davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
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. (GA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

Metro 2 compliance letters were mailed out to all 3 credit bureaus on all of these following dates. 
XXXX XXXX XXXX XXXX XXXX They seem to refuse investigating my accounts considering all the stall letters I've received.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-12-30
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: READY MORTGAGE LENDERS LLC (FL)

: " I XXXX XXXX and XXXX XXXX ( XXXX and XXXX years of age ), contacted XXXX XXXX, in reference to the hardship I was going through. He met us at my property located at XXXX XXXX. XXXX XXXX XXXX, Fl XXXX. XXXX XXXX XXXX introduced us to XXXX XXXX XXXX, Ready Mortgage, who offered me a reverse Mortgage, based on our economic situation and age. ( Please see attached document dated ). Throughout the 3 months delay Ready Mortgage was processing our Reverse Mortgage. We had to pay late fees approx. {$300.00}, to our Mortgage company, XXXX XXXX. Also Affected my credit at the Credit Bureau. Due to their 3 months delay, we had our house in danger of foreclosure. We had to pay to XXXX XXXX more than {$4000.00} dollars due to their delay on closing our Reverse Mortgage. We also had to pay the appraisal fees of {$320.00} plus upfront expenses. In addition, they wanted us to pay another additional appraisal fees, but we said " No ''. During the Reverse Mortgage process they requested some changes to our Home Property Title for us to qualify. The title change was made for a fee of {$800.00} dollars. Then, we had to get our Home Property Title rewritten correctly for another extra expense which we had to pay. The documentation requested in XXXX was never provided. " Due to Ready Mortgage delays and process our Reverse Mortgage they almost cause to put our property in foreclosure Affecting my credit at the credit bureaus with a bad note due to me. 

On 2014 though a XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX advertise to assist us consumers. 
I contacted XXXX XXXX, in reference to the hardship I was going through From his meeting at my property located at XXXX XXXX. XXXX XXXX, Fl XXXX XXXX XXXX XXXX to, XXXX XXXX, Ready Mortgage, they offer me Reverse Mortgage.
Consumer complaint received 2024-08-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This past XXXX or sometime earlier this year I contacted XXXX or XXXX in regards to my credit report. I reported false claims on my credit report. They went ahead and removed it. I know for legal reasons, they have to note and document when something is removed from my credit report. 

The Cardinal Group had originally reported something on my credit report because of the XXXX XXXX renters and housing crisis. While nobody was able to work, they still harassed me to make payments. Jumping to 2024, I had this credit ding removed from my credit report. Now its popping up again as a new outstanding collection under a new name of XXXX XXXX XXXX 

I never heard of XXXX XXXX XXXX. They never mailed or emailed me anything. But one thing is for sure, this debt is owned by Cardinal Group and it was removed from my credit report. 

I know that collection agencies are companies that choose to bye debt. But they are required to inform us when our debt moved around. They are also not allowed to please debt back on our credit report after a credit agency removed the charges/claims. 

Please teach out to either XXXX or XXXX about this collection.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I contacted Synchrony to place a dispute for a charge on my Amazon Store card issued by Synchrony because I had received a counterfeit item, not the item I ordered as advertised on Amazon. The total charge was for {$110.00}. Specifically, I ordered a headset advertised as XXXX XXXX XXXX. XXXX was also mentioned in the ad. XXXX XXXX XXXX are trademarks of XXXX, XXXX is an XXXX headset model. The headset I received was a cheap counterfeit. Nowhere on the box did it say XXXX, XXXX or XXXX. What the box did say was " XXXX line design of advanced XXXX. '' Inside the box was a cheap counterfeit headset and a note saying that if I left them ( the seller ) a good review on Amazon, I could have the headset for free. All I had to do was send them a copy of the review! I contacted Amazon about the counterfeit sale several times. The seller was removed from Amazon, but I see he is selling the same item now under a different seller name. Amazon said they would issue a refund to me, and that I didn't need to return the item, as the seller was requesting I pay to return it. But Amazon never did actually issue a refund. So I decided to resolve the credit card company, Synchrony because it's my understanding credit card purchases are protected from fraud. Synchrony denied my dispute because the Amazon seller provided proof that I had received the item they shipped to me. I did receive the item. However, Synchrony didn't require any proof that the Amazon seller sent me what I ordered, which was the problem at hand. The seller also denied that I had contacted them about a return. I did contact them, and so did Amazon. But the seller wouldn't send a prepaid shipping label. I don't believe I should have to pay to return a counterfeit item. It is my belief that the seller, Amazon, and Synchrony are committing fraud against Amazon customers. Since Amazon and Synchrony are in bed together, innocent buyers are no longer protected. I'm a woman, and a senior citizen on an extremely low fixed income. I would appreciate it if someone did the right thing here, and refunded my money for this counterfeit headset. A photo of the headset received and my Amazon invoice are attached. Thank you.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

