davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-01
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)

To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported.

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit reports. Please be aware, XXXX  has already deleted this account as it was in violation. You can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact bearing my signature with your company, giving you the right to collect. I have enclosed a snapshot of my credit report showing the reporting. 

Delete per violation, cause you have no legal right to collect because you do not have no original contract on file with my bearing my signature and please do not reply with copies of credit card statements, or copies of papers from third party carrier or original creditor, as this do not validate the right for you to collect, as this will  not hold up in court. 

Again, I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt.

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering, this reporting as cause me to be denied of funding. For your records and proof, I have enclosed a copy of the credit reporting.
Consumer complaint received 2020-03-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (AL)

Received a flyer in the mail saying I was approved for line of credit for XXXX I went on the website the flyer told me to go to and had it deposited in my account after giving them my banking info and my pay dates. They put XXXX in my account XX/XX/XXXX then payment was due for XXXX I paid it. Then I got message payment was do again on XX/XX/XXXX I don't have the min. Payment they had due because they have took it off my account statements now. But I think it was XXXX I paid XXXX on XX/XX/XXXX then on XX/XX/XXXX I paid XXXX then by XX/XX/XXXX I had to ask for a draw because of having to give them my whole XXXX check. Then on XX/XX/XXXX they try to get XXXX which declined causing me fees. This went on and on wanting outrageous payments every two weeks until I almost lost my home. Had do money to even live off of. Here is my really big problem!! XX/XX/XXXX they said my outstanding balance was XXXX then by XX/XX/XXXX my balance was XXXX ok was told pay extra on it my balance would go down. Ok XX/XX/XXXX paid XXXX on this XXXX I owed. And was more than the minimum payment I had. That should have brought down to XXXX paid XXXX on XX/XX/XXXX should have brought what I owed to XXXX then XX/XX/XXXX paid another XXXX all with no draws balance should have been XXXX went back online to check my balance XX/XX/XXXX they had by balance at XXXX again after paying XXXX month of XXXX with no draws contacted them and theyre trying to tell me I owe this!! No way do I owe this they're crooks told them I was going to report them to everyone I can XX/XX/XXXX go online check balance they got I owe XXXX went on there today they got my balance XXXX The total amount I have sent these crooks is XXXX with a total of XXXX in small draws because they were taking my whole check monthly. Didn't even have nothing to live off of. And about to get put out of my home because of getting behind paying these crooks my whole income. This place needs to be shut down forever!! They're crooks!!!
Consumer complaint received 2020-03-01
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. (NY)

Equifax, XXXX, and XXXX XXXX are reporting inaccurate information on my charge offs. I disputed with the Credit Bureau however they're still reporting inaccurate information. They are in violation for reporting inaccurate tradelines.
Consumer complaint received 2020-03-01
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (WI)

Reopening complaint XXXX Company responded would send paper bills, never received paper bills or letter that they attached here. Still getting emails stating my statement is ready. Have not been able to pay now for 3 months. 20+ harassing phone calls a day asking for money, 10+ emails trolling asking to log into my account to pay which is what started this complaint and now putting on credit scores no payments. This company is a scam and the person that responded is a liar.
Consumer complaint received 2020-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I upgraded my credit card at Chase and wanted to close my old credit card with them. Unfortunately, it refused to close so I went into a Chase store branch in XXXX to close it in person. The service manger helped close the account but I was charged a late fee and the credit card reopened and I just found out about this in XX/XX/XXXX when I noticed I had a Delinquency Report on my account and my Credit Score dropped almost 100 points. I went back to the store again to fix this problem and they said that a merchant continued to charge that account and it reopened the closed account which doesn't make sense. How can a merchant reopen a closed account without the account holder 's permission. Chase claims they are not responsible for this mistake because there was nothing wrong with their system. Additionally, I had the account on auto pay as well so there shouldn't have even been any missing payments to begin with. I hope you can help me resolve this issue.
Consumer complaint received 2020-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX : I have NEVER given this company consent to my private personal information which is identity theft. This company nor whomever their client does not have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation, they need to retract this from my credit file immediately.
Consumer complaint received 2020-03-01
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THOSE ACCOUNT AND I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT. BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2020-03-04
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. (MD)

