davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

XXXX XXXX XXXX - Synchrony Bank I called ( XXXX ) on XX/XX/2021 to pay off remaining balance on this card of {$700.00}. I had closed the account about two years ago, and was just making payments. XXXX with Synchrony Bank, handled the call and we did a bank XXXX withdraw from my XXXXXXXX XXXX Account for {$700.00} with a confirmation number of XXXX. 
This morning, XX/XX/2021, I received an email that my XXXX account was overdrawn by {$440.00}. After checking the account online, it showed that Synchrony Bank withdrew {$700.00} twice for a total withdraw of {$1400.00}. This was of course unauthorized. 
When I called Synchrony Back this morning, they immediately said there had been a mistake on their end and they'd send me a check for {$700.00} within 7 to 15 business days, which was their policy. 
I explained that I'm a retired senior on social security with a fixed income and wanted the money restored to my account today since it was their fault. They said their was no way for them to do that and I'd need to wait for the check to get mailed.
Consumer complaint received 2022-10-08
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. (FL)

in accordance with the fair credit reporting act.the list of accounts below has violated my federally protected consumer rights to privacy and confidential under 15 usc 1681. 

account name : # XXXX, account name : # XXXX, account name : # XXXX 15 u.s.c 1681 section 602 a .state i have the right to privacy 15 u.s.c 1681 section 604 a section 2 ; it also a state consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681c. ( a ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 u.s.c 1681s_2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (PA)

Mr cooper approved this pandemic forbearance without my consent it was approved i suspect only after a modification mishap. When I asked for this pandemic forbearance thingy prior but it kept saying denied ( i went online to their website many times to renegotiate and it would go through the process until the very end it would give a error indicator or something to that effect ) i also highly suspect then it went on my credit derogatorily ( cause i was getting the calls and then the notice from the third party under the door ) for a while then this forbearance is miraculously approved again!! Now this pending modification I never started is here on my behalf how can this occur without my involvement whatsoever. You get teh merits and benefits of the law by diligently doing things to protect your investors and your staff artfully schematically narrate legal grays but im certain i would have to sign off on this or something casue when i clamored for it i got rejection and double talk then mircles start happening out of the kindness of your heart and still im left in the dark eventually paying more ( this debt and my credit ) while your numbers look good
Consumer complaint received 2021-08-19
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. (NV)

For background : in 2015 I was going through a divorce and needed to get rid of my ex-wife 's car under my name. I talked to XXXX ( XXXX XXXX XXXX ), and they said I could take this car back to the dealership essentially, " give it back. '' I did this at the end of 2015, taking the car to XXXX of XXXX in XXXX, Maryland. Two month later, XXXX sent me a letter saying the car would be " repossessed and sold at auction '' if I didn't make payments, and a month later the car was sold. At this point they had already had possession of the car for 3 months and had stopped sending me bills so this was confusing. I spoke to XXXX XXXX XXXX, the woman said they sold it, sold off the remaining debt, and I owed them nothing. She also said I didn't own any third party debtor, that as far as they were concerned the account was closed. 

Fast forward 6 years, and no one has ever contacted me for any debt. I have no current account at XXXX, and they can't even look me up by my Social Security Number. Yet, All 3 credit bureaus showed there was about $ XXXX ( the amount written off ) balance, but {$0.00} owed. This was fine, except one of the credit bureaus showed a monthly reported payment status and I was trying to correct this. 

Using the XXXX XXXX app, I disputed the current balance at XXXX. It should have been a {$0.00} owed balance. They looked into it, and in the end they decided the balance was correct and changed it to an ACTIVE account, making my credit score drop 124 points! The problem here is I'm currently in escrow and buying a home. I close in 2 weeks and this puts my home purchase in jeopardy. I reached out to XXXX but since I'm currently on a work assignment in XXXX XXXX, XXXX, I'm only able to reach them through XXXX messages. I haven't gotten a response there so far. 

