davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
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 (WI)

On XX/XX/XXXX I noticed that Amazon had been changing my Amazon Store care for a prime membership that was not my prime membership. The additional prime  membership that was being charged to my card was a monthly membership while my personal membership is and has always been a yearly subscription. I did not note these charges initially on my store card because the statements were hard to decipher and rather than providing line items it would just state Amazon charge. Recently this was changed and I was able to note the charge. 

I reached out to synchrony bank who holds the amazon store card and was able to determine that this fraudulent activity started on XX/XX/XXXX in the amount of {$13.00} on a monthly basis on XX/XX/XXXX the amount increased to {$16.00} this came to a total of {$630.00} in fraudulent charges. Upon speaking with the bank they stated that I would need to ask for the refund from amazon directly. 

Calling into Amazon I spoke with a representative named XXXX, after much discussion XXXX  advised that she would be refunding the full {$630.00} to my amazon store card but claimed that she would have to refund it in batches. I did confirm multiple times that I would be refunded for the full amount over the recorded line. XXXX  stated that I would receive a confirmaiton email and stated the funds would be in my account within 5-7 days. 

Today XX/XX/XXXX I checked the account and noted that 13 transactions in the amount of {$16.00} were refunded back to my account for a grand total of {$200.00} which left me short of the total amount promised by {$420.00}. I called XXXX to report the descrepency and spoke with a representative named XXXX who stated they did not have access to the call and escalated me to XXXX. XXXX claimed she listed to the call but stated they could not honor what XXXX  had previously promised me and that I should contact syncrony to dispute the charges. I continued to ask extremely pointed questions which eventually lead XXXX to reveal that she in fact had not listened to the call, refused to let me speak with anyone else despite the fact she had been dishonest throughout the conversation. I asked for the subpeona address and ended the call. 

I called syncrony bank to dispute the charges as fraudulent and spoke with XXXX who did flag all of the charges and stated a new card would be opened but their research can take up to 60 days. I attempted to inquire how this could not have been caught as there should not be anyone with two amazon prime memberships. XXXX transferred me over to a manager named XXXX who did confrm that there was no such safe guard in place for consumers and that the issuance of a new card would not create a new trade line.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Bad credit refers to a person 's history of not paying bills on time and the likelihood that they will fail to make timely payments in the future. For individuals it is often reflected in a low credit score. Having bad credit makes it difficult to borrow money, especially at competitive interest rates.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have public information passed on that should be taken out or deleted. Per FCRA you are expected to delete this XXXX  XXXX Bankruptcies .I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2023-10-17
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

Citi closed my account because my account was automatically withdrawn on from my bank account each month. I had requested on at least three occasions to change the automatic deduction date because the balance in my bank account would be less than the deduction amount - hard to reconcile when deductions are delayed on multiple automatic withdrawals. I would make payment on the balance in a day or two each time to correct. The main reason why they closed my account is when I requested XXXX benefits when my husband went on his XXXX XXXX tours in XXXX they would not honor the XXXX interest rate reduction to 6 %. I called requesting it and my husband called requesting multiply times. They refused to and closed the account instead. I had my credit card XXXX  XXXX XXXX since XXXX and my credit limit was {$29000.00} so I established a great rapport with them over the years. Subsequent to this, I paid off the account balance while being charged interest each month. The balance was paid off in full in XXXX, XXXX
Consumer complaint received 2022-12-20
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. (TX)

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I'm a XXXX XXXX Veteran. Chase Bank Refuse to Unfreeze my Total ( ... XXXX ) checking account which has {$3600.00} of funds I urgently need access to for medical needs. The Freeze began XX/XX/year>. 

As I've been told by my fellow XXXX XXXX, Banks must review the account to determine if direct deposits into the accounts include certain government assistance income, such as Social Security and veterans ' benefits. These benefits are generally exempt from the freeze. Alleged Legal Violation is 31 CFR 212.2.

