davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
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: SYNCHRONY FINANCIAL (TX)

My wife opened an account with SYNCB/ASHLEY XXXX, my name is not on the account, I am not affiliated in any way with this account. In XXXX of 2019 is when the first late payment appeared on my credit report, I didn't notice it typically because I don't check my report that often, about a month or so later I noticed it and call to the creditor Synchrony Bank and explained to them the situation and was told they could not give me any information on this account because I'm not on the account, I explained my dilemma and was told they would fix it but it didn't happen. This has went on for several months now and a lot of back and forth, I have made several phone calls to Synchrony Bank and attempts to resolved this. I have spoken to agents and supervisors, who seemed to be clueless in how to rectify this situation and why they continually and willing add negative information on my credit report knowing I am not on this account. A dispute was filed with the credit bureau and still no progress. There has been a negative impact in my personal and business dealing as my score fluctuates up and down the 700 's to the low 600 's.
Consumer complaint received 2019-03-12
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. (WA)

XXXX XXXX XXXX is an account that was removed from my credit report years ago due to fraud. On XX/XX/2019, the company rereported it to the credit bureaus. This is an illegal practice in accordance with the Fair Credit Reporting Act 611 Paragraph B. This outlines the requirements for reinsertion of deleted material. In order to reinsert the following must have taken place : ( i ) Certification of accuracy of information. - The information was proven to be inaccurate years ago through the appropriate steps per the credit reporting agency, therefore it was deleted. Once deleted, the consumer reporting agency had the legal obligation to inform me in writing that not later than 5 business days after the reinsertion. In addition to notification, I should have received a statement, the business name, address, and telephone number of the furnisher of the information that contacted the credit reporting agency to provide the information. 
The Fair Credit Reporting Act also outlines that the credit agency should have procedures in place to prevent the reappearance of deleted accounts. Specifically the Act reads : A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph. 

As this account was legitimately deleted years ago, and the credit reporting agency in in direct violation of my rights per Section 611 of the FCRA, please delete this account from my credit reports.
Consumer complaint received 2020-05-04
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. (NY)

Hello, I have never lived at XXXX XXXX XXXX XXXX, NY XXXX I have made several attempts to getting this resolved. 

There has been credit cards issued to this address under my name which is fraudulent. 

In XXXX of 2017, there have been charges in the amount of {$2600.00} for XXXX XXXX which doesnt belong to me. 

This address and card is fraudulent and it is affecting me personally. 

Thank you for your help.
Consumer complaint received 2019-03-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX a debit for {$20.00} came out of my account but it came out in the middle of the night and with in hours I got a notification that I got a {$35.00} charge. There was no chance for me to even step into the bank at opening time or ask my cousin to XXXX me money to cover the cost. This is unfair at least give people until the next day if you all are gon na debit things in the middle of the night.
Consumer complaint received 2018-02-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I CONTINUE TO BE HARASSED ABOUT MY XXXX  COSIGNER. This has crossed over to undue stress as they are brought up EVERYTIME despite having filed his death certificate with NAVIENT on 3 separate occasions through fax and physical mail. This compounds the hardship I now face XXXX  him in life and financial assistance and it is harassment towards his family that did not sign up for supporting the loan.
Consumer complaint received 2020-04-13
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: EQUIFAX, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2024-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I filed a claim for a couple of transactions for a rental car agency called get around. I havee documents from them stating I'm supposed to receive a XXXX dollar deposit back from the vehicle I rented I have documentational proof for this And yet the denied my claim
Consumer complaint received 2019-08-05
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: CITIBANK, N.A. (OK)

XX/XX/XXXX XXXX XXXX shows hard inquiry from Citi Bank Na. Best buy on XX/XX/XXXX. XXXX has a range XX/XX/XXXX to XX/XX/XXXX. 
I did not approve this inquiry and I want it removed along with any accounts or affects from it canceled out. 
Twice, I called offending company on XX/XX/XXXX. They claim to have no record of such a pull from their end. The first call advised me to just let it go and that the credit points would come back up soon ... 

