davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
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 (TX)

I purchased 4 bar stools on XXXX XXXX, XXXX for a Total of {$420.00} on order # XXXX. I never received these bar stools for this order. I have called and emailed the company as well as XXXX to try and locate my order. The first call and email was on XXXX XXXX, XXXX, then again on XXXX XXXX, XXXX. I received an email from the company on XX/XX/XXXX asking how many stools did I receive. I responded back by stating I didnt receive any bar stools and requested a refund. On XX/XX/XXXX, I received an email from a XXXX from RTG stating that XXXX had located the package and it will be delivered. I emailed back asking when they will be delivered. I called XXXX and they couldnt provide me a status. I emailed XXXX again on XX/XX/XXXX stating I have not received anything as of yet. I even called and left a message on XXXX XXXX. I have not received a call or email back. I have been trying to request a refund, since I never received my order, but it has not been successful. I keep getting told that I have to return the product in order to be refunded. Well, I dont have anything to return, since I never received it.
Consumer complaint received 2021-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

I send several letters to this debtor and they refused to remove the negative mark from credit report and refuse to properly validate that the debt is owe to this agency. The statue of limitation in the state of Florida is 5 years for debt collection they failed to identify themselves with license to collect in the state of Florida and they refuse to provide proof of signature and ownership of the debt. They violated the XXXXederal Credit Right Commisions Act prohibitions.
Consumer complaint received 2021-02-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In XX/XX/2020 I contacted BofA to report unfamiliar charges on my credit card for the total sum of {$500.00} dollars all from a company called XXXX  and all in consumable takeout food. I am XXXX years old and have been a client of BoA for 11 years and never have I charged {$500.00} dollars in takeout food or any food services. I reported the FRAUD to BoA right away and charges were initially reviewed. BofA Fraud claimed that the charges were valid only because XXXX dispensed the food to someone ( not me ), They did not investigate where the deliveries were made to or signatures or anything else. The investigation was poor at best. Never was I called texted, emailed, or letter received to reflect the decision. I called BoA and foud. out that way. Reopened the second complaint of XXXX  and to this date have never had I received a phone call from BofA to express their decision of accusing me of committing this fraud. I was devasted, and it was affecting my credit. In an effort to save y credit I have been paying minimum amounts just to save my credit. BoA is at fault for not removing these charges and leaving my account at its maximum credit limit of XXXX when I never charged those charges and after 11 years they rather believe and side with the merchant than with me as the victim.
Consumer complaint received 2021-02-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am a XXXX employee and have been furloughed many of times in which I notified XXXX and was giving a plan to put payments on the back end of my loan and pay them. However, the payments have been and are reflecting 30 and 60 days late which is incorrect. I have since then not missed a payment and have paid off the loan in its entirety.
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (WI)

I refinanced and paid off my Amerihome mortgage Loan Account # XXXX, and the pay funding took place on XX/XX/XXXX. I was told that the escrow surplus would be dispersed 15 days after payoff XX/XX/XXXX. And that it could take up to 10 days mailing - arriving by XX/XX/XXXX. Upon my third call to Amerihome I was told that I would receive the check by XX/XX/XXXX. The check has not yet arrived, So I call again and am told that the check was sent on XXXXand that I must wait 30 days, until XX/XX/XXXX. At that point they would stop payment and reissue a check that could take up to another 15 days to mail. Between the message the person that answered the phone keep repeating and being placed on hold I was on the phone for 1 hour and 35 minutes. I asked over and over to speak with a supervisor and told by XXXX that this had to be approved! At about 1 hour and 45 minutes, I was told said she would finally transfer me to a supervisor and in fact transfer me back to the opening phone que, after listening to all the recorded options again, I hung up. I feel like I am being scammed out of my escrow money. it is only {$200.00}, but during this pandemic - everything counts. 

This is NOT how a reasonable financial transfer should work and this is NOT how people should be treated. 

I wonder how many other checks they are holding out on. Or how many people have just given up. 49 day sis to long of a wait. Makes one wondering of the financial stability of the mortgage company.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-10
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: Experian Information Solutions Inc. (CA)

This is for my XXXX XXXX credit card. Account number, XXXX ... The amount owed on XX/XX/2020 was {$3800.00}. This was when the Covid virus struck America and my company shut down, I was also diagnosed with Covid in XX/XX/2020. As soon as my company paid me and I was virus free I paid off the entirety of the amount that was owed. I have asked XXXX XXXX  to look into the details of this and they have refused, I have offered to pay a fee to have it removed, they also did not accept that. This has affected me in many ways when trying to apply for a loan and a mortgage. I have paid every credit bill on time since that date and before that date. I am asking for a little relief due to the COVID virus striking down my work and myself. I did my best to pay the bill asap, am asking for some goodwill as I have and will continue to be an on-time paying customer. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-02-10
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: JPMORGAN CHASE & CO. (CA)

