davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (CA)

Dear Sir/Madam, My name is XXXX XXXX. My wife and I initiated a refi loan on XX/XX/2020 and provided all the information requested by XX/XX/2020 with a promise from Citibank to close in 60 days. As part of the requirements for this loan, we opened a {$200000.00} checking account. On XX/XX/2020 Citi charged us {$980.00} for an appraisal. Month after month we were told that you are in a queue and the underwriter will review your application soon. After several complaints to Home Lending Officer, " XXXX XXXX XXXX '', we escalated to XXXX XXXX, XXXX XXXX manager. On XX/XX/XXXX, we were told that we have conditional approval and requested some additional info. which we provided on XX/XX/XXXX. Again, there was no progress for months. We were told several times not to pull our application as our application was close to being reviewed. On XXXX XXXX we escalated to XXXX XXXX, Divisional Lending Director. She replied on XX/XX/XXXX that they are experiencing delays due to COVID-19 and " I will ask XXXX and XXXX to ensure we have all the updated documents needed so when the file is reviewed a final disposition can be made. '' After another inquiry, XXXX informed us on XX/XX/XXXX, " We are definitely making progress and I anticipate your loan to be reviewed by underwriting by no later than a couple of weeks from now ''. After a number of inquiries in early XXXX, XXXX responded via email : " I do not have the timeframe to offer as far as the closing of your loan due to our underwriting capacity ''. We decided to pull our application on XXXX XXXX and informed Citibank of our decision and asked for a refund of our {$980.00} appraisal fee. Citibank is not responding to our inquiries. 

Regards, XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX is reporting inaccurate information to all XXXX credit reporting agencies. Company is still increasing the amount and saying that there are late payments when the account has been " in collections ''. If an account is in collections that means that alleged debt is no longer owed to the Original company, that company has been paid.
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: Experian Information Solutions Inc. (PA)

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 2019-01-11
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. (OH)

I am not sure what type of games that Transunion, and XXXX  is trying to play but I am over this cat and mouse game with these credit reporting agencies. The remarks on my credit report are inaccurate. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all have remarks that are inaccurate and should be removed immediately!

DISPUTE OF ACCOUNT INFORMATION for any or all accounts need to be removed. The accounts was not investigated nor was the information I requested provided. I did not ask for a verification I asked for validation with paperwork that I requested and never got. While disputing, By law there should not be any negative marks on my credit report per FCRA after the dispute is over there should be NO REMARKS THAT I THE CONSUMER DID NOT AUTHORIZE! THE ISSUES WAS NOT RESOLVED IN MY EYES I AM NOT SATISFIED AND I WILL CONTINUE TO FIGHT THESE CREDIT REPORTING AGENCIES. I WILL BE FORWARDING THIS TO MY ATTORNEY AND THE CEO 'S OF THESE CREDIT REPORTING AGENCIES! My XXXX  account and XXXX XXXX on XXXX XXXX   is showing NEEDS ATTENTION when it is in bankruptcy. That remark was not authorized and it looks as though it is still open. Not a good look for my credit after filing! My last name is not XXXX  that Transunion has on my credit report! I have not applied for these accounts that is in XXXX! I have not been XXXX since XX/XX/XXXX! I have sent ID AFFIDAVIT to all the credit reporting agencies I believe it was in XX/XX/XXXX. I have the paperwork somewhere at my home. There is addresses on my report that I NEVER lived at and the response I get from these bureaus is this credit card is linked to this address. If the card is opened under ID theft/fraud and I never lived there how in the heck can you say you investigated my request to investigate! Remove this garbage immediately! Credit applications should not be done online without being in person. this is ridiculous! I will send a copy to the CEO 's of these bureaus too!
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my Spark Capital One credit card account. I have encountered an unfortunate situation that has resulted in late payments being reported on my credit history, and I kindly request your assistance in resolving this issue in good faith. 