I've had no business or like applications with Best buy since this last spring. They might permanently lose my patronage. This is unacceptable.
Consumer complaint received 2019-09-16
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (IL)

I am about 20 days behind on my discover card payment. Never 30 days late. Discover is calling me 5 times a day often 5-6 days a week. I have requested to be called no more than once a day. Discover will often fill my voicemail box within two and prevents me from receiving messages from other callers. I have attempted to speak with discover concerning this matter. The last time I called discover a supervisor placed me on hold for two hours. This type collecting is harrasing and  impedes my daily life. I have attached the last couple of days of calls, I can provide a detailed call history of this harrasing behavior. Can you please help resolve this matter with discover?
Consumer complaint received 2019-09-16
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: SYNCHRONY FINANCIAL (MI)

I am reviewing my credit report from XXXX. It shows that an individual credit card from SYNCB/PPMC was opened in my name in 2012, was allowed to go into delinquency, and was shut down. I did not open this account. This ding on my record is preventing me from getting a loan for car and home.
Consumer complaint received 2018-01-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX XXXX I sent TransUnion letters along with proofs of identification ( drivers license and social security card ). I disputed three account listed on my credit report ( XXXX, XXXX XXXX, XXXX XXXX ). I received a letter dated XXXX XXXX, stating that I need to send verification of my date of birth in prefer to have my date of birth year update from XX/XX/XXXX to XX/XX/XXXX. But my identification was included with the paperwork I sent in. Therefore, I contacted them today. I spoke with customer agent XXXX XXXX who informed me that nothing is in dispute or investigation and that my paperwork has been received. Then I spoke with supervisor XXXX XXXX who says he just updated my date of birth himself. I continue to question him as to why nothing was done regarding the disputes, inquiry removals, and update information that I requested in the paperwork. He could not tell me. I asked that they validate and verify the three accounts and if they could not send me the proof of how they validated and verified the information regarding each of the three accounts that I ASK THE THEM TO DELETE THEM AS THEY ARE NOT VERIFIED NOR VALIDATED CORRECTLY. As of today nothing has happened on there end at all and it has been over 5 days since they received my paperwork as they only require 5 days to process paperwork, as supervisor XXXX XXXX informed me.
Consumer complaint received 2018-01-30
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/2018 XXXX XXXX XXXX XXXX I have a gift card that was supposed to be XXXX dollars but it says that XXXX dollars only has a balance XXXX cents.
Consumer complaint received 2019-09-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MS)

I contacted Wells Fargo Bank regarding my credit card on XX/XX/2018 and advised them that my debt is uncollectible because the statute of collections has expired. They continue to remove this debt and put it right back on my credit file therefore causing a new collection items on my credit file for the same debt that has been removed over and over again. I never received a response to any of my requests from the company.
Consumer complaint received 2019-04-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

There was an unauthorized transaction made on my bank account. The company Remitly Inc., sent money on XX/XX/2019 at XXXX for the amount of {$2100.00} XXXX. I log in to my account and immediately I noticed a transaction was being process without my knowledge. I immediately called them to cancel the transaction but after 20 minutes waiting to get their attention, they said it was sent already and they can't cancel it. I also called my bank immediately and asked to stop the unauthorized withdrawing from my bank account but it was withdrawn so fast. Called the receiver, XXXX XXXX in the XXXX to be aware of the erroneous transaction and let the local bank knows about it. 
I spoke to their manager XXXX and assured me that they will refund the money back. Talking to XXXX and 2 other people last XX/XX/XXXX and XX/XX/XXXX, they demanded that I have to ask my recipient XXXX XXXX to return the money with all the fees incurred and with lower exchange rate and I have to pay them so they can return the money to my bank, XXXX XXXX XXXX. 
I investigated and log in to my Remitly account and the sceen/page showed that I have not touched the SEND bottom to resend the same amount as my previous transaction. Please see the attached copy. 
This is my right according to their Remitly 's Error Resolution and Cancellation Notice. 
WHAT TO DO IF YOU WANT TO CANCEL A MONEY TRANSFER You have the right to cancel a transfer and obtain a refund of all funds paid to us, including any fees. In order to cancel you must contact us at the toll free number or email address shown above before we deposit funds to a bank account or your recipient collects the remittance. 
When you contact us, you must provide us with information to help us identify the transfer you wish to cancel, including the amount and location where the funds were sent. We will refund your money within three business days of your request to cancel a transfer as long as the funds have not already been picked up or deposited into a recipients account. 

I am seeking your assitance to this matter. I appreciate the help you can extend to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , Ca XXXX Tel. No., XXXX
Consumer complaint received 2018-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

CHASE RIPS XXXX XXXX OFF OF {$65.00} XXXX XXXX. SEE ATTACHED. 

