davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In XXXXXXXX XXXX XXXX I sent in a letter requesting for all accounts being reported to my credit profile to provide documentation proving that the debt belong to me and is accurate. As part of the verification, I requested the original contract signed with my wet signature and complete payment history from the original creditor. However, I received a mailed letter with neither. In accordance with the Fair Credit Reporting Act, the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX  Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C.1681 section 602 a states that I have the right to privacy.

15 U.S.C.1681 section 604 a section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681C. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TN)

I get repeated emails to XXXX, my secondary email address. This is todays but they come 2-3x per week : " Let 's talk solutions Hi XXXX, Your Sam 's Club Mastercard account is past due. Reminder, Synchrony reports your account status to XXXX, XXXX and XXXX credit bureaus monthly. 
Current Balance Total Minimum Payment Due Due Date {$110.00} {$31.00} XX/XX/2023 No login? No problem Click Here and Select Pay As Guest We're here to help XXXX Call us Weekdays XXXX XXXX.XXXX XXXX  Weekends XXXX XXXX XXXX XXXX XXXX Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. 

If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. 

This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov. 

This is an unmonitored email box. Please do not reply to this email. 

We respect your privacy. Click here to read our Privacy Policy. 

XXXX  Synchrony Bank XXXX XXXX " but these provide no quick or easy way to contact the bank to draw their attention to the fact that I am NOT XXXX XXXX ( nor is any member of my family ) and I deeply resent that THEIR error is pushing costs off on to me. They should be required to maintain a WWW site/email account where these issues are easily addressed -- especially as they are using electronic means to contact me. 

Thank you XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Have now been retained as attorneys for Plaintiffs XXXX XXXX XXXX and XXXX XXXX XXXX for improper use of credit report and several accounts of RESPA violations. 

XXXX XXXX have violated plaintiffs privacy The law states The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-01-30
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. (GA)

Equifax is refusing to remove/block fraudulent accounts from my credit report after being properly disputed and shown a proper identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : XXXX  - Opened XX/XX/XXXX - {$41.00} XXXX - Opened XX/XX/XXXX - {$130.00} XXXX XXXX XXXX - Opened XX/XX/XXXX - Account # XXXX - {$3300.00} XXXX XXXX ( XXXX XXXX ) - Opened XX/XX/XXXX - {$65.00} XXXX XXXX ( XXXX ) - Opened XX/XX/XXXX- {$540.00}
Consumer complaint received 2019-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I have attempted to modify my mortgage that was serviced originally by ASC and most recently with Wells Fargo. I have worked closely with my home preservationists since XXXX and provided 100 % documentation requested. Most recently XX/XX/XXXX I was denied a mortgage modification as it was deemed to be affordable based upon my income. I ailed an appeal by certified mail, Wells Fargo failed to respond. 
XX/XX/XXXX ( and every single year prior, ) I was denied a mortgage modification as it was deemed I did not have sufficient income. I filed an appeal with evidence of additional income by certified mail, Wells Fargo failed to respond.Most recent reponse is Notice of Acceleration. 
I sent a letter by certified mail stating my concern that I believe my denial for a loan modification was in error due to the miscalculation as most recently discovered by the Attorney General in California and in the news. I requested more specific, detailed information regarding my denial wherein within a XXXX year time period I was denied a modification for not having sufficient income and later denied for having sufficient income and not needing a modification. It doesn't make sense. 
What I find extremely misleading is that homeowners are mailed a HAMP package, often times without request, and are optimistic perhaps there is something they can do to save their home, when in fact XXXX XXXX has absolutely no interest in offering assistance. 
I have repeatedly sent certified letters relative disputing parts of this debt and have received written correspondence ( and by phone call ) they are researching my request. However they fail to provide the information requested information and continue the foreclosure process. 
I did receive a trial modification in XXXX believe. I made all three trial payments on time. When I received the final package for modification the documents had my deceased fathers name on them. ( My father was on the original Deed and Note XXXX ) and his income was not used nor was he an occupant when I had refinanced my home in XXXX, he was not party to this transaction in any way. ASC failed to respond to my letters, calls, emails to correct the documents and failed to complete the final modification.
Consumer complaint received 2023-06-12
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. (GA)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

XXXX reported me as late for XXXX and XX/XX/2023 for a missed payment in XXXX and that is incorrect 100 %. My personal account was overdrawn briefly due to another company and meanwhile nothing was able to come out of my account. XXXX, sent me a message stating that I missed a payment and I had 60days to pay before it is reported as late. I logged into the app and made a payment well before 30days to assure myself. It is XXXX and they have taken 6 payments out my account since XXXX meaning that XXXX was paid. Out of 6 payments why wasn't XXXX deducted from one of them or when I logged in to pay via app. I spoke with them, and they advised me it was nothing they could do to fix the mistake and to contact the bureaus. I did and Experian said the information was accurate, but it can't be because I have proof the payments came out my account. Please help me update these payments XXXX current and not late. 

15 USC 1682 Section 604 A states a consumer reporting agency can not furnish an account without written instructions.

15 USC 166B also states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

They not only improperly reported me, they also broke the law.
Consumer complaint received 2019-05-30
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: JPMORGAN CHASE & CO. (CA)

In XX/XX/2018 we contacted Chase requested the balance to a company credit card so we can pay off the credit card, they provided payoff amount and we paid the full amount and account was closed. Chase one months later charged interest to the account, we have no knowledge of the interest charge an employee of the chase should be made us aware. this interest became late and we received no notification of being charged or being late, so this charge became 60 days late which is negative affects my credit report. Chase should have notified us of additional interest and should have notified of new invoicing and late, they claim they sent it via email, we did not receive any email, I requested chase to provide proof and they could not provide. Before negatively affecting credit report they should have mailed us a letter a phone call. when they solicit us for a new card they can reach us 50 different ways but they cant notify prior to affecting my credit. The other issue this card and charges belong to my employer, not me, I have disputed this issue with them on XXXXhree occasions twice though XXXX and once direct with them and their response has not helped at all.
Consumer complaint received 2019-05-30
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)

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late. XXXX  XXXX XXXX, XXXX  XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

i have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, therefore any such debt, in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of
crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any inform
ation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, someone claiming to be me called JPMorgan Chase customer service. They gave them an excuse as to why they don't have my phone or access to my email account associated with the account. They then told them all they have to verify my identity is my ( stolen ) business credit card # and XXXX #. My credit card never left my possession so this card # was compromised from a website I do business on. The bank representative gave them my login, and a new password. Within a few minutes that bad actor accessed my business account, linked my personal accounts, subscribed my email account to a spam bot engine in an attempt to inundate my mailbox with so many emails I would be unable to find that one email from Chase indicating a new login has occurred from a new IP address. 

I immediately locked down all my accounts and got rid of the new email address and cell phone # that was added to my account. I was also able to break the link between all my personal accounts and my business accounts. 

Upon investigation by Chase, they notified me a bad actor called them on XX/XX/XXXX in a failed attempt to take over my account. My account was then frozen, requiring me to visit a bank branch and show ID before it could be unfrozen. This all happened without my knowledge as not notification was ever sent to me regarding a freeze. On XX/XX/XXXX, the bad actor called again, persuaded the Chase Rep to unfreeze my account and give the person my credentials over the phone. This person now knows how much I have with Chase bank and I assure you he will either try again or hand the job off to a more senior level bad actor who knows how much work will be involved to get into my account with a nice pot of money available. I have begun the process of moving all of my money out of JPMorgan Chase Bank as a result of this latest hacking incident. It was COMPLETELY out of my control. I did nothing wrong. Chase was 100 % at fault for giving my credentials away to criminal and should be held accountable. 

This is the THIRD time my account has been hacked and I strongly believe the previous time this happened Chase did the same thing and gave someone my credentials.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (VA)

On Friday XX/XX/XXXX I was trying to make a purchase on XXXX and was presented an offer to pay for my purchase through the Apple Card by Goldman Sachs, the offer stated " Apply and use right away. '' and " See if you're approved in as little as a minute with no impact to your credit score. '' I submitted my application and provided pictures of my drivers license per the request, but did not get an approval response in minutes, and still do not have a response 4 days later. 

I received an email Friday XX/XX/XXXX saying it was not approved because they could not verify my identification information, but if I believe this to be an error to return to the application and reapply. I did return to the application, I reapplied and since Friday evening it says my Apple Card application is currently under review, and they will send me an update when there is one to send. They indicate they will call me, email me, text me, or send a push notification, but I have received no updates in 4 days. 

I called on Friday to clarify that my second application went through, and they confirmed it did. I called on Saturday XX/XX/XXXX for an update and the agent only could say it was under review. I called on Monday XX/XX/XXXX and was told that on Saturday it " seemed to clear the verification but was still under review. '' It is now Tuesday the XXXX, 4 days after my application and I have not received a response on my application in minutes, hours, or even days. 

This is a clear UDAAP violation where it was advertising the cash back savings I would get by applying for and using this card for my purchase, but Goldman Sachs has failed to meet its commitment in its processing time. At this point I will be required to pay for expedited shipping to receive the computer for my daughter in time for school to start. So not only have I not received a response, my cost of this purchase has increased due to the delay in processing.
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

In early XXXX, I ran into financial trouble. I received a 120-day forbearance period from my car loan company, Ally Auto Finance. In late XXXX, I became current on my loan again. The last four monthly payments, for XXXX, XXXX and XX/XX/XXXX and XX/XX/XXXX, for $ XXXX monthly were paid promptly. These entire amounts were applied to interest charges by the company. There was no principlal reduction from these payments. I called the company today to get an explanation why, and they could not give me one. The payoff on my loan as of today is {$12000.00}, per the company. The per diem interest rate is {$4.00}, per the company. Therefore my monthly interest charges should be 31 ( number of days in the month ) times {$4.00} ( the per diem interest rate ), or {$130.00}. Ally is charging me {$280.00}. No one could give me a satisfactrory explanation why I'm being charged {$280.00} instead of the correcxt amount of {$130.00}. They are stealing from me. {$140.00} of my $ XXXX monthly payment should be going towards principal reduction, not towards interest. Please help me get my payments applied properly. Thank you.
Consumer complaint received 2019-05-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (GA)

For the past two weeks I have tried to get them to postpone payments as I have no money. I am a XXXX ill shut in and havent worked since 2009. I can not verbally communicate so I emailed them off their secure website 4 times and they have not replied once. Now my payment is late. I need help. Please.