davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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. (NC)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX CARD XXXX Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX {$670.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ;
Consumer complaint received 2024-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (CA)

Upon checking my recent credit report, I discovered a significant drop in my credit score, which led me to investigate further. I found an account on XX/XX/XXXX, listed as closed from Amazon/Synchrony Bank that was added without my knowledge or consent. I have never applied for or conducted any business with Amazon or Synchrony Bank, making this a fraudulent account. This account was opened XX/XX/year> and closed XX/XX/year> due to fraudulent activity by the company.
Consumer complaint received 2019-01-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

My FHA mortgage loan is currently serviced by Chase Bank. They have set a foreclosure sale date of XX/XX/XXXX on my property. Chase Bank claims that the total amount past due is {$37000.00}. The alleged claim is for 36 payments. Chase Bank issued a trial loan modification offer in XX/XX/XXXX, setting then monthly payments at {$1200.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( exhibit A ). Chase Bank has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Chase Bank refused to the process the initial {$1200.00} payment as well without explanation. Chase Bank is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the XXXX XXXXXX/XX/XXXX of XX/XX/XXXX. 

Chase Bank has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter. You can reach me at XXXX or XXXX.
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc. (AZ)

I submitted a prior complaint, # XXXX and the response from the debt collector is not correct. I added more information yet you closed the complaint. I want you to follow up with them again with the following : Ask them only for this, a copy of their current contract with the original creditor. That is all I want you to do.
Consumer complaint received 2019-06-18
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Forster & Garbus LLP (DC)

I willingly agreed for this company, Forster and Garbus, to settle my old college debt with me. And was assigned to XXXX XXXX. From the first day assigned, Mr. XXXX used a repeated loud and aggressive tone to deal with my case to which I would always feel uncomfortable. He would then repeatedly lie and say that I never made arrangements for things I openly asked for on a recorded line. And then, after several weeks of me calling this company to settle a debt and have someone else pick up the case. His assigned supervisor, XXXX XXXX. Never returned my calls. 

Today, I spoke to Mr. XXXX for the last time after realizing that my agreed automated payment was not taken out on the assigned date. He then proceeded to tell me that he has no agreement on file and that I never provided the company with any information, after this company retrieved money from my account for the past 2 months. This is robbery and abuse and now I have not been able to reach anyone decent from this unethical office to try and get this debt behind me. I no longer wish to deal with this company and would like to file this complaint so that nobody else experiences this abuse from them.
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc. (GA)

I have been contacting Medical Data Systems for about 2 months and disputing this medical debt from my credit report. I spoke to several representatives and I told them that I did not owe the debt because I had health insurance coverage, and according to their records, I was listed as self pay in their system. I contacted my insurance carrier received an email from them stating that I had coverage, then I took the letter to the XXXX spoke to a supervisor and they provided me with an itemized bill showing that I have a XXXX balance, and stated that it was their fault that they did not submit the information to my insurance carrier, and that my insurance information was in their system. I then contacted Medical Data Systems to provide them with the information. However, they already had all of the information in their system and shows that I have a XXXX   balance. So! I asked the manager if this will be deleted from my credit report because I did not and do not owe the debt. The supervisor mentioned that it will not be deleted that they are just going to update the information but it will remain on my credit report. This debt was never suppose to be on my credit report in the first place as they are continuously reporting incorrect information.
Consumer complaint received 2022-02-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I was former member of a XXXX XXXX branch. The gym closed during covid and I never received notice. The owner of the gym created XXXX XXXX gym at a different location. I never received a written notice of the location change. 

My account was month to month. I never signed a contract. I requested the gym and XXXX XXXX XXXX to provide evidence of rhe {$180.00} debt but they both have failed to provide me anything. I also requsted copies of correspondence notifying me of XXXX closure and new gym location. Again, XXXX XXXX and XXXX XXXX XXXX can not provide me any documentation. 

Today, I spoke to a representative at XXXX XXXX XXXX. I requested a billing summary and a copy of correspondence showing where I was notified. The gym rep said she would email a statement but never did. She does not have records of any notifications. 

