davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WV)

I have spoken to this company multiple times and sent a letter not understanding the debt. They do not send anything back, they take the debt off for months and then randomly add it back on. I only received one phone call in XXXX when I asked for a debt validation and received nothing. I not received a phone call since. The reason for the debt is affected by natural disaster which doesnt make any sense, especially since the debt came up in 2019. None of this collection is accurate and I do not believe it is valid. I currently have an account with XXXX XXXX XXXX, when I have asked them, they have no record an outstanding balance.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

Rejection Letter for rental apartment. The leasing agent told me her company had nothing to do with decision for rental apartment. But XXXX stated in letter to me that property management make final decision for rental approval. I did not receive credit score from XXXX XXXX XXXX or property management. By the way I believe XXXX is a subsidiary of XXXX XXXX XXXX. So basically, they are working together. And XXXX XXXX XXXX, is what the management used to evaluate prospective tenants. 

Then the management used Experian for collecting the data on my accounts. 
Horrible decision : Experian had collected 70 % of misinformation, inaccuracies, and accounts not belonging to me. 

On the report many things were incorrect. 
I emailed the management my job offer letter, which did no good because it was not calculated with my other income sources, to determine if I could afford the apartment. 
Also, other sources of income amount were not correct and outdated
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I have a loan with SYNCB/BANANA REPUBLIC and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/BANANA REPUBLIC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX  and SYNCB/BANANA REPUBLIC with no successful resolutionXXXX and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2020-12-03
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. (IL)

Complaint against XXXX XXXX violating FDCP as well Violating FCRA. As of XX/XX/XXXX Disputes started with Major CRAs. All letters sent out have been. Notarized and certified via usps mail. On XX/XX/XXXX disputes sent directly to XXXX XXXX started. I have provided endless forms of proof to both bureaus and Credit card company this is an inaccurate unverified account and is in violation of FCRA AND FDPA. Yet no entity involved has ran an independent investigation in which I am entitled under the law yet instead traded unverified info amongst electronic system such as eoscar ( CRAs ). XXXX XXXX 1 out of 3 letters returned to sender due to inaccurate address reporting on 1 of the bureaus. Each bureau showing different reported info. XXXX XXXX response to my dispute request was a request for validation because they could not locate account which letter and names dates all attached to this complaint. I cant verify account with XXXX XXXX yet they refuse to stop reporting this unverified info as CRAs do the same continue to report Unverified info. Contact made yesterday To XXXX XXXX to make final attempt to resolve before filing a complaint today was unsuccessful in removal of inaccurate unverified info, yet a productive call. On a recorded line as XXXX XXXX States XXXX who is a Supervisor id XXXX was able to confirm her company could not verify locate any specific information about this credit card account in question in her system. Yet every bureau is verifying how when this is what I was able to find. It was a 58 minute phone call on XX/XX/XXXX. I have attached all documents supporting my statements in this complaint. I have copies of all sign notarized certified disputes sent out.
Consumer complaint received 2022-02-03
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. (GA)

In XX/XX/XXXX I tried to file chapter XXXX after my husband died and I was struggling. When it came down to meeting the mediator judge type person they tell me they are using my house as collateral.i had not been told this prior to this point. I hit the roof and said no no way cancel this I'm not doing it I could get hurt tomorrow and not be able to pay and loose my house. So as far as I was aware it was cancelled. I found out in XXXX that all the debti was including was not only returned to my credit report but it reopened them and the calls started. Well I went thru and got the original cases closed and was just going to deal with the negative remarks on my credit thinking I couldn't do any better. But now I have what looks like new accounts in large amounts on collection accounts and they are the original creditor. I also have a dismissed bankruptcy listed on my credit that is stripping me from being able to rent any place to live. That Bankruptcy I cancelled should not be on my credit as dismissed or any other status unless I failed to complete the terms of a case I filed which is not the case I cancelled this myself before it was ever completely filed. I feel this is unfair to my ability to get a proper place to live and being on social security now my options are already limited to begin with I don't need anything else against me after the last 7 years I've had please help remove this bankruptcy and check the recovery accounts against original debt with XXXX XXXXXXXX and XXXX those accounts were closed and written off before now they've been sold and reopened starting my failures all over.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CT)

Received a modification in XXXX/2021 and started falling behind as the payments increased to approximately XXXX from XXXX. I was foolish to have accepted the offer! 

