davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

My wife and I were under a forbearance agreement with XXXX XXXX. We gave them one payment at that time of what we could afford, XXXX  started the billing process on us and stated that we were late now. They reported us late for the next 6 months till we had to work out payments and a loan modification. Since then, we have paid on time every month. We have complained about the negative reporting before, and their response is as always. Per the fair debt collection act, we have the right to report what we want. I have advised them that since they agreed at the time to follow the cares act, they are governed by the rules and not allowed to report something negative like that. the past two times they have stated they would check into it and have someone get back to us. Recently we applied for an equity loan and was turned down because of our payment history from the mortgage company. With a forbearance in place and after the modification we signed with them they have continued to show and report negative remarks from our past history and from our late fees and account issues from the forbearance time. they see in their system that we signed the forbearance agreement however they didn't follow the rules on their side. I have done the research and found that they have done this to several other clients also.
Consumer complaint received 2019-03-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (MI)

In XXXX/XX/XX/2016 I had XXXX XXXX XXXX XXXX repair my roof they were to replace 3 rafters, 200Sf of decking and the roof Plus NO MAINTENCNCE gutters! 
They did not replace any of the rafters or roofing deck! But they did fall through my ceiling and damage my electrical wires in the attic! This project was financed through XXXX a who is serviced by Synchrony Bank For over a year I paid XXXX and kept calling XXXXs To get them to finish the project and to repair the damaged they did to my home! 
Just got the run around from XXXX SO I notify XXXX of the problem and was told they could not do any thing about their home improvement Group! 

I stop paying with in 3 month Workers from XXXX start coming around and calling me 3 to 4 times a day. They did quite me a price of {$14000.00} to fix the damaged that they did to my home! I told them to go to H! 

Synchrony Bank also services XXXX gas and XXXX XXXX XXXX which I HAD credit Cards for. 
I paid line my XXXX card after I get my XXXX check as I have for OVER 5 year. But this time Synchrony Bank posted my XXXX payment to my all ready-paid XXXX Bill! Charged me {$27.00} late fee canceled my Credit card and reported me to the credit company for being late all the time! 
They all so canceled my XXXX XXXX XXXX and credit card! Also reporting me to the credit reporting companies! 

It did cost me {$7000.00} to repair the damaged wires, {$250.00} to fix the gutter that was spelling rainwater onto my DET meter box. 

Synchrony Bank has stop calling BUT Workers for XXXX XXXX XXXX XXXX and XXXX are still calling me some times 5 times a day and after XXXX!
Consumer complaint received 2023-10-14
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. (AZ)

The following inquiries were not authorized by me and are unrecognized. I have been the victim of identity theft in the past and will attach copies of the police reports. I have requested that TransUnion remove these unauthorized inquiries from my consumer credit report yet these unrecognized inquiries exist on my credit file. 

The inquiries that are unrecognized are : - XXXX XXXX appeared on XXXX- XXXX XXXX appeared on XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNRISE CREDIT SERVICES, INC (FL)

I received an alert that my credit report was updated. I checked XXXX ( my XXXX report is fine and accurate ) and an account that I never had is now on my report re : a past due collection from earlier this year. I have been living abroad for over a year and don't have any accounts open in the US apart from my credit cards. I disputed this with XXXX but the fraudulent account wasn't removed from my credit report.
Consumer complaint received 2023-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (IL)

Iv been receiving calls from WakeField and Associates for a couple months now, I dont answer calls from any number other than my area code ( XXXX ). Iv never received any paper mail from this collector in regards as to how much I owe or what I even owe them for. It showed up on my credit report today ( XX/XX/23 ) that I owe {$900.00} to them. No description. I thought it was a scam trying to take advantage of me but I would think that they would have sent me paper mail before taking action like this. I would like this taken off my credit report and proof that I owe them any kind of money to them.
Consumer complaint received 2023-07-06
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP (OH)

I purchased a {$200.00} XXXX XXXX gift card at a XXXX XXXX grocery store on XX/XX/2023 at XXXX XXXX located on XXXX XXXX and XXXX XXXX in XXXX, Ohio. I used my KeyBank credit card to make the purchase. When I attempted to use the gift card to purchase materials on XX/XX/2023, the Card # and Pin # on the back of the XXXX was damaged and the Card # and Pin # were illegible and the gift card was deemed not permissible by the XXXX XXXX employee who scratched off the section on the back of the card to view and use the Card # and Pin #. I then asked the XXXX XXXX employee to research and obtain the XXXX # and Pin #, they indicated they were unable to do so. I then proceeded to a Customer Service representative and XXXX in another part of the XXXX XXXX location on XXXX XXXX in XXXX, Ohio. The customer service representative and XXXX also informed me that they were unable to assist and directed me back to the XXXX XXXX where I purchased the giftcard. I then returned to XXXX XXXX and inquired as to refunding the {$200.00} giftcard amount or replacing the cards. They were unable to assist and directed me to XXXX XXXX customer service line at XXXX. I was informed that they would research and it XXXX take up to XXXX business days and was provided a case # XXXX and they also suggested to work with XXXX XXXX. 

