davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
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: EQUIFAX, INC. (NJ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NC)

I requested a payoff of my husband 's ( XXXX XXXX ) vehicle from Citibank Credit card company to XXXX on XX/XX/2020 in the amount of XXXX. I check from CitiBank was mailed to XXXX on XX/XX/2020. The transaction cleared my account on XX/XX/2020. On XX/XX/2020 I received a call from XXXX that the check had not cleared and that it returned. I was then asked to pay the total balance of {$7100.00} in which I refused due to me actively making payments on that same amount with my Credit card company. With XXXX on the line, I called Citibank rep who stated check had been cleared and cashed already, XXXX rep stated the check returned and a new one would need to be submitted. Citibank did not agree so they did not resend payment, but they did mail me a copy of the check that was sent out to XXXX. XXXX also mailed me a copy of the returned check letter that they received from XXXX XXXX XXXX. When speaking with both companies as well as XXXX XXXX XXXX, no one can seem to account for the missing funds. In the meantime I have been responsible for paying both Citibank credit card AND XXXX, in which I can not afford to do. It has been 3 months now and no one can tell me where the money has gone. I have been battling with both companies to help me resolve this issue and it has yet to have a proper resolution. There is no way neither Citibank, XXXX, nor XXXX XXXX XXXX  can tell me where the money is. I need to fix this asap as this will start to affect my husband and I credit reports, because if I don't pay Citibank they will report and If I don't pay XXXX they also will report. I am literally stuck between to companies who should be able to easily remedy this but has not.
Consumer complaint received 2015-10-13
Product: Other financial service — Refund anticipation check
Issue: Lost or stolen check — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Reference Case # XXXX The XXXX money orders that were trace by XXXX XXXX were not added to the total amount paid. I sent documentation to this office and to Regions when i returned the {$30.00} check they sent me because the owe me $ XXXX. I know this office received my corresponding as well as Region. I did n't know how to add on the the case so I am submitting it this way. I need my money or the accounts forced open. In either case someone need to contact me. The list of money orders they applied neither is for {$75.00} or {$30.00}.
Consumer complaint received 2016-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (CA)

I have received calls almost daily for months from XXXX indicating that they are attempting to collect a debt for XXXX XXXX ( this is not me ), and to call XXXX to be removed. I have dialed this number and followed the instructions at least 10 times with no resolution. I called XXXX to " resolve the debt '' so I could speak to a person at least 3 times to indicate that I 'm not XXXX XXXX, and to remove me. They will not stop calling.
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Designed Receivable Solutions, Inc. (AZ)

DESIGNED RECEIVABLE SOLUTIONS has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe DESIGNED RECEIVABLE SOLUTIONS any alleged debt and would like them to provide proof of claim with authenticated verification. DESIGNED RECEIVABLE SOLUTIONS has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Consumer complaint received 2017-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EMBRACE HOME LOANS (PA)

For over thirty years, my mortgage payment was never, never late. It was setup as an automatic payment. Over a year ago I refinanced my home with a XXXX loan with Embrace Home Loans serviced by LoanCare through automation. Then some six months later, my loan was sold/transferred to XXXX Mortgage Servicing Corporation on behalf of Embrace Loans. I was given a new mortgage number that needed to be setup so that the new servicer could receive payment. Then six months letter I receive another letter informing me that my loan was transferred back to XXXX with another new loan mortgage number. So when I attempted to make make payment, I am told that I have several loans and choose the loan I want to make payment to. This process of transferring my loans has become my burden of paying my loans without being charged for late payments. 
This would not be an issue if the mortgage servicers would make these transfer of information less frustrating to the customers. The loan servicers selling and reselling this loan are making the profit and I the customer have to be extra concerned that my mortgage does not become a late payment thereby putting extra fees unto my loans.
Consumer complaint received 2021-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX  any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Convergent Resources, Inc. (NC)

