davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

There is an unauthorized inquiry on my credit report that I did not authorize or initiate. This inquiry is harming my credit score. I contacted the creditor to dispute it, but they have not offered proof of my approval or taken steps to remove it. I request its prompt removal from my report. ''
Consumer complaint received 2020-02-17
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: The Bureaus, Inc. (NY)

There is a fraudulent account reporting on my credit file ; The Bureaus ( Original Creditor XXXX XXXX XXXX_XXXX XXXX This account was opened fraudulently and currenly has a balance of {$1000.00}. 

I have requested multiple times for this account to be dissociated from my name, and to be removed from my credit. 

As of XX/XX/2020 its still continuing to report on my credit. Please remove this fraudulent account from ALL three bureaus.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

I am writing to file a complaint about an affiliate website with Chase, XXXX, and XXXX XXXX about their misleading information for the benefits of credit cards. 

I read an article on the site stating that I can get 33 free nights after I applied for the Chase IHG credit card. However, I found that the bonus was actually XXXX points, which were only enough to redeem for 4-5 free nights, far less than the 33 nights as they stated. The website has a bunch of articles like this. 

What concerns me is they are using misleading advertising in XXXX, and sending the users to the application pages in English. Some people may not read the English terms carefully and get the wrong information before they apply. I hope the banks and their affiliate can remove all misleading advertising. 

Thank you.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MA)

I noticed my Best Buy card balance increased, when I called I was told the balance was due to zero finance interest expiring. I'm being charged {$900.00} on a {$34.00} balance. The representative assured me it would be removed once the {$34.00} was paid which I did while on the call. The {$900.00} has not been removed. Best Buy website does not allow for allocation of payments made. If you're making on time monthly payment additional payments I would think the funds would be allocated to cover charges made on zero interest plans.
Consumer complaint received 2020-01-24
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. (FL)

Todays date:XX/XX/XXXX Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX/XXXX Reported : XX/XX/XXXX + {$910.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the  court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission. 
XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, fl XXXX
Consumer complaint received 2021-01-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

On XX/XX/2020 we signed the paperwork to accept the Loan Modification conditions that Fay Servicing gave us. We were to make 4 trial payments of {$840.00} starting XX/XX/2020 til XX/XX/2020. We completed these payments but have yet to get the final paperwork for the modification to be complete. Fay Servicing is aware of this, but they continue to send me hairdressing letters about foreclosing on our home. 

I can not make payment by their automated system I have to talk to a representative and each time I have to go through the whole process because the person on the phone thinks my mortgage is in default. This is continuing to ruin our credit and all we hear is the paper work is being prepared. 6 months is a long time to wait on paperwork. I am wanting this completed and our credit to reflex our timely payments. I email and call frequently but get the same story " they are working on it ''. 

We just had our roof replaced so now they are going to have the insurance check to hold, and I read if the mortgage is behind they don't have to release it, the work has been done and the roofers need to get the final payment. I want this corrected and fixed so we don't some how lose our home, we have done our part now Fay Servicing needs to do theirs.
Consumer complaint received 2020-01-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (NJ)

PayPal keeps closing this case for a merchant who is making illegal items AND I have not / will not be receiving anything of what I have ordered as the order was cancelled. Paypal has not shown any response from the merchant. Paypal is essentially allowing the merchant to keep my money while delivering no products, and PayPal is providing no response to me ( the consumer ) as to why this is happening - despite guaranteeing a refund to me via telephone on XX/XX/2020. 
Case details Seller information XXXX XXXX XXXX 
XXXX Transaction amount {$130.00} USD Transaction ID XXXX Invoice ID XXXX Date reported XX/XX/2020 Your notes XXXX XXXX XXXX is blatantly violating copyrights and I have asked to cancel my order. I have reason to believe they will not respond. 
Your responses Date added XX/XX/2020 Your notes Why does PayPal keep closing this case for a merchant who is making illegal items AND I have not / will not be receiving anything of what I have ordered, and I do not want to do business with this merchant for all the aforementioned reasons? You have not showed any response from the merchant. The merchant is essentially keeping my money and delivering no products. If PayPal can not resolve this immediately, I am going to have my attorney get involved and I will be filing a CFPB complaint against PayPal. 
Date added XX/XX/2020 Your notes Please see the three attachments and contact me directly if you have any questions. I received no notice when you closed the dispute and I dont see  any response from the seller. I did not receive anything from the seller and I deserve a full refund, as I do not want to purchase illegal counterfeit items. 
File XXXX XXXX XXXX Your conversation with the seller You XXXX  XXXX XXXX is blatantly violating copyrights and I have asked to cancel my order. I have reason to believe they will not respond. 
XX/XX/2020 at XXXX XXXX  PST
Consumer complaint received 2016-09-08
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE (GA)

