davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (TX)

XX/XX/XXXX my account was reported as 30 days late with a missed payment in XXXX but its still XXXX and I made a payment of XXXX bucks. I also lost this card due to covid. My mother was super sick and hospitalized and I had no way of getting the card becuse it fell between the crack of her seat ( car ). She contacts me and lets me know she found it. But I had no access to the online portal at all. Didnt know the name of this company and received no email. Its taking me years to build my credit profile and to get the cards Ive earned would take the next person a lifetime to get. I value my XXXX XXXX and a XXXX point loss is very harsh. I was also in the moving process in expensive XXXX texas and had no desire to be late. I just simply didjnt know where my card was or the name of company. Also, this card doesnt even come with a chip reader. If you look up my credit profile I have XXXX accounts and theyre all paid up. I dont deserve this and I pray my mother gets better and my health does too. I dont go 30 days with any my accounts not being paid. This card is just new to my profile and no due date was mentioned on email or a phone call or voice mail was never received.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

Last Tuesday, XX/XX/XXXX, I attempted to buy gas with my debit card and was told it didn't work knowing full well that I had plenty of money in the account. I came home, tried logging into my online banking and was logged out. I called and spoke to a Fraud specialist at TD Bank and they told me that at XXXX that afternoon, some one pretending to be me went into a TD branch in XXXX and they closed out my card and had a new one created for themselves while impersonating me. They also attempted to use the new, fraudulent bank card at a XXXX XXXX XXXX branch nearby but they were unable to take any money out The following day, the XXXX I went into my local TD branch and I was able to close my old bank account and transfer the funds into a new account. I met with a XXXX police officer and filed a police report. 

This week, yesterday the XXXX, I came home from work around XXXX to find 8 large furniture boxes from XXXX in my driveway. I did not order this so I called the XXXX police and went to a drs appointment. When I returned the boxes were gone. A cop had driven by my house around XXXX and they were gone. After my appointment I met with a police man to file another police report for the new situation. I called XXXX and talked to their fraud department. They told me that the order was placed XX/XX/XXXX for about {$4000.00} worth of merchandise from XXXX. They have already had 2 bed frames with headboards delivered and stolen from my house XX/XX/XXXX. There are still items coming so XXXX tried to redirect the items to a XXXX center. They also alerted me that these people created a new gmail account using my full name. They also opened a XXXX XXXX XXXX account although I can not see this on any credit report. I also froze all of my credit last week when this happened.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IN)

Name : XXXX XXXX XXXX XXXX ) XXXX I originally applied for PSLF in XX/XX/XXXX with XXXX XXXX  XXXX. I sent several supporting documents as my previous employers ( PSLF approved employers ) did bot have a local HR office and directed me to verify my employment via XXXX without a response. The last correspondence I had with XXXX XXXXXXXX XXXX was XX/XX/XXXX. 

In XXXX of XXXX I believe my PSLF application was transferred to Mohela. I again requested what information was lacking. I was told employer verification. I explained the situation again and also sent in my IRS wage transcripts for the last ten years. 

In XX/XX/XXXX I received a denial on the account a signature page that was faxed in XX/XX/XXXX was cut off via the fax. I was told by a customer service rep to copy and mail in my original application which I have done and was documented received. 

When I now log into Mohela I am no longer able to access any of my previous uploaded documents or see an account status. When I call to get an update they do not have one, it has been mentioned by a customer service representative that I must have been approved. However I can not get an estimated date of an approval letter for PSLF when I ask them. 

My loan services was XXXX and is current XXXX. XXXX is unable to give me any information when I call to inquire on transition of loans if approved for PSLF.
Consumer complaint received 2023-09-28
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: EQUIFAX, INC. (TX)

I pulled my credit report on XX/XX/XXXX to check my credit report for inaccurate information but when I went to the hard inquiries section, I noticed I had some hard inquiries that I did not apply for at any time. I sent a letter to all three credit bureaus but have not received any feedback to my letter which has been 30 days.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple letters have been sent to Transunion requesting a block of information resulting from an account that is not mine. Transunion refused certified mail on multiple occasions. 

USPS tracking : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX A letter with my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft and FTC Fraud Affidavit was sent. I sent via regular mail on XX/XX/XXXX. Account was deleted from my credit report. Federal law requires notice to reinsert account, no notice given and account shows as a " charge off '' and reinserted today without notice. 

I have contacted XXXX multiple times and was told the company requested deletion, please see attached. Account also lists that it was closed in XX/XX/XXXX and opened in XX/XX/XXXX. How did an account close four months before it opened? 

