davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

As of a recent date, I noticed this account/collection on my credit I have no knowledge of, as well as inaccurate addresses and names on my report. I would like the following removed/corrected The correct name for my account should be " XXXX XXXX XXXX '' and the correct address should be " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Please delete any outdated or incorrect names and addresses associated with my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Amount- {$8600.00} XXXX XXXXXX/XX/XXXX Inaccurate Names Reported : 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  Equifax XXXX XXXX XXXX ( XXXX # XXXX ) XXXX  {$4300.00} XXXX XXXX XXXXXX/XX/XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Inaccurate Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX # XXXX ) Balance- {$8600.00} Inaccurate Names Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/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 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
Consumer complaint received 2024-01-21
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

I used an XXXX store card through synchrony bank to purchase XXXX things between XXXX of XXXX and XXXX of XXXX totaling XXXX, XXXX and XXXX. The balance was paid off on XX/XX/XXXX after the first XXXX purchases and as of XX/XX/XXXXXXXX XXXX XXXX the balance was paid off again. The account wasn't used by our family again. We started using a budgeting app and immediately found out that the card was still taking monthly payments from my personal bank account. I started an investigation with the Synchrony fraud department XXXX separate times only to have them reopen the account and issue another card each time. the third time I requested all the statements for the life of the account, and I received it XX/XX/XXXX. after going through the statements i realized it was in fact an account that i opened but since XXXX of XXXX someone has been making purchases using my card that I was unaware of. the current balance of the card has exceeded the line of credit, and the Synchrony bank XXXX department will not take action. their excuse is the account is more than XXXX XXXX XXXX, the statements were never returned, and the automatic payments were always on time. I have put an XXXX hold on synchrony bank to stop withdrawing payments and synchrony has not done anything to stop this from happening.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see attached documents for the whole story but I have been trying to get an issue resolved for over a year with this company and they dont take anything serious and fail to respond to my dispute.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (CO)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 section 604a states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1681a states the banking system is dependent upon fair and accurate credit reporting. Attached are my credit reports which will clearly show discrepancies within the reported balances. These inaccuracies on my report have caused a lot of trouble for me as I'm in the market for a new car.
Consumer complaint received 2023-08-27
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 have contacted Equifax to investigate an inaccurate account on my credit report. Despite stating an investigation was completed and that the account is verified and accurate, there are still erroneous and inaccurate information regarding this account. 

According to my credit report, the account was charged off as of XX/XX/2022. Since then, the account has repeatedly been updated as charged off every month. Please see the screenshot to the left. 

This is an update in the payment history, which to my understanding, charged off accounts SHOULD NOT include an active payment history. Need I remind you, this also falsely manipulates the statue of limitations. 

I am demanding a deletion of the following account : XXXX XXXX, Account # : XXXX
Consumer complaint received 2023-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC. (MO)

Third party collection company that has no contract with me posted personal information online on multiple sites. Demanding payments for a debt that was not validated and verified. Identity theft is being reported. Company has no record of business license in my state, i m also reporting to SOS office, AG and IRS
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writi ng to follow up on my previous noti ce sent on XXXX XXXX ago from the date of this XXXX XXXX, regarding the dispute of certaininformati on in my credit fi XXXX. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX on Account XXXX below. 
I want to emphasize that I did not authorize XXXX  to use my name or personal informati on to obtain money, credit, loans, goods, orservices menti oned in this report. 
I did not receive XXXX  benefi ts, funds, goods, or services associated with the events described in the report. 
Furthermore, I have no knowledge or informati on about the individual ( XXXX ) who uti lized my personal informati on or identi fi cati ondocuments without my consent.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Collecti on Account Summary below.

I want to emphasize that I did not authorize anyone to use my name or personal informati on to obtain money, credit, loans, goods, orservices menti oned in this report.

I did not receive any benefi ts, funds, goods, or services associated with the events described in the report.

