davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
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: SYNCHRONY FINANCIAL (TX)

I applied for a credit card with my social security card on 06/16/2020. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The card that was used was my social security card. It was reported to the credit bureaus as well.
Consumer complaint received 2024-09-02
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: EQUIFAX, INC. (GA)

I checked my report and noticed these fraud inquiries I would like these REMOVED PLEASE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-06-29
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. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX XXXX ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

On 05/29/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (FL)

I have a loan with ACIMA CREDIT FKA XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called ACIMA CREDIT FKA XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX and ACIMA CREDIT FKA XXXX with no successful resolution.XXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (GA)

Called XXXX XXXX about payoff of house loan around XX/XX/XXXX to XX/XX/XXXX, told them wanted to payoff loan. Talked to a man said it would be {$33000.00}. I asked if I needed to send a letter to confirm, He said no just send the money wire transfer by XX/XX/XXXX. I asked them to send me email. never got an email. 

I sent {$33000.00} on XXXX XXXX.called on XX/XX/XXXX to see if they received money as didnt show up on loan care web site. man told me it could take 4 or 5 days to get in the computer. 
I called on XX/XX/XXXX they said they tried to call me because I owed an additional {$140.00} of interest .I said what for they tried to tell me because I didnt pay it on XX/XX/XXXX .told me would have to send it by wire imediatly or would incur further charges. Then XXXX came back on phone and said it was going to be {$170.00}. ok I sent {$170.00} on XX/XX/08. So I am not happy as they either misinformed me, or lied to me. 

I got the paper work showing loan payed off .But now I cant get thru as they consider me as paid up so wont let me talk to any one I guess I think I should be reimbursed fpr XXXX plus {$30.00} wire transfer fee.

Automated phones wont let you talk to any one unless you want to make a payment.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CREDIT ACCEPTANCE CORPORATION (VA)

XXXX XXXX XXXX, has unlawful obtain my credit report for financial services with Credit Acceptance and  XXXX XXXX XXXX XXXX after I was pre approval by XXXX XXXX XXXX. 

The owner refuse financial services from my bank after pre approval to only provide financial services with Credit Acceptance and XXXX XXXX XXXX XXXX after my bank approved me for financial services for an car. 

The owner is refusing XXXX  XXXX consumers financial services and is only using the pre approval letter from XXXX  XXXX to financial with Credit Acceptance which is control by XXXX XXXX XXXX XXXX. 

I didn't ask for financial services but was pre approval with XXXX  XXXX which is my Bank. 

XXXX XXXX XXXX call my phone stating they were XXXX XXXX XXXX and I was approved for XXXX
Consumer complaint received 2021-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (NY)

Last year my email account was hacked. When i changed the password and regained control, i began recieving bills in the amount of {$160.00} from XXXX about a power XXXX ticket. I contacted XXXX XXXX and spoke to their management to inform them that the ticket doesn't belong to me, my email was hacked, and none of the information on the profile is mine. XXXX XXXX management assured me that it would be dismissed. Now some time after, True Accord is harrassing me for the same {$160.00} that i don't owe, i sent a debt verification letter and they sent me a document with the wrong name, wrong address, only proper email ; Not to mention they responded later than 30 days which would cause the debt would be deemed void ; attempting to collect a debt that isn't mine with the wrong information. I'd like the company to stop harrassing/threatening me and my credit, dismiss that fee as management said because they understood it had nothing to do with me on my part. True Accord doesnt have any documentation with my signature connecting me to any agreement from the original creditor.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

I have 2 legitimate accounts with Synchrony Bank ( an Amazon Prime card and a CareCredit card ). Today, I received 3 emails from Synchrony, one regarding " status of your recent application '' ( I havent applied for a new account ) and and 2 others regarding verification of checking accounts via trial deposits ( I did not attach a new checking or trigger a verification ). Suspecting fraud, I immediately placed fraud alerts with all 3 bureaus and called Synchrony to find out what the application is and have it cancelled. After speaking to a rep, I was told this was regarding an Amazon XXXX XXXX account ( I didnt apply for one ) but that the rep could not review the application or stop it. She transferred me to the department that was supposed to be able to, but it was just an automated system with no way to speak to a person or resolve the issue.
Consumer complaint received 2021-06-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/, 2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-06-29
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: DISCOVER BANK (TX)

On XXXX XXXX, 2021 Discover Financial submitted a hard inquiry and pulled my credit without authorization. I spoke to Discover Financial and they removed this hard inquiry off my XXXX and XXXX and they refused to remove it off of my XXXX credit report. I filed a police report to investigate this fraudulent activity back in XXXX. Discover Financial did not have my permission to pull my credit.
Consumer complaint received 2021-06-28
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: Navient Solutions, LLC. (FL)

I contacted the DOE Ombudsman 's Office in XX/XX/XXXX to file a complaint that Navient was trying to collect on a loan that should have been sent over to the XXXX in XXXX and refuses to do so. I have spoken with several reps and management going back to XXXX and been jerked around, as to why the loan was not sent over to XXXX XXXX XXXX. 