On [ date ], I received notification that my Spark Capital One credit card account was closed unexpectedly. This closure took me by surprise, as I have been a loyal customer in good standing for many years, consistently making on-time payments and maintaining a responsible financial history. 

Prior to the account closure, I had set up an auto-pay feature for my Spark Capital One account. This auto-pay feature reliably deducted the previous minimum payment amount from my bank account each month, ensuring timely payment of my credit card bill. However, after the account closure, I noticed that the minimum payment amount was not updated, and the auto-pay system continued to attempt to deduct the previous minimum payment. 

As a result, my payments were not covering the newly adjusted minimum amount, leading to late payments being recorded on my credit report. This situation has caused considerable distress, as my creditworthiness has been adversely affected due to an oversight beyond my control. 

I understand that the responsibility for updating the auto-pay feature after the account closure lies with the financial institution, but it has unfortunately resulted in negative consequences for me. Therefore, I am requesting your assistance in rectifying this matter and removing the late payments from my credit report in good faith. 

I have attached relevant documentation to demonstrate that my balance with Spark Capital One is up to date, and I have diligently fulfilled my payment obligations before the account closure. Additionally, I have initiated the necessary steps to rectify the auto-pay issue and prevent any further negative impacts on my credit history. 

I kindly ask that you investigate this matter thoroughly and work with Spark Capital One to ensure the prompt removal of the late payment remarks from my credit report. Your intervention will be greatly appreciated, as it will significantly impact my financial standing and overall creditworthiness.
Consumer complaint received 2021-01-13
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. (TX)

I am extremely appalled by the recent investigation into items that I disputed last month. I disputed last month because my XXXX and XXXX accounts were never late and I submitted my proof of payment and forbearance status. I also had two XXXX accounts that were reporting inaccurately, and these accounts still report inaccurately. I submitted proof of payment and other form of proof that show these inaccuracies. These items still remained after their so called " investigation ''. These accounts are STILL being reported illegally. Earlier today, I received a letter stating that your investigation was complete. Your investigation could not have been thorough, if you used an automated system, E-OSCAR, Im sure you know this is not a complete legal investigation. Please delete immediately! 

Accounts to be updated to paid as agreed : 1. XXXX : XXXX 2. XX/XX/XXXX : XXXX Deleted : 1. XXXX : XXXX 2. XXXX : XXXX XXXX : 1. For XXXX I have attached the documents detailing I was in forbearance. 
2. For XXXX I have attached my bank statements showing that payment was made for these dates. 
3. For both XXXX accounts, I have attached the payment agreement that I had with XXXX, as well as proof the amount was paid.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fay Servicing, LLC (FL)

On XX/XX/XXXX Fay Servicing reported account # XXXX as 120 days late. 

The last payment made on the account was XXXX, XXXX. No payments have been made since that date. To now show the account 120 days late is purposely hurt my credit score. 

I am enclosing the before and after reports as well as the account posting.
Consumer complaint received 2020-11-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

Ref account number XXXX XXXX XXXX. I disputed inaccurate data, and the results came back verified. This account has three inaccuracies. This account was paid and close in XXXX, however XXXX reports late payments in XX/XX/XXXX. This should be an easy investigative outcome, however Equifax reports, they can not correct the inaccuracies because XXXX  verified the report. It Is impossible to have an account closed in XXXX, with late payments in XX/XX/XXXX. This was the second time XXXX reported late payments in XXXX. Both times affecting the score on my reports. 
XXXX also reports late payments in XXXX and XX/XX/XXXX. Please not there are only 28days in XX/XX/XXXX. XXXX  reports payments on XX/XX/XXXX then again on XX/XX/XXXX. That is a difference of 28 days apart. Payment More importantly the data sent to the credit bureaus shows standard monthly payment, with no late payments made. This indicates, this account was never late, as it would accrue a late payment charge. 
1.To summarize, there is a late payment in XXXX which is ( 3 years after the account was paid off ) 2. There are late payments in XXXX and XXXX, showing payments on and within 30days, with no late payments accrued, or paid.
Consumer complaint received 2019-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NC)

