davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NH)

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 XXXXXX/XX/year>
Consumer complaint received 2024-07-04
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. (PA)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2023-12-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: SYNCHRONY FINANCIAL (WA)

Opened a new CD on-line on XX/XX/XXXX for a 14 month CD advertised with rate of 5.65 % with Synchrony Bank XXXX I was informed that I could fund this account within 30 days. On XX/XX/XXXX, after the funds were transferred ( via XXXX to my Synchrony High Yield Savings account from an external account ) and made available only on XX/XX/XXXX, I funded the account. The online account showed 5.65 % for 14 months when I funded it. However, when it was fully opened moments later, the rate had changed to 5.25 %! 

I immediately contacted Synchrony Customer Service and spoke with a live XXXX named XXXX who tried to help me but the connection was lost. I called again and this time spoke with XXXX who said they can not honor the 5.65 % rate advertised and had to keep the current rate offered at 5.25 %. I asked if they could resolve this by offering a similar rate with similar term but best rate available was 5.50 % at 15 months. I said ok but then was informed they would have to close the new account and charge my 7 days interest on the principal which is about {$230.00}! I asked her to elevate my request to a XXXX. She transferred me to XXXX, a XXXX who could not give me her last name. 

As a consumer, I was misled by the promotional rate offered. The original reason why I moved my LIFE SAVINGS to Synchrony in the first place was because of the rate Synchrony Bank was offering. When I spoke to XXXX, the XXXX, she told me that their terms and conditions said the consumer does not have any rights to make a change within minutes after an account is funded without incurring a penalty. So essentially, I would be charged a penalty against my savings principal for a false advertisement enticing me to move my life savings to an account that was later lower rate? I don't feel the average consumer should be mis-led to rates that change on a dime especially if the online portal still shows the advertised rate of 5.65 % when they are funding the account online. Now they are going to charge me to close the account and open a new one. I am now losing money instead of earning interest on my money. This is very egregious to the consumer.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (MI)

I got a preapproved credit offer in the mail for a Milestone credit card. I already have a card with XXXX XXXX. Trying to get my credit better so I decided to to fill out the application & was approved for {$700.00}. The card came in the mail around the XXXX of XXXX, so I went online to activate it & that's when I saw the amount owed for {$170.00} as an annual fee. So on XX/XX/23, I typed a letter asking them to close my account & to tell them I did not want their credit card because I have never in my life heard of a annual fee being that high for a {$700.00} credit limit. So I enclosed the card with the sticker still on it with the letter, took it to the post office & sent it to them via certified mail with signature & card return. Got a letter from them on the XXXX or XXXX of this month stating they will close my account but I still have to pay the {$170.00}. That is XXXX  XXXX because I have no annual fee with XXXX XXXX & my credit increased from {$300.00} to {$1800.00} within 3 months. There was no way I would have signed for Milestone 's card knowing the annual fee was that high. I just got my credit score up XXXX points & now they are trying to make me pay for something I no longer have or want. That's why I am writing you because I am not going to pay them {$170.00} when one, I was lied to, two, I no longer have their card, & three, never used it at all, just sent it back to them with the sticker still on it. All I want is my account closed & them removed off my account because they are fraudulent & trying to rip people off with that high annual fee for that small amount of credit.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The reason for this complaint is that SPS is holding my account hostage from me reinstating it. I requested a PAYOFF via the automated telephone line on XX/XX/XXXX. I put in my fax number. I received that the same day. The same day I also spoke to representative and advised them that I also need a REINSTATEMENT to bring my loan current because I am getting a new second loan that will reinstate my first loan and the investor is requesting a payoff and reinstatement. The payoff is for the investor to see what hes going behind and it was required per the loan terms. Never received the reinstatement. Called to follow up on it XX/XX/year> and was advised there was XXXX never ordered. I personally spoke to representative who stated they absolutely 100 % put the request in. Please pull the call. This is completely unacceptable. XX/XX/XXXX, that same day, I spoke to a supervisor by the name XXXX XXXX, and she stated that she only sees the payoff being ordered and she would PULL THE CALL. I am completely appalled that you hire employees who are incapable of doing their jobs properly. This is my property at stake.At this point, I am I requesting a postponement due to SPS, not doing what their job entails and delaying The opportunity for me to reinstate my property so that I do not lose it in foreclosure. Again, please pull the calls. 
At one point I was in a modification and paid all XXXX payments and because I paid the last payment on the last day of the month, they got it but it was " TOO LATE. '' I have been advised that if a payment was made and receivedby the last date of the month it would be accepted. All of a sudden it was not and the opportunity was taken from me. I NEVER RECIEVED THESE FUNDS BACK EITHER. Attached is also proof of that which coincides with the fact that I have done everything I can, but yet SPS still wants my property. SPS has my bank statements which also show I have proof of Funds to reinstate the mortgage as well but as we all know, I need the EXACT AMOUNT. The investor I had lined up backed out as I did not provide the reinstatement in writing to him in a timelymanner, the title company stated that even if we have the reinstatement at this point they would still not be able to release the funds to escrow in time per the deadline of the sale date. I also need to get with my financing manager to release the funds and as we all know that I need a reinstatement. I wanted to utilize the equity that I have which is well over XXXX XXXX dollars and to pay the loan off would be the amount of XXXX, XXXX.I have more than enough equity which is further proof that SPS wants to steal my property from me.I do NOT WANT TO PAY IT OFF THOUGH! I only want to reinstate it and bring the loan current. I have no other choice at this point to either pay the loan current or lose it!!! I do NOT want to have to use my own cash either if I have the equity to do a new second loan and that is regardless because SPS should NOT care how or who they receive the funds from.
Consumer complaint received 2023-12-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (NC)

