davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Synovus Bank (GA)

My complaint about SYNOVUS Bank as follows, I own a gas station known as XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX GA XXXX. I financed this business through SYNOVUS in XXXX, I had an interest rate of 3.5 % around XXXX the interest rate went up to 5.5 % and it remained the same until XX/XX/XXXX. 
During the pandemic I kept the business running so people could get gas for their car and other necessities, I had no employees because no one wanted to work in a retail environment, it goes without saying how much difficulties I was facing physically and financially but I had no choice but to keep the store open. While sports teams like the XXXX XXXXXXXX and high-end eateries like XXXX XXXX XXXX were getting SMB disaster and PPT loans, I was having no luck. 
Meanwhile my loan with SYNOVUS was up for renewal in XX/XX/XXXX, suffering from a down trend in business I have asked the bank to lower the interest rate so that my payment would be reduced which would be a big help for the business financially and ensure we can remain open and running. After asking for interest reduction what transpired was unbelievable, to this day I am in disbelief that banks can act the way they acted with me. I am going to describe this situation in brief. 
After I had requested an interest reduction, the bank started to send me to different loan officers, and I was getting nowhere, finally a loan officer told me I needed to go to their Branch and sign renewal documents ASAP otherwise the bank would put my property on Auction. So being afraid of losing my business I went ahead and signed the document paying double to triple amounts of money for Inspection, document fees, i.e. For your information, in 13 years I was never late with my mortgage payment, I had no non-compliance issues, all in all I had an impeccable history with the bank. After lodging a written complaint with the banks executive office, I got an email from Mr. XXXX XXXX XXXX who claimed to be the General Council for the bank, I had a few email exchanges with this gentleman but so far, I am not aware of any action bank took to address this unethical and unprofessional behavior by one of their employees.

I contend I was discriminated as a minority business owner and this was a predatory lending practice by SYNOVUS, therefore I urge you to look into this matter and take necessary actions and ask them to compensate me for my loss and adjust the interest rate to current market rate.
Consumer complaint received 2021-08-23
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. (PA)

On XX/XX/20 Experian business CRED. has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Consumer complaint received 2021-08-23
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. (PA)

On XX/XX/20 XXXX  business CRED. has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Consumer complaint received 2021-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-08-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Corporation (SC)

Receivables Management Corporation The third party collection agency has attempted to collect a medical debt, and has sent me an itemized statement with all medical procedures done. This collection agency has violated Hippa, I did not authorize Receivables Management Corporation to have access to my medical records which is in violation and my privacy rights. 
List Date : XX/XX/20 Amount : {$240.00}
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.
Consumer complaint received 2021-08-23
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: SYNCHRONY FINANCIAL (IL)

Today ( XX/XX/2021 ) I was checking out at T.J. Maxx - XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. I was offered the T.J. Maxx rewards card by the cashier, which I declined. I said I do not want any more hard inquiries on my credit because I am looking to purchase a home in the near future. The cashier tells me that it is only the T.J. Maxx rewards program and that a hard inquiry will NOT be done to sign up for the card. I replied that I would only sign up if she could assure me that there would be no hard inquiry. She assured me that they only do a soft inquiry. With assurance from the cashier I trusted the information she provided me to be correct. In fact I didn't even realize I was signing up for a credit card, with the information provided by the cashier, I was under the impression that the TJ Maxx rewards card is a similar product to the XXXX XXXX which offers rewards in the form of a debit card, but does not do a hard credit inquiry. Within seconds of signing the electronic pad at the register I feel my phone vibrate. It was an alert from XXXX that a hard inquiry was pulled for a new credit card. I'm instantly furious that I was lied to whether it was unintentional or not. I ask if she can reverse it and remove the hard inquiry. She could not, but calls over her store manager. I have a pleasant conversation with XXXX the store manager. He said he was embarrassed because he said he trains his employees to provide the proper information about the T.J. Maxx rewards card, but his employee failed to provide the proper information and that there was nothing he could do to reverse it. He told me to contact the rewards card customer service number. I proceeded to call the The TJX Rewards Platinum Mastercard number ( XXXX ) and explain the entire situation and how the card was misrepresented and that I would have never signed up if I was not lied to or provided with the incorrect information. They said they were sorry about the situation, but there was nothing they could do because I provided my information when I was checking out at T.J. Maxx. I went back and forward with them, but they were unable to solve my problem. I feel as if I was scammed into a card that I am now stuck with because I trusted the word of the employee that was representing the rewards program for T.J. Maxx. I think it should be illegal for a store to have the ability to provide wrong information and easily sign you up for a credit card in less than 10 seconds without providing the full terms of service that do not match what was conveyed verbally. All I want is for the SYNCBTJX CO DUAL CARD hard inquiry removed from my credit report, if that means closing the account, so be it.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

I am writing as I feel I have been incorrectly denied for services with AMEX and they are unwilling to escalate to the appropriate team. On XX/XX/21, I applied for the AMEX rose gold credit card with a nearly perfect credit score, very low debt to income, great credit history, no late payments, a substantial salary etc. Once I submitted my application, it was immediately declined using their automated decisioning system. In total shock, I called to inquire and was told by the customer service agent that although my credit profile was very clean, within the past 1.5 years too many credit cards have been closed, which resulted in the denial. I explained this was not the case and was told by the agent to contact XXXX. This is totally unacceptable being AMEX pulled my credit profile and have a copy of my report that could be reviewed for accuracy. Being I work in the financial industry, I requested to have my application manually reviewed by underwriting and was told no, the system will not allow me to resubmit for second review. Frustrated with this reply, I requested to speak to a manager and was informed one was not available and would return my call within 3-4 hours ; never heard anything. I feel this decision is inaccurate as I have not personally closed any credit cards within the last 1.5 years and expect a valid reason to not approve my application. Credit cards being closed by a creditor for inactivity should never impact a credit decision.
Consumer complaint received 2021-08-23
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: MAJR Financial Corp (PA)

On XX/XX/20 XXXX XXXX XXXX.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have never been 30 or more days late on my XXXX  XXXX account for my car loan .. XXXX  XXXX is affecting my credit with these false /erroneous late payments.. This is a violation of my rights.. Remove/Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. 
Fair Credit Reporting Act 5 609 Disclosures to consumers : ( c ) ( 2 ) ( E consumer reporting agency is not required to remove accurate derogatory information from a consumers file, unless the information is outdated under section 605 or can not be verified.