Transunion has not provided any proof this account is mine nor have they provided information as to how debt was verified. XXXX has not provided any validation of debt despite being requested via certified mail multiple times.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting Act, the following alleged account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I'm requesting LexisNexis to reinvestigate and delete this account attached ( XXXX  XXXX Bankruptcy # XXXX ) Theyve stated everything was complete and accurate. But how is that possible if the date filed and much more is incorrect and whether if it's a XXXX  XXXX or XXXX XXXX. According to 15 USC 1681i ( 5 ) they are suppose to delete accounts if it isn't reporting correctly. 

Also. 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.

also, this account isnt in compliance with metro 2 credit reporting. Which is required by Federal Law. I have evidence to prove my case which is attached.

If your company doesnt honor my request to remove the above mentioned alleged account, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA .
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing to file a formal complaint and address a matter of utmost importance concerning the rejection of my dispute due to a missing address on my FTC report. This issue not only violates the Fair Credit Reporting Act ( FCRA ) but also raises concerns related to the Fair Debt Collection Practices Act ( FDCPA ). 

Issue : I have been diligently working to rectify inaccuracies on my credit report, specifically regarding the [ XXXX Account ]. In my recent dispute submission, XXXX rejected my dispute due to a purported missing address on my FTC report. This rejection not only undermines my rights under the FCRA but also raises concerns regarding the handling of my dispute, which falls under the purview of the FDCPA. 

Updated Information : I have taken immediate action to address the missing address concern on my FTC report, ensuring that it now reflects my current and accurate address information. 

Request for Reconsideration : I hereby request that XXXX reconsider my dispute, taking into account the updated information on my FTC report. I urge XXXX to conduct a thorough and fair investigation into the inaccuracies associated with the [ XXXX Account ]. The FCRA obligates credit reporting agencies to promptly correct inaccuracies and conduct reasonable investigations into consumer disputes. 


I want to emphasize that this issue extends beyond mere inaccuracy on my credit report. It involves a potential violation of my rights under the FCRA, which was enacted to protect consumers like myself from the consequences of erroneous credit reporting. Additionally, I have concerns about compliance with the FDCPA in the handling of my dispute.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I mailed letters to XXXX, Equifax, and XXXX about inquiries I wanted to be removed due to them having no WRITTEN consent allowing them to furnish on my report. Furthermore, I have waited over 30 days for the required response time. It is actually almost 60 days and there has been no response.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 2023-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

THIS IS THE 5TH TIME THIS MONTH ALREADY IM DEALING WITH THIS ISSUE!!! WELLS FARGO EXECUTIVE AGENTS ARE NOT HELPING!!!
LOOK AT MY PREVIOUS COMPLAINTS!!!

MY CARD IS ALWAYS DECLINING AND CAN NEVER SPEND IT!!!

I NEED MY MONEY!!!!!!!!!!
Consumer complaint received 2023-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AMERIS BANCORP (GA)

Stated forbearance on the loan during covid pandemic and applied for assistance with Ameris bank. I was approved for a partial claim and the security deed was filed with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. The mortgage loan is now showing {$14000.00} past due. I have been current with payments and have not defaulted on the loan. I called on XX/XX/XXXX to determine why the loan is still showing past due and was told that the partial claim was not recorded on their side and that the documents were not returned to them. I have a copy of the security deed to show the process was recorded. They are now requesting that I complete a new loss mitigation packet because the home is active Foreclosure for XX/XX/XXXX. I am now being asked to e-mail a request for postponement of the foreclosure date. I have been working with a HUD certified housing counselor at XXXX of the XXXX XXXX XXXX HUD agency ID number XXXX. XXXX XXXX, HUD ID XXXX called Ameris on XX/XX/XXXX and was also told that the partial claim was not correctly recorded by the loss mitigation rep. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Loss mitigation is currently reviewing the issue, but I am currently still in active foreclosure. I need help resolving this issue with Ameris Bank.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

In XXXX of XXXX I paid my XXXX income taxes with my Southwest Airlines Chase Credit Card. The payment for {$1800.00} was rejected by the IRS. I was credited {$320.00}. I was unaware that the remaining {$1500.00} was unpaid/rejected by the IRS until I contacted the IRS with a question about a different topic. 

I paid my Southwest bill as agreed for this charge, unaware that my payment hadn't gone through. I received a late charge from the IRS for over a hundred dollars not including the {$50.00} fee required to pay taxes with a credit card. I provided a letter to Chase/Southwest directly from the IRS with very specific information indicating the total charge of {$1800.00} was never processed. 