On XX/XX/XXXX at XXXX XXXX EST, I received a voicemail from Resurgent Capital Services in which they directly identified themselves as a debt collection company. They also left information which directly stated that they had not received payment from me. Additionally, the voicemail was left by a robot. 

Similar voicemails were left on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-06-23
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. (NY)

Regardless of the multiple written requests, the fraudulent items listed here in my complaint are still reporting on my credit report in violation of Federal Law. Credit bureuas failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Remove the following items right away : XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NH)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
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: Nelnet, Inc. (IL)

Ive never done business with NelNet, Ive sent over in writing asking them to tell me how they verified the information with the credit agencies and I have heard nothing its been over XXXX  years since Ive asked them
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

This is my twelfth complaint regarding my experience as a victim of inaccurate credit reporting. According to Section 605B ( a ) of the Fair Credit Reporting Act, you are required to remove any items that were opened without my knowledge, consent, or authority within four business days, provided you receive : ( 1 ) appropriate proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) identification of the disputed information, and ( 4 ) a statement from me asserting that the information does not pertain to any transaction I have made. The following items need to be removed as they are inaccurate : Experian : 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. If you believe these items are 100 % accurate and verifiable, please provide me with copies of any associated documentation that bears my signature, as I am confident no such documentation exists. If you can not produce a signed agreement, you must remove these items from my file. If you fail to remove these items, I will refer this matter to my attorney for further action. Please avoid escalating this to a legal issue. You have four business days to remove any incorrect items from my credit file. I do not consent to the use of E-OSCAR or any automated verification methods.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The company has acknowledged this error and has committed to updating the status to closed and open/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. Specifically, I wish to dispute these accounts XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

I pulled my credit report on XX/XX/XXXX and found a charge off from CHRYSLER CAPITAL. Despite that this account shows as a charge off, and is closed you continue to report it as late ever month including XX/XX/XXXX. How is this possible, you are reporting this incorrectly, and this needs to be fixed. If you refuse to fix it you are in violation of the FCRA.
Consumer complaint received 2023-12-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (GA)

I have an apple card, which is bank issued through Goldman Sachs. I cancelled an apple order of a new XXXX on XX/XX/2023. The charge was for XXXX XXXX The order was sucessfully cancelled through the merchant ( Apple ), they confirmed that the order did not fully go through since it was cancelled. Merchant was not able to do anything on their end and told me this is a bank-specific issue. So I contacted Goldman Sachs beginning since XX/XX/2023. They always tell me the same run arounds about contacting different departments of the bank, and telling me " just keep waiting ''. 
It is towards the end of XXXX, the order was cancelled in XXXX. The pending charge should've dropped long time ago. I can not use my apple card because the pending charge is using up majority of my available balance. Please help, thanks.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :