davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SYNCHRONY FINANCIAL (MN)

I applied for Care Credit through synchrony bank. The process for when applying was pretty straight forward, my issues come at the end of the process. I was denied for a XXXX dollar loan but my denial was based on a inaccurate credit score that was off about 200 points. I called numerous times and was put through to different departments in which none of the representatives had the knowledge on how to deal with this type of complaint. I was told to call XXXX and then to give them a call back. This was concerning because in order to get to a representative you have to out in an account number, it took me calling and hanging up along with putting in information such as my SSN then pressing zero for about two minutes to even talk to someone. They make it easy to give your information but hard to obtain help or get information which is very deceptive. I believe that their system is unfair and biased as their system of has my scores 200 points less than any other credit bureau I also have a 100 payment history. I also asked for an explanation on how they made their decision and came up with the credit score that they displayed and I was told that they did not know.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (DC)

Between the months of XX/XX/2021, I experienced undue overdraft fees from US Bank , and mismanagement of my account since it's inception on XX/XX/2021. When I made the initial deposit of XXXX, I then XX/XX/XXXXthat money to a friend. Instead of US Bank posting as a credit than a debit, they posted it the transaction in reverse. On XX/XX/2021, I reached out to US Bank in regards to 2 overdraft fees that were caused by an inaccurate account of my money. I XX/XX/XXXXXXXX out of my account and back into the account. The ATM read the accurate amount, I then withdraw XXXX. Somehow there was a miscalculation, 2 other transactions posted the account while the XXXX being returned wasn't calculated on the back end. Those 2 transactions caused overdrafts and US Bank didn't want to refund them, they did refund. Currently, we have a situation where I gave access to my phone to my ex husband, while been in the hospital, and he made some unauthorized transactions. In addition, to bad deposits in to my account. As soon as I had knowledge of this, post op, I reached out to US Bank discovering that Risk Dept. Recommended my account closure and instructed me to reach out to any branch manager to reopen new accounts. I also reviewed my account for unauthorized transactions and filed claims on them. They sent me a card to withdraw the MONEY REQUESTING that only ANY branch Manager can remove the hold for me to do so. On XX/XX/XXXX th I called an spoke to the branch manager at the XXXX XXXX XXXX, XXXX, he educated me that I was misinformed and that the back office had control of this. At this point they are prohibiting me access to funds that are mine.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 around XXXX I started to get alerts stating that I added someone ( unknown to me ) to my XXXX account. The next few emails were that Chase recognized fraud and that my account will be closed, and a debit card will be re-issued. Once, I logged into my account I noticed that a check ( unauthorized ) more than {$7000.00} was deposited into my account. Along with that transaction this person was allowed to place three unauthorized payment reversal claims ( {$730.00} ), two being my electric company and the other being to a car dealership. I called filed a complaint with Chase talked to several people including management. I told them that I wasn't aware of any of the charges nor depositing the check, I told them that I've never had this done and that I will need to know what steps to take. Chase opened back my account and was able to get another debit card. Police from both cities were filed and I submitted those to Chase. 
I talked to customer service from the fraud department to the claims department to their XXXX XXXX XXXX XXXX. That's where the lady told me the steps, I should take to get back with those police departments and to file now a civil suit. After days and weeks talking to Chase customer service, I felt that I was being talked/treated like a criminal. On XX/XX/2022 I talked to a rep and was told to fax over a claim to be submitted for my three creditors to get back the money that Chase reversed ( unauthorized ). On XX/XX/2022 I talked to several reps including a manger that it will take 45 days for those creditors to get back the money. I was very upset, very upset after being told that I have to wait 45 days ( my lights are off ) which I explained to them that the money they reversed is why my lights are off!! 
On XX/XX/2022 my electric which had been disconnected twice for several days up to a week was finally back on. Now, on XX/XX/2022 I have the same three fraudulent reversals back on my checking account making it negative again {$730.00}. At this point I feel that I'm being profiled or discriminated against. Yes, I used profanity in conversation out of frustration and annoyance but NEVER at any rep I disrespected. I would like for Chase to release all communication between them and myself. I would also like for Chase to release the communication from XX/XX/2022 including calls, online verifications and the ATMs that were fraudulently used in my behalf. I've been in complete hardship since this has happened to me. I feel that as long as I been a client with Chase and had deposited/cashed several checks in the past it should have been known that I didn't have anything to do with fraudulent activity. Chase released those funds to whomever and I'm paying for it. I've had to quit school and make arrangements for my child to live with my parents to go to school. And I owe my electric company more than I had before resulting in over {$1000.00} keeping me behind.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have spoken with multiple reps at experian about their reporting of inaccurate information that they have reporting on my credit report. They are beyond difficult working with. On XX/XX/2020 I spoke with a representative to dispute a few accounts and some addresses that they were reporting on my file that I never even heard of. They notified me that they were not able to remove the address because a creditor reported that address with an account that also didnt belong to me. I notified them of that account as well and it was disputed. Experian will not remove the address even though I have told them it was not mine. I even spoke with the company that reported it and they couldn't give me any information on one of the accounts. The second company had my actual address and didnt know anything about the address either. Yet experian refuses to remove this incorrect information from my credit report regardless if I'm telling them that I have never been associated with the information. I have already been told that my file was a crossed file with someone else and there is a note in my file that says so. I feel that my rights are being violated and from my knowledge that would be a violation under fcra 616 and 617.
Consumer complaint received 2021-03-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I was unemployed due toXX/XX/XXXXsince XXXX, XXXX. I was placed in a forebearnce program with PennyMac. I am now employed and have been since XXXX, XXXX. I submitted an application for a modification to see if the missed payments can be applied to the end of my loan and was denied because i have a previous modification in XXXX and i will not qualify until XXXX, XXXX. I asked if i can move the missed 14 payments to the end of my loan and they said that is not option.. I have to pay the $ XXXX or consider a short sale. I called XXXX at Neighborhood housing and he referred me to you. They are not willing to give me other options. I need help. 

