davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (VA)

I have had a " Banana Republic Luxe '' card since XXXX. It is a store charge card that does not expire, and it was issued by Synchrony Bank ( card number begins with XXXX ). In late XX/XX/XXXX, I received a VISA credit card that is also labeled as Banana Republic Luxe, and issued by Synchrony Bank. This is an actual VISA card, not a store charge card ; it shows an expiration date of XX/XX/XXXX, and has a completely different account number ( begins with XXXX ). 

I am furious that Synchrony Bank would choose to issue me a VISA card, when I never applied for one, especially a card that can be used anywhere VISA is accepted.

I called Synchrony 's customer service on XX/XX/XXXX to inform them that I never applied for a VISA credit card, and they said the company has upgraded me because of my loyalty and points earned. I asked them to close the VISA account, and they did. I asked for written confirmation that this account was closed, and was told they could not send me anything in writing, and that the call was recorded and would be confirmation of the account closing. I am furious that they also would not provide me anything in writing confirming that they have closed the account, and I'm furious that they would issue me a VISA credit card without me ever authorizing or requesting one.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (FL)

Good Day, My name is XXXX XXXX, former address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. My previous FHA Loan was with LOANCARE Servicing. I sold my home in XX/XX/XXXX because I am XXXX XXXX military and had to move to XXXX LOANCARE is reporting 19 late payments on my account which is completely inaccurate and I have the bank transcripts to prove this, which have been sent to them through two different disputing agencies. There was partial payment made throughout the history of the loan by mistake from when my spouse, who was going through 2 years of XXXX and XXXX, made partial payment. Unfortunately while I was XXXX, she had to remember and cover down some of our bills. This was also provided in the dispute sent to LOANCARE. Right now I am XXXX and my Wife ( In remission from XXXX ) and XXXX year old Son are XXXX  because the reporting of my mortgage payments is false and I can not receive a new home loan. 

I would like them to report what payments were missed and what payments were late and also provide some form of documentation to me in the meantime while my credit updates so that I may in tern provide this to a new lender in an effort for a new loan. If I made a payment for XX/XX/XXXX, in XXXX of XXXX it should report as such. If XXXX of XXXX was missed, then that should report as well. At least then I can pinpoint the time and location of why the payment did not make it to the mortgage lender, for example, I received a XXXX XXXX XXXX bill in XXXX of XXXX, or I was out to sea and unable to access internet or communication devices. 

Thank you for your time and If you can provided any assistance in this matter I would greatly appreciate it. 

XXXX XXXX XXXX XXXX
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 customer service
Company: JPMORGAN CHASE & CO. (NH)

Claim for interrupted travel sent in and rejected. Resubmitted claim with appeals letter and additional documentation 4 additional times with the case number and appeal noted in the subject line. I received a confirmation email after each one. No one has ever contacted me so I called again and waited for 2 hrs on hold. Documentation was not received per the associate I spoke to. Was told two different emails to send info to. Sent information to both emails and they are not received again. I am getting no where with Chase Benefits and this has been going on since XXXX. Not sure where to go next. Thank you XXXX XXXX
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-07-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (GA)

I don't owe them anything ; I keep getting emails from these people from time to time. I never get any calls. etc. but every now and then I get these crazy emails and it needs to stop. Again, I never took a pay day loan from them. 
XXXX Re : ARREST WARRANT ISSUED_REFERENCE-CASE FILE NUMBER : XXXX XX/XX/XXXX at XXXX XXXX PrintRaw message Ms XXXX To : ACE CASH EXPRESS XXXX okay, I'm forwarding this email over to FCC, other government officials and the internet crime center, etc. I already contacted the attorney general office for my state, the state police as well as the local police. 

On Tuesday, XX/XX/2020, XXXX XXXX  EDT, ACE CASH EXPRESS XXXX wrote : ARREST WARRANT ISSUED CASE FILE DOWNLOADED LAWSUIT COST - {$2500.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) LAST DATE TO FILE LAWSUIT TODAY SETTLEMENT AMOUNT- {$300.00} ( ONE TIME PAYMENT ) This is in reference to your Case File Number # XXXX with ACS ( ACE CASH SERVICES ) in order to notify you that after sending several emails and making calls to you on your phone number, we were not able to get hold of you. So the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. 



Your account with XXXX is in Final Collections. According to our records, your outstanding balance was {$690.00} It may be possible that you may have some financial hardship with you. 

So, we are just giving you a last chance that if you just make a payment of {$300.00} by today then we will close this account as paid in full with XXXX balance. 