Furthermore, I have no knowledge or informati on about the individual ( s ) who uti lized my personal informati on or identi fi cati ondocuments without my consent.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

XXXX, XXXX this to whomever can cut a check and mail it out. I am done with wasting more of my time. 
I called your escalations for merchant service yesterday. What a joke. 
We tried to get an address and mailing label to send machine back, XXXX was not responding. They said we were not supposed to bring it into the branch. They said they don't have the machine and I said you mailed it out. 
XXXX wanted the commission and I'm well aware why he did not get us the address or label quickly. 
I need that XXXX sent out to me in a check that was fraudulently pulled from my acct. The machine was supposed to be free. Why would they charge a customer and not get a check out immediately when they make a mistake like this. 
Everyone you all had me talk to said your machine works with phone line and internet line. I have never had worse customer service in my life and for you all to make a mistake this big and not apologize for wasting my time for months is terrible. My saving grace is I never ordered XXXX worth of checks. Your merchant side is truly some of the most untrained people I have ever done business with and for them to question me about why did I bring the machine in to you instead of apologizing and stating let me get the funds that they took out of your acct asap is disgusting. I sent them all XXXX emails that I sent to XXXX XXXX as I tried to send this machine back and they said you should not have taken the machine, I said XXXX was just trying to salvage my other Accts at this point as your merchant side is the reason I left. 
If this is not resolved and a check sent out I shall contact an attorney regarding you all taking money from my acct when they knew the machine was no cost, and lied about what the machine could do. I am on the beach. I need a machine that does landline and internet. The internet goes down all the time. I said that XXXX times. Also, Who advertises free machine and then pulls XXXX out of someone's acct when they assured the customer that this device worked like my XXXX. Train these people at merchant services before they cost you more business. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Open XXXX Brunch Only 5 days a week Closed Tuesday and Wednesday Text XXXX @ XXXX This is one of many emails I sent to the branch manager at XXXX this XXXX XXXX XXXX sent the machine back because it did not do internet and landline and my only saving grace is that u did not order XXXX in checks. They have approx XXXX of my money and will not send me a check even though they told the branch manager they did I have a lot of emails I can send to you.
Consumer complaint received 2022-10-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

On XXXX XXXX XXXX XXXX XXXX  I have been contacting Experian about the inaccuracy of my personal information ( My name and address that I never lived at ) on my consumer report since XX/XX/XXXX I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website and it has still have not been deleted and I have never received and updated version of my consumer report with these deletions since my earlier disputes also please remove/delete all job information as well off my report I also noticed that my name appears to be misspelled on my credit report. My name only has XXXX correct spelling, and there should be no variations listed also all of the errors are highlighted in yellow in the file attached to this complaint.
Consumer complaint received 2023-06-14
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. (FL)

I am submitting this Complaint to demand that the Credit Reporting Agencies correct their reporting on my Credit File. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. My information has been exposed in the XXXX data breach. The following account, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Also this account was previously removed and yet the Credit Bureaus reinserted the account without letting me know. Under the Fair Credit Reporting Act, the Credit Bureaus are required to let the Consumer know about an account 's reinsertion on their Credit Files, however, the Credit Bureaus disregarded these responsibility and continued to reinsert the account without my knowledge. I need the Credit Bureaus to correct their reporting and Completely remove the disputed account off of my Credit File as soon as possible. The account XXXX XXXX account number XXXX with an alleged Balance : {$15000.00} must be removed completely from my Credit File for erroneous and misleading reporting.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I recently opened a checking account with Chase Bank. I deposited a check from a well known XXXX XXXX office which was my deposit that they were refunding because I cant have XXXX now that Im XXXX. I deposited the check on XX/XX/XXXX for {$1900.00}. They put a 10 day hold on the check. I spoke to multiple customer service reps all giving different information as to why the check is on hold and when the funds will be released. I contacted the bank the check was written from XXXX XXXXXXXX XXXX and was informed that the check has already cleared their bank and there are no holds on that check. After multiple days of calling back and forth with Chase they will not release the funds until after the holiday on XX/XX/XXXX. They wont even release {$250.00} of the funds which is required by law.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The week of XX/XX/XXXX, we visited the Bank Of America in XXXX XXXX, MD as when I had looked online it was indicating my account was closed. The manager told me she didn't know why the account was closed but we could call XXXX to find out more details. When I called, I was informed that a letter had been mailed to me, which I never received and that a check for the proceeds in my account will be forthcoming. I have yet to receive the check, I have called BOA numerous times, to no avail. Today when I called they indicated I would have to wait 121 days from the date the check was mailed to have the check reissued. I am XXXX XXXX XXXX, that lives paycheck to paycheck, I can not wait over 4 months to get my funds from Bank of America and find this unreasonable. how do these large financial institutions get away with holding my hard earned money for such a long period of time, this is just unethical and their policy should be changed to better protect consumers. The day the account was closed was XX/XX/XXXX, the check was mailed XX/XX/XXXX, and it was for {$1800.00}, I can no longer access my account, nor statements online and quite simply don't understand how this type of unfair service can happen and leave me without a banking relationship, nor cash to facilitate bill payments.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (HI)