I then called my credit card company, Keybank, on XX/XX/2023 to file a credit card dispute for the {$200.00} to refund the charge. I was provided a KeyBank dispute number XXXX at this time. None of these actions have resulted in a refund to my account. Please advise as to further guidance and direction. I appreciate your assistance.
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

My Chase debit card account was closed directly without my notification or knowledge, and I still have about XXXX dollars in my debit and credit accounts. After I called and asked about it at that time, the customer service did not explain the reason to me, but just said that they would mail me a letter about the reason and send me a check for the money that was in the account after they finished their review. I was very confused and felt aggrieved that this was being done to me when I had done nothing, but I was willing to respect Chase and trust that I would be dealt with fairly. After a month of waiting for Chase to process my case, I still have not gotten any results or even my deposit returned to me. After calling several times to inquire and making inquiries at the branch, I still have not received an accurate answer, and it has even turned out that I may not be able to get back the money that belongs to me and that I deposited in my account for myself. First of all, I think this whole thing is outrageous and unfair. Chase locked my account and did not even return my deposit to me without any notice or reminder when I was just making normal deposits and withdrawals. Secondly, I have requested several times if the investigation can be expedited and if my normal deposit can be returned to me first, because I need to re-rent my apartment at the end of XXXX, and the money I have in my original Chase account is the money I use to rent my apartment, and I don't have any extra free money to use to pay the rent, and if Chase can't return my money before the end of XXXX, or even doesn't want to return it to me, I have no way to pay rent, which means no way to have a residence. Their behavior has very seriously impacted my life and has left me without even the most basic means of living. I don't want to believe that Chase would engage in this kind of robbery, but I have a clear conscience that I didn't do anything illegal with my money, so why should I be subjected to this kind of unwarranted suffering? I would like to believe that there is suspicion and vigilance on their side, but I believe that I have not done anything bad myself and that all my previous financial records prove my integrity, then I am not willing to suffer such suspicion or even take my own money for nothing to the point where it has now affected my basic life. Please at least give me a clear reply and return my own money to me instead of being vague and delaying it to the point where I can't even maintain my normal accommodation.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (TX)

I opened a Chase Slate XXXX credit card with a balance transfer offer of 0 % APR for 21 months, with a 3 % fee based on the amount transferred. When I asked to transfer a balance from an existing Chase Card ( the Chase XXXX XXXX XXXX XXXX car ), I was informed that the offer did not apply to other Chase credit cards. This limitation was not indicated anywhere on the offer or even on the card opening materials that I received. I believe this renders the offer materially false and misleading. Had I known the Chase Slate XXXX card would not help with my existing Chase card balances, I would have opened a different, non-Chase card. Although I could potentially open such a card now, I have incurred a hit to my credit score by opening the Chase Slate XXXX card based on their misleading offer. I also spent considerable valuable time filing out the card application. I ask that the company immediately honor the balance transfer offer for my existing Chase balances and that future promotional materials be amended to reflect any limitations on balance transfers from other Chase credit cards.
Consumer complaint received 2023-10-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC (MI)

DNF Associates, LLC, is debt collector, who filed a lawsuit against me on XX/XX/2023, I first found out about this lawsuit and Default Judgement on XX/XX/2023 after searching court records. DNF Associates, LLC has never communicated with me about this debt. I never received from DNF Associates LLC, who is a debt collector a validation notice, that is required by law, that would state the amount of the debt, that I could dispute the debt and who the original creditor was of this debt pursuant to 1692g of the FDCPA. I was never served with a complaint and summons, and have no idea what this matter is about. DNF Associates LLC obviously used false service, as this matter is not in the same district that I live.
Consumer complaint received 2023-10-13
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: Early Warning Services, LLC (AZ)

They are not upholding the FCRA ( Fair Credit reporting Act ) they are causing me stress and hardship! Using my information for profit without my consent! 
They are not following the guidelines and protocols. They are defaming my character. 
Needless to say they have violated me all over. I provided all the proper documentation to my case. I sent in cease and desist letters and everything!
Consumer complaint received 2023-10-13
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: CITIBANK, N.A. (FL)