After the initial contact of the Ombudsman 's Office, I was told that Navient advised the office that I do not have any federal loans with Navient, and the case was closed. Due to my insistence, the case was reopened and escalated to a manager at the Ombudsman 's Office. With a little further investigation, the manager realized that some nefarious was taking place but was able to contact management at Navient to have the case expedited. 

After the investigation was completed, DOE Ombudsman 's Office had discovered the same thing that I reported and that is, Navient has been lying since XXXX about the status of the loan and why they were unable to send it to XXXX. According to the DOE, the loan had lost its insurance and as such, can not be consolidated or transferred to XXXX. 

My issue is, Navient has listed the loan as late, in default, and to further complicate things they are asking me to make payments of {$830.00} but I am unable to pay that amount. Navient stated that the loan was disbursed in two increments that totaled {$27000.00} and now they have stated on XX/XX/XXXX, that the interest rate on your loan has been a fixed 8.5 % since disbursement. Additionally, Navient stated at the beginning the loan accrued interest at {$6.00} daily, they stated that now that the loan is at a principal of {$66000.00} with {$270.00} in the interest the daily amount had increased to {$15.00} daily. 

Please help resolve this issue soonest.
Consumer complaint received 2019-11-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (NY)

I first tried to contact company and was told to contact other phone numbers, left voicemails and was never contacted back. Im trying to settle this debt because it is affecting my credit, however, i dont seem to get in contact with the person or company that can help me move forward
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (UT)

I have been disputing the information reported to credit reporting agencies regarding a late payment back in XXXX. 

My payment was not 30 days late. 

I made my payment on time, what happened was gap and mixup during the transfer of loan servicing from XXXX to Loancare. 

I made my payment on time to XXXX, however, unaware that my loan servicer had changed over from XXXX to Loancare the money went from XXXX to Loancare and sat in a holding account because the XXXX loan number did not match the new Loancare. 

When I received the delinquency notification via USPS mail service, I immediate contacted Loancare and discovered my payment funds for XXXX and XXXX had been received but had not been applied to my new Loancare mortage account. 

The mix-up was corrected with funds applied and my account brought to good standing. However, what was not corrected was the information reported to the credit agencies that shows my loan payment was not 30 days late. 

This information reported is not correct and inaccurate. 

I've made 3 attempts to dispute this inaccurate reporting through XXXX and each time no success. 

Now I'm reaching out directly to seek out the correction of this information. 

I'm asking the information reported to credit agencies be updated to accurately reflect those funds were received, and not applied to my new LoanCare account. 

I also am very confused as to how LoanCare is reporting on-time payments going back as far as XXXX when I never made payments to Loancare during the reporting periods.
Consumer complaint received 2021-06-27
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: EQUIFAX, INC. (TX)

I have been disputing this since XX/XX/2021 and XX/XX/2021 is the last letter I wrote and I still have not received any letters back from any of the bureaus. It has been well over 60 days with nothing. So they need to remove from my credit file per the FCRA Attached is the last letters from XX/XX/2021 XXXX
Consumer complaint received 2019-11-25
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. (NJ)

**This issue needs to be expedited due to the faulty work of an Equifax employee** This issue was originally disputed with Equifax under confirmation number XXXX and the subject account XXXX XXXX XXXX was updated to reflect XXXX  balance and paid in full on XX/XX/2019. 

On, XX/XX/2019, Equifax initiates confirmation number XXXX with the same above account information and changes it to a balance of {$1000.00} and a collection account. 

The balance is XXXX, it NEVER was a collection account. Both XXXX  and XXXX   processed the dispute properly as a paid in full account with a XXXX  balance. 