Please help! Not only is this a closed account, but I owe {$0.00}. I have no idea who I would even owe this to. It's not XXXX - I checked. No one else ever contacted me for any debt. It's a complete mystery and should be off my account.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

There are several accounts reporting on my credit file that is inaccurate or not mine : The following accounts is inaccurately reporting that I was late : XXXX XXXX - Date Open : XX/XX/2016 ; Bal : {$11.00} ( XXXX, Experian, XXXX  ) The following accounts do not belong to me ; this account is a result of identity theft : XXXX - Date Opened : XX/XX/2016 ( XXXX  ) ; XX/XX/2016 ( Experian & XXXX  ) ; Bal : {$0.00} The following are unauthorized inquiries : XXXX XXXX ( 3 TIMES ) XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (CA)

I bought a used XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, California on XX/XX/XXXX. According to the salesman, he said I got approved by XXXX XXXX  for my auto loan. According to the contract, I financed {$50000.00} with the monthly payment of {$900.00} starting on XX/XX/XXXX. Today, XX/XX/XXXX, a lady called me and said she is the director of the Finance Department from XXXX XXXX XXXX. She demanded a check of {$55000.00} to pay off the car I just bought, which I was fully surprised about. I asked her what was happening, and she said she saw the note that I will bring a check of {$55000.00} to the dealer. I was confused about the information she just said and did not understand what was going on. I mentioned to her about XXXX, who works at XXXX XXXX XXXX finance department and also worked with me to finish the documents the day I bought the car. About 3 hours after the conversation with the director of the Finance Department, XXXX XXXX XXXX. I received a notification that someone just ran my credit report. There were 2 credit reports under Ally Financial on my record today. I called XXXX XXXX XXXX, talked to XXXX. and asked her what was happening. She said there were some mistakes on how they process the documents. I was upset and asked why they ran my credit again without my permission. She couldn't answer my question. I also questioned her about why I got my auto loan from XXXX, but the dealer ran my credit report again today. She said will get back to me when she has a chance to talk with the director. I told her I will file a complaint to the Consumer Financial Protection Bureau about this matter. I have the proof as the voicemail from XXXX XXXX XXXX as well as the contract I signed.
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (PA)

I have hard inquiries showing on my credit report that doesnt belongs to me. I did not give these creditors permission to pull my credit report and Im sure that these inquiries are a result of fraudulent activity or inaccurate reporting by the creditor burea. I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.
Consumer complaint received 2021-11-06
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: EQUIFAX, INC. (NY)

XXXX XXXX on my credit report ( XXXX, XXXX, equifax ) that open on XX/XX/XXXX, it was a result of an identity thief, someone use my infos to open these accounts and I requested that they blocked these infos immediately and didnt get any results for the last 2 years after I sent ftc report 3 times also theres an address that end with the zip code XXXX that its not mine on my XXXX I want to be remove immediately XXXX XXXX XXXX that open on XX/XX/XXXX without my permission that must be remove off XXXX, Equifax and XXXX. 

XXXX XXXX that open on XX/XX/XXXX, they claimed I had 6 late payments and thats not accurate, I want the late payment remove from XXXX, XXXX and equifax XXXX XXXX XXXX open on XX/XX/XXXX, XXXX and Equifax removed but XXXX still didnt remove it
Consumer complaint received 2024-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

XX/XX/2024 XXXXXXXX IC System XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX RE : Dispute of Debt under 15 U.S.C. 1692g To Whom It May Concern, I am writing to formally dispute the debt referenced in your correspondence dated XXXX, XXXX which you claim I owe. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I request that you provide validation of the debt you allege I owe. This includes the following : 1. The name of the creditor to whom the debt is allegedly owed.

2. The amount of the debt.

3. A copy of any judgment, if applicable.

4. Evidence of my responsibility for this debt, including but not limited to a signed contract, account statements, or any other documentation that substantiates your claim.

As stated in 15 U.S.C. 1692g ( a ), you are required to provide this information within 30 days of receiving this dispute.
During this period, you must cease all collection activities unless you can provide the requested validation.

