davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP (IA)

We had a Mortgage starting in XXXX with US Bank Home Mortgage. In XXXX we filed bankruptcy at that time we re-affirmed the Mortgage. In XXXX of XXXX we refinanced our Mortgage for a lower interest rate with our credit union. At that time we found out that US Bank had not reported our Mortgage to the credit bureau 's since the bankruptcy ( for 10 years ) I had a 3-way call with a XXXX  Agent and a agent with US Bank named XXXX in XX/XX/XXXX. During that call US Bank told XXXX   that we had payed every payment on time every month for the last 10 yrs and there we no late payments during that time. US Bank said I had to have asked them to start reporting to the Credit Bureau when the loan was reaffirmed and asked if I wanted that now. I said yes. Its still not reported. I have spent hours on the phone with person after person at US Bank and they always send me to another person and I get a different reason why they can not help me. They keep telling me to dispute with with the Credit Bureau. XXXX  said I can not file a complaint on something that is NOT on my report and that I need to get it resolved with US Bank. I want my husband and I 's Mortgage to show on our credit report even though it is now closed since we refinanced. I want it on our Credit Report like it is for all our other loans/credit credit cards that are closed saying we paid as agreed since XXXX. I am attaching the part of my Bankruptcy where I re-affirmed the Mortgage in my bankruptcy in XXXX. Also attaching the document from XXXX  saying they confirmed with USBank that we paid our mortgage on time for the last 99 months with no late payments. Also attaching the dispute outcome from XXXX, I could only file the dispute under the bankruptcy since my mortgage is not on my credit report. After getting the outcome I called XXXX  and that is when they told me I can NOT dispute something ( the mortgage ) that is not on my credit report.
Consumer complaint received 2018-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CO)

I have a medical collection on my credit report that should have been covered by my insurance, I should not have been hit with this debt. I have provided proof that I was covered under medical insurance during the time of this service. I want this account removed off of my credit report immediately.
Consumer complaint received 2020-06-29
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: EQUIFAX, INC. (CT)

The following inquiries have been on my report out of nowhere. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified Equifax of this and it is Equifax who should make these changes by removing the inquiries. 

XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX  XXXX  XXXX Sales Financing Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX XXXX All Banks Inquiry date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I was a long time customer of Bank of America but closed my accounts because of banker incompetence and deposit errors. I was charged a {$35.00} NSF fee for a check that was processed the same night I received a direct deposit of my paycheck. I also had {$100.00} stolen from me out of a joint account because that bank did not close the account when I told them to do so and they took NO action of any sort to help me resolve the matter. I am still not getting any help after all this time and these greedy sons  of  XXXX can expect to hear from my until I at LEAST get back the XXXX NSF fee that I was unjustly charged.
Consumer complaint received 2020-06-29
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. (AL)

I am contacting you again because I filed a complaint about Equifax on XX/XX/20 XXXX letting you know that Equifax continues to report fraud opened accounts on my credit report. The accounts for XXXX XXXX, Division of Child Support, XXXX, and XXXX XXXX. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. They responded saying that my information does not match their records but I have the same information that they just sent me a credit report to. I am asking again that these accounts be deleted from my credit report.
Consumer complaint received 2018-05-11
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. (CA)

1. REGISTER LETTER NUMBER ( S ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

( A ) SERVICED ON THE ENTITY : TRANS UNION ; XXXX XXXX XXXX XXXX XXXX  PA XXXX.

2. CERTIFICATE AND PROOF OF SERVICE ACCOUNT TRACKING NUMBER ( S ) XXXX ... XXXX   ...

( A ) ENCLOSURES : NOTICE OF RESCISSION ; AFFIDAVIT OF FORGERY ; LOAN DEBT VALIDATION REQUEST ; NOTICE TO CURE 3. REPORTING AGENCY HAS DEFAULTED ON ANSWERING THE VALIDATION DEMANDS AND THEREFORE MUST REMOVE THE MISTAKE FROM THE RECORD.

4. THIS ERROR IS AN INJURY AND TRESPASS ON THE HOLDERS CREDIT INTERESTS. WE REQUIRE A REMEDY.

5. ALL CLAIMS ARE REGISTERED, CERTIFIED, AND TENDERED TO ALL PARTIES INCLUDING FEDERAL AND STATE AND MUNICIPAL PUBLIC/COMMERCIAL EMPLOYEES -- - CORPORATE STATE OF CALIFORNIA.

4 ( A ) PLEASE SEE THE ATTACHED DOCUMENT : RETURN_RECEIPT. 6.
KNOW THAT ... THE ATTACHED CERTIFICATES AND PROOF OF SERVICE ARE EVIDENCE OF CLAIMS FILED.

7. NO PERSON/MAN/WOMAN HAS PROVEN THE LOAN AGREEMENT.

8. WE REQUIRE DISCHARGE AND DISPOSAL BECAUSE THE LOAN IN QUESTION IS CAUSING A FALSE AND INJURIOUS REPORT ON THE PERSON AND THE HOLDER 'S RIGHT IN INTERESTS.

9. UNDER PENALTY OF PERJURY ; WITHOUT PREJUDICE ; ELECTRONIC SIGNATURE BY HOLDER/OWNER OF NAME : XXXX XXXX XXXX, ALL RIGHTS RESERVED WITHOUT RECOURSE.

10. NOTICE U.S. CODE : TRUTH IN LENDING ACT -- 5.1635. Right of rescission as to certain transactions. ( a ) Disclosure of obligor 's right to rescind a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. ( b ) Return of money or property following rescission. When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

I received a credit score disclosure from XXXX XXXX The information on the disclosure that they claim to have received from the three credit reporting agencies is incorrect. Equifax XXXX XXXX XXXX   show erroneous information. I have included in this correspondence a copy of credit report from XXXX   that I obtain today.As you can see by the correspondence that I have included I have paid my bills on time every month without failure.And the credit score that this company shows is quite different than what XXXX  has on their report. XXXX XXXX and Equifax show no late or delinquent accounts or collectionAccounts which those companies shows on the reported information that was received from XXXX. The information is incorrect on all three and I want the false information removed and corrected please see the supporting documentation uploaded
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (TN)

In the week of XX/XX/XXXX, Synchrony Bank lied and said my PayPal MasterCard was compromised after they called me to identify purchases that I made as potential fraud. I verified with them over the phone that these purchases were not fraudulent and were authorized by me personally. Nonetheless, they canceled my card and sent me a new card and expressly told me I did not have an option to keep my old card. The new card they sent me would not automatically link to my PayPal account after it was activated by XX/XX/XXXX, which is the whole point of the card. I now cant access my account statements, see any purchases on my card, or use it to make payments through PayPal. I contacted both PayPal customer service and Synchrony Bank customer service numerous times between XX/XX/XXXX and XX/XX/XXXX and they blatantly lied to me. They each blamed the other company for why it would not link ( neither party took responsibility ). Furthermore, each time I called they would tell me to wait a longer period for it to link. First they told me it would take one day, the next day they told me to wait two days, and the third day they told me to wait three days for it to link automatically ( its been 6 days now and my account wont link ). I also purchased this card because it offers 2 % cashback, but since the card wont link to my PayaPal account I have no way to redeem my cashback rewards for purchases made prior to them issuing me a new card. This means that Synchrony Bank violated the terms of the credit card agreement which is banking fraud. I am not the only customer to experience this, so Synchrony Bank and PayPal need to be held accountable. Furthermore, the new card they gave me expires in XX/XX/XXXX, when my old card expired in XX/XX/XXXX, so they issued me a new PayPal credit card ( without my consent ) that wont link to PayPal and will have to be replaced in less than a year of use compared to 3 years from my old card.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : CXXXX XXXX XXXX
Consumer complaint received 2020-06-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

HI, I am oveer XXXX years old, I check my credit report for the very first time and I come to find my SOCIAL SECURITY Information has been used to do things that were not mine, i have completed an identity theft report please i ask you help me remove these things that are wrongfully reporting on my file .... this should be illegal to take advatange of ederly people. 
Please see attached. 

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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC (CA)

The account has been paid in full but is still showing as a collection on my report. The last time the credit report was updated was in XXXX it is now XXXX almost XXXX and has not been updated to reflect the paid in full status
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (FL)