We do hope that you will work out with this offer. 

Or, else we won't be able to help you out. 



Do revert back if you want to get rid of these legal consequences and want to make payments within the next 48 hours or else the case will be downloaded against you. 



The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 



You can avoid this by taking care of this now. 



It is quick and easy : Do reply us right now and provide us the date on which you can make the payment. 



If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench of jury then you have to bear a law suit which will be amounting to {$4500.00} and will be totally levied upon you and that would be excluding your bail charges, your attorney charges and the due amount pending on your name {$690.00}. 



Thanks for being our customer, Best Regards, XXXX XXXX Customer Service Manager, ACS United States
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Subject : Urgent Request for Investigation and Immediate Blocking of Inaccurate Account Account Name : XXXX XXXX Account Number : XXXX Dear Equifax and CFPB XXXX I am writing to express my serious concerns regarding the inaccuracies, misleading information, and outdated data present in my recent credit report. This report has not only caused confusion but has also posed potential harm to my financial standing. I request that this account be blocked immediately due to its numerous violations of consumer protection laws. 

The following inaccuracies are clearly evident in the report : XXXX. **Misleading Information** : The report includes ambiguous terms such as " Account not disputed '' and " Account reported as a transferred or loss by credit grantor, '' without providing necessary context. This lack of clarity can mislead consumers regarding their credit situation. 

XXXX. **Outdated and Unverified Data** : The report lists inconsistent credit scores ( XXXX XXXX, XXXX XXXX, Equifax XXXX XXXX without clear indication of when this information was last verified. Such outdated data violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reports must be accurate and up-to-date. 

XXXX. XXXX Account XXXX : The report mentions various account statuses and payment histories but fails to provide sufficient details, such as the date of last activity and a clear account status. This omission violates the FCRA 's requirement for completeness and accuracy. 

XXXX. **Inaccurate Payment History** : The payment history reflects derogatory marks that do not accurately represent my payment behavior. The FCRA protects consumers from the reporting of inaccurate information that could unjustly affect their credit scores. 

XXXX. **Lack of Transparency** : Terms such as " Creditor Type, '' " Account Type, '' and " Payment Status '' are presented without adequate explanation. This can confuse consumers and is contrary to the principles of transparency mandated by the FCRA. 

XXXX. **Potential Violations of XXXX : The report includes potentially sensitive information without clear security measures in place. As per the Gramm-Leach-Bliley Act ( GLBA ), consumers have a right to privacy and security regarding their personal financial information. 

Given these significant concerns, I kindly ask Equifax to take immediate action to block this account from my credit report. The inaccuracies and misleading information have the potential to cause substantial harm to my creditworthiness and overall financial health. 

I urge the Consumer Financial Protection Bureau to investigate these practices and ensure compliance with all applicable consumer protection laws. 

Thank you for your urgent attention to this matter. I expect a prompt response and corrective action regarding my request to block this account. 

Sincerely, XXXX XXXX XXXX : XXXX
Consumer complaint received 2020-10-08
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. (NJ)

On XX/XX/2020 I mailed into TransUnion via Certified Mail XXXX, an Identity Theft Fraud Report In accordance to the FCRA Section 605 ( A ). The Identity Theft Report including all the necessary documents,, 1. the Appropriate proof of my identity,2. A valid copy of an Federal identity theft report with sworn affidavit, 3. A notarized statement from myself of the fraudulent accounts as well as a sworn affidavit stating that the account and transactions and information in question is not any accounts or transaction related to me the consumer.

TransUnion failed to block all the accounts identified in the Identity Theft Fraud Report as fraudulent accounts. This is a blatant violation of the FCRA Section 605 ( A ), ( B ). I will be taking legal action for this violation. TransUnion has 7 days from the receipt of the
complaint to block the remaining negative fraudulent account. TransUnion 's registered agent is simultaneously being served with legal process on this matter in regards to this violation. If the Negative information is not blocked I will be seeking damages for willful neglect and defamation.