This is for my Chase JPMBC credit card. Account number, XXXX ... The amount owed on XX/XX/2020 was {$3800.00}. This was when the XXXX XXXX struck America and my company shut down, I was also XXXX with XXXX in XX/XX/2020. As soon as my company paid me and I was virus free I paid off the entirety of the amount that was owed. I have asked Chase Bank to look into the details of this and they have refused, I have offered to pay a fee to have it removed, they also did not accept that. This has affected me in many ways when trying to apply for a loan and a mortgage. I have paid every credit bill on time since that date and before that date. I am asking for a little relief due to the XX/XX/XXXX striking down my work and myself. I did my best to pay the bill asap, am asking for some goodwill as I have and will continue to be an on-time paying customer. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I started receiving pre-recorded threatening phone calls from area code XXXX. I finally called back the number XXXX and was connected to XXXX. He stated he was with XXXX XXXX XXXX and accused me of fraud concerning a checking account with Fifth Third bank ending in XXXX. He had my social security number and claimed Fifth Third was sending notices to my old address in XXXX XXXX, Ohio and I never responded. I haven't lived there for approximately eight years. He claimed they did a background check to find out where I currently live. I have no idea what this person is talking about. Why would Fifth Third give my social security number to another organization without contacting me first? They have my phone number. What fraud am I committing with a closed checking account? I can not find any XXXX XXXX XXXX company or the phone number does not come up in a search. I think this is fraud.
Consumer complaint received 2021-02-09
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. (MD)

I filed a complaint in XXXX CFPB # XXXX for XXXX XXXX trying to collect a debt that does not belong to me. They responded to the complaint that they would remove from my credit report but it is still being reported.
Consumer complaint received 2021-02-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (TX)

I am a XXXX employee and have been furloughed many of times in which I notified Bridgecrest and was giving a plan to put payments on the back end of my loan and pay them. However, the payments have been and are reflecting 30 and 60 days late which is incorrect. I have since then not missed a payment and have paid off the loan in its entirety.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (SC)

On XX/XX/2023, I submitted a request to update the balance to reflect that the account balance was paid in full. 
On XX/XX/2023, Equifax reported that they had confirmed with XXXX that the balance was {$72000.00} and that was the last reported amount from XXXX. 
It is highly unlikely that Equifax had an update as my credit report is missing XXXX or more of the last payments. Likewise, I suspect that they were unable to get an update from XXXX, therefore they faked an answer so that they could close out the complaint at my expense. 
Equifax Confirmation # XXXX On XX/XX/2023 I complained to my state agency and they referred my complaint to Equifax. Equifax opened another inquiry but failed to alert me. Likewise, it appears that they once again failed to reach out to XXXX to update my file. 
This is again highly suspect as XXXX XXXX was able to confirm the erroneous information in less than XXXX weeks when I reached out to them in XXXX. 
Furthermore, I was easily able to confirm that XXXX has proper record that this loan was paid off and properly settled months ago, through multiple channels. 
It was as simple as making a phone call, sending an email and pulling up the online account. 

Equifax clearly has disdain for the consumer and by failing to act prudently and subsequently dragging this out, they are significantly hampering my ability to access the credit I need to secure my lively hood. 

Please investigate the practices of deception by this company and help me get my credit report repaired and properly updated.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: JPMORGAN CHASE & CO. (NH)

On XX/XX/2020 I purchased some XXXX printer filament on XXXX via my Chase Credit card through XXXX. On XX/XX/2020 Chase charged me a XXXX dollar cash advance fee. My purchase did not involve any cash advance. I was simply buying a product. At no point during the transaction were any financial services or fees mentioned. XXXX explicitly states that no cash advance fees will be assessed for this kind of purchase on their website, as described in the following link : XXXX XXXX XXXX Upon reviewing my bills for last year I noticed this fee, and have twice called Chase in an attempt to resolve this issue. They refused to remove the fee during both instances. I have read several online forum threads discussing this exact topic ; Chase or other banks charging a cash advance fee when an item was bought with one of their cards on XXXX through XXXX. Many posters in those threads stated that Chase DID refund the fee. I am disgusted about being charged for something that did not happen, and I am even more disgusted that I did not get equal treatment as other Chase customers. Below are a few links to online discussions about this matter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-05
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. (TN)

i went online and call all three major credit bureaus XXXX Equifax, XXXX XXXX XXXX XXXX about multiple inquiries on my account that i did not authorize. They refuse to look into or remove these inquiries alot of these were made i believe when i purchased a new car and did not give authorization to pull my credit multiple times. Also XXXX refuses to remove an account that is in litigation due to fraudulent charges and damage to personal property with XXXX XXXX systems.
Consumer complaint received 2018-06-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC (MS)

They have been contacting me and relatives and my relatives told them to stop all calls and they still call. I made two payments and lost my job tried to make arrangements with them and they were not trying to work with me. The car was damaged in an accident and the tow truck company refused to give the car back because the person that hit the car did not have insurance and I was unable to get the car out
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

