davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-14
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I have been trying to deal with synchrony bank care credit Synchrony bank ca

re credit calls Amultiple times a day everyday. Early in the morning, mid morning, early afternoon, late afternoon, early evening and late evening. They also email me every day morning, afternoon and evening every day. That is too much and needs to stop. Including text messages This company is aware they was notify that I am currently out of work for right now due to health. I will be returning to work in another month or 2. This company is not working with me. 

There is a lost income right now. So I am struggling. Facing financial hardship while I am out of work.

What I am asking for.

To freeze my payment for now or allow me to pay what I can. Until I am back working.

Credit back any late fees or any other fees charge.

Remove anything negative reported to Credit reporting agencies.

Lowest the interest rate Limited the calls. 







Sent from my XXXX XXXX XXXX
Consumer complaint received 2017-12-04
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Nelnet, Inc. (VA)

My daughter was attending college up until XXXX, I had moved from XXXX to XXXX in XXXX. In XXXX I pulled my credit and noticed there were derogatory reports on my credit report from a " nelnet ''. I had no idea who or what this was. So I called the company and asked what the issue was and why it was being reported to my credit report. After going through verification the customer service representative got rude, was swearing and threatening me. I again told XXXX that there was no need to use such language or threaten me and was happy to work with them to clear this off my credit report since I was unaware of this bill. XXXX did not have my recent address since I had moved out of state. When I had updated them with the correct contact information the calls came all hours of the night as shown by my cellular records after repeatedly telling them not to call. My first request to cease and desist was XX/XX/XXXX, yet the threating phone calls kept coming in getting me all worked up. The reports that XXXX have made and continue to make to my credit are false, when I explain to them it was an oversight and try to correct it, XXXX again starts swearing and telling me that they are there to ruin my credit scores across the 3 bureaus and make sure I do not obtain a good paying job of any kind. In fact when I have tried to work with XXXX to get this paid off in full so this does not affect my job search the customer service lady laughed and suggested that I go work at XXXX.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-10-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC (DC)

I was oringinally late making payment went into collection back XX/XX/XXXX but the account has been paid off since XX/XX/XXXX and they are still reporting my account in collections. I have repeatedly contacted them about this issue but they have replied back to me that they will not remove it from collections. It is reported in collections XXXX.
Consumer complaint received 2023-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (LA)

Roundpoint Mortgage Service Corporation has not released or returned my Escrow Overage After Loan Paid in Full. As to their promise to refund in 20 Days After Payoff is has now been 40 days After Numerous Calls They Claim it could be an additional 120 days or more and the Excuses and Bold Face Bad Faith Practices Continue Different Story Every Time I Contact Roundpoint
Consumer complaint received 2023-06-14
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2015-10-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I 'm been trying so hard to disputed all the wrong information with Equifax multiples times, I keep sending then information about my informationbut it looks like they do n't care, please I need your help to fix this problemright away since it is been a nightmare for me and my family
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

The week of XX/XX/XXXX I was called on a transaction that was made on XXXX and I had told them that I did not make the transaction so they were going to cancel my card and send me a new one. I then went to the bank to find out why it was taking so long for me to get my new card in the mail and come to find out that there was over {$3000.00} charged by four different companies which two of them are not even in the country. XX/XX/XXXX I opened up a claim requesting the funds to be put in my account I was denied and told that I made those transactions or somebody had my card. I said nobody has my card my card does not leave my wallet and I did not authorize any of those transactions. I sent in a letter a signed letter stating that I did not authorize any of those transactions. I also went down to the XXXX Police department to file a report and reopens another claim on the same day stating that it was not me. I went to the bank spoke to the manager several times we have several emails going back and forth stating that those transactions were not made by me I have no idea what some of the companies are. We then called the bank and had a supervisor look into what was going on they said there was a person by the name of XXXX  XXXX who tried to access my account {$230.00} times my account was never flagged through this whole process it was I was never notified by any of these transactions and if I don't get notified I'm not going to check my account to see if money is not if money is getting taken out. I'm a single mother XXXX kids about to get kicked out of my apartment because I can't afford my rent my bills are overdue I've asked many times for temporary funds I'm getting told no it's now going on almost 3 months with no answers and this is 100 % unacceptable over {$3000.00} is owed back to me.
Consumer complaint received 2023-06-14
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: CORELOGIC INC (MN)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-01-31
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GMFS, LLC (TX)

We have refinanced out loan ( # XXXX ) leaving GMFS on XX/XX/2017 ( funded on XX/XX/2017 ). Since then we continue to get the run-around regarding the refund of our escrow account from the prior mortgage company - GMFS. An example of this is them telling us 1 ) your loan was sold to another company XXXX ... after we chased that rabbit trail we discovered this was not true, 2 ) you owe us a balance to replenish your negative escrow account, 3 ) looks like we owe you about {$200.00}, 4 ) the notes show that we paid your taxes to XXXX twice and now we have to wait 15 days for it to be refunded ( {$2600.00} ) ... ound and round we 've gone with misinformation being provided. No one calls us back when they say they will. No one can provide us with a statement or summary of our Escrows. 

Additionally, we 're disputing the payoff that was generated on XXXX for our refinance. They claim an initial loan balance of {$580000.00} + interest thru XX/XX/XXXX of {$6600.00} ( our P & I payment is only ~ $ 3k, thus this clearly does not account for our payment made on XX/XX/XXXX for {$4300.00} ), but they wo n't acknowledge this + advance {$2600.00} ( pmt made to cty for taxes that were not due ) + a few misc fees = total payoff of {$590000.00}. They wo n't acknowledge that our payment was n't applied appropriately and thus they owe us that payment back for {$4300.00}. 

The most frustrating piece of the whole situation is we ca n't speak with anyone that has any information. We are only allowed to speak to Cust Service, who then sends an email to the " Client Management Dept '' who apparently wield all the knowledge and information. They will respond to our request by sending and email back to Cust Service who will then reach back out to us. However, we have been calling almost daily for nearly 2 weeks and have yet to receive a call back. Then today during our call, the Cust Service Supervisor advised that she had to provide them 48 hours and therefore we likely would n't receive a response back until XXXX, but " probably XXXX ''. Today is XXXX. XX/XX/XXXX. 

Unfortunately, because we are continuously receiving misinformation, we 're not getting return calls as promised, we 're not able to speak directly with anyone who can provide us with accurate information, and their not able to acknowledge the amount owed to us or provide us a timeline on when we will receive our money, we feel it necessary to file a complaint with the CFBP. Please help us advance movement on this, so we can get a resolution and move on.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-06-14
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2015-11-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (ID)

I sent Experian a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Experian received this letter XX/XX/XXXX ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:XXXX XXXX XXXX Account # : XXXX. XXXX XXXX Account # : XXXX. 

According to FCRA 15 U.S. Code XX/XX/XXXXi sub-paragraph ( a ) ( 7 ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA 15 U.S. Code XX/XX/XXXXn Sub-paragraph ( a ) 1 ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Consumer complaint received 2023-06-14
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. (CA)

I've provided this information along with photo evidence to Chase and they denied me my money back. I returned the products back, XXXX lost my packages, and the merchant won't return my money. 

To provide a comprehensive understanding of the timeline and events, I would like to present the following information : On XX/XX/XXXX, I initiated the process of returning the purchased purses to XXXX XXXX and contacted their customer service to request return labels. 
XXXX XXXX subsequently emailed me a link to generate XXXX return labels on the same day. Regrettably, I no longer have access to the label or the specific address that theyve provided in that label due to the expiration date. I have included photographs of the label generation email for your reference and Ive provided the links to the return labels. 

On XX/XX/XXXX, I dropped off the packages at a XXXX location, using the same box that was sent by XXXX. 

On XX/XX/XXXX, I realized I havent heard back after several weeks had passed and Im still out of money. I reached out to XXXX XXXX to inquire about the status of my return. They initiated a XXXX claim on my behalf. 

However, on XX/XX/XXXX, XXXX XXXX informed me that the claim had been denied, could not be reopened, and that I would have to contact XXXX to see why it was denied. I was not provided with any details or reasons for the denial by XXXX, making it exceedingly difficult to address the issue effectively. 

In my subsequent communication with XXXX, I discovered that I had not been provided with a claim number from XXXX XXXX, rendering XXXX unable to assist me directly. 

On XX/XX/XXXX, I examined the tracking details for my packages and was dismayed to learn that they could not be delivered and were being disposed of by XXXX. 
Frustrated by the lack of progress, I took the initiative to open a XXXX investigation through their online portal using the provided tracking numbers. 

On XX/XX/XXXX, I initiated a dispute with Chase, seeking resolution regarding this transaction. 

On XX/XX/XXXX, I received an email from XXXX inquiring whether I had received a replacement order or my original package. Unfortunately, I did not receive a replacement, and my original package remains undelivered to this day. 

I then received a letter than Chase denied my dispute.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called the credit reporting agencies including XXXX, XXXX, and Transunion to inform them that some collection accounts listed on my account credit report are inaccurate and should not be reflected on my report, as I never gave XXXX, XXXX or Transunion permission to put the following accounts XXXX XXXX ( Account # XXXX ) and XXXX XXXX/ ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  on XXXX, Account # XXXX ) on my consumer report. Also the investigation took well over 30 days, and no results have been produced. 

XXXX, XXXX, and XXXX are willingly and knowingly furnishing information on my consumer report without my consent, which is a violation of 18 US CODE 1028 AGGRAVATED IDENTITY THEFT. 1028A. 

Aggravated identity theft provided for such felony, be sentenced to a term of imprisonment of 5 years. Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. In other words, it's taking another person 's identity for fraud, false statements, or misrepresentations.
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MN)

On both my XXXX and experian credit report XXXX has listed that my account balance is for my auto loan is {$31000.00}. That vehicle was sold and the loan paid. I am no longer responsible for that account and would like the status on my reports to reflect that