Good Day, I am writing to dispute the derogatory credit mark made against me by XXXX XXXX XXXX. XXXX XXXX received a payment of {$2900.00} on XX/XX/XXXX for the XXXX billing cycle. Due to an update to the escrow amount, the payment was short {$57.00}. I did not receive a notification letter nor was there an email or phone call of said change that would warn me that my mortgage amount had updated. After being out of the country from XX/XX/XXXX through XX/XX/XXXX, I was shocked to receive a letter from XXXX XXXX claiming I was 30 days past due on my account. 

Upon returning from being out of the country, I immediately called XXXX XXXX customer service to understand the matter fully and address it, I was educated by the representative that instead of leaving the funds in suspend ( per XXXX XXXX 's policy ), the payment was processed as a principal-only payment. The payment was never noted to be a principal-only payment, rendering my account 30 days late. If the payment was left in suspend, then the following payment of {$2900.00}, received on XX/XX/XXXX would have rendered the XXXX balance to be paid in full. After several calls to their customer service, they ultimately reversed the principal-only payment, acknowledging the incorrect process, but will not reverse the derogatory credit reporting caused by their error. Due to this processing error on XXXX XXXX XXXX part, I do not agree with the negative assessment placed against my credit report. 

In my 3 years of home ownership, I have never missed a mortgage payment, or any other payment for that matter, and my credit score and history reflect that. XXXX XXXX XXXX lack of clear communication regarding the escrow update, making my mortgage payment a principal-only payment, and the lack of ownership for their processing error, makes it clear that they do not care about the average consumer. 

Attachments : 1. I have provided a copy of their statement that explains their " Partial Payment '' policy, in which they did not follow. 
2. I have provided my payment statement that shows XXXX payments processed for the same amount as the XX/XX/XXXX, however, XXXX XXXX processed it as principal-only, unauthorized.
Consumer complaint received 2020-03-01
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: DISCOVER BANK (MI)

I have reach out to company directly via mail, email and via the XXXX. I recently lost my wallet 3 months ago and now notice several things on my credit report. I have advise Discover it is not mine they reply with : upon investigation an credit application was submitted. '' I do not understand what that mean or how this investigation was conducted to verify the validity of this application.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CO)

I paid off the balance on my Wells Fargo XXXX XXXX XXXX card on the last day of the billing cycle. They did not post the payment promptly, and told me it could take up to 3 days to post to my account. As a result of not posting my payment in a timely manner, they reported an incorrect balance to the credit reporting agencies. I asked them if they could do a forced, off-cycle update to the credit bureaus to accurately show my account information, and they denied my request. All of my other credit cards, ( XXXX XXXX, XXXX, XXXX XXXX, XXXX ) post payments the night of the payment. I am working on financing to buy a home and wanted my credit report to accurate reflect my account balance.
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

In XX/XX/2023, I fell victim to two multi-layered scam operations run by a group of people who presented themselves as an employee of XXXX, an FTC officer ( XXXX ), and also a XXXX officer ( XXXX ), which involved me making deposits for a total amount of XXXXXXXX XXXX from my Chase Bank account to their bank account.
Consumer complaint received 2020-02-26
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. (NV)

