davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX .... Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXX Balance : {$33.00} ; XXXX XXXX XXXX XXXX Balance : {$320.00}
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611, it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress it caused me
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

Over the past few months, Synchrony Bank has been slowly dismantling my credit accounts with them. Theyve taken away my home repairs account and most recently my discount tire account. My standing with this institution has been perfect. Always on time payments including large payoffs and yet they turn around and cut off two of my most important cards for my families home and our vehicles. Shame on this pathetic excuse for a bank. Obviously they do not look out for people. I know Ill get some canned response from them but frankly I dont want it. Its disgraceful what theyve done, cutting off two important lifelines. I simply can not say enough how upset I am with this lowly so called financial institution. Stay away from Synchrony bank!
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have sent several letters to the reporting agency with no prevail. When i sent these letters I will attach the letters I have sent. 

After the letters was sent I have not received an response from either bureau. 

I have sent several letters for accounts to be verified and validated with the credit bureaus. 

Not only have I not received a notification stating that they accounts would be looked into for their accuracy for reporting, For the following accounts : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX I simply asked for these accounts to be verified as mines. 

This is over the course of 4-6 months.
Consumer complaint received 2022-09-27
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Go Capital Holdings, LLC (TX)

Number XX/XX/XXXX Date Generated General Account Info Account Name GO FINANCIAL Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Repossession. {$12000.00} written off. {$12000.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX XXXX XXXX   {$0.00} Original Balance {$12000.00} Highest Balance {$0.00} Terms 72 Months On Record UntilXXXX  XXXX I spoke with this company numerous of times about hardship before they basically rejected my payments they sent me letters constantly called me and talk with me and i communicated with them i even sent them my XXXX papers and my laid- off papers explaining to them they can give me another week i can have my payments caught up even the week before they came pick up the car they had my debt card numbers and my checking account numbers i had set up numerous of payments arrangement made arrangements with customers reps and they still sent the towing repo man out to pick my car up they told me they didnt want ant money from me unless i had the XXXX for the car in full on my old phone that got destroy. I recorded the conversation with the lady that told me i can pay half and they will give me time next thing i know the repo man was knocking on my door coming to my job i was leaving the doctors appointment getting my check up from whre i had XXXX and i even explain to him showed him that i had the money to get caught up on my payments and he said well please called them and try to work something out i want take the car this time the next day after speaking with again trying to work something out they wanted me to come up with XXXX in 24 hours thats the only way i was able to keep the car and then i try reaching out to this company they tell me sorry its under new management they dont see my account but still reporting it to the agency
Consumer complaint received 2019-05-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

My mortgage was sold to Carrington Mortgage Company by XXXX XXXX XXXX, which are both from XXXX. The mortgage was sold to Carrington Mortgage in XXXX and I have been trying to work with them for a loan modification. Well in XXXX, I was informed by Carrington Mortgage I was put on a temporary modification which my payments switched from XXXX to XXXX. I immediately informed Carrington on why the increase in which they had no explanation or they did not provide one. So, I attempted to make the payments which were on time until a flood occurred in my home. Once again I immediately contacted our service provider as well as kept them inform of everything going. Soon after that my husband took ill and had to have a transplant while we were located temporarily in a hotel. The transplant took place on XXXX of XXXX with us still trying to pay the mortgage along with the deductible. I then informed Carrington Mortgage I was having problem making the payments and could I go for a permanent loan modification. I have been dealing with them losing my paperwork after paperwork and being told one thing after another. I want help in keeping our home it being our first resident and really don't want to loose it because of miscommunication. Because I feel I have done everything they require and they come up with excuses. Today I was told my paperwork needed to be updated once again after mailing them a package on XX/XX/XXXX. Which they once again stated they did not have and I also have proof of every fax I have sen to them for paperwork requested by them. The customer service reps are rude and really are not knowledgeable. They went as far as to supply false information to get my family hopes to be told the program had not been in affect since XXXX.
Consumer complaint received 2022-09-23
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : 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 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I submitted a balance transfer with Citi cards on XX/XX/XXXX, after clarifying the terms with a representative that I would need to pay off all other purchases except the balance transfer amount to avoid interest. I paid {$160.00} to do this balance transfer. 

I have just received my XXXX bill where I was charged interest of {$76.00} and I am now being told that I would need to pay off the entire balance transfer as well to avoid interest. I would not have done the balance transfer if I knew these were the terms.
Consumer complaint received 2021-08-12
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. (TN)

My protection 's privileges have been violated by this bureau and they are clearly violating the federal law. This bureau reporting misleading accounts on their website without my written consent and this is another violation as well. It is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unbiasedness, and protect the consumer 's rights to privacy. Their carelessness has caused me pain and I'm looking for litigation.
Consumer complaint received 2021-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NC)

MRS has contacted me claiming to be a debt collector via text me 8 times and called me 3 times starting XX/XX/XXXX for a debt of {$60.00} on behalf of XXXX XXXX ( who I have not had service with for over 18 months )
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-05
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: ACIMA CREDIT, LLC (TX)

On XX/XX/2021 I noticed an unauthorized charge on my XXXX checking account for {$260.00}. The company listed was called Acima Credit, for a loan XXXX. I never heard of this company so I disputed this charge with XXXX on XX/XX/XXXX. I also checked my credit report with XXXX, which showed an unauthorized loan for about {$5800.00}. I disputed this charge with XXXX at about the same time, and they reported on XX/XX/2021 that they would not remove this false account from my report. I also contacted XXXX about the sames time and they could not confirm that this was a bad loan, unauthorized by me. 