I've tried calling Chase Fraud Department and in person contact at my local Chase Bank. Chase refuse to unfreeze my checking account which I urgently require access to my funds. My Total ( ... XXXX ) checking account History shows my XXXX XXXX XXXX XXXX XXXX to JPMORGANCHASE BANK, NA.
Consumer complaint received 2023-10-17
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: Transform Credit Inc. (ID)

Transform CreditXXXX and XX/XX/2023 credit inquiries, along with ( XXXX ) {$5.00} transactions in XXXX and XX/XX/2023 in my bank account. I had called and emailed them and I got no response
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-06-06
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)

This is my follow-up complaint to notify you to ensure the deletion of the negative items which are erroneous in my file. I disputed these items last XXXX so I am here to redispute these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-10-17
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. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-09
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. (AL)

There are FRAUDULENT items ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) and UNAUTHORIZED/FRAUDULENT inquiries ( XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated these inquiries. I am submitting a complaint regarding them and for assistance to REMOVE them from my credit report immediately.
Consumer complaint received 2023-10-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

Carrington mortgage bought my loan from XXXX XXXX XXXX in XX/XX/XXXX while I was in bankruptcy and on my first statement I owed roughly $ XXXX to bring my mortgage in good standing. In XX/XX/XXXX, I had my bankruptcy dismissed and my XX/XX/XXXX statement said I owed roughly $ XXXX to bring my mortgage in good standing. Now in a much better financial situation, I was prepared to pay the $ XXXX to bring my mortgage in good standing, but the pay options on their website and app were XXXX and I had to call Carrington to make a payment. On XX/XX/XXXX I called Carrington to find out why my option to pay electronically was disabled and they informed me that they had not received notice that my bankruptcy was dismissed and transferred me to the bankruptcy department. When I spoke to the Carrington mortgage bankruptcy rep I told him my bankruptcy got dismissed and I wanted to make payment to bring my balance current but felt uncomfortable paying a huge amount over the phone. So I specifically informed the bankruptcy rep how I wanted my payment allocated and they said ok. At that time my most recent statement said I owed roughly {$6400.00} to bring my account current and my monthly mortgage payment is {$980.00}. I paid {$1300.00} and told the rep I wanted to see how this payment is applied to the amount owed to bring my account current and every dollar over the mortgage payment should be applied to the balance of what is owed to make my account current. The following day, I logged onto the company website and noticed that after they accepted my payment they released a new mortgage statement for the month of XXXX. On this new statement it recognized that I made a payment of {$1300.00}, but the amount owed to make my account current ballooned all the way up to over {$12000.00}. This is unnacceptable and led me to dissect my payment history and I recognized multiple times throughout my bankruptcy where the money I paid was unnaccounted for and was applied incorrectly. I requested Carrington to have a forensic accountant to give me a detailed explanation where each one of my payments was allocated throughout my bankruptcy and where each payment was applied. Again, I have never had a statement say I ever owed more than $ XXXX to bring it current until the most recent statement which say I am behind over $ XXXX after I paid {$1300.00}. Please help me uncover Carrington banks illegal accounting that is mismanaging my funds.
Consumer complaint received 2022-09-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (AL)

On XX/XX/2022, One Main added derogatory marks on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, One Main has violated my rights as a consumer and I'm requesting legal action to remove these accounts immediately.
Consumer complaint received 2023-06-26
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. (NJ)

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 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-17
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. (NC)

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 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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would want to use this opportunity to convey my sincere worry and annoyance over the recent identification of bogus accounts on my credit report. These accounts are the consequence of identity theft, and even after I've made multiple attempts to notify you and address this problem, your company continues to take a very long time to respond. I'm sending you this letter to ask for your quick help getting this fixed. 
I implore you to look into these accounts as soon as possible, thoroughly, and take prompt action to get them removed from my credit report. After the investigation is finished, I anticipate receiving written confirmation of the removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There has been a very major reporting error as the item listed is entirely erroneous and incomplete. Kindly remove this false information and send updated credit profiles to any creditors that have received copies in the last two years for job purposes, or during the last six months for creditors.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

To whom it may concern, This is my third written attempt to remove these inaccurate address and employments from my credit report. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AL)

I have a mortage with XXXX ( originated via XXXX XXXX XXXX in XX/XX/2021. My loan was for $ XXXX. I put 5 % down on the loan, requiring PMI. 

I have since paid the mortage down to 79 % of the loan, with a remaining balance of $ XXXX. They refuse to remove the PMI. I read that by law it has to be removed when paid down to 78 % of the loan. They said they will not remove the PMI until my loan balance drops to $ XXXX, which is 63.84 % of the balance. 

This is against the law. Please help me. 

Mortgage : LakeView Loan Servicing LLC XXXX XXXX  XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To whom it may concern, This is my third written attempt to remove these inaccurate address and employments from my credit report. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a result I am the victim of identity theft. XXXX XXXX XXXX is helping with this matter. Unfortunately XXXX XXXX XXXX isn't able to see my personal information. I see there is information on these reports that do not belong to me.