davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
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 (NJ)

I have opened an account Business PRO with Lowes in XX/XX/2022. I was approved for {$8000.00} credit. Made reparations in my unit and during the 3 month and have ordered up to the max of my limit through out the whole renovation process from XX/XX/2022 XXXX XXXX Have returned 35 % of merchandise ( VIA PICK UP DELIVERY truck from LOWES ) that didn't feet my condo either in size like dishwasher and wall microwave and bathroom vanity and its granite top between the other expensive items. But my credit card was never credit back to me and Lowes was still charging me the whole amount like if i were never returned the items. As those delivery guys never returned the paper work to the store just just brought the merchandise the item i have returned but never put that information into the system crediting my account. I took all possible actions and i have exhausted all of them i went tot he store personally where to Pro desk just ignored me sending me to the credit card XXXX Synchrony Bank ) company where I furnished them with all my paper work of returned items, and submitting them all forms multiple times where i was ignored as well. Then i went to the store and spoke with manager of the store who gave his email and i sent him all proves of returns who also ignored me. I also wrote an email to Lowe 's consumer department they only have expressed me their condolences. I have done everything but nothing got resolved. My only option if you guys CFPB my only hope here and lastly the COURT. I'm sick and tired drugging this case for a year and no actions is taken with my case. Please i beg you help me to resolve this massive issue that put me in unnecessary debt for over {$3500.00} in losses that im still paying the minimum monthly with high interest of 24 % to Lowes for something I DONT HAVE. This is ridiculous. Never experienced that before and less i was expecting that from such a big corporation. I will provide you more details once you contact me back.
Consumer complaint received 2019-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent letters to Transunion to challenge errors or not mine accounts multiples times with Sign and return receipts ( see attachments ) and multiple times they claim to have verified without sending me actually contracts with my signature, or anything. I even sent letter to XXXX XXXX XXXX ( OR XXXX XXXX XXXX XXXXXXXX XXXX ) asking to validate or proof these account to be mine. and they failed to even respond multiple times. so have can TRANSUNION report these account to be mines? 
I'VE SENT LETTER ON THE FOLLOWING DATES : 1.XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX I WANT THE FOLLOWING DELETED FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX
Consumer complaint received 2019-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

If I wan na get loan the credit card companies give me hard Inquiry in my credit report and credit score.

Why?

I wan na buy something like phone for example when I check if they accept me for payment already my credit score get down
Consumer complaint received 2019-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MO)

I am sending my drivers license, and social security card to verify my identity. I request the security freeze to be removed from my credit profile because I cant access it online to file disputes, review responses or check my report. 
This is a huge hassle to me, I never asked EXPERIAN to place personal fraud statements on the account or send them to other credit bureaus.
Consumer complaint received 2019-08-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I made several attempts to dispute with Experian a credit card balance. This was rejected by the system. The issue, a settlement was reached on the card and paid, 45 days later this has NOT been adjusted in their database and the company did not as promised send a letter noting a XXXX balance.
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2023, I was in XXXX XXXX on a business trip. I was fairly inebriated when I walked out of my hotel room and was lured to a bar in XXXX XXXX by two women. They then convinced me to take money out of my account and made note of my pin #. That is the last thing I remember, as I was XXXX and XXXX and woke up in a park around XXXX XXXX on XX/XX/XXXX. The thieves used several of my cards and my phone to access funds from several accounts ; however, Chase Bank is the only one that has denied my claim. The thieves made transactions on XX/XX/XXXX for an XXXX ( {$25.00} ) and two non-Chase ATM withdrawals ( {$100.00} ) and ( {$200.00} ) and sent money via XXXX ( {$20.00} ). On XX/XX/XXXX I was charged 3 non-Chase ATM fees @ $ XXXX. ( {$9.00} ). They also sent a XXXX payment via my account ( {$500.00} ) and made another non-Chase ATM withdrawal ( {$63.00} ). They then made three back-to-back purchases at a XXXX nowhere near XXXX XXXX that included cash back each time ( {$200.00} + {$40.00} cash back ), ( {$200.00} + XXXX cash back ), and ( {$490.00} + XXXX cash back ). My total losses = {$1900.00}. While Chase initially credited these funds back to me, they later reversed all of them. Because the thieves used my pin code and had my card with them, they said that proves it was me. This despite my spending history in no way reflecting the transactions that took place between the evening of XX/XX/XXXX and on XX/XX/XXXX. I told the cab driver about my experience on the way to the airport and he described exactly who the women where, where they took me, and everything in between. Apparently, they are well-known for victimizing men in compromised conditions in that area and do it all of the time. I have found several stories very similar to mine online.
Consumer complaint received 2019-05-19
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. (NY)