The ERC company ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX ) sent me a mail to collect a debt I didn't owe to XXXX XXXX XXXX company on XX/XX/2019. The amount due is {$180.00}. 
I or any of my family have never use any XXXX XXXX XXXX products. 
I sent a dispute mail to them on XX/XX/2019 and waiting for their response.
Consumer complaint received 2019-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

My wife, XXXX XXXX ( XXXX ) has a student loan account with Navient ( about $ 30K ) which was reported on my credit report ( XXXX ) as 150 days late as of XX/XX/XXXX. There was 1 missed payment ( XX/XX/XXXX payed XX/XX/XXXX along with XX/XX/XXXX payment. XX/XX/XXXX. Here is my wifes letter : they agreed wityh account status - did not mention it was reported under mu SS # " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX  Dear Administrator : Today I spoke with XXXX  counselor, XXXX ID # XXXX, re : a 120 day nonpayment report sent in to Credit companies including XXXX.

XXXX at XXXX researched my school loan information and denied XXXX   sending such report ; saying that my account is paid up as of today. There was 1 late payment from XXXX, but there has never been a 120 day period of no payments.

This message from XXXX  resulted in my credit score dropping below 600. The XXXX counselor, XXXX, instructed me to write this letter to give all credit reporting companies permission to look into this error.

My Student loan information is the following : Acct # XXXX   Name on account : XXXX XXXX Loan IDs : XXXX   XXXX XXXX  I give you permission to look into this false report against my credit record sent in by XXXX. You may reach me at ( XXXX  ) XXXX or XXXX if you have any questions.

I will be monitoring your progress and look forward to getting this issue resolved. '' Thanks
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MA)

This company is getting ridiculous. I called their CS line yesterday as I noticed that my AUTOMATIC PAYMENT wasnt looking like it was going through under card account ending in XXXX. Chase should KNOW how their own app works. Their is an option to edit your existing automatic payment and I did - I updated the bank it was being pulled from last week. It said pending for XX/XX/XXXX under my XXXX account ending in XXXX. When I told the customer service man on the telephone last night that I didnt see it posted yet, he said he didnt see it either on his end, and that I should make a payment to avoid a late payment and fee. So I canceled the automatic payment and paid from my XXXX account XXXX. He said he could now see it, apologized that the APP didnt show that supposedly it takes a full bill cycle to change a bank yet it was pending yesterday for XX/XX/XXXX under the different bank XXXX. So if I didnt call him - and he didnt tell me this because their app is a JOKE as is their whole bank at this point, then I wouldnt have known. Now I see that it says Im late and there is a XXXX late fee which he never told me about he said I was good. I also have the screenshots of the payment last night. I did get in touch with chase and said I dont want this reported to the three credit bureaus as THEY CAN SEE I HAVE NEVER BEEN LATE SINCE I HAD THIS CARD AND THEY SHOULD SEE I DONT USE THE CARD ANYMORE EITHER. So for them to allow me to edit an automatic payment where it says pending for the due date that day and then I check to see why its saying its still due last night- IS why I called them. I have again never been late and Im not paying for a mistake the XXXX or paying by it being reported as late to the credit bureaus bc of their app problems and 2. I did pay it on the due date anyway. I can give my attorneys number if they dont rectify this as they are screwing up on a number of issues with a different account.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Credit card- MasterCard through Synchrony bank through XXXX XXXX XXXX. 

I purchased a flight on XX/XX//19 I went to use the card to purchase gas on XXXX19- declined. 
I went to purchase food on XXXX19- declined. 

I call synchrony bank on XXXX19- they informed me that I authorized closing my account and wanted a new card issued. I could not understand the agent I was speaking with and she refused to transfer me to management/etc. 

I called today, XXXX19- and asked to speak to the fraud department. 
I was told by Synchrony Bank : on XXXX/19- a person claiming to be me, called from my cell phone number which is linked to my account- said I lost my card, I had a death in the family and needed a new card expedited to me- at my current address. This person was able to answer all security questions to verify it was the primary card holder. 
They said they have a recording ... but I was not allowed to listen to it. 