My ex-wife and I had a co-signed credit card account with USAA. My ex-wife filed for chapter XXXX bankruptcy and the account was included in her bankruptcy. I was not a party to the bankruptcy and it should not affect my credit report. USAA stopped my automatic monthly payments without notice to me and deleted the account from their website so I was unable to view any status. Upon my noticing the account was missing from my view on their website, I called them and their customer service representatives were unable to process a payment via phone. It took XXXX hours over a series of phone calls before it was determined how it was possible for me to make payments. I have continued making payments monthly. USAA refuses to send me monthly statements and I have to call their bankruptcy department via phone to make sure my payments are received. The balance is now lower but USAA is reporting this account to the credit reporting agencies as a serious delinquency/missed payments with past due amount of the original balance that was included in my ex-spouse 's bankruptcy filing. I have disputed this status with all three credit reporting agencies, but USAA response is that the account is accurately reported. The bankruptcy department representatives that I have spoken with via phone say they can not help me and that I should pay for a lawyer to pursue this with USAA.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX AND XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX AND XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2023-07-27
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. (FL)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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.
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CT)

I am a signer on my Mothers bank account. My Mother passed away on XX/XX/XXXX. The bank refused to close the account stating they have to return funds to Social Security Administration. My Mother has a direct deposit with the Social Security Administration, and the Administration automately deducted the payment that was made to my Mothers account after her passing. The bank continues to leave the account open after almost a year, charging monthly fees, and refusing to remove my name from the account. I have communicated with the bank over the past several months. In detail during the month of XX/XX/XXXX, after going to the social security office, and being advised the bank was inform on XX/XX/XXXX, that Social Security Administration was not seeking any additional repayment outside of the auto pay that was reversed in XX/XX/XXXX 
After my communication with the bank on Thursday, XX/XX/XXXX, the back added addition charges, which were previously removed months ago, back to the account.
Consumer complaint received 2023-07-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (UT)

For 4 years, I have tried to resolve this issue. In XXXX, I spoke with an account representative at IQ Data named XXXX XXXX, who began yelling at me over the phone as to why I could not afford to pay the account. He told me he does not care about any of my reasons and he will make sure I can never own a home, demanding I pay or there will be consequences. He would talk over me and not listen to anything I had to say. 

I hung up the phone and called the main line at IQ Data where I explained the situation. The lady on the phone said that XXXX 's behavior was inappropriate and they were transferring my account to another agent. She assured me " you will never have to speak with XXXX XXXX again as we do not handle business in that manner and I apologize for the treatment. '' Two years later, I called again to resolve the account and they told me " XXXX XXXX has since been promoted to manager and will be handling your account-you can only speak to him. '' That time on the phone, XXXX said he didn't recall how he spoke with me last time and so he refuses to move my account to someone else. I attempted to pay the original balance and he said I need to pay him an additional {$600.00} of an illegitimate debt. 

Please see attached supporting documents of correspondence. I drafted a letter to this agency outlining timeline of events and why this debt is illegitimate. I did not receive a response. I also included information from Data IQ attached.
Consumer complaint received 2016-10-04
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (GA)

I leased a car through Chase. At the end of the term, I turned in the car and received my final settlement statement including turn in, disposition fees, additional mileage, etc. I paid the total of {$970.00} in FULL. Months later, I received a collection notice from Chase in the mail for {$250.00}. I had never even been contacted by Chase about this. When I called their collection dept. to inquire, they stated that a teller had made a payment to my account in error, and I needed to pay for the tellers error. I now receive calls at least twice a week from the collections dept. To my home, to my work. My account was paid diligently every single month on the same day. This was a BANK error and I should not be hassled weekly for an error the bank has made.
Consumer complaint received 2017-01-21
Product: Credit card — 
Issue: Convenience checks — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I used a convenience check I received in the mail in XX/XX/XXXX to transfer a balance to a Bank of America credit card I already had open. My credit line is $ XXXX and the check was for {$2700.00}. The Bank of America fraud dept called me on XX/XX/XXXX to verify I had signed and sent the check, which I had, and they said it would clear. The same day they denied payment on the check and put a letter in the mail to me, which I did not receive until XX/XX/XXXX, stating the check was rejected because the " signature did not match ''. I ALWAYS sign my signature the same way using my first initial, my full middle name, then my full last name and though I have never written a check to this account before I was not informed on the phone about the signature being an issue - they assured me " everything was fine ''. Subsequently after the checked bounced the other credit company charged me {$25.00} returned check fee. I suspect this also put a ding in my credit with them. I called Bank of America and requested they refund me the {$25.00} but they denied any wrong doing, despite there being a written record of them speaking to me and approving the check. They said I could resubmit the check within 10 days and they would honor it but would not compensate me for their negligence in the spirit of " protecting me against fraud ''. This horrible customer service cost me {$25.00} and a day missed at work due to a XXXX and they do n't seem mind the trouble it caused me at all.
Consumer complaint received 2024-10-14
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. (GA)