I had applied for a XXXX account a few months ago. Upon checking my credit report with XXXX it shows 2 inquiries instead of 1 both on the same day. Having an extra inquiry on my report does not help my credit score. There was only supposed to be 1 inquiry not 2
Consumer complaint received 2019-05-19
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ECMC GROUP, INC. (TN)

XX/XX/2006 student loans that were paid off by XXXX XXXX, when they transferred to XXXX my account was obviously not properly updated in XXXX XXXX records. I have paid my loans off and get calls daily, letters that they will garnish my checks. Took my refund from taxes That I have paid OFF previous to the transfer of XXXX  My credit score is getting major impacted on these collections to ECMC. I KEEP DISPUTING THESE CLAIMS AND STILL ON MY TEPORT. I WANT THEM CLOSED AND OFF MY CREDIT REPORT. IT IS UNFAIR TO MAKE FALSE STATEMENTS WHEN THEY HAVE BEEN PAID OFF. THANK YOU
Consumer complaint received 2023-08-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I understand Rocket Mortgage can pick and chose who they provide mortgages to. My complaint is about the way Ive been treated through the process of applying for a refinance cash out on an existing loan with rocket mortgage. My loan with rocket mortgage is at 3.375 %. I understand that to refinance the interest is going to be higher. However Ive been getting my credit pulled with out the process going forward to determine if the loan will be approved. The problem is the loan officers wanted my XXXX  tax returns however I have not completed my taxes due to time. Since I am owed a refund im able to file at any time. Ive offered all 1099s which is all thats received for taxes. Ive excepted either a denial letter or confirmation of the loan being processed. I have not been allowed to have my application submitted to the underwriter. 

Also in the last 6 months to a year Rocket Mortgage has played games with my mortgage saying that my escrow is low. When I switched my insurance I was not informed by Rocket Mortgage that any refunds provided may need to be provided to ensure that the escrow account is paid in full so when the XXXX renewal date returns youll need to be paid up evenly. They kept playing games till my payment were almost {$1700.00} a month. At this time I canceled my principal only payment to reduce my principal at a quicker rate. 

Now ROCKET MORTGAGE had no problem with my payment being {$1700.00} a month, without reaching out saying if you received a refund we can apply it to escrow to stop your payments from increasing. Nor are the loan officers willing to submit it to underwriting for an approval for a refinancing with a cash out option. My reasoning for the loan is to get my debt paid off and remodel the inside of the house. But with loan officers picking and choosing who is presented to the underwriters prevents the loan from being approved or denied.
Consumer complaint received 2019-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

XXXX XXXX XXXX {$2200.00} There is no contracts, no valid claims ... account was settled original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (CO)

About XX/XX/XXXX I incurred medical expenses not covered by insurance.

About XX/XX/XXXX I settled with the collection company for medical providers and paid in full. It was agreed that the amount paid would satisfy all outstanding debts.

XX/XX/XXXX Commonwealth Financial of Pennsylvania purchased this debt and reported to my credit without contacting me. I received no letter, email, or phone communication from them. Is it legal to purchase debt that has been paid in full? I don't think so. They are claiming debt for the full amount of the original debt which was settled and paid. 

In any event, it is past the statute of limitations in Colorado. 
I was not given opportunity to dispute the debt with Commonwealth Financial which violated Credit Law. 