Each time I contact the credit card company a have basically gotten one of the three following responses that are not applicable ( or don't make sense ) : 1. Dispute exceeds dispute time limit, ( My intention was never to dispute the charge. The IRS rejected it ).

2. " We never touched the money ''. ( Not understood/applicable ) 3. " You need to submit clear information in another dispute ''. ( This was done by me as well as a rep from my local Chase bank. Nothing exists that is more clear than the letter I provided from the IRS )
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (IN)

On XX/XX/2023 I was reviewing my Equifax report upon reviewing it I seen that there were two inquiries on my report that I did not give permission for the companies to run my credit I called Equifax and asked them to remove the inquiries because they were not authorized inquiries, and they reported that they could not remove the inquiries and to file a FTC report.. I then filed the FTC report and submitted a dispute with Equifax requesting them to remove the inquiries. They then sent me a letter stating that the information was accurate and they were not removing the inquiries the inquiries I am requesting to be remove are XXXX on XX/XX/ and Equifax mortgage service done on XX/XX/. I have also attached my report from the FTC.
Consumer complaint received 2023-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-28
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. (WA)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX  and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

I examined my Consumer Reports and observed that there are two instances of delayed payments on an account for which I have a consistent history of making timely payments. Consumer Reporting Agencies play a crucial role and carry the responsibility of accurately reporting consumer information to the highest degree of accuracy. I want to clarify that I have always made my payments on time for the following account : CBNA/BEST BUY : # XXXX. Also, I spoke with the creditor and they also confirmed I was not late specifically on XX/XX/XXXX, XX/XX/XXXX. I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. 

REFERENCE PAYMENT CONFIRMATION XX/XX/XXXX : XXXX REFERENCE PAYMENT CONFIRMATION XX/XX/XXXX : XXXX I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. Again please resolve this by removing all late payments reporting on my consumer report.
Consumer complaint received 2023-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX was mailed a letter earlier this month, and did not reply. The organization had been previously requested via the credit bureaus through the dispute methods ( XXXX, XXXX ) but it has circumvented this process. 

The credit bureaus have responded that the information has been " verified, '' but each has also failed to provide the methods/ sources for their Reasonable Investigations. 

Each has stated that they selectively are able to make 'predeterminations ' without actually acquiring consumer requested documents which does not align with consumer rights under the FCRA XXXX 

A debt is being reported under my name, and I have no idea of what Synchrony Bank is- I have not ever had a bank account with this bank or a Synchrony Bank credit card. 

My letter stated that I have been a targeted in a data leak in the past, as a customer of both XXXX XXXX XXXX XXXX XXXX  thus this could have possibly contributed to someone having my personal information in which to open this account. 

However, I have requested a contract, or actual documents but again ; XXXX XXXX XXXX has conspired with the credit bureaus -- - to circumvent the FCRA by failing to provide proof of their Reasonable Investigation/s and by failing to provide signed contract/s documents for my review.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (WI)

On XXXX I learned that US Bank had a lien on my vehicle. This was a shock to me as I did not borrow any money from US Bank to purchase the vehicle. I never had a loan of any sort from US Bank. So the lien was an obvious error to me. 
I went to a US Bank branch office in XXXX XXXX, Wisconsin to get the matter resolved. The branch told me they could not assist me that I had to call an XXXX number. So I called the XXXX number to request the lien be waived. The US Bank representative told me I had to show proof of lien to them via fax before they could take any action. So I went to the XXXX XXXX XXXX XXXX XXXX  ( XXXX ) to obtain proof of lien. I then brought proof of lien back to the US Bank XXXX XXXX XXXX and requested they fax the proof of lien. I also asked the branch manager to make a call on my behalf as I was caught in an administrative snafu and needed the lien released so I could sell my car. The manager told me there was nothing he could do to expedite the matter. So I called US Bank again to inquire about the fax and was told to email the documents to them. So I emailed the documents to US Bank. I called again. Spoke to someone who could not help me and tried to brush me off but I asked to speak to a manager. Eventually I spoke to a manager and she said she would look into it. After much back and forth the manager said she would call me back around XXXX XXXX XXXXXXXX on XXXX I am still waiting for the call back. Of course I called back. I called again on XX/XX/. No movement. I am still waiting. 
All I want is the lien released. There is no loan. How can a lien be on a vehicle when there is no loan?