On XXXX XXXX, 2016 I went to the Western Union @ XXXX XXXX XXXX XXXX, XXXX, GA XXXX ph # XXXX @ XXXX. The agents name was XXXX XXXX who transferred money he had not reviewed the tape yet, therefore, I called Western Union customer service at XXXX from transaction # XXXX for {$800.00} from XXXX XXXX XXXX in NJ. While I was there a female customer was too close for comfort ; so. I turned around to see what she was doing. XXXX XXXX was counting the money so when I turned back around he gave me the money without doing a recount for its trustworthiness. I left the store and went to XXXX XXXX a few blocks away and came home without buying anything. I counted the money the XXXX XXXX had given me which was {$700.00} short by {$100.00}. I called the store back and made an appointment to review the store 's security tape @ XXXX, but due to a transportation problem I need to go earlier around XXXX. XXXX XXXX said no, but he would call me back at $ XXXX. He called me and said he did not review the tape but, would call me the next. This happened again, but he would never review the tape to clear up the error. After least XXXX calls I ask for his manager 's name which was XXXX @ XXXX. He too has given has put- off since XXXX/XXXX/2016. I called today on XXXX and XXXX and XXXX the agent referred me to their website @ https : //www.westernunion.com/us/en/file-complaint.html # GEORGIA to file a complaint by state. This directed me to the Georgia Dept of Banking and Finance more, which redirected me to CPFB.
Consumer complaint received 2020-01-24
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. (CA)

I tried to refinance my car today XX/XX/2020and when they ran my credit, they told me that I did not qualify because of my poor credit. My loan officer went over the accounts that were reporting negatively on my credit and none of those accounts belong to me ; I did not open any of those accounts nor did I allow anyone to open these accounts on my behalf. I still don't know who opened these accounts but I already filed a police report. I did not gain anything from these accounts such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts nor did I make any purchases. I do not have any relationships or contracts with any of those companies.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

When I checked my credit report this morning, I was shocked to see accounts that dont belong to me. I always check my report and have never had this issue, but now there are errors out of nowhere. I even refreshed my browser, thinking maybe it was just a glitch, but that didnt help. The wrong accounts are still there. XXXX pleading for my submitted documents to be properly reviewed so I dont have to worry about this kind of mistake happening again.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have tried to communicate through different means and I never get a direct response with an agent or employee. They report different Names where it affects me relatively to obtain lines of credit in any company. Therefore I want the error to be corrected and only my correct Name appears
Consumer complaint received 2020-01-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (NC)

This complaint is against PayPal and it's bank.this company has no Grace period on payments and I have already caught them charging a XXXX dollar late fee in such a way that it was dated the exact same day payment was due and this month I payed on the XXXX and it was due on the XXXX so I have been it with the XXXXdollar fee and then the interest, try to close the account the one time that I did call and I was told that I could not do that till balance is paid, simply put I was attempting to stop the amount from getting out of control, furthermore this company advertising doesn't tell about the XXXXdollar fee or interest rate until after credit is granted I would like to have this bank audited and  whatever else it needs to be more flexible and fair to the consumer, because this company is out of control furthermore
Consumer complaint received 2016-09-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (TX)

when I checked my credit I found that Asset Acceptance Corp had placed a collection on my XXXX credit report I never received notice of this of any kind this is against the law and I will take legal action against this company if this is not removed from my XXXX report immediately.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: AMERICAN EXPRESS COMPANY (VA)

I submitted a Servicemembers Civil Relief Act ( SCRA ) claim to American Express, requesting to have my card 's annual fee refunded for the years during which I performed XXXX. American Express is telling me that XXXX does not count as XXXX and, therefore, is ineligible for SCRA benefits. Title XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX states that XXXX is considered XXXX XXXX. Furthermore, I submitted copies of my XXXX XXXX showing the dates and durations of my XXXX XXXX XXXX.
Consumer complaint received 2016-11-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: DLC, LLC (CA)

I have had difficulty with this account. While I was traveling XXXX, I could not answer their calls. 

The company called my employer to verify my employment. This caused me significant embarrassment given that the company had already verified my employment. I signed a release to this effect but assumed it was for the purpose of verifying my eligibility for the original loan. 

I have asked the company to stop calling me. I have asked the company verbally and in writing. The contacting of my employer a second time makes me feel harassed and intimidated. The only reason I did not call them back was because I was traveling XXXX.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

After forwarding all the documents needed for my Dispute along with an official police Report with a UCC filing from the Secretary of state for Illinois showing there is no Debt Registered, these credit Bureaus still did not remove this from my file claiming the contacted the Bank and verified this account with no evidence to me which is against FDCPA Law and violates consumer protection law.
Consumer complaint received 2016-11-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

I would like to report Carrington Mortgage for multiple reasons. The first for harassing me with numerous phone calls each month about my mortgage payment. I typically start getting phone calls around the XXXX of each month when my payment is not late until the XXXX of each month. I am an XXXX wife who currently does not live in my home since my husband services his country. I rent my home and must wait for rent proceeds to make the payment. I have always paid my bills in a timely manner. This is depicted in my credit score of XXXX. I also get verbally abused by customer service when I ask why I 'm receiving phone calls. They said your payment is due on the XXXX and we call until you pay the bill even though it 's not considered late until the XXXX of each month. The next issue is I 'm trying to set-up my account to make online payments since they are charging me {$5.00} each time I make a payment via phone. They would not allow my husband to use his bank account even though his name is on the loan. I had to transfer the rent proceeds to my account and now I ca n't gain access to make a payment online for some reason. They are taking advantage of customers by not easily allowing them to gain access to their online payment system, so they are forced to make payments where they enjoy a {$5.00} speed pay fee each month.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

" SEE ATTACHED DISPUTE LETTERS SENT TO THE CREDIT BUREAUS SINCE XX/XX/year> '' AND THE DISPUTES ARE NOT WORKED. 

I WANT THESE NEGATIVE ITEMS DELETED