They reported to my credit on XX/XX/XXXX and damaged my credit.
Consumer complaint received 2019-05-19
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. (NY)

I had applied for a XXXX account a few months ago. Upon checking my credit report with XXXX  it shows XXXX inquiries instead of XXXX both on the same day. Having an extra inquiry on my report does not help my credit score. There was only supposed to be XXXX inquiry not XXXX
Consumer complaint received 2019-05-16
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

NISSAN MOTOR ACCEPTANCE {$2200.00} There is no contracts, no valid claims ... account was settled original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2023-08-23
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. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-08-10
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 was reported 30 days late in XXXX XX/XX/2019 for a credit card account with XXXX. I submitted a dispute to experian on XX/XX/2019. The experian update shows me 30 days late in XXXX and XXXX of XX/XX/2019. XXXX is reporting that the monthly payment due in XXXX was {$240.00}, however, the online payment portal showing payment due shows {$140.00}. I raised this issue in XXXX XX/XX/2019 with a phone representative, who explained that I was formerly in the Hardship Program paying $ XXXX monthly, yet upon completion of the Hardship Program in XXXX the online portal system had not yet been updated, and that I had missed a payment forfeiting the benefit of the Hardship Program. I was told that if I missed a payment then the full higher payment would be due, calculated to be the higher amount prior to the Hardship Program. HOWEVER, when I called XXXX to complain, the phone representative explained that if the Collection Representative who calls is not an employee within the Hardship Department they will not be able to read the consumers account correctly to advise them on the correct payment to be made. When the Collection Representative called me in XXXX and XXXX seeking payment they asked me to pay the amount posted in the online system. One also noted that I made a double payment in XXXX and did not understand why their computer system identified my name to be called. Also in XXXX the payment payment says the minimum due is {$240.00} by XX/XX/19. Yet the online PDF paper statement says the minimum due is {$530.00} by XX/XX/19. The portal has never reflected the amount {$530.00}. This is a miscommunication to me as the consumer. The payment portal should accurately reflect the minimum due for XXXX, which is {$530.00}. Consumers should be able to rely on the information in the payment portal and not have to double check by launching a PDF to confirm the accurate amount. Therefore, I think it is unfair to consumers for XXXX to have an expectation that consumers pay an amount that is different than what is posted in the payment portal. It is an unfair business practice for XXXX to list an amount due in the payment portal, yet print a different amount in the Statement that Collections Representatives have not been trained to discuss with Consumers.
Consumer complaint received 2019-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Securus J Holdings, LLC (NE)

I attempted to send {$25.00} to someone through their service on XX/XX/2019. They charged {$6.00} for their fee. The person never received it. I called them and they told me to wait a little longer it was still pending and it was my banks issue. I waited longer and it still did not go through. I called again and a new representative said it was a known issue and needed to be canceled and refunded to me and I would need to start over. They cancelled it, and I never received the money back in my account. They said it was my bank. I contacted my bank several times and XXXX XXXX said no money was ever refunded to my account. XXXX XXXX sent a letter saying they investigated the issue and JPay never refunded any money back to me. JPay has not responded to my complaints or emails. I want my money back. This is theft.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00} XX/XX/XXXX Reported : XX/XX/2019 {$79.00} There are no contracts, no valid claims ... accounts were settled original with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2019-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (NY)

I received an alert via my XXXX XXXX alert monitoring service informing me that I have a debt collection derogatory mark on my report with a company called Franklin collections via XXXX XXXX XXXX for over {$450.00}, on XX/XX/2019. I do not have any collection accounts with XXXX XXXX XXXX as they are my cellular service carrier whom i pay monthly for well over 10 years. I have never been notified of this via XXXX XXXX XXXX or any collection agency. I have also been a victim of identity fraud and have notified the IRS AND have a freeze on all three of my credit reports and have locked all three so i would need to be contacted and have my information verified prior to opening any new accounts. This has been in effect for well over 8 years now. I attempted to reach Franklin collection and they stated unless i give my ssn they can not help me, I refused to provide my ssn b/c if you are stating i owe you should have my ssn and I should be able to verify via another method. Due to my being a victim of identity theft I do not give out my ssn as instructed via the credit reporting agencies. I also never received any notification via XXXX XXXX XXXX who again I currently have cellphone service with, requesting any collection and I reached out to XXXX XXXX XXXX and they stated also NO, I have no collection accounts on their behalf. I do not know of this Franklin collection account. I submitted a dispute via credit karma on XX/XX/19 & received a response today XX/XX/19 @ XXXX stating this account was verified and is correct?! How so, it took a month to verify and what steps were taken in the verification process, no one reached out to me to inquire about anything. Please help me with both XXXX  XXXX XXXX XXXX this is fraud.