I previously submitted a complaint. On XX/XX/year> Experian dropped my credit by XXXX points. It was raised XXXX points after XXXX report was submitted. Today it dropped XXXX points again. Again, Nothing on my credit report changed except I paid XXXX XXXX down on my only loan ( should have raised my score ). I called and they couldnt tell me. I wrote and asked them why and they sent me an email telling me my case was resolved, yet there has been no change in my report and no answer to my question. None of the other agencies made that drop. Just Experian. All other agencies are more than XXXX points higher. They were all nearly the same until XX/XX/year> when it drastically dropped with no major activity on my credit. I have an application in for an XXXX XXXX XXXX currently. If that is denied because they are drastically dropping my credit score, I will talk to my attorney.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (IL)

On XX/XX/XXXX I was notified by XXXX, my credit monitoring company, that my score had dropped over 100 points due to a delinquent payment. 

Upon looking into my history, the delinquent payment listed was my mortgage for Home Point Financial. It stated that the XX/XX/XXXX payment was over 30 days overdue and had been reported to XXXX. 

I have been trying to contact Home Point Financial since Saturday, XX/XX/XXXX, but they have taken down their customer service lines. I have messaged them on XXXX and not received an answer. I have also emailed them and received no answer. 

They have indicated that there is a problem with reporting and many people were affected. Some people, however, were contacted by email or phone. We received no such contact and can still not reach Home Point Financial. 

This is an egregious breach of trust in a mortgage company sending out damning reports on borrowers financial standing. If we were to not pay our mortgage, we would have to respond to debt collectors and eventually end up in court. Why are these companies not paying any penalty at all for their horrible mistakes?
Consumer complaint received 2018-06-05
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: SYNCHRONY FINANCIAL (TX)

XXXX has failed to properly investigate/delete an account showing negatively on my credit report. I have sent letters dated all the way back to XX/XX/2017 asking for a lawful investigation of the Synchrony Bank account showing on my report. Synchrony Bank has admitted to me via letter that they do not possess an application with my signature that would validate a debt. I have forwarded this letter to XXXX. Also, XXXX ( an organization that mirrors XXXX in account investigation processes ) has deleted this same account from my credit report due to inability to validate it in compliance with the FCRA. XXXX & Synchrony have both maintained to ignore their violation of federal law and fail in deleting this account which violates the FCRA.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (TN)

XX/XX/XXXX, XXXX and XXXX. I contacted XXXX XXXX because my credit limit was lowered without prior notification for ( 3 ) cards I have with them. XXXX , XXXX, and XXXX XXXX. I reached out to them because when I logged in online my available credit was {$0.00}. After contacting them I was informed that a letter was sent to me on XX/XX/2018 which was ( 2 ) days before I noticed this issue. A letter that I still have yet to receive. The ethical thing to do would have been to notify me first advising that on my next statement that my credit limit would decrease. This would at least have allowed me the opportunity to make a payment that would provide me with an available credit balance.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In XX/XX/2017, when I bought a home and moved from XXXX apartment before a week to expire the lease but paid fully, I and my family cleaned the apartment very nicely. She had to return the security deposit of {$890.00}, all or some. Instead, she sent me a bill of {$2000.00} and she said that she has paid that to clean my apartment and that {$1100.00} is left over after deducting the security deposit of {$890.00} as per her. We had left the apartment in clean conditions and she did not spend any money to further clean. I asked her to show me the formal proof of payment or proof of expenditure to clean the apartment, she was not able to show any evidence of payment made to clean the apartment. And there was nothing mention in the lease about the post clean of apartment if it was made too. She was simply taking advantage of simplicity of me and my family to make us pay. I told her, " Regardless of nothing mention in the lease about the post clean of apartment, I will pay if you have a proof of payment made to clean the apartment ''. She had no any bill or any thing. Here she is not honest. She is simply trying to make me pay.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

A recently run credit check ( XX/XX/18 ) revealed that there was an open credit card through XXXX XXXX/XXXX XXXX XXXXXXXX. I've contacted by XXXX XXXX XXXXr, as well as syncrony bank  today ( XX/XX/18 ), and neither have any records indicating that there is an open account under my name/SS #. They both suggested that I report this to the credit bureau. 
Please assist and advise. 
Thanks
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

In XX/XX/2017 thru XX/XX/2017 XXXX reported on my credit report delinquencies. I was XXXX  due to a flooding at my place. I informed XXXX prior what took place and they informed me I would be put on an deferment. Instead they reported me as delinquent. I called XXXX to report the inaccurate information on my report. The company ignored my request and referred me to another company XXXX. Misleading me in the wrong direction. Constantly transferring me to different members only to say go online and dispute the matter. I went online and the document isnt on their website. I called them back and reported my findings and they informed it was there. I went through every step necessary only to start back at the beginning. This has affected me majorly where I cant help my XXXX mother nor myself. The company has reported inaccurate results on my report and its not fair nor right to do consumers that way. I need help correcting the matter. I dont know what else to do.