I deposited a check for {$2400.00} into my business account ending in XXXX in XX/XX/2023. The check posted then I tried to transfer money to another bank 's account and there was an error. After talking with XXXX  agents and managers, some said that the check was flagged as counterfeit and that they would not release the funds to me. They transferred the money to another account, basically keeping the money. 
Their answers don't make sense because it was a XXXX XXXX check with all the bank 's information on it. They could easily have called that bank to verify the information. I want a check in that amount mailed to me. 

In XXXX of the letters sent to me, it says " no funds are to be released as the account is still under investigation. '' I also contacted the issuer of the check, XXXX XXXX Bank, and they said there is nothing wrong with the check and that it was deposited into my Truist XXXXFrom what the Truist managers said, the investigation ended a XXXX XXXX XXXX I want my money or I will sue Truist Bank.
Consumer complaint received 2024-01-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

Lakeview Loan Servicing has been servicing our mortgage since shortly after we closed on our new property back in XX/XX/2023. They are a very dishonest and abusive company that is attempting to steal money from its customers. Here 's what happened : XXXX. We received a supplemental property tax bill from XXXX XXXX in XX/XX/2023 XXXX. We called Lakeview and asked if they were going to pay it, they said no- they do not pay supplemental taxes and that we need to pay it XXXX. We paid the first installment of the supplemental tax bill ( 2 in total, 1 due in XX/XX/XXXX due in XXXX ) XXXX. We received an annual escrow analysis that showed a shortage and bumped our monthly payments up significantly. This escrow analysis showed that Lakeview paid the supplement tax bill, had a much higher insurance premium than our policy, and showed projected disbursement in XXXX as including the second installment of the supplemental tax bill XXXX. I called XXXX, and they said they don't know what happened but they received a refund for the double payment of the supplemental tax. I asked them to adjust the escrow analysis and they said it would take 10 days XXXX. 18 days later I checked and there was no update on the escrow analysis, I called and the agent didn't know what happened and opened up another ticket They are feigning ignorance / incompetence and blatantly trying to steal our double supplemental tax payments ( > {$6000.00} total ) and overcharge us for insurance. I still do not know if they will credit the refund they received from the first double payment of the supplemental tax or what the projected disbursement in XXXX will be ( are they paying the second installment of supplemental tax? or are we? or do they expect us to double pay again so they can pocket the refund ). 

Please help.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I want to let you know about a problem with my credit report. There are mistakes in the information about some accounts ( XXXX XXXX XXXX XXXX Date opened XX/XX/year> Balance {$7000.00} ). Even though I tried to fix it with the creditors, the issue remains. I spoke to a representative, and they admitted there was an error. They said they would fix it, but I'm concerned it hasn't been updated yet. I hope you can help sort this out.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NJ)

There is fraud on the below accounts. I have recently detected suspicious activities on several accounts within my credit repot. I am taking these accounts like this very seriously, and am committed to safeguarding the security and privacy of my personal credit accounts. 

Upon thorough investigation, I have identified irregular transactions and unauthorized access on the following accounts : 1. Jefferson Capital Systems 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 Fraudulent Activity : Unauthorized access to this account has occurred, with evidence of fraudulent transfers and changes made to personal information.
Consumer complaint received 2024-05-22
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: General Motors Financial Company, Inc. (AZ)

unauthorized/fraud credit inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GMFinancial 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
Consumer complaint received 2024-05-22
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I have a collection account listed on my credit reports by a debt XXXX XXXX, XXXX XXXX XXXX collecting on behalf of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is not licensed to collect in the state of Florida and therefore I am disputing this collection account.