I applied for an XXXX XXXX XXXX card today. Prior to applying, I verified that it was not stated that my personal credit would be pulled. In fact, the SSN entry box had an information icon next to it which, when clicked, clearly states that my social is only being used to verify my identity. This is a business account and as such should not report on the personal side anyway. If I granted permission or authorized this inquiry, then it was hidden which violates UDAAP and should be immediately removed as it was obtained illegally. XXXX XXXX refuses to acknowledge their illegal practices which obviously violate UDAAP.
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/2019 statement. Previous bal {$1.00}, XXXX. OTHER CREDITS {$2.00}, XXXX TOTAL CREDITS for this period are the merchants credits of {$910.00}. OTHER CREDITS {$2.00}, XXXX were temporary credits so temporary credits given at beginning of investigation by USAA policy MUST be MADE PERMANET TO CREDIT THE ACCOUNT. UNLESS the fraud reported was NOT in consumers favor then USAA policy is to reverse the credit BUT IF THE CREDITS ARE INTERNAL HIDDEN NOT THE WHOLE TRUTH PROVIDED ON STATEMENT then I will need EXPLANANTION CONFIRMATION WHY the {$1.00}, XXXX temporary credits were NOT MADE PERMANET yet were reversed. All transactions that have an ( F ) in reference # ARE PREVIOUS FRAUD CHARGES NOT MADE PERMANET BY USAA BUT without making permanet these charges BECOME NEW PURCHASES??? The New Purchases that have an ( F ) in reference # ARE CREDIT REVERSALS NO PERMANET CREDIT PROVIDED BY USAA TO REVERSE THE CREDIT NOT EVER GIVEN. ALL THIS IS HIDDEN FROM MY VIEW INTERNALLY : I am a victim of ID THEFT. I will need Documentation of these Hidden Fraud Credits. Please provide in writing WHY CREDITS WERE REVERSED?? Dates of each PERMANET CREDIT TO ACCOUNT * THAT LOWERED THE BALANCE. IF MERCHANT PROVIDED FEEDBACK TO PREVENT THE CREDIT I WILL NEED THAT DOCUMENTATION FROM THE MERCHANTS. IF USAA REFUSED CREDIT I NEED THAT DOCUMENTATION WHY?? WITH PROOF IN WRITING. Because THE TRUTH IN LENDING STATEMENTS. DO NOT PROVIDE THE " WHOLE TRUTH '' INSTEAD USAA HIDES CREDITS. THIS WOULD NOT BE REQUIRED BUT USAA POLICY IS TO HIDE ALL FRAUD CREDITS INTERNALLY ON TRUTH IN LENDING STATEMENTS.
Consumer complaint received 2020-02-26
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: Experian Information Solutions Inc. (CA)

On XX/XX/2020 me and my sister went to XXXX XXXX XXXX  to apply for a mortgage loan to buy a house together. We were both denied because of negative accounts on our report. My sister was also a victim of identity theft. We filed a report with our local police department. I have reached out to all the companies involved as well as all 3 credit reporting agencies. There are credit cards opened in my name as well as county records for what looks like some kind of family court.
Consumer complaint received 2020-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

I have had an issue with my mortgage company. I got a notification of a large increase in monthly payments and so I called more than a half dozen times to get an explanation for the increase. I could not get any answer nor even someone to talk to me. At last, after many many tries, I did talk to someone who I asked for a detailed account for the increase. She did not have any specifics but did say that the company policy was to ask for two additional monthly payments. I did not sign any agreement calling for extra payments in advance, although I do realize that my original mortgage company has sold my loan to another company. I need a detailed explanation for the rate increase and I want to say that I should not be subject to the two additional months of advance payments since I never agreed to such a practice.The statement date was XX/XX/2020 and showed that the payments would change from XXXX to XXXX ( and increase of XXXX. The statement also showed an escrow deficit of XXXX.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

I took out two ( 2 ) loans with Synchrony Bank for a musical instrument for my daughter. I set up the two accounts in my XXXX XXXX XXXX online bill pay. I set up the account online after authorization and was total the both accounts required payment in late XXXX ( I believe XX/XX/XXXX ) so I set both accounts to make payment on XX/XX/2019 ( Loan # 1 - $ XXXX/mo and Loan # 2 -  $ XXXX/mo ). 