Of course, as expected Equifax did not process this properly.
Consumer complaint received 2019-11-25
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

The investigation for hard inquiry from XXXX ( XX/XX/2018 ) has been completed by Equifax without verifying the record with XXXX XXXX. XXXX XXXX has already reported the hard inquiry dated XX/XX/2018, as a fraudulent inquiry, however, Equifax infringes Fair credit reporting act by not removing/masking the hard inquiry by executing a scam of fake investigation.
Consumer complaint received 2021-06-26
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: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I submitted a letter to CITI regarding the following disputed charges : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX, XXXX  XXXX XXXX  XXXX {$260.00} XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX {$220.00} The above-mentioned charges on my XXXX statement represent disputed charges. These charges are far past the allowed timelines to charge back to my card, which represents a clear violation of the MasterCard cardmember agreement on which these charges were initially made. Shortly after, my account underwent a feature change and was converted to the Costco Visa card. However, these charges fall under the Citi XXXX XXXX MasterCard limitations. 
Recharging me for these disputed transactions 6 months later also represents a clear violation of Regulation Z and the XXXX. As such, it can also be considered a violation of DTPA for its deceptive violation of the CardMember Agreement, Federal Statutes, and the MasterCard Billing Dispute Practices Regulations. 
I requested CITI comply with current consumer protection laws and allowable timeframes, as well as provide the required documentation. 
To date, I have not received a response regarding any of these charges listed.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

My mortgage was showing that I had a late payment in XXXX when I did not so I disputed the information with XXXX XXXX has now updated the information removing the erroneous late payment but now they are showing the account as discharged in chapter XXXX bankruptcy. My mortgage account was never discharged in my chapter XXXX bankruptcy which was filed 9 years ago, the mortgage was reaffirmed and I am still in my house making timely mortgage payments every month. The mortgage servicer is Loancare.
Consumer complaint received 2021-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

I XXXX XXXX entered into a consumer credit transaction with the U.S. Department of Education on or about XX/XX/2015, and not with Great Lakes who is an uninterested third party. This consumer credit transaction included a finance charge, pursuant to 15 USC 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. Pursuant to 15 USC 6802 U.S. Department of Education never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681. I do not owe this debt, I am a consumer who is not obligated to pay this pursuant to 15 USC 1692a ( 4 ) and 15 USC 1692a ( 5 ). The U.S. Department of Education & Great Lakes are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (TN)

On XX/XX/XXXX i was notified by bluebird that there was an ATM withdrawal in the amount of XXXX in Florida. I filed the dispute and showed proof that was at work in TN when this happened and my claim was still denied I called back and was told to provide a police report which i did and my vlaim was denied. I sent an email per American Express as the card is through them and never received a response back. When i called today because my claim was denied again they XXXX with badge number XXXX advised me to contact the ATM or nank but could not give me the name of the bank or a number to contact. I believ my card was clonned while using it at the mall. I am not aure what else to do. He was able to give me an address of XXXX XXXX XXXX XXXX in XXXX Florida.
Consumer complaint received 2019-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (IL)

Dear CFPB : Previous complaint : XXXX XXXX XXXX is lying to CFPB. This IS NOT RESOLVED and I'm wondering if CFPB is in bed with XXXX XXXX? 


CFPB closed this complaint and XXXX XXXX has not done what they promised. In fact, I just learned that they again submitted the fraudulent account they created to collections. As stated in complaint XXXX, Macy 's tricked me into opening a second XXXX XXXX account. I had a XXXX XXXX account for many, many years. They pretended to need to update information so that I could get a coupon for immediate use at the checkout desk. What they really did was open a second XXXX XXXX account. They then sent this secondary account to collection which DECIMATED MY ALMOST PERFECT CREDIT RATING. After promising to remove the incorrect information from the credit bureaus, they have now AGAIN SUBMITTED TO COLLECTIONS THIS SECONDARY ACCOUNT THEY FRAUDULENTLY OPENED. These people are criminals.
Consumer complaint received 2019-04-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (IN)

I had an IRA account with Ally Bank. I wanted to transfer that money to XXXX XXXX for a better interest rate. I submitted transfer paperwork in XXXX of XXXX. Ally Bank kept responding that the paperwork had not been properly signed by XXXX XXXX. This went on until XXXX of XXXX when Ally FINALLY ADMITTED THAT THEY WERE WRONG. The paperwork had been properly submitted and signed by all parties. 

This delay cost me roughly 5 months in lost interest. I placed dozens of phone calls to Ally and XXXX trying to get this resolved. Once Ally admitted their fault they told me there was NOTHING they could do about my lost earnings. 

I continued with my calls and demanded that they compensate me, they again said nothing could be done and I received a letter that said they are not in the practice of offering compensation to their customers!!! 

Their mistake and delay cost me $ $!!!