We switched from XXXX to XXXX on XX/XX/2016. We were advised that XXXX would pay {$650.00} per line to switch us. We had XXXX lines so that is {$1300.00} to pay for any and all fees. As of XX/XX/2016, we have been getting threatening calls from XXXX about our account. We advised them at the end of XX/XX/2016 that we switched and our account should be handled by XXXX soon. The phone calls stopped. Today, XX/XX/2016, the harassing calls started again. It has not been 60 days yet and they are threatening to attach this to our credit. They have been advised that XXXX is processing the refund. I have spoken with XXXX and XXXX, only to be given a run around. I have also spoken with the company Convergent Outsourcing ( the company formerly pretending to be XXXX in XXXX but now calling themselves Convergent Outsourcing ) and they have been threatening as well. I do not feel that either company has given the appropriate and fair amount of time before calling and harassing us for the payment from XXXX. I called the FCC, FTC and now the CFPB. Can someone please make them understand how the Fair Debt Collection Practices work. When we get the pre-paid Visa 's from XXXX, we will gladly give it to them which should be within a few more weeks based on XXXX statement.
Consumer complaint received 2015-09-23
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NY)

I bought an air condition from XXXX XXXX 2 years ago by their credit card controlledby synchrony bank finance and then the bank added the interest of {$830.00} for abalance of {$490.00} without any alerts or warnings also I been XXXX that timeI have an approve for that, so I tried to call the bank too many times to pay the balance and waive the interest but they refuse and take my phone number to call me backbut never happen
Consumer complaint received 2017-03-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (NV)

I am an Amazon Prime customer & I purchased a massage chair 45 days ago via Amazon Prime. The purchase price was {$2200.00}. When I was making this purchase a pop-up ad appeared offering 12 months same as cash financing if I applied for an Amazon Prime charge account. I applied & was approved for this account which it turns out is offered via Synchrony Bank in XXXX, OH. 2 weeks after the purchase I attempted to make a payment on my Synchrony Bank account online. I got a message saying I needed to call an XXXX # so I did. The XXXX # was answered by Synchrony Bank 's Customer Service Department. The agent told me I needed to verify my identity because someone at Synchrony had placed a Fraud block on my account. After answering 5 minutes of? 's the agent refused to let me make a payment. He put me on hold for 10 minutes & then told me that his Manager said that I needed to make a copy of my Drivers License, write my account #, date & sign it & mail it to Synchrony Bank in a XXXX, OH. I told the phone agent that it was crazy to me that he would n't let me make a payment on my account. I asked him who commits fraud by making a payment on an account? He could n't answer my?. He proceeded to give me a 2 minute disertation about Synchrony Banks Fraud policies. The next day I made a copy of my Drivers License, signed & dated it & wrote my account # & mailed it. Yesterday I tried again to make an online payment & got the same message telling me to call an XXXX #. I called the Synchrony Customer Service Department last night & the agent ( XXXX ) gave me the same FBI interrogation that I got 3 weeks ago. He refused to let me make a payment so I asked to speak to a Supervisor. The Supervisor admitted that Synchrony received the copy of my Drivers License I mailed 3 weeks ago. She said my account was under 'investigation '. I about fell out of my chair in disbelief. I asked her how I was OK to get approved by Synchrony for a {$3000.00} Amazon Prime account but I am not OK to make a payment on the account? She placed me on hold for 10 minutes & then told me she would create a XXXX call with a payment agent that could take my payment. After I made my payment the Supervisor said in order for Synchrony to remove the Fraud block on my account i needed to make a copy of a recent utility bill & mail it to the same XXXX XXXX XXXX XXXX, OH where I sent my Drivers License. I told her that I was n't going to waste anymore time sending Synchrony Bank ID docs. I told her I was going to file a complaint against her company & their Gestapo tactics. She told me that there was a late charge on my account & I asked her how that could be when I have n't received any statements or emails telling me how much I owe. I also reminded her that I was supposed to receive 12 months same as cash. She told me she could n't discuss my account because of the Fraud block. This is the most insane thing I have ever seen in my XXXX years on this planet. Help!
Consumer complaint received 2015-05-07
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX, 2015 I went to Ashley Furniture Home Store on XXXX XXXX and XXXX XXXX in XXXX, TX. I applied for {$410.00} in financing for the purchase of a dinette set. approximately XXXX weeks later I received an Ashley furniture credit card in the mail with a {$2500.00} limit. My complaint is that I did not apply for a credit card. At no point was I told that in applying for financing of only {$410.00} would a request for {$2500.00} of credit deceptively be submitted, therefore added to my credit report. I called and complained and was told there was nothing that could be done. I stated I would not be using and would destroy the card. I further demanded that the correct the amount of credit reported to the credit bureaus to accurately reflect the amount of financing I authorized. Is n't it deceptive business practice to apply for an amount greater than what the consumer requested?
Consumer complaint received 2016-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (TX)