I will start by saying I like Chase and the representatives have nice.I opened an account with Chase Bank on XX/XX/2018 after I saw.a advertisement online for {$200.00} bonus to open a checking and a {$150.00} bonus to a savings. This is granted if you meet the requirements of adding a {$25.00} deposit and getting direct deposit of {$500.00} or more within 60 days. I have met the requirements and called to check the status of my bonus and they stated a promo code does not show on my account. I explained to the rep that when you apply online it tells you that if you want to print the code and go into the branch enter your email address. If you want to apply online promotion automatically applied. I selected to apply online following the same links and now they wont honor the promotion. I have called the bank and talked to 3 managers and they stated I have to have a promo code even though online it says you dont need one. I attached a screenshot for them to review. The last resort is to go into the bank which is very hard because I work XXXX and sometimes on Saturday. I think chase should take care of me because I did everything asked and closed my other accounts for this offer.
Consumer complaint received 2018-05-11
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX AND THIS ACCOUNT WAS DISCHARGE UNDER MY CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX. THIS ACCOUNT IS NOT REPORTING CORRECTLY ON MY XXXX CREDIT REPORT AND I HAVE DISPUTED THIS WITH XXXX AND CAPITAL ONE AUTO FINANCE MANY TIMES. I AM NOT ASKING THEM TO REMOVE THE ACCOUNT SINCE IT PART OF MY BANKRUPTCY SINCE IT NOT DUE TO COME OFF MY CREDIT REPORT UNTIL XXXX OF XXXX. THIS ACCOUNT NEEDS TO BE UPDATE CORRECTLY ON MY CREDIT REPORT. FOR EXAMPLE THE PAYMENT HISTORY GUIDE ON THIS ACCOUNT IS ALSO PART OF MY XXXX  XXXX BANKRUPYCY AND IT NEEDS TO BE UPDATE AS PART OF MY DISCHARGE XXXX  XXXX BANKRUPCY. THE PAYMENT HISTORY ON THIS ACCOUNT SHOULD NOT BE SHOWING ON MY XXXX CREDIT REPORT. MY LATE PAYMENT AND MY CHARGE OFF ARE PART OF MY BANKRUPTCY WHICH IS INCLUDED IN MY BANKRUPTCY AND IT NEEDS TO BE UPDATED CORRECTLY. SECOND THE TERM 72 MONTH IS ALSO INCORRECTLY IT SHOULD BE SHOWING XXXX SINCE THIS ACCOUNT IS DISCHARGE AND THAT PART OFF MY CREDIT REPORT NEEDS TO BE UPDATED CORRECTLY. CAPITAL ONE AUTO FINANCE AND XXXX ARE NOT REPORTING THIS DISCHARGE ACCOUNT CORRECTLY ON MY XXXX CREDIT REPORT
Consumer complaint received 2020-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (MD)

Earnest refuses to allow me to enter auto pay to my detriment. They are unlawfully collecting $ XXXX in additional interest. 

Their privacy policy is not compliant with the CCPA. 

Their website is not XXXX compliant.
Consumer complaint received 2020-06-30
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: CITIBANK, N.A. (CA)

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 


I have been the victim of fraud since 2014 and have had to combat it ever since.

These accounts are the result of fraud, I have never opened these accounts or had any knowledge about these accounts till now. I have the police report and I have the Federal Theft Affidavit. This is getting out of hand. 

Under the FCRA 2009 ( b ) ( 3 ), these accounts are known to be fraudulent, are the result of fraud and I am now asking that you do your duty under federal law to cease and desist.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (CA)

My documents have my name misspelled. My name is XXXX ( one word ) NOT XXXX XXXX ( XXXX is not a middle name ) I was very specific with the mortgage company regarding the spelling of my name and was assured that it would be spelled correctly. I brought it to their attention numerous time and was assured each time that it would be correct for the filing. When I receiving the documents to sign in front of the Notary I again expressed concern regarding the spelling of my name. we called the loan agent and was assured that it was not a problem and would be corrected. I have received my documents from the new mortgage company as sell as the grant deed from the title company. My name is misspelled on everyone of the documents. consequently all the reporting etc. will be reported under the incorrect name. I contacted American Financial Network and have received NO response. I also specifically asked if they would hold the loan the full term of the loan I was assured that they would. The ink was hardly dry on the paper and I received notification that the loan has been sold to XXXX XXXX.
Consumer complaint received 2017-11-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC (GA)

XXXX at New Era Asset Management calls me with back to back calls while I am at work. He is aware I work in a XXXX XXXX for a XXXX XXXX XXXX XXXX. He continues to call and does so without leaving any gap. He also called the main call line and informed a coworker they needed to speak with me. That is strictly against the rules and is common knowledge that you can not take personal calls in a XXXX XXXX. I was approached by management for the infraction and advised I can not let it happen again. This is unacceptable behavior that needs to end. I have been forced to turn my phone to silent and lock it away so if I have an emergency I will not know until I have a break.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (TX)

I disputed the NATIONAL CREDIT ADJU XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX and XXXX XXXX XXXX, I received the certified mail stating they received my information and when I call they state they have not received it. I have requested validation of debt and have been denied these papers with anything showing that I signed for any loans with this company. I have attracted the letters I send to XXXX, XXXX AND XXXX and NATIONAL CREDIT ADJU
Consumer complaint received 2024-08-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (VA)

XXXX : over the phone communication and email demanding validation of debt by email or mail. Requested a lease agreement or contract with a signature. 

XX/XX/year> : I received an email from [ XXXX XXXX XXXX ] with attachment. The third party creditor sent me a move out bill that could be made anywhere. Insufficient document XX/XX/year> : I filed a dispute through XXXX and XXXX documents attached requesting that the account is removed. 

XX/XX/year> : The account came back verified with no original contract or proof of debt. 15 U.S. Code 1692g - Validation of debts