For each account, payments where made in XXXX. I started receiving calls in late XXXX. I sent two payment in XXXX and the calls continued. I travel extensively and thought the payments are going so not sure what occurred. I get marketing materials via email ... .my payments continued. 

Finally, I look at my snail mail and see - You are delinquent. My fiance calls to understand what is going on and Synchronicity Bank says, " You have to have your fiance on the call since the loan is in his name ... '' but the loan is in her name as well. They refuse to discuss the issue with her. 

Finally, I call with her and here is the story line - for the {$180.00} cent loan, you owe {$270.00} to put the loan back to good standing. Ok, I disagree, but I don't want to argue over this amount. I asked, can you fix the credit reporting. They said that I was delinquent. I explained that I made payments ... and you guys were the ones who started this off wrong to begin with ... do you see that I am making payments. 

Then the focus turns to the $ XXXX/mo load. You owe $ XXXX+ dollars. For what? Fees. Why is the other loan not taxed with fees. Its the same loan with higher principle. Right. Yes, but your payment of $ XXXX/mo is less. Its less because the principle on that loan is less. Correct? Yes, but you are delinquent. First, I am no more delinquent than on the larger loan. Second, that makes no sense what so ever. Please explain. There was no explanation, just pay the fees. Finally, I asked what is the full payment of the loan and I sent that amount in. 

The failure was that at no time could anyone explain what occurred or how the fees were different. Or more importantly, why there were tagging my credit. 

I am absolutely positive this is a practice by Synchrony Bank that others are experiencing.
Consumer complaint received 2020-02-26
Product: Credit card or prepaid 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: CITIBANK, N.A. (MD)

I did donate {$300.00} to an organization and by mistake they charged {$3000.00}, when they try to return the money back to their merchant XXXX, for the amount of {$2700.00} I never received it and I proceed to place a dispute, after a month my money has not been returned to my account. Than The organization decided to return the total amount of {$3000.00} and he stated that XXXX closed his account, so now looks like the merchant XXXX keeps the money as per Citibank from where my card is issue. I have been calling CITIBANK several times and they keep telling me they don't have the return yet, and asking me to send proof, which i did send. it looks to me that CITIBANK is not willing to help me, After 3 months I dont have a resolution of this matter from any of the merchants involved. please help me to resolve this problem, my charges in the credit card keeps showing i own this money, Thank you
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/XXXX an XXXX  unauthorized purchase was made for {$1500.00} on my Sams club master credit card. On XX/XX/XXXX unauthorized purchases were made to XXXX for {$3700.00}, XXXX for {$1500.00}, XXXX for XXXX, XXXX {$2000.00}, XXXX for {$1100.00}, XXXX for XXXX, and XXXX for XXXX also, on my Sams club master club card. On XX/XX/XXXX, I noticed the unauthorized activity and call Sams club credit to inform them of the unauthorized charges. They reassured me that if I didnt make the charges that I would not be financially responsible for those charges. They said that it would be handled by their fraud investigation. I received a Fraud Investigation Form that was dated XX/XX/XXXX. I filled it out, explaining that I did not make those charges, how my credit card was in possession, how my account was hacked, my address was change, my email address was changed, along with my phone number. Also, my alerts were changed and my credit limit was increased and none of these change of events set off suspicious activity alerts to the Sams club credit. I sent the form back and I was notified that they felt that I authorized, participated in, or benefited from the purchases. I called them to see how this could be possible how could they make that wrong determination and they said that the chip was used. I have since discovered that the XXXX purchases were made in Florida. There is no way I made those purchases, I was in XXXX XXXX, Puerto Rico when those purchases were made, and my Sams club credit card was in possession and is still in my possession.
Consumer complaint received 2020-02-26
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: Experian Information Solutions Inc. (CT)

XXXX XXXX and XXXX XXXX hold inquires for XXXX  XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX on my credit report and record