SECOND ISSUE IS XXXX XXXX COMPLAINS CHASE DEFRAUDS XXXX XXXX ON CHECKING XXXX XXXX XXXX XXXX OF 3 FRAUD CLAIMS IN 60 DAYS XX/XX/XXXX {$40.00} XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XXXX DISPUTES FRAUD OF XXXX THE FIRST FRAUD IS XX/XX/XXXX AND LAST FRAUD XX/XX/XXXX AND ALL 3 LIE IN 60 DAYS. THESE ARE THE THREE CHARGES THAT I DISPUTE. XXXX REFUNDED ME AND THESE WERE NOT FRAUD. XXXX IS HITMAN AND XXXX. SO THESE 2 CHARGES WERE REFUNDED BECAUSE I ASKED XXXX TO REFUND. XXXX REFUNDED ME. DONT CALL REFUNDS FRAUD.
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

I contacted XXXX XXXX XXXX about paying off my mortgage in full. I called three times, the first time on XX/XX/XXXX requesting written information about the payoff amount and procedure to follow to make payment in full. I was told each time that I would receive an email in days detailing the above information. I also sent a certified letter that was delivered on XX/XX/XXXX asking for written information about the process to follow in paying off my mortgage in full and the payoff amount. It is now XX/XX/XXXX and we have still not received anything in writing.
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc (IL)

My husband and I were beginning the process of applying for a mortgage last summer and began association with the company XXXX XXXX. XXXX XXXX did a hard inquiry at that time on my credit which was good and close to excellent. XXXX XXXX proceeded to do hard inquiries at least three more times XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX without my authorization which consequently has brought my credit down to an official " fair '' condition. I am paying an unfair consequence for actions this company took without authorization.
Consumer complaint received 2019-04-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (MI)

Through my financial institution 's bill pay, I mistakenly sent a Discover Credit Card payment to an old Discover Student Loans account that was paid off. This was made on XX/XX/19, and as of today I still have not received a refund. Discover Student Loans recognized the payment, and stated that someone from their accounting department would be contacting me. I've heard absolutely nothing. They were unable to move the payment to my Discover Card, and now seem unable to refund it back to me.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSWORLD SYSTEMS INC (DE)

After reviewing the credit report, there are a number of issues regarding the unfamiliar derogatory accounts on the credit file. Transworld systems/Inc 51 account XXXX has medical bills that are unfamiliar. Account has updated the status of XX/XX/XXXX, however, the date of service is different. Due to the LAWS of XXXX  institution offers financial assistance when patients experiencing hardship. XXXX XXXX XXXX received financial hardship forms regarding balance. When the follow-up appointment, i was informed debt was satisfied.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (TX)

The company ( CITIBANK ) has responded to my query that the account is closed on XX/XX/XXXX while my conversation with them was at least 2 weeks ago and the letter they sent to me shows another error mentioning that my account WILL be closed on XX/XX/XXXX. Again, the inappropriate hold of my fund after they decided to stop providing the banking service should be reimbursed because it has cut my access to my funds. They should have sent my check earlier not now.
Consumer complaint received 2019-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NC)

This started on XX/XX/2019 They sent a text message to my cell phone stating I needed to contact them about a bill with XXXX XXXX. I have a prepid phone with XXXX so I know that I do not owe them any money. It states that all information had been sent to my email address and that needed to contact them about this account. the phone number they used to contact me was XXXX but told me to contact XXXX. They actually sent two messages on that same date. On XX/XX/2019 they sent another demand to my cell phone and I responded a demand for them to quit contacting me because I did not own XXXX any money. XX/XX/2019 they called my home phone and I again contacted them on my cellphone and demanded they quit calling me. I did that two times n that date. Now they are calling my home phone and asking  questions about someone other than myself. When I asked what company they are calling about XXXX XXXX tells me that because of privacy laws she can not tell me what company she works for. So I told her that because of privacy laws I can not talk to her and she hung up the phone, but that didn't stop her from calling me again two more times on that date. two times on my home phone and once on my cell phone. I have demanded that they qut calling me but that has not stopped them. Today, XX/XX/2019 they called me again and I answered so I could tell them again to leave me alone but it was a robo call saying they wanted me to call back but I didn't get the number. I have tried to call them back on the number they call me from but when you do there is a gruff voice that tells me to HANG UP NOW. Please do something to stop this harassing of me. Thank you They are calling from different numbers also.
Consumer complaint received 2019-04-19
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. (CO)

I sent a letter detailing that I am a victim of fraud and also have called Equifax on numerous occasions trying to get a resolution. Every time I explain that I am asking them to block fraudulent information on my credit report but after a dispute is initiated their response is " the original creditor has confirmed the account ''. I sent in a police report, FTC Identity theft report, FTC affidavit and supporting documentation stating that I lived no where near where the fraud took place. I also used the letter template on the FTC site on how to request a block. Still I am met with the same response and am told that Equifax doesn't investigate the issue but rather sends it to the debt collection agency to investigate. The collection agency obviously does not want to give up the account so they always confirm the Account. 

If every Consumer Reporting Agency did this I guess I wouldn't have an argument, but XXXX and XXXX have already complied with my request and removed the fraudulent information. This implies that they were actively making the effort to investigate the matter and also reflects poorly on the diligence and concern of Equifax.