I have tried 5 times a request of loss mitigation and have been offered a deed in lieu which I have not accepted. 
My grievance is that the mortgage was modified to an increased amount based on my existing salary which was lower than it is now. 
I now have a 2nd job and earning more and the company says I can not afford my home- then how did I qualify for the modification! They want my home!!! 

This company is not willing to work with consumers to stay in their homes. 
I have tried to catch up as much as I can paying almost {$17.00}, XXXX in an attempt to get caught up! 

Can you plead my case to this lender? 

Please help me! 

Thank you!
Consumer complaint received 2022-04-13
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: SYNCHRONY FINANCIAL (NY)

My original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. SYNCB/XXXX, Inquiry Date : XX/XX/XXXX XXXX. SYNCBXXXX, Inquiry Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NC)

In the midst of the pandemic I turned to an online company selling toilet paper. I paid {$32.00} for toilet paper from a company called XXXX under the XXXX umbrella of scam companies. They are now defunct. I order the product on XX/XX/XXXX and then canceled it on XX/XX/XXXX. I reached out to the company via the service email confirming to cancel the shipment on XX/XX/XXXX. When I inquired about it I was told it was already sent but the time stamp they provided was XX/XX/XXXX, so no in fact they did not honor my cancelation request. Weeks and month went by and no movement of the package. Did I mention this was being sent from XXXX. I reached out to Payapl several times to help resolve and dispute and there was no movement by them and they said the Seller confirmed shipping, but did not see that there was nothing going on with the shipment. Paypal seemed to support their Seller more than they did me as the US based customer. Paypal is part of the problem as they have the power to refund my account since I used them to process the payment. The seller did not act in good faith and has set up many of these shell companies to sell pandemic related products. XXXX XXXX has allowed this price gouging to occur and continue to support the Seller even with it has been over three months where the product has not been delivered. I attached my email to Seller requesting to cancel and refund order and the shipping label when the product was sent a week later. As of today XXXX product as not arrived.
Consumer complaint received 2023-03-22
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: Bread Financial Holdings, Inc. (MT)

Victoria Secret is really starting to get on my nerves. I'm literally considering suing them for altering my credit, when it shouldn't have been altered in the XXXX first place. 

The cards owner is my wife. She added me as an authorized user months ago. 

When I found out about it via my credit report, I told her to take me off as that has serious reprucussions if her account is late. 

She then called the company and told then to take me off as an " authorized user '' and said they had done so. 

So one, its not my XXXX account Two : my liability is gone because the company VICTORIA SECRET agreed to remove me as an authorized user. 

Three : This company literally just violated FCRA, and such applicable laws that follow suit with it. If this company isn't held responsible, I'll be sure to have a lawsuit. 

Get it off my XXXX credit report. 

Thanks, your sincerest credit consumer that doesn't use Victoria Secret
Consumer complaint received 2021-11-23
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. (CA)

XXXX XXXX reporting to all XXXX bureaus that account was paid late 30 days in XX/XX/2021 however it was paid within timeframe. Company refuses to correct to credit bureaus now my credit report reflects negative
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I received an email stating that citi bank was closing my account. It has been 60 days and Ive called and spoke with over 20 reps. No one can tell me why they are closing my account or why the account has closed. This company is refusing to follow the federal guidelines outlined by the regulatory body for financial institutions. Citi bank representatives have hung up the phone on me and refused to answer my questions. They have denied me access to my money in the middle of a pandemic and no one seems to care. I feel XXXX XXXX by this bank and will be moving forward with legal action if these accounts are not closed immediately! The bank is also refusing to give me my money
Consumer complaint received 2019-06-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAINE & WEINER COMPANY, INC. (NY)