Fair Credit t Reporting Acts 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy : Reinvestigation of Disputed Information ( ) Reinvestigation Required n general Subject to subsection ( f ), f the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is dispute by e consumer and the consumer notifies the agency directly. or indirectly through a reseller, of such dispute the agency shall, free of charge. conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information. or delete the item from the File in ( 5 ), before the end of the 30-day Period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Fair Debt Collection Practices Act section 8o ). Validation of debts : [ b ) If the consumer notifies the debt co writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of
Consumer complaint received 2024-08-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Credit Card Receivables Fund Incorporated (CO)

XXXX XXXX XXXX have garnished my bank accounts for a debt that was not owed due to a Bankruptcy that was charged off in 2016. I have filed timely responses to the courts regarding of the unknown/ unowed debt, and XXXX XXXX is the Attorney Office that collected for UnifundXXXX XXXX XXXX. I have provided proof of no right of recovery, and they garnished the account after the statute of limitations had been exhausted, by 2 years. The actions taken have been well reported to be in strict violation of the CFPB Laws, and should be held liable for punitive damages.
Consumer complaint received 2021-08-23
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. (NJ)

Experian refuses to remove fraudulent addresses from my credit report. I reached out to them multiple times and I get the same response every time " We can't remove the addresses only the creditors that reported them can ''. The problem is I don't know where the creditors are getting these addresses from. They're addresses I have never lived at and or received mail at. Upon using XXXX maps some of the addresses are local businesses which should automatically be a red flag for fraud.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-08-21
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: BARCLAYS BANK DELAWARE (FL)

On Sunday XX/XX/2021 I bought a plane ticket from XXXX XXXX using my JetBlue Barclays Card. The cost was {$420.00}. 
Several hours after the purchase XXXX XXXX sent me an email saying that the purchase could not be processed, but didnt say why. 
I called and they said that they needed to validate my credit card and they requested copies of my card and my drivers license. I sent those copies by email. On Tuesday XX/XX/XXXX they charged my credit card for {$420.00} but they still did not give me the plane ticket. 
On Friday, XX/XX/XXXX they still had not given me the plane ticket and they wouldnt say why when I called, so I opened a complaint with the credit card company. 
After one month the credit card company said they cant process the complaint because I never sent them requested documents. THEY NEVER REQUESTED ANY DOCUMENTS. 
I reopened the case against and sent them by fax all the correspondence by email between myself and XXXX XXXX. 
Last week they sent me a letter saying that they closed the case due to insufficient evidence. 
XXXX XXXX CHARGED MY CREDIT CARD AND NEVER GAVE ME A PLANE TICKET! Thats FRAUD, if Im not mistaken. 
I was forced to buy another ticket from another airline.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I was informed via mail my account was closed, due to fraud. I am unaware what the fraud is ... I was contacted by XXXX XXXX services acct ending XXXX via USPS. If I am under investigation for fraud it would be essential that I know this I have not filed a report but I did request for a credit freeze. 

I need to know the details of the fraud so I may rectify it. Otherwise Why have my card been canceled without my authorization
Consumer complaint received 2021-08-22
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. (OH)

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization.

1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Consumer complaint received 2021-08-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

XXXX of 2021 my husband moved out and caused the financial disaster by XXXX I called and was ready to make payments ( it was in forbearance ) and was told I can longer make payments on the home I applied for a loan modification to put the past due amount in the back of the loan the lender always finds a problem with and lies when I ask about when I was sent a notified letter saying my home is being sold none of that matters weve been going back and forth ever since First time my home was going to be XXXX was XX/XX/XXXX I found out and only had a few days to save it I did now they denied my application because im too poor when I work cash under the table rent a room yet they only accept what they feel they want to they are evil so now I dont know what to do plus my mom is XXXX I asked for time they said no! Please help I just want the modification it would bring ny payment from XXXX to XXXX they said this to me or else a Deferral just something I am doing everything possible but they make it impossible to save my home I was told to be careful because my home has alot of equity they might deny it for " other '' reason please help please My lender is Rushmore financial institution bunch of XXXX!
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (CT)

A debit card dispute was filed for a transaction, {$110.00} XXXX XXXX on XX/XX/year>. The item is a duplicate subscription to XXXX XXXX, in which case, I already have a subscription which was purchased directly through XXXX, which I confirmed with XXXX directly. A charge back was filed for duplicate subscription which was canceled and refund refused by XXXX. A temporary credit was issued in amount of {$110.00}, since reversed back out of account, TD Bank claims subscription cancelled after it posted to account, refused to assist despite cancelled and non-refund by XXXX. I received an email from a XXXX rep, XXXX, on XXXX, stating a manual refund can be issued but after 180 days, which is ridiculous amount of time, appears to be bogus time frame which I believe is set in order for time to run out before item can be further disputed with TD Bank. A screen shot copy of email is attached. Today, I attempted to dispute item yet again, unable to provide TD Bank rep who took claim a copy of email to support claim, I am attaching it here. I request TD Bank assist with this charge in anyway they can with email info provided showing refund after 180 days.