davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NJ)

A Bloomingdales credit card was open fraudulently in my name. When I was made aware of the card I paid the entire principal plus interest on the card and asked several times that this account be taken off my credit reports ; I sent several statements to Bloomingdales agreeing to pay the balance on the card for that fraudulent account to be removed from my credit report. They instead tacked on interest during the pandemic when it was national health emergency. There were no adjustments or deferments made by Bloomingdales during this national emergency even though consumers were forced to leave their jobs. I reached at to Bloomingdales SEVERAL times asking them to remove this fraudulent account from my credit report and they totally disregarded the fact that the account was fraudulently opened in 2019. They claimed this account was a charge off even though I have not received any information about this account being in collections. That Bloomingdales credit card was not open by me and should be removed from my credit report.
Consumer complaint received 2022-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Professional placements Original Creditor Advocate health care Collection XXXX XXXX Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX XXXX XXXX {$470.00} An accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2019-05-31
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: AMERICAN EXPRESS COMPANY (DC)

On XX/XX/XXXX I redeemed XXXX XXXX XXXX XXXX for what I believed would be 2 {$100.00} gift cards ( they are advertised on the rewards site as gift cards ). I bought them with the goal of immediately using them to buy a round trip ticket from Washington to NYC for travel on XX/XX/XXXX. Instead of gift cards as I believe would be reasonably understood from the marketing, I received, by mail, 2 {$100.00} gift certificates ; these did not arrive until XX/XX/XXXX, precluding me from getting a better price on my train ticket, which rose by {$100.00} in the intervening time. The certificates are only redeemable in person at an XXXX ticket counter. I had purchased the certificates under the assumption that they would be usable as any other gift card, through the XXXX website. I do not believe the expectation that in this day and age a consumer redeem paper certificates at a ticket office is reasonable, particularly because the most likely time for a consumer to do this would be at the train station, thereby guaranteeing the highest purchase price and lowest redemption value of the certificates. I live across town from the ticket office and can not invest the additional hour to redeem them in person independent of a trip. I further find it misleading to market these products as gift cards through the rewards website. When I called to complain ( Amex does not take electronic complaints ) I was told that I could not be refunded ; when I asked to escalate I was denied the opportunity to speak with a manager.
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (IN)

As a XXXX XXXX resolution I decided to resume working on bettering my credit. While checking my XXXX and XXXX reports  in mid-XX/XX/XXXX I discovered that a new collection account was added on XX/XX/XXXX in the amount of {$340.00}. It is reporting under the company Convergent Outsourcing. I have never heard of this company nor I have done business with them before. On XX/XX/XXXX I sent this company a certified letter asking for debt validation and a signed contract showing me that this is a valid debt. The company responded on XX/XX/XXXX with a printed statement from Im assuming the original creditor and a letter stating that the debt is valid. Since this was not what I asked for on XX/XX/XXXX I responded to the companys letter with another certified letter informing them that their response was not debt validation. The company has not responded as of today with a signed contract nor did this company provide me a dunning letter before I even contacted them. Had I not checked my reports I would not of known about this collection account. Because of these reasons I do not feel that I owe this debt and want it removed immediately from both of my credit reports.
Consumer complaint received 2022-08-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL (GA)

I am trying to resolve my debts that were reported on my credit report. I have settled all but one. On my credit report it shows that XXXX XXXX XXXX holds it for {$920.00}. The phone number attached is XXXX. When I called XXXX XXXX XXXX on XX/XX/22 to settle the account by paying the amount in full, I was given a different number of XXXX. That phone number is for XXXX XXXX. When I spoke to someone at XXXX XXXX on XX/XX/22 about resolving the debt I was told that it was for {$1100.00}. That is a difference of {$200.00} from what is showing on my credit report. The people on the phone were rude and one even hung up on me. I even have recordings of the phone calls. 
The last person that I spoke to told me that they received the collections from XXXX and that the amount was {$860.00}, so that is a difference of {$260.00}. 

I have recording of all of the phone calls resolving the debts in full, and I have screen shots of the credit report showing the amount that I was trying to pay in full. 

With the amounts being different in multiple ways I would assume this is fraud
Consumer complaint received 2019-05-31
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I contacted Experian regarding an account listed on my credit report, as XXXX XXXX, advising that the account was not mine and I do not recall having opened this account. I initially reached out to the creditor for information and have been ignored several times for documents. I then submitted a dispute with Experian sometime in XX/XX/XXXX. I received a notice stating the account was verified as mine. I sent a letter last month, XX/XX/2018, requesting for the information that was obtained from the creditor that proved the debt was in fact mine. I explained to Experian that the creditor had ignored my requests for physical proof and because of that, additional research needed to be done to show prove this validation by the bureau. I asked for the name of the person spoken to that validated the debt, date and time debt was verified, and account number, balanced owed and proof of any payments. I was sent another notice stating this was already addressed and further investigation would not be done. 
The creditor doesn't have a stellar reputation in my state and is already ignoring my requests for physical documentation. In this case, the bureau needs to actually investigate the authenticity of the account and not ignore my requests. It is my right as a consumer to obtain this physical and contractual proof if requested. Please help
Consumer complaint received 2022-08-28
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: LoanCare, LLC (CA)

Complaint # XXXX was started on XX/XX/XXXX by phone. I was instructed to log into the site and attach documentation about XXXX/Loancare. When I logged in the only way to enter data is to start a complaint. Please advise if the complaint # is valid? 

See complaint # XXXX, filed XX/XX/XXXX Will attach the 4 pages of documentation requested by one of your customer service representatives on Friday XX/XX/XXXX. She gave us the websiteconsumerfinanc.gov. 
Upon entering the website there was no link or place to attach the 4 pages with complaint #. 
Please call me to verify that you have received the attachment of 4 pages. My name is XXXX XXXX cell XXXX XXXX XXXX I am providing mortgage to XXXX bank in Virginia. My monthly payment is {$1300.00}. I went into forbearance of XX/XX/XXXX through XX/XX/XXXX. Then I came out of forbearance by instruction of XXXX. I am current on my mortgage through XXXX. I wanted to refinance my house with a different lender so to get my credit ratings, we went to the credit bureaus. Only two of them accepted my credit. XXXX reported I did not make my payments from XX/XX/XXXX through XX/XX/XXXX. I notified XXXX of their error and I wanted it corrected. I was told their information is correct and that I made no payments. I was in forbearance. I am losing my interest rate advantage and it will cost me more to refinance my home now. Loan Care is a partner of XXXX bank. When I called I was told that the research team does not speak to people it all has to go through customer service. On my statement it shows all payments have been made, I have no late payments and my account is up to date. I have been trying to refinance for the last five to six months. While in forbearance my payments are not to be reported as late or missed. There are no negatives showing on my mortgage statements so there should not be negatives on my credit report. My forbearance instructions that stated I would not be counted late, I would not lose any interest.
Consumer complaint received 2021-08-10
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 just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license. i asking that these accounts be blocked and deleted from my credit report.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Good morning, Capital One was given a pay-off in full on both of my credit cards on XX/XX/2019. Both balances were at XXXX. On XX/XX/2019 Capital One changed interest on a XXXX  balance. After calling I was told that they charge interest on the previous month if there is a balance. I asked to speak to a supervisor and was hung up on. After calling back I was told a different story as to why the interest was charged. After asking again to speak to a supervisor after being transferred a second time, again I was hung up on. After a third phone call and much frustration, I paid the bills in full to make it stop. 
How can a credit card company get away with treatment like this? 
I also refinanced my auto loan and the payment was sent by XXXX  XXXX XXXX on XX/XX/2019. By XX/XX/2019 Capital One had not posted the pay-off. I called the Credit Union and they called Capital One. Capital One stated they did not have the funds. When I checked on XX/XX/2019 the balance was at XXXX for the car loan. Had XXXX XXXX not made the call, Capital One would have continued to charge me. 
How can such a supposed reputable company have such ugly practices? Especially for what was a loyal customer.
Consumer complaint received 2021-08-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (FL)

*I attempted to open a CD online with Marcus by Goldman Sachs . 
*Their computer system failed and I had to complete opening the account with a representative. 
* I was told that their tech team will look into why their system was failing and that I MAY have online access in about a month. 
* I received hard copy forms to complete in the mail about a week later including the backup withholding statement. 
* The forms were mailed back the in the Marcus provided envelope the next day XX/XX/XXXX. 
* On XXXX I receive a statement on the account in the mail that showed a withdrawal for backup withholding. 
* I am told that yes backup withholding as they do not have the backup withholding statement that that was mailed over a week ago. 
* I offered to complete another form or send a copy if they would like to send overnight mailing instructions. 
* I was told that they do not do overnight for their customers etc., that someone from customer care would call me 1 to 2 days and by the way in another 10 days the backup withholding becomes non reversible. 

So I have spent 4 hours on my time trying to open and correctly post my {$250000.00} CD. Their computer system has failed, there is no urgency for them to fix it, the backup withholding form has had plenty of time to get to their OFFICE but someone would need to be working in the OFFICE to open the mail. They set a deadline for non reversal of the backup withholding and do nothing to accommodate the customer to offset their computer and administrative failures.
Consumer complaint received 2019-01-31
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 not the owner of the accounts, I wonder how they obtained my information, I never received any correspondence from them, please delete this from my credit reports 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
Consumer complaint received 2021-06-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUHOME SOLUTIONS, LLC (IL)

I sent an Eform from Mortgage Company Tru Home Solutions website, Requesting Forbearance On my FHA Loan with Covid-19 Relief Laws in place on XX/XX/2021. 
Email returned from them states that our loan ( FHA ) Does not meet their Criteria. 
It's my understanding that you just need to be in Hardship and hold a Federal Backed loan!? 
We feel they are just throwing paperwork at us to waste time on run out the short time that we have ( XX/XX/2021 Deadline ), so they can deny and say oh you missed the deadline or any other reason in their favor. 
I also have some information about mortgage that I would like to attach in .jpeg format. 
Also sending over the email I got from them also.
Consumer complaint received 2021-06-22
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: ERC (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (VA)

PLEASE REMOVE THE FRAUD ALERT FROM MY CREIDIT PROFILE!!!!!!! 