XXXX XXXX  purchased XXXX on XX/XX/XXXX, and subsequently on XX/XX/XXXX there was another unauthorized charge on my XXXX checking account for {$260.00}. I also disputed this charge with XXXX XXXX. 

My dispute is with XXXX for not removing this false loan from my report, and I also dispute with Acima Credit this loan. I did not authorize this. Thank you for your help.
Consumer complaint received 2019-05-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I still have not received requested original loan origination documents regarding the letter I wrote on XX/XX/XXXX to Bank of America. My letter was in full detail in regards to the documents that I requested as well as notarized and proof of services as well that I sent to Bank of America. I ; m again requesting all documents and, original check payments made by me from XXXX to XXXX or alleged HELOC money withdrawal checks made by me. As well as all original loan documents as stated in my letter. Because there are several discrepancies regarding the HELOC. Also Bank of America is trying to Evict me from my home by using my spouse name to do the Eviction as if we have no connection to one another. Bank Of America is using XXXX XXXX XXXX XXXX XXXX as a cover up for the Eviction when XXXX XXXX XXXX XXXX XXXX stated not to have a record of my home or any involvement with my home several time via email.
Consumer complaint received 2023-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (DC)

I am a third year XXXX  resident with XXXX K in debt and make less than federal minimum wage for the hours I work which is XXXX hours a week. I am being penalized despite 8 weeks ago reaching out to my loan servicer to know what to do. Essentially I was under XXXX, my estimated payment was {$220.00} for month. I couldnt afford it so I called the rep what to do. She said to consolidate my loans and re certify with my 2022 W2. Thats what I did. 

Flash forward a month and Im on XXXX refreshing to see if with recert my payment is XXXX. Wait a minute all loans are gone now? Looks like someone made a payment. Called my parents so confused to see if they had XXXX laying around randomly paid. Mom said looks like loans got transferred. I was never notified and would have never known unless I checked XXXX. I call them they said my money is at XXXX. This is after being on hold for 3 hours twice a day. The apologized for misleading me, and giving wrong info but they can no longer help as they money is not with them. I call XXXX who says XXXX is my loan servicer. Then im on hold with XXXX for hours, also saying the money is not with them. The narrative switches after hours on hold that my new provider is Mohela. That they processed a direct consolidation loan and bc I didnt respond in 10 days ( NEVER RECIEVED A NOTICE OR WHAT TO DO!! ) theyre consolidated and unsure what the interest rate or monthly payment will be. So XXXX bc thats not what I wanted to do! XXXX led me astray. 

Now I call mohela, they see that they are my servicer but dont have my info or money. My money is now in transit so where with no one so no one can process my app or give me a quote. Mohela said in this time period nothing to pay. I am so stressed out bc I took the time to try to figure this out 8 weeks before now they have completely XXXX XXXX and my life because of the misinformation. I worked too hard for this to affect my lifeZ I am afraid something will go wrong. I am so stressed and unsure what to do here. How is this ethical or legal? Any advice will be appreciated. Im afraid and unsure if my SAVE application will transfer over. Seems like XXXX cancelled it and just consolidated it with est payment of over 1grand which is what Im afraid will carry over. If anyone has been in this position please reach out at XXXX.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (ID)

In XXXX, XXXX Chase Credit Card charged me for hundreds of XXXX and Audible books from XXXX dated in XXXX, XXXX There are way to many charges to list. My XXXX account has no record of these charges and I did not make them. These charges amount to around {$400.00}. Chase has no idea where these charges came from or why if the charges were made in XXXX, XXXX that they were not billed to me until XXXX, XXXX. 

I have had numerous conversations with the fraud department at Chase to no avail. I have an account in good standing for over 20 years. If needed I can send copies of my Chase statements.
Consumer complaint received 2019-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (GA)

Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. Company failed to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt.
Consumer complaint received 2022-09-27
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: JPMORGAN CHASE & CO. (CO)

I had booked XXXX flights for myself and my partner through the Chase Ultimate XXXX XXXX on XXXX XXXX, 2022. The airline, XXXX, changed our route without my approval/consent and so I had reached out to XXXX to cancel my flight. I was told that since it was booked through Chase, I would need to contact Chase to cancel and receive my refund. I have called Chase multiple times, have been on hold for hours, talked to multiple different agents and managers who have not been able to provide a resolution or provided me with the refund of XXXX points and {$460.00} with the total value of {$2400.00}. I had to open a new credit card to be able to rebook this flight because Chase is unable to provide me with the refund. It has been at least 2.5 months of trying to resolve this with Chase who still insists that they are unable to provide me with a resolution. Today, XX/XX/2022 I am being told again, that this will take another 1-2 billing cycles. No one seems to be able to help me get my points and funds back and we are approaching the 3 month mark. Please resolve this issue and relieve me of this extremely stressful and frustrating situation. I don't understand why Chase can't refund me back the points and the funds, which I have already paid for by the way - since I pay my balance in full every month.
Consumer complaint received 2022-09-23
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. (NV)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$16000.00}