TransUnion Needs to adhere to the FCRA in regards to the Identity Theft Fraud Report in their possession
Consumer complaint received 2020-10-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (IL)

In 2015, a car loan was allegedly opened in my name at XXXX with Santander. I did not sign for this car loan, nor did I authorize anyone to sign for me. The debt has now been sold to XXXX XXXX XXXX who has been taken over by XXXX   XXXX. I have submitted extensive documentation showing that I was not even in the country at the time the transaction took place, police reports showing theft of identifying documentation just a couple months prior to this incident. I also had a forensic document examiner to review the signed contract. The examiner, proved that I did not conduct this transaction. I have written to XXXX, Santander, and XXXX XXXX  to let them know of the fraudulent activity way back in XXXX. It is now XXXX and no changes have occured, the account is still listed on my credit report and it is causing harm.
Consumer complaint received 2022-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (AZ)

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on JPMCB CARD ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( JPMCB CARD XXXX )
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

I applied for this card in XXXX through the University of XXXX  XXXX and they received some benefit from the card. I used the card extensively over the years. My last use of the card was in XXXX of XXXX. Today, I received a letter from the Bank of America that informed me that my credit card had been cancelled effective XX/XX/XXXX. It was closed due to lack of activity. I had a high credit line. 
I called Bank of America with the expectation that they would reactivate my account. I was informed that once they cancelled a card, it could not be reactivated. My only recourse would be to apply for a new card. 
I asked about why there was not a notification that they would cancel if there was no activity on the card. I was told that they began cancelling cards without notification in XXXX ( about COVID time ). They had such a negative response to that policy that they have now again started to notify people when the card was in danger of being cancelled. I was just unfortunate enough to be in the time window when they di

d not notify, they just cancelled. My real complain is the great impact that this unilateral decision will have on my credit score. Since one of the
criteria is length of credit, the 24 years that I have invested in this card are gone. Additionally, the high credit limit that I had no longer reflects as available credit in my report. This also h

as a negative impact on my credit score. Finally, if I re-apply for a card, as I was encouraged to do, it will further damage my credit score since it will reflect as a new credit inquiry. I do not think it is right for a company to unilaterallty make such a decision that can so negatively impact a co nsumer. I also do not think that it is a good policy for a customer service organization, such as a bank, can not have a simple remedy for a consumer that would alleviate all of this.
A first solution would be to notify the consumer of a possible suspension of their card. To their credit, Bank of America told me that they are again making those types of notifications, but there is no solution for those situations they have already created.

A second solution should be empowerment of their customer service personnel to quickly rectify this situation where they discontinue service without notification. I presume that is a company by company decision, and I think Bank of America has dropped the ball on having a simple solution.
Consumer complaint received 2021-11-09
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY (NY)

My name is XXXX XXXX last four digits my social security number is XXXX The law office of XXXX XXXX  XXXX XXXX  XXXX located at XXXX XXXX XXXX XXXX  XXXX XXXX New York XXXX. My complaint is that the law off unlawful filed a judgment against me in Supreme XXXX XXXX of XXXX .the index number is XXXX Their trying to sue me for a credit card account thats not mine the company is American express it has a balance of XXXX dollars the debt is 15 years old. America express search under my social security number XXXX and no information was found and they told me disregard the debt and they will let the attorney know they have wrong person. I made a complaint before against attorney XXXX XXXX and crane for harassing me and my family back in 2018 with consumer protection bureau. Things were quite when you contacted him .then 2 years later as of today XX/XX/XXXX he has a third party serve me a summons to appear in Supreme Court like if I'm a criminal defendant and credit card debt is handled in civil court not Supreme Court XXXX He's been using abuse tactics also doing soft pulls by checking my credit history and trying to dig up dirt on me and claiming that I owe America express money I stated before I have a common name. But he's still harassing me. My kids and wife were terrified when I got this summons to appear in court. He trying to get me arrested for a credit card bill that owe to America express that if I don't pay this bill. Which he's doing is illegal.
Consumer complaint received 2020-10-07
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. (GA)

TO WHOM IT MAY CONCERN, I AM APPALED AT THESE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE. I NEVER SIGNED UP FOR XXXX. I AM A VICTIM OF IDENTITY THEFT. I AM ALSO APPALED AT THESE EXCESSIVE INQUIRIES ON MY CREDIT PROFILE. THESE ARE A VIOLATION OF MY RIGHTS. THESE FRAUDULENT ITEMS ARE ALSO A HINDERANCE FROM ME DOING IMPORTANT THINGS I NEED TO DO. THESE INQUIRIES AND FRAUDULENT ACCOUNTS APPEAR TO BE AN EFFORT TO HOLD MY CREDIT SCORE DOWN, SO THAT I AM CHARGED HIGHER INYTEREST RATES FOR ANYTHING I HAVE TO CREDIT QUALIFY FOR.
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. (AL)

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 XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-03-30
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. (LA)

Last XXXX I've sent documentation regarding to those inaccurate and unknown accounts Ive found on my credit report it cause me stress. Its almost 30 days now but I haven't received any response. I demand to DELETE asap or I will file Litigation.