XXXX XXXX XXXX request that I prove this is not my debt. They are the debt collector. They are required to provide me documentation. Instead they placed the collection on all 3 credit bureaus.
Consumer complaint received 2019-01-28
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. (AZ)

In both XX/XX/2018 and XX/XX/2018 a late payment was reported. It was an exceptionally busy time but the payment for this month was submitted a few days before the 30-day exception. ( See attached documentation ). As a small business owner, it is imperative that I maintain a flawless credit history as it could jeopardize my livelihood and more importantly the livelihood of my employees should I not be able to gain necessary funding for my business when the time arises due to a late payment destroying my credit rating. I fully respect the obligations I made to XXXX XXXX as with all the creditors who extend me financing opportunities and I have worked my entire adult life maintaining a great relationship with my creditors and I intend to maintain a great relationship with XXXX XXXX as I am in the market for a new car. A brief look at my account will reveal I have successfully made every payment up to and beyond the reported XXXX and XXXX timeframe which I can prove is in error ( See attached highlighted documents ). 
I understand that the monthly billing cycle is a 30 day billing cycle as described in/by the federal Fair Credit Reporting Act ( FCRA ) my loan is financed on such a cycle that runs from the XX/XX/XXXX to the XX/XX/XXXX of each month, with that being said my payments were made within the limit of the following due date before the XX/XX/XXXX of  the each of the reported late months as shown in the attached statements. Under the XXXX, a creditor must credit all payments to my account on the date they're received, unless no extra charges would result if they failed to do so. I understand that XXXX XXXX is permitted to set reasonable rules for making and reporting payments, like your rule that the deadline for payment should be received to be credited on the same date no later than XXXX XXXX on the due date. My payments were made on the day before and before the XXXX window. 
Again, the reported late in XXXX and XXXX payment are negatively affecting my chances of obtaining much needed lines of credit and business banking opportunities that are vital to the success of me as an individual and my company. As you know, my personal FICO score is used in the decision-making process of all business bankings go/ no go decisions to fund and my FICO score has drop over 45 points due to the late payment reported in XXXX and XXXX which pushes me out to tolerated range of lender preference. 
I am requesting that you please the reporting error and restore my credit rating by revising the late payment as reported on my three major credit bureau files ( XXXX, XXXX, and Equifax ). I sincerely hope XXXX XXXX XXXX believes in their customers and I humbly request the correction be made. I have reestablished automatic payments so there is no doubt in payment dates. I appreciate your time and look forward to receiving a favorable decision from your department soon.
Consumer complaint received 2019-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY (DC)

Hello : I opened a TD Cash Credit ( Platinum ) Card with TD Bank in approximately XX/XX/2018. The card was advertised as having a {$200.00} cash back bonus if {$500.00} was spent in 90 days of the account opening. I spent over {$500.00} in less than 90 days of the account opening ( by XX/XX/2018 ), but I  never received the {$200.00} bonus despite meeting the offer terms and over 6 months passing since I surpassed the minimum spending requirement. I have contacted TD Bank requesting the {$200.00} bonus be awarded to be given that I met the offer requirements specified ; however, TD Bank has not awarded me the bonus.
Consumer complaint received 2019-06-18
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have not been to any kind of medical in a long time and this debt does not belong to me. I have no idea who this is or where it came from but it is not mine.
Consumer complaint received 2019-05-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (FL)

After my husband separated from the XXXX XXXX we struggled to friend a job in order to make consistent mortgage payments for a long time and eventually got behind. We started filing paperwork for hardship deferment so we didn't lose the house, but it's been a nightmare. 

Every person we speak to has a different set of requirements. They keep asking for something new. And we've been doing all this for months now because one person will tell us one thing then a couple of months later we have to do it again because that person told us the wrong thing.
Consumer complaint received 2019-05-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IN)

My wife and I have been looking for a home as we will be first time buyers together for about two years now. We recently found a home that would suit us and the family we wish to have one day. With that said we heard good things about Quicken Loans and Rocket Mortgage. We made first contact on XX/XX/2019 and spoke with a few people until we came across the person to run your credit. As always the company running your credit gives you the talk about what theyre doing with it and they say we will do a ONE TIME credit pull. That is not the case. We recently went to another bank to be pre approved and were told no because Quicken Loans had ran our credit for a total of 13 times! We were listed for to many hard inquiries. My wife and I are frustrated that a company claiming to help first time buyers would do such a thing to a potential customer. My name is XXXX XXXX and my wife is XXXX XXXX. This is just wrong and unprofessional. We would like some action taken for this. Thank you.
Consumer complaint received 2020-02-28
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. (CA)