I reported fraudulent charges on my Citi credit card account in the amount of {$2500.00} over multiple transactions. The CC opened a disputed and was supposed to remove the charges from my account. They did open a dispute and never removed the charges. They called and asked me about the charges, which I explained appeared shortly after I had made a purchase on XXXX. The billing on my card looked similar to the billing for the valid XXXX purchase but I did not make them and they do not appear in my XXXX transaction history. 
The dispute was closed stating I owed the money because I provided the merchant my card. I called on or about XX/XX/XXXX  after received the dispute closure letter ( dated XX/XX/XXXX  and postmarked XX/XX/XXXX  ) explaining that I did not authorize the additional charges and was told a new case would be reopened. I offered and sent my XXXX transaction history, the CSR I spoke with assured me that would drive rapid resolution of the problem. I have called twice in the last two weeks for status to find nothing has occurred. No new case has been opened and the charges have not been suspended. On the call today I was told I was responsible because I gave the merchant my card ( assuming they meant number ). I fail to understand how I can be responsible for someone fraudulently using my card number without my authorization whether or not I had provided it for a valid authorized purchase. If that were the case the entirety of the credit card, bank card and virtual payment systems that businesses in modern day socitey rely on would collapse.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX said that one use there pre- approval form to see if they will be approved for a loan or not before they apply for a loan. I did the application online and was pre-approved {$28000.00}. To make sure that this was correct I called in and spoke with an agent and re do the application over the phone. She once again told me that I was pre- approved for {$28000.00}. I even got an email from the agent stating that the funds would be deposited in my account within 1 to 4 days. I then checked my email and I saw an email from XXXX  stating that they were no longer going to give me the loan because they were unable to verify me. This sounds like rubbish to me. They pre- approved and then sent me a letter stating that they were not able to verify me so they cant give me the loan. I proceed with the hard pull on my credit report based on the fact that XXXX  's agent said that the I was pre- approved for the loan. There is now a hard inquiry on my TransUnion credit report from XXXX and I want it removed immediately as XXXX lied to me that I was approved for the loan and then cancel the loan application after the agent t said every thing was good. 
I never would have proceed with the loan application if the XXXX  agent never said that I was pre- approved for the loan. Kindly remove XXXX  hard inquiry from my credit report immediately.
Consumer complaint received 2023-10-13
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. (FL)

I want the inquiries removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NE)

I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (NJ)

Please see attached documentations for this ongoing dispute of over 3 months with XXXX XXXX, and Their Financial Representative XXXX XXXX. Their adverse actions have disrupted my membership, and could potentially prohibit my future use of the facilities, or face heafty increased fees.
Consumer complaint received 2019-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My interest rate increased from 16.15 % to 20.15 %, without any notification of this in advance. 

After calling in twice ( the first time the call was disconnected from the companies end ) I was told the 16 % interest rate was a proportional Offer, and no interest rate other than what was originally given upon account opening is permanent. This is an unfair practice, given that I first opened this account as a college student, with little credit history, so that interest rate would be higher than those at the same Credit level I currently have.
Consumer complaint received 2023-10-14
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (CA)

XX/XX/2018 I was involved in a rollover accident as the driver. The vehicle was registered to my husband and I had co-signed on this car loan. We both are seniors and XXXX persons. XXXX is a XXXX yr. old XXXX veteran ( husband ). There was loss of property and I was the only person involved hurt. The insurance company ( XXXX ) spoke with XXXX about this claim. He was informed that the vehicle was totaled and would be paid off. Even though Honda Finance was contacted XX/XX/18 by XXXX and provided payoff information ; we both have been reported late to credit agencies. There was never a late payment on this account before this accident. However, a Honda Financial supervisor later told me there was a legal obligation to report this vehicle payment as late. Despite admitting  knowledge that the insurance was paying the debt off, the severity of this accident and impeccable credit history. During this period I was involved with a mortgage lender and was informed by them of this late payment on my report. I have yet to receive anything from the lender ( Honda ) regarding reporting this matter. I did receive a letter dated XX/XX/18 stating the vehicle was paid off. The fair reporting should reflect our true history, not errors of insurance companies or misinformation provided by these company 's. It appears extremely subjective when my lender informs me, he has seen this type of payoff debt removed for other clients.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MA)

On XXXX XXXX XXXX I submitted a dispute ( XXXX ) with Experian credit bureau XXXX I stated the XXXX account that is on my report is beyond the 7 year-period. Legally an item on a record will stay on a report for up to 7 years after the first late payment report. After that is has to be removed according to the Fair Credit Reporting Act. When a collection company buys the account, the time frame does not start back up. My last payment on that account was XXXX XX/XX/XXXX. It has been beyond the 7 year-period. Experian did not remove the account from their bureau.