I told the fraud department I did NOT call them on XXXX -- I did not loose my cell phone or any personal information. I did not authorize anyone to call on my behalf. 
They said they mailed the new card out on XX/XX//19. To this date ( XX/XX//19 ) I have yet receive this new card I did not authorize. 

So- synchrony bank is closing the new card account ( as someone has intercepted my mail and has the new card and activated it ) -- - and is sending me a NEW card via XXXX  with signature needed for delivery. 

They said they will update my security but did not ask for different questions. 

I am absolutely terrified that someone can do this ... Call from my cell phone number without having my actual cell phone ; pose as the primary card holder, shut down the account and ask for a new card to be expedited, and then intercept my mail to get the new card and activate it. I was never once notified by synchrony bank that my account had been closed/a new card had been issued/or that I even called to close the account.
Consumer complaint received 2021-03-26
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. (LA)

I HAVE BEED CONTACTING AND WORKING WITH THE LISTED CONPANIES AND THE CREDIT BUREAUS FOR ALMOST A YEAR. THEY HAVE REFUSED TO LOOK INTO MY CREDIT REPORT. THEY CONTINUE TO SEND ME A REPLY, THAT THE INFORMATION IS CORRECT. I'VE ALSO CONTACTED THE COMPANIES AND WAS TOLD THEY NO-LONGER HAVE ANY RECORDS. THEY REFERRED ME TO A COLLECTION AGENCIES, THEY WANT ME TO CONFERM MY FULL ADDRESS AND SOCIAL SECURITY NUMBER. 

XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX/XXXX XXXX XXXX XXXX {$1400.00} XXXX - CARD SERVICE XXXX {$4100.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$2500.00} XXXX/XXXX XXXX  XXXX XXXX {$5500.00} XXXX XXXX XXXX {$580.00}
Consumer complaint received 2020-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

See attached. My Discover Card was stolen in 2017. The card was used and then fraudulent payments were made to exceed credit limit. Discover refuses to send transcripts of phone calls and the method of payments used by the crooks. With these items, I can prove that the calls were not me and the accounts used to make payments were not mine. This would also assist me to prosecute the crook. But Discover refuses to send this information and continues to deny fraud and identity theft. And Discover simply states " without new and different information we may not respond to future correspondence. '' Attached is an affidavit that Discover can review and disprove. The affidavit is clear but if the affidavit is not satisfactory to Discover ; I will send whatever they want.
Consumer complaint received 2019-11-18
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. (MI)

PLEASE LOOK INTO THE CHAPTER XXXX BANKRUPTCY ACCOUNT THAT HAS BEEN DISCHARGED IN COURT SINCE XX/XX/XXXX. THERE IS NO BALANCE ON THIS AND IT HAS REALLY BEEN AFFECTING ME INTENSELY, AND BECOMING AN OBSTACLE IN MY LIFE. I HAVE ATTEMPTING TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT SINCE XXXX OF XXXX, NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY IMMEDIATELY. THIS IS REALLY AFFECTING MY RIGHTS AS A CONSUMER AND IS VIOLATING EVERYTHING.
Consumer complaint received 2023-08-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TN)

I paid a synchrony Bank Card off ( dicks sporting goods Master Card ) after paying I continued to receive emails wanting a payment. I ended up paying three payments instead of them taking the first payment. Now after several attemtps, and cancelling the card. I have to wait five weeks to get a paper check for THEIR mistake. I am certain this bank has Violated the FCRP rules of debt collection. DO NOT APPLY for a DICKS sporting Goods card. ITS a scam.
Consumer complaint received 2023-06-13
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. (MO)

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. 

Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2019-02-14
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: EQUIFAX, INC. (GA)

I recently ran my credit report and i saw a couple of items on my report that i did not approve of. I need these items deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX. 
I contacted the FTC and my local police. I am doing this on my own behalf.