I have a inquiry from XXXX on my Equifax credit report from XX/XX/2019 that was not authorized. I attended a spring fair around that time and one of the vendors was XXXX. I did stop in front of the booth and look at their display. The sales rep asked me if I had a home security system and I told him yes we did. He began to explain the XXXX system and pulled out a piece of paper and wrote down a list of equipment with pricing. He told me he would call his supervisor and see if he could provide the equipment for free and asked me to complete the personal information at the top of the form. I told him I was not interested and he said he understood and then asked me to complete the personal information again because credit for just speaking with me. I did provide my name however I drew a line through the lines address and social security number and specifically stated I would not provide that information because I was not interested in switching security systems. He thanked me, gave me his card, and told me to call him if I ever wanted to switch. I didn't keep the sales reps card because I wasn't interested in the XXXX  security system. Upon reviewing my credit report a few weeks ago I see there is an inquiry from XXXX a day after I was at the fair. There was no reason they should have requested a copy of my credit because I was very clear I wasn't interested in their product. Also, how did they request my credit when I didn't provide them with my social security number and I intentionally marked through those items on the form? I tried contacting XXXX and a representative was supposed to call me back however I haven't received a reply. I want this inquiry removed and would also like to know what options I have for compensation from XXXX.
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLIANT CREDIT UNION (NC)

On XX/XX/XXXX, The credit card company closed my credit card, due to a returned check on my checking account in XX/XX/XXXX. I've never made a late payment to my credit card, even after they closed it. Due to the negative balance on my checking account, they reported my credit card to the credit bureau as being charged off for failure to pay and they did not report my credit card payment. My credit card payment was due on XX/XX/XXXX, and I made more than the minimum payment due. I called the company to correct the issue, and they told me they reported it that way since my checking account is charged off. I told them that my checking account and credit card are two separate things and they are reporting incorrect credit card information.
Consumer complaint received 2019-05-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NV)

A couple years ago I had a dispute with this same company and it was removed from my credit report. Here it is again. 

Chapter XXXX Bankruptcy Discharge XX/XX/XXXX NewRes-Shell Point bought the debt after the Bankrupt discharge have were trying to collect as late as XX/XX/XXXX Why is this back on my credit report? The property this 2nd lien was attached to was XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, NV
Consumer complaint received 2019-05-11
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: General Motors Financial Company, Inc. (GA)

applied for a vehicle, and for some reason they seem to do more then what they told me. I have so many inquires on my report that it is ridiculous. I am trying to reestablish, my credit and they are not making it any better, I was mislead by these car dealers, They told me it will be a soft pull on a couple and it ended up being. this all started on XX/XX/2019 to XX/XX/2019 will not do this again.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Please review the attached documents. I sent a letter along with an enclosed check for {$110.00} dollars. In the letter I stated the following : Enclosed is a check for {$110.00} for the above mentioned account XXXX. 

Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including Experian, Equifax & Trans Union and any others your currently reporting to.

3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you.

I sent the letter certified and asked for return signature. They cashed the check but failed to comply with the terms of cashing the check. I also wrote the same information in the Check Memo section.
Consumer complaint received 2019-06-18
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. (CA)

Please review the attached documents. I sent a letter along with an enclosed check for {$110.00} dollars. In the letter I stated the following : Enclosed is a check for {$110.00} for the above mentioned account XXXX. 
Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including Experian, Equifax & Trans Union and any others your currently reporting to.

3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 

I sent the letter certified and asked for return signature. They cashed the check but failed to comply with the terms of cashing the check. I also wrote the same information in the Check Memo section.
Consumer complaint received 2018-12-18
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. (FL)

XXXX XXXX XXXX  canceled a credit card I've had opened with them for over 10 years because of an issue of my social security number.The account was a business card in the name of XXXX XXXX XXXX XXXX XXXX last four digits # XXXX the card had a Credit Line {$5700.00}. 
They closed the account because they kept asking for a Federal Taxpayer number. I told them many times that I used my personal social security number on the original application. this account was opened as sole proprietors account. 
XXXX XXXX allows a customer to use '' Your Business Employer Identification Number ( EIN ) or Social Security Number ( SSN ) for Sole Proprietors-Your Personal Social Security Number '' I used my social number for this credit card account. They refused to accept this and when I write them it takes them 90 days to respond. They have hurt my credit score by closing this account.