Thank you, XXXX XXXX
Consumer complaint received 2021-03-26
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: Applied Data Finance, LLC (TN)

These accounts have been transferred or sold. According to my research, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

I was tried to get 4 phones with service with XXXX online, But I never get the phone and/or Services from them. Two months later they sent my a bill. I try to call them, and they told me they can't access my account. then they sent it to a collecting agency. XXXX is a scam, sent you a bill with an account that they can't access, and just want you to paid it.
Consumer complaint received 2021-11-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I send XXXX  token from XXXX ti coinbase buy not arrived, there are XXXX of people that felt in this error because isnt clear that u cant send the token from XXXX to coinbase. 
We are in XXXX of people that have XXXX of this token stopped in limbo. 
Please help us
Consumer complaint received 2021-03-26
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. (NY)

To who this may concern, I am a victim of Identity theft. There were fraudulent accounts opened up in my name that I request be removed from my report. I can't move on with my life. My wife and kids are dependent on me and I need you to help me. I have filed a report with the FTC that is attached with my ID and a notarized letter stating the accounts that are fraudulent on my credit report to prove my Identity that it is me.
Consumer complaint received 2020-09-15
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. (CA)

there are some hard inquiries Not made by me I have ask to verify with proof that I made those inquiries but Experian refused to do so. XXXX   and XXXX  graciously removed all inqueries not made by me. but Experian has not done the right thing.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-10
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX L, Account # XXXX # XXXX XXXX XXXX XXXX, 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 2020-09-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DC)

Sent wire for full payoff amount on mortgage on XX/XX/XXXX ; As of XX/XX/XXXX, bank says they won't process it until XX/XX/XXXX but the funds were electronically transferred. I see no reason for bank for legitimately delay the payoff processing by over a week so as to collect interest on the outstanding balance. They should process the payoff as of the day the wire is received and, if the wire transfer exceeds the daily interest charges ( which it would ), they should refund the difference between whatever has been sent in and what is *actually* due as of the time the payoff wire hit.
Consumer complaint received 2021-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (GA)

On XX/XX/2021 MBA Law placed 3 medical bills on my credit report, I reached out to them as well as all 3 credit bureaus letting them know that these accounts doesnt belong to me by mail. Only two of three were removed from my credit, the largest balance remains! I sent a second letter asking MBA Law to remove the medical bill again, they didnt do so! I havent given my consent for any of my medical information to be release! I want this medical bill released from my credit report immediately!
Consumer complaint received 2020-09-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