A debt on my credit report that is handled by XXXX XXXX XXXX, I disputed by letter. They responded that they were investigating. When I got their result, I asked for verification of the debt. They never provided final proof of the debt. 

I sent a certified letter to them in XXXX and they did receive it. However they have failed to respond to my certified letter or further communicate regarding the debt. 

This is a violation of the Fair Credit Act.
Consumer complaint received 2024-09-17
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)

RE XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - 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. XXXX XXXX XXXX  XXXX - 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 XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX of XXXX XXXX. XXXX XXXX XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. 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 XXXX  XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 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. XXXX XXXX XXXX  - XXXX XXXX. XXXX  - XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX - Late Payment XXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX XXXXXXXX Late Payment XXXX XXXX XXXX XXXX XXXXXXXX - Late Payment XXXX XXXX XXXXXXXX - Late Payment
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are 3 loans that are not mine I have tried disputing this with the bureaus and nothing has happened I have tried with the furnishers and nothing has happened. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies within the last 30 days. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 


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. 
XXXX XXXX XXXXXXXX Revolving with account # XXXXXXXX XXXX XXXX XXXX XXXX Installment with account # XXXX Chapter XXXX bankruptcy XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting can not furnish an account without my written instruction 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-08-13
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. (VA)

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating XXXX using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

Equifax : XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$210000.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$120.00} XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX BANK Account Number : XXXX {$6800.00} XX/XX/XXXX XXXX XXXX Account XXXX : XXXX {$4400.00} XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX Account XXXX : XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$210000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$5800.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$6400.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$3900.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7600.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$4200.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$18000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$3200.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$6800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$1800.00} XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$4400.00} XX/XX/XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX ) Account Number : XXXX {$4400.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$4500.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$1800.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$5300.00} XX/XX/XXXX XXXX XXXX Account Number XXXX XXXX {$4400.00} XX/XX/XXXX
Consumer complaint received 2020-08-07
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. (FL)

Account NameXXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$32000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 


Status UpdatedXXXX Balance {$24000.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$15000.00} Highest Balance {$0.00} Terms60 Months On Record UntilXX/XX/XXXX i HAVE DISPUTED THIS WITH XXXX EVERY FEW MONTHS FOR 3 OR MORE YEARS. MY FIRST HUSBAND HAD A CAR HE USED MY NAME TO GET AND THEN APPARENTLY DIDNT PAY FOR IT. HE OWED APPXXXXX AT THE TIME AND WAS AWARDED THE DEBT BY THE JUDGE IN OUR DIVORCE WHICH I HAVE SENT THEM MULTIPLE TIMES AND HAVE ALSO ADDED THE STATEMENT. IVE ASKED THEM TO SHOW ME HOW THEY HAVE KEPT REPORTING FALSE INFO AND WHY HASNT IT BEEN REMOVED AND THEY STILL NEVER RESPOND AND I HAVE HAD TO TAKE THE PAPERS TO THE DEALERSHIP WHEN I NEEDED TO LEASE MY ACTUAL CARS AND I DONT KNOW WHY THEY KEEP REPORTING THIS WHEN IT IS NOT MY RESPONSIBILITY. ALSO THEY KEEP REPORTING IT HIGHER AND HIGHER AND NOW IT SAYS XXXX WHICH IS COMPLETELY CRAZY. I DONT KNOW WHERE IN TEXAS MY EX HAS MOVED TO BUT PLEASE PURSUE THE RIGHT PERSON