Until I receive proper validation of this debt, I request that you cease any further collection efforts. Additionally, please ensure that this dispute is properly recorded with the credit reporting agencies, as applicable, to avoid any potential inaccuracies on my credit report. Please be advised that failure to provide adequate proof of the debt may result in legal actio
ns, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or the Federal Trade Commission ( FTC ). 
Thank you for your prompt attention to this matter
Consumer complaint received 2024-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (AL)

Company refused! Locked me from accessing my account. I provided all requested info. Barclay acknowledged receipt but still refused access to info. VERIFIED ACCURACY, still kept me from my account. All I want is for Barclays to my account and to provide me monthly statements.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX XXXX from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX  XXXX XXXX XXXX - balance is showing charged offed ; was {$8800.00}, account number not listed.
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (PA)

I have disputed this account because it is INACCURATE. I received a letter from Aargon stating that they received my FRAUD DISPUTE. I did not say the account was fraud, I stated that the information that they sent was inaccurate, incomplete, unverified, and illegal. I disputed this account here last month, and you assisted me greatly, however, the stall tactics that are being used against me are unacceptable, please help me!
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CA)

I am in a process of buying a property. 
Mortgage officer is XXXX XXXX, the company name " Guaranteed Rate ''. 
NMLS ID : XXXX I was promised particular interstate of 3.75 % and particular monthly payment on it. So I paid earnest money deposit, inspection fee, appraisal fee etc in order to move forward towards closing. 

However, right before closing, he increased an interstate rate and of course all other monthly costs are now was also increased, even though he promised to keep the interstate rate locked no matter what. 

I am not agree with new terms. So now I am going to lose all the money I put into buying process, which is more than {$3500.00}.
Consumer complaint received 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Solar Mosaic LLC (TX)

I obtained a Mosaic loan for solar panels installed on my home. Paying each month was a hassle due to their system being old and problematic so I signed up for automatic payments. This worked much better until the payment amount changed. I received notice the amount was changing but not the the new amount nor when it would change but I wasn't concerned because I was aware it would change and I had automatic payments set up. 3 months later I get a late notice on the difference of the original amount and the new amount which didn't make sense. I had no idea when the new amount was due nor what it was and I saw the old amount still being pulled on the correct date as usual. So I called and settled the account right away for the difference plus made sure the new amount was updated. I then saw it come up on my credit report as a late payment. The payment was NEVER late. They collected the incorrect amount on my automatic withdrawal. When I called to dispute it, I was told it was my responsibility to update the automatic payment amount and to know how much and when. After numerous calls, I FINALLY got a representative to tell me that because I paid XXXX day later than when they report late payments, it was marked late even thought it wasn't AND that they should have update the automatic withdrawal amount. He also confirmed they never sent the amount nor the date. So, he escalated for me ( this was after much pressure on my part because this company has no actual escalation path nor direct phone number for disputes ). They are basically saying this mark shouldn ' be a big deal and take no accountability and 'no one can help you '. It has taken me from 100 % payment to 99 % and can be on my report for YEARS. It's XXXX thing if I was late but I wasn't and I never am late and I had automated payments to avoid the issues with this company with payments from the start. I absolutely do NOT accept this mark as valid and this company seems to feel they can just mark my credit for THEIR error with XXXX repercussions. When they first refused to connect me with someone to discuss this issue I said I will report you for credit reporting fraud and the rep actually said XXXX should do that because there won't be anyone here that can look at this. ' Sad.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I've been disputing my credit file with XXXX, XXXX  and Equifax  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts ... ... Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide. Last payment does not coincide, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2021-08-02
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. (GA)

Without my permission or being contacted in any form or fashion, XXXX XXXX pulled my credit report ( HARD ) on XX/XX/XXXX, by this company. I did not request a pull of my credit report for a mortgage, and this is FRAUD. When I tried to call the company, the XXXX number would not go through, and I tried multiple times. I called the next number I found on their website and never could reach a live person to speak with about the false and unauthorized pull of my credit report. The inquiry is showing on my credit from all three bureaus. I have put a fraud alert on my credit report through XXXX  and Equifax. I want it removed from my report ASAP from all three bureaus as it affects my credit and states it will not be removed until XX/XX/XXXX. Further note, I never contacted this company or any other company about refinancing my mortgage at this time. 

Company information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-23
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of inquiries that do not belong to me or were opened without my permission. 

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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.