)

The Department of Education/Navient stating I owe {$29000.00}. This information is not correct as I do not owe them anything and they have violated my rights by publishing this info on my credit report. 15 USC 1681 ( a ) under the investigative consumer report, the consumer report should not include factual information, also they are supposed to interview my neighbors, friends and associates. None of this took place so it is a violation of my rights.
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-12-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Sales Inc. (GA)

I have filed multiple complaints with cfpb and I have also call usa auto sales inregards to there incorrect account management. Usa auto sales illegally sabotage my vehicle so that I would not be able to make it to work on several occasions by disabling my vehicle after constantly loosing my payments in there system. 
I have tried to be patient with usa auto sales and there incompetence on managing the correct balance. I dont owe us auto sales any balances. I would appreciate if there completely removed from my credit report where they are illegally adding a balance.
Consumer complaint received 2022-09-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (OH)

XXXX I went to there XXXX XXXX and I do not have an account with this company. They have tried calling 15 times over the last 2 weeks to try to collect debt that on a card that I do not have.
Consumer complaint received 2022-06-17
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXX, 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 an account without my written instructions
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX ; SYNCB - XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Ref : # XXXX & XXXX, these are the reference numbers that was given to me by their customer service representative at the call center. 
XXXX XXXX Charging me XXXX for a returned item. 
A purchase of XXXX purchase was made as Financing on XX/XX/2022 and fully cancelled on XX/XX/2022 without taking delivery of the bed. The sale rep told me I had to leave with a mattress protector. He also informed me that it was all refundable. The call center representative said I need to return the protector back to the store which I did on Monday XXXX. The protector was unopened and unused and Intact just as I received it. I left it at the store. They have now placed XXXX  on my credit report adversely affecting my score. They need to remove that charge. The Store Manager was rude and certainly doesn't understand customer service, he had the opportunity to gain a customer for other purchases and it is terrible that a XXXX XXXX XXXX would take advantage of a Senior Citizen for XXXX
Consumer complaint received 2022-12-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (SC)

I tried to call but no one answered. So send emails. They did not respond the the first to times. I did not read the fine print closely on this loan. I though this was for 10 months. I did not know this loan was for a whole year at $ XXXX. It was thrown my finances into disarray. I am XXXX XXXX XXXX XXXX  woman. For {$500.00}, I am to pay them over {$2000.00}. 


Date Amount XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XXXX XXXX, XXXX {$88.00} XXXX XXXX, XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} XX/XX/XXXX {$88.00} Total Fees {$0.00} I have sent Spotloan a letter to revoking them drafting money out of my banking account. I have paid the {$62.00} to stop payments ( XX/XX/XXXX and XXXX ). So I could resolve this issue but there payments are still going through. I have never had this problem before. I can not change bank accounts because of this. 
I do not know anything else to do. 
Please help me.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-11-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (TX)

Loan stacking, account re-aging, document forgery, mortgage flipping, debt cycling, fraudulent Substitution of mortgage. 

Reconveyance Deed swapped with " substitute trustee deed '' (? ) In reconveyance file. Homestead property, disregard for homestead procedure, attempts to claim " absentee owner '' on 1099 notice to bank of abandonment pr acq. 
Docs dated well past XXXX deadline to pay for unlawful foreclosure. No money actually paid by the out of business LLC listed. 

Pay-off of mortgage by settlement agreement was to take place XX/XX/year>. 
Mortgage revived and auto debit payments were re-instated, as owner was held hostage by intruders during a long term home invasion, using scopolamine, ghb and rohypnol to confuse and remove memory. 
XXXX security video images erased. Showing no human beings coming or going from the house. A three month period where not even the mailman shows delivering the mail. But mail ( most of it ) delivered. 
Evidence of tampering with mail including bank statement, thre utility bills, a fraudulent mortgage escrow statement, and an Early Warning Report, etc Not expecting me to recover or return. 
See attached. Please do not be part of the problem. Victims, especially abused elderly, need you. I wasn't old enough, they just used more XXXX. 
XXXX 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 2022-07-18
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc. (CA)

hello My name is XXXX XXXX XXXX I recently received my employee background check. 
HIRE RIGHT REQUEST NUMBER # XXXX I see there is a criminal record reporting back from over " seven years '' ago on my report. 
how can this be? 

I searched through XXXX XXXX and there is nothing in database regarding me. 