I attempted to pay my mortgage on XX/XX/10 to find that there was no information about it on the XXXX website and it was paid in full. I have attempted to call XXXX 11 times and sent 2 messages asking where my loan was sold to. I am unable to get to a representative and the automated system is not helpful and disconnects me. I have no idea where my loan was sold to and was not notified as required by law. I need assistance to find out where my loan is and how to pay it.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I received a loan from XXXX XXXX when trying to finance furniture in 2019. I have been paying my bill online. I was told that they dont offer this type of loan so I refinance. Today I get a notification from transunion that XXXX XXXX reported 30 days late in the months on XXXX XXXX XXXX and XXXX. But on my XXXX and XXXX Im not late at all.. im confused Im unaware of these late payments and can not understand why they are now showing on my credit report one year later and the account has been closed for 3 months. I have tried to get this resolved with the company I even have bank statements as proof that these payments were made on time.
Consumer complaint received 2021-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Contacted XXXX XXXX regarding XXXX collection accounts that are not mine. They can not prove to me that they are mine. I just get rude people telling me to pay then they will refund it they are wrong.
Consumer complaint received 2022-10-12
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. (TX)

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$14000.00} ; XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-01-31
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. (MI)

I the consumer, myself has submitted a formal letter of complaint because a bankruptcy is illegally furnished on my consumer report. I have backing evidence stating from multiple entities that the information should not be reporting.
Consumer complaint received 2021-09-07
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. (TX)

I am contacting you because Equifax, XXXX, and XXXX have violated my consumer rights for a fair and timely investigation into items being reported on my consumer credit report. I submitted a dispute letter to XXXX, XXXX, and Equifax regarding fraudulent information on my credit report. It has been almost150 days, I have not received any information about this investigation, and these fraudulent items remain on my report. It seems as if these companies deliberately have discarded my letters. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent a letter requesting that all erroneous information and to replace it with the correct information ; because the incorrect reporting of that information was hurting me financially and affecting the way banks and lenders view me as a credit risk.
Consumer complaint received 2020-11-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (RI)

I am in the process of selling the home that I originally financed in XX/XX/XXXX under Guaranteed Rate. The servicing rights have changed hands twice ( Shellpoint then New Rez ). In XX/XX/XXXX, I refinanced for a small payout to make some final repairs so that I could be ready to sell this fall. The payoff documentation to discharge the original mortgage has not been filed with the Town of XXXX XXXX so, as part of the closing process, my attorney has been trying to get the document faxed to his office ( for about 2 weeks ). It is now 3 days before my closing and we still do not have the document. I tried calling New Rez and have been told part of the loan release process was not completed and they will " let me know '' when they can have it done. This could delay or disrupt my closing and cost me nearly {$80000.00} in proceeds. Not to mention, my buyer has already sold her house and needs to move in.
Consumer complaint received 2021-11-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FISERV INC. (NY)

Hello : First Data is a terrible, unethical and illegal merchant credit card service because : ( 1 ) they always take the money out of your checking account first before you are allowed to get a warning, or respond to a frivolous fraudulent, illegal thieving charge back from a criminal client ; ( 2 ) you only receive the physical charge back notice weeks after the money has been removed from your account ; ( 3 ) this policy of removing the money even before a warning or ability to respond, in contrast to 99 % of the credit card merchant services I have used in the last XXXX  years of law firm business causes checks to bounce, payroll to bounce, taxes to bounce, rent to bounce, insurance policies to bounce, etc etc - causing untold permanent damage with 100s of other damages to life, liberty and property in violation of untold myriad federal and state laws, as well as the United States Constitution ( First Data, ie, FISERV, being upon information and belief a XXXX XXXX company doesnt care about the US Constitution, evidently ) ; ( 4 ) aids and abets XXXX and XXXX XXXX upon ones small business with the above referenced behavior - which can often ( and usually is ) committed against a targeted CEO or employee of the small business by enemies, exes, competitors, foreign and domestic intelligence agencies, XXXX, XXXX XXXX and any other type of agent saboteur or provocateur. 

Please urgently investigate and punish not only First Data corporation, but also the credit card charge back offender. 

Thank you, XXXX
Consumer complaint received 2020-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

From XXXX XXXX, 2020 i have noticed unauthorized transaction on my account. i have called and sent in documents disputing charges. Nothing has been done to secure my account. 
i have spoke to supervisors, clients relation manager and i have not reimbursed funds or my concerns addressed. the latest unauthorized transaction dated yesterday XXXX XXXX, 2020 2020