I am formally disputing an entry below on my credit report issued by your agency. By my rights under the Fair Credit Reporting Act ( FCRA ), I would like to ask for an immediate investigation of this entry as I believe that the information has been placed on my report without permission or my explicit consent, violating my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Lack of Permissible Purpose : According to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain conditions, such as when there is a legitimate business need or express permission from the consumer. However, the entry in question does not meet these criteria, and no permissible purpose or consent was provided by me for the inclusion of this information on my credit report. 

The law is clear : Under 15 U.S.C. 1681b ( a ), consumer reporting agencies are prohibited from furnishing a consumer report unless the party obtaining the report has a specific purpose authorized by the consumer or the law.

Additionally, 15 U.S.C. 1681b ( f ) states that any user of a consumer report must certify the permissible purpose for which the report is being obtained. 
In this case, I did not authorize any such inquiries or accounts to be added to my credit file, nor was any permissible purpose legally justified. As such, the inclusion of this information is both unauthorized and unlawful. 

Violation of My Consumer Rights : Furthermore, under 15 U.S.C. 1681n and 1681o, any willful or negligent non-compliance with the FCRA entitles the consumer to statutory damages. The failure to ensure that only authorized parties have access to my credit report, or that inaccurate information is being reported without verification, places your agency in direct violation of these sections of the FCRA.

Action Requested : I am requesting that your agency : Remove the unauthorized or inaccurate information from my credit report immediately. 
Provide written confirmation of the investigation process and the outcome within 30 days, as required by law. 
Please note that failure to correct this violation of my rights under the FCRA may result in legal action, where I may seek damages for the unlawful reporting of unauthorized or inaccurate information. 

Thank you for your immediate attention to this matter. I look forward to your timely response and confirmation that this issue has been resolved.
Consumer complaint received 2016-08-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Protection Association, L.P. (TX)

I am the victim of identity theft. Several years ago I banked with XXXX XXXX. XXXX had a massive data breach which resulted in my full name, driver 's license, social security number and birthday being sent to over XXXX people. Several accounts were opened in my name as a result. One of them was a residential lease that I was not part of and then cable service at this address I never lived at. During the time this lease was executed I did not even live in the state let alone the city. I have provided all credit reporting agencies and this company with proof yet this company continues to report this false information. I am attaching a proof of identity theft from XXXX XXXX which includes a phone number any creditor may call to validate my claim.
Consumer complaint received 2017-03-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (LA)

I enrolled in a XXXX College course in 2007. My tuition amount was increased after classes had already started. Albeit I was told beforehand that it would n't happen. Several years after graduating and life experiences, I went through a hardship that rendered me homeless for a few years. As I 'm writing this, I am just recovering. Explaining this ordeal to a service rep seems to fall on very deaf ears. I was always offered a forebearance, never offered a solution that made sense, was suitable to my situation and that would help me be in good standing to allieviate the loan. Not a very pleasurable experience whatsoever. I am a XXXX, married man and father to a child under XXXX yrs of age. My desire is to improve and create a better quality life for my family. Thank you for reading.
Consumer complaint received 2023-07-27
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)

Account # XXXX Account # XXXX Account # XXXX Inquiry, XXXX XXXX, XXXX Inquiry XXXX XXXX XXXX XXXX Has violated my rights and law 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 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
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is for Transunion, they are reporting a XXXX account, with a balance of XXXX that does not belong to me. They are listing me as authorized user, and i have no knowledge of this account, and it needs to be removed immediately. They are also listing twice that I have a delinquent account with XXXX and that it 's a charge off : XXXX in the amount of {$5500.00}. This is not mine either!