I feel there is an error in the reporting. 
Where did this record come from? 
Please furnish me the source so it may be corrected that record does not belong to me. 
nor does it belong on my Report. 
Also did this come from the Clerk of Courts or from a third party Data Furnisher?
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (IL)

I filed a complaint about this twice already now this is my third time and the company asked me to do a few things for them, so i did what was asked but i wanted to put it on here as prove before i take it to my attorney if this problem is not fixed or atleast settled with the company. I have paystubs the notarize letter and mail that they asked for so i am working with them to get this fix. I once again HAVE NEVER EVER lived on address that they have a file on. I don't have a signature on any applications nor do i have a contract or a lease or anything from this property due to once again me not living here. I am sorry that this has happen to both of us but i am a victim here of theft I will upload everything needed here I can not provide amounts nor dates because i never got a letter or reports about this till i saw it on my credit report.
Consumer complaint received 2019-04-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

I had a new car loan with citizens one, loan number XXXX, I have paid off this loan and I have received the title of the vehicle. Citizens one has reported to the credit bureau that I still owe them {$14.00}, and they send me installment loan statements to that effect. I have spoken to them a number of times, each time they assure me that the loan will be cleared, but it never was.
Consumer complaint received 2020-04-28
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theatre. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters of several unpaid accounts that I have never open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX  XXXX XXXX {$1100.00} XXXX XXXX & XXXX XXXX {$3600.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$3100.00} XXXX  XXXX/XXXX  XXXX {$0.00} XXXX/XXXX  XXXX {$0.00}
Consumer complaint received 2023-07-18
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: SYNCHRONY FINANCIAL (TX)

In XXXX I used my Care Credit Card by Synchrony bank to pay for dental procedure at XXXX XXXX XXXX. It was a XXXX  year XXXX interest offer on {$24000.00}. I set up ACH payments and it automatically took the amount required to pay the account off in the XXXX  years. That payment was around {$1000.00}. I NEVER designated a specific amount. All was fine, account paid off in XXXX  years. A year after that in XX/XX/XXXX, I had the remainder of the work done that was needed. Same place, XXXX XXXX XXXX, same credit card, Care Credit by Synchrony, same terms XXXX  years, XXXX interest, amount this time was {$22000.00}. ACH is still set up. In XXXX I received a statement showing that interest in the amount of XXXX had been applied to the account so that I now owe {$22000.00}. All along I thought the account should be paid off as of XX/XX/XXXX. I have called the company and they will not reverse any of the applied interest even though I have stated I will pay the account off immediately. They have advised that " This Time '' the ACH was only taking the minimum payment due each month. I understand that this is partially my fault for not checking my statements. I did not check them as I was under the impression that it was set up exactly the way they set it up the first time. I have spoken to an agent as well as XXXX separate account managers. I have asked to be transferred to their executive office or escalated complaints but they have refused. They did provide me with their corporate address. I am not one to shirk my debts. Since I had done this in the past I was under the assumption it would work exactly the same way which was a breeze. I feel that Synchrony Bank was incredibly deceptive in their practices this time. Again, I take responsibility for not checking and have learned a lesson. But, the fact that they charge 26 % interest is ridiculous and exorbitant to begin with and I would have NEVER charged this amount had I not been under the impression that it would work exactly the way it did the first time and I would not pay interest on it. I did not need to charge this but it sure makes life easier to pay it out monthly instead of having to withdraw from savings. I believe that Synchrony bank should waive the interest charged and allow me to pay the account off immediately due to their deceptive practice with this charge. Thank you for your time.
Consumer complaint received 2022-09-17
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. (MD)

I sent Transunion the attached letter on XXXX XXXX. Transunion received it on XXXX XXXX. The certified mail tracking number is XXXX. Transunion has defamed my character. Remove these accounts or I will bring legal action against Transunion for defamation of character.
Consumer complaint received 2022-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I signed up for the forbearance program with Wells Fargo and also to defer the missed payments to the end of the loan due to XXXX. This lasted 18 months and now they are telling me I need to pay $ XXXX to avoid foreclosure. They told me last year if that if I made 3 months of payments, I could qualify for a refi. I paid those 3 months and every month since then. The refi they offered me would have cost an additional {$30000.00} so I told them I wanted to stick with the original deferment plan instead. Now they are saying that they offered me to go back to the deferment plan but I had declined it ... .which was a lie and also that I never responded to the 2nd time they offered it to me, which was also a lie. I have talked to no less than 8-10 people there dozens of times..no exaggeration. 1 employee told me that he had to apologize for a lot of what other Wells Fargo employees had said over the last 3 years because they were saying things they shouldn't have. 1 of them flat out told me that my only option is pay the past due amount or they will foreclose on me. 1 one of them disconnected the call as soon as I told her I was recording the call as well. 
I just want to do the forbearance plan that I agreed to initially and they refuse to honor it. This week they asked for another loan application from me so that they can find more loans at much higher rates now. I am still XXXX  due to XXXX so I can't even look for loans any where else. Please help me.
Consumer complaint received 2022-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY CREDIT SYSTEMS INC (NY)

I paid {$290.00} on XX/XX/2022 in person at XXXX XXXX. I have made repeated phone calls to XXXX and Security Credit Systems, to have the debt removed from XXXX, XXXX and XXXX. It shows unpaid on all 3 reports and my score is severely decreased because of this.
Consumer complaint received 2021-12-29
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you