I did not request a fraud alert be place on my credit profile. 


Equifax will not remove the fraud alert from my credit profile!!! 
I have also placed a complaint the with XXXX because now Equifax is playing games.

You can not play games with peoples credit Your complaint case number is XXXX. You will receive an email with a link to your case within approximately 48 hours. XXXX  acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX  We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 

What Happens Next? 


XXXX XXXX XXXX XX/XX/XXXX XXXXs # XXXX XXXX XXXX XXXX XXXX VA XXXX tel XXXX
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (OH)

CrossCountry Mortgage recruiting mortgage loan officers advertising tne loan officer can make more money per product. Ie fha/va/conventional. This is an anti consumer promotion. Lenders have been restricted from selling this way.

I do not believe their policies of compensation are in compliance based upon their leading ads. 

XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (MO)

I made a mobile deposit on XX/XX/2021 for {$620.00} and was able to see on XX/XX/2021 that it had been credited. But over the weekend when I tried to access my account online, found out that it had been locked and could not be reset. I have been trying to reach the customer service at XXXX and have spent hours. On XX/XX/2021, I received a letter saying my funds are on hold till XX/XX/2021 from the bank. The reason given was that " We have confidential information that indicates that the check may not be paid ''. This a real check issued by XXXX XXXX XXXX after closing the account there, and don't see any reason why it had to be held for this long. 

I had also contacted the bank about the change in banking hours, and also why the drive thru ATM was moved inside the building. I believe someone at the bank is not happy that I raised these questions and everything that happened in the last few days is some form of retribution.
Consumer complaint received 2021-04-12
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: EQUIFAX, INC. (CA)

I have contacted EQUIFAX several times, I have provided my social security, ID, and information to verify myself. I am not allowed or have been granted access to my report directly with Equifax. There are iquires on my report that I have not authorized from XXXX XXXX. I am uploading my information directly to verify my identity.
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (GA)

I am an Amazon XXXX  Store Card holder which is financed through Synchrony Bank. I pay my current balance, which is always higher than the statement balance because it reflects purchases made after the statement close, in FULL every month. Today my current balance was {$390.00}. I paid it in full but thought it was a bit high so I decided to go through all my purchases since my last payment on XX/XX/XXXX which XXXX  out my account. I added up all the charges and the total came to {$310.00}, a difference of {$85.00}. I called customer service. The first agent I spoke to called herself XXXX. XXXX put me on hold for 25 minutes and then disconnected the call. I called back and got a man called XXXX. XXXX attempted say that the charges on my current bill included purchases from early XXXX. I totaled up the purchases for XXXX he was referring to, the sum of which amounted to the total payment I made in XXXX which XXXX  out my account. XXXX also hung up on me because he couldnt explain the extra amount on my bill. I called back a third time and got XXXX, who sounded suspiciously like XXXX and even had the same background noise of roosters crowing. XXXX tried to convince me that part of my current statement is attributed to purchases made in XXXX. Again, I pay the bill in full every month. The only charges on my bill made after my last full payment on XX/XX/XXXX totaled to {$310.00}. Synchrony/Amazon has charged me an additional {$85.00} which they can not account for and their customer service speaks volumes as to the level of thievery they have achieved, undoubtedly with other customers as well.
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

Loancare was the servicer of my mortgage. On XX/XX/2021 I refinanced and closed on this mortgage. The escrow funded on XX/XX/2021. Effective XX/XX/2021 Loancare transferred the servicing of my mortgage to XXXX XXXX. Loancare has not acknowledged the mortgage pay off in the amount of {$450000.00}. I have been trying to reach Loancare by phone and email since XX/XX/XXXX, with no response. Their phone system is a endless automated loop without any way to speak with a human. I have also sent numerous emails without ant response. In addition, they have {$2100.00} in my escrow for taxes and insurance. My credit is being damaged as well by not acknowledging payment. This is totally unacceptable. Please help.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

I recently applied for an Auto Loan and As I was getting my credit report read back to me I noticed that I had a collection debt with a company called I C SYSTEM for a XXXX XXXX account. I called XXXX to verify this account and I was told that this was opened under a fraud account with my name and address. I spoke to an agent at XXXX and I was told that I would not be liable for this account because it was a fraud account. I tried reaching out to I C SYSTEM the supposed collection agency and I get yelled at also cursing at me and they keep hanging up the phone on me. I need this removed out of my credit report from all three credit agencies in order for me to apply for my auto loan. I need someone to help me.