I called in the attempt to settle a debt that I have been disputing for over two years. When attempting to discuss an offer the supposible manager said he worked hard behind the scenes to get me a better offer which was over 150 more than the initial offer given by the previous rep. When I asked to speak to a manager the supposible manager got disrespectful and constantly yelled at me telling me he was not going to send me to a manager good luck with that and hung up on me. I called back in and the same rep got on the line with me and again started yelling at me telling me he would not transfer me to a manager he doesn't have to so he's not going to. I then asked why he wouldnt transfer, he said I don't have to it I don't want to so I'm not going to. I asked for the rep 's ID and he refused to give me the information, he also refused to give the company 's information as I requested. The rep was very abusive and disrespectful After some due diligence I found this to be his information : Caine and Weiner XXXX XXXX Unit Manager Address : XXXX XXXX XXXX XXXX floor, XXXX XXXX, CA XXXX
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship i was not able to make those payments on time. The following account that shows late payment for XXXX, XXXX, XXXX XXXX XXXX XXXX # XXXX. Due to the Pandemic Shutdown I was effected financially.
Consumer complaint received 2019-06-14
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: GUARDIAN CAPITAL MANAGEMENT HAWAII, LLC (HI)

Guardian Capital Management LLC, the collections agency in charge of the account in question, hired a process server to serve me court papers. The process server went to my building and asked if I was home, upon being told I was not there, he served the court papers to the third party, my neighbor. This is an embarrassment and violates the Fair Debt Collections Practices Act. This breaches all privacy laws put in place to protect borrowers from their personal information being distributed to anything other than the borrow or their attorney.
Consumer complaint received 2022-04-13
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-18
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. (MI)

the attached dispute letter was sent to Equifax on XX/XX/2022 disputing the following accounts : 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. 
It has been over 45 days and Equifax did not respond or investigate within the 30 day time period. a copy of a identity theft report is attached
Consumer complaint received 2019-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OR)

I have been a customer for Best Buy since 2009. I have always paid on time in store with my checking account I have been charged for a debit protection benefit that I was not aware of until I disputed my XX/XX/XXXX statement for fees charged for being late and I was not late and was not given credit for XXXX additional payment. When I was told I was paying for a debit disability, that I was paying for, I filed a claim and was denied because they said I did not soon enough and they would not pay. My disability is permanent and not temporary and they are still charging me the debit disability fee but will not pay the benefit. I have completed 2 forms and sent to them and all information of my disability and proof of my Social Security disability .Since I have paid the debit disability fee for over ten years I want them to honor the disability insurance that I have paid for and still being charged the fee. Or refund amounts paid for disability fee.
Consumer complaint received 2022-08-06
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)

XXXX FINANCIAL XXXX negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1000.00} XXXX XXXX account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$200.00} Status Collection account. {$200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Collection account. {$170.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX RXXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Single family XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX  Apartment complex XXXX XXXX XXXX  XXXX XXXX, FL XXXXXXXX XXXX XXXX  Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Single family XXXX XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, XXXXXXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX HOME XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TN)

Chase refuses to process our payments to our Southwest Rapid Rewards card in a timely fashion. Shortly after opening the account, we attempted to make a payment while traveling and must have made a typo because the payment was returned. We corrected the error within 48 hours and have made several payments since that time. Despite making payments, having good credit, and having a verifiable account with sufficient assets, Chase continues to place holds on our payments for 1-2 weeks. When we initially contacted Chase, a supervisor told us we could set up direct pay from our bank to resolve the issue. We did this, and Chase started holding those payments just as the prior ones. We were then told by another supervisor that the only way to make timely payments is to take cash to a Chase location ( in 2022 ). This makes the card unusable as a travel card, and we weren't able to even purchase XXXX tickets on a XXXX sponsored card because Chase hasn't processed a payment from over a week ago despite the funds being shown drawn from our account at the time.