davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (OR)

i have 2 phone and XXXX XXXX so i try to use apple pay with my 2 phone but when i tried to add my another apple credit card for another phone but they don't let me do and closed my account. At that time my credit card was used about XXXX $ i can't pay right away on XXXX XXXX because im on my vacation. 2 days later when i come back to home when i get cash to deposit to pay my debt but everything was gone. i can't see any transaction and my apple credit card anymore. i was try to call apple card service time to time they just tell me wait and just said they can't find my account even with my social number. while when i try to open another apple card it said i already have an exist account. So now that debt keep make my credit score going low. i wa n't to pay off the balance but they don't let me do it.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (IL)

Synchrony Bank makes it difficult to may payments on their accounts. In turn it positions them to charge lots of fees and lowers customer credit lines. I am able to see my accounts online, but can't make a payment. To make payments I have to blindly trust the automated system or wait to speak with an agent. I never received a card. Yet, they can't see that neither do they help customers that would possibly be at a disadvantage because of this.
Consumer complaint received 2022-11-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

My XXXX XXXX XXXX XXXX credit card account has not been updated since XX/XX/2022. I have paid off this card, but it has not been updated on any of my reports. I have disputed the account balance twice as it is not the correct information and shows a {$480.00} balance.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

On XX/XX/2023, someone hacked into my credit card and charged {$470.00} for XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. A foreign transaction fee for {$14.00} was also charged. I have never been out of the United States, I did not authorize this charge. I have called Bank of America multiple times reporting this as fraud. They claim that their is proof of identity that it was me who authorized this charge. I in fact DID NOT. I have other foreign charges on other credit cards that have always been resolved, but I can not get Bank of America to understand it was not me. Now my credit score has decreased bc I refuse to pay for these charges that I reported as fraudulent. I am now considering to start paying for these charges so that my credit score increases over time. 

I have closed my account with Bank of America, therefore I am not able to log in online to make any payments. My balance keeps increasing because of late charges. This is so unfair because these charges were made by someone in XXXX. I have never been out of the USA.
Consumer complaint received 2024-03-25
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: SYNCHRONY FINANCIAL (TX)

XX/XX/year> there was a new hard inquiry on my credit report form Lowe's/SYNC, I am assuming that is synchrony bank. I did not apply or have anything to do with Lowe 's. I need this removed from my credit report as I did cause an XXXX point decrease.
Consumer complaint received 2023-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CULLEN/FROST BANKERS, INC. (TX)

1. Frost Bank committed identity theft against us by opening an account using our identifying information without our permission. This is evident in the enclosed email correspondence in which I was accidentally included on by one of Frost Banks loan processors. The email was sent on XX/XX/2023, during a time when we were still determining if we wanted to move forward since our closing was scheduled on XX/XX/2023. According to the email, Frost bank had already opened a loan account and requested to be added as a loss payee on our flood insurance policy BEFORE a contract/credit agreement was signed. Frost Banks conduct violated the CFPA prohibition against abusive acts or practices because they took unreasonable advantage of our inability to protect our interests in selecting or using a product or service by opening a line of credit account without our knowledge and consent. 12 U.S.C. 5531 ( d ) and 5536 ( a ) ( 1 ) ( B ). My wife and I had not agreed to open an account without first reviewing the terms of the credit agreement. 

2. Frost Bank included an Authorization For Payoff ( enclosed ) in our closing documents for an auto loan with XXXX XXXX. We did not sign since we are not required to apply the proceeds from HELOC to an auto loan. The loan processor at Frost Bank stated we are required to use the HELOC to payoff the auto loan if we want to move forward with obtaining the HELOC. This is a violation according to Section 50 ( a ) ( 6 ) ( Q ) ( 1 ), Article XVI, of the Texas Constitution which states : LOANS DESCRIBED BY SECTION 50 ( a ) ( 6 ), ARTICLE XVI, OF THE TEXAS CONSTITUTION MUST : ( 1 ) NOT REQUIRE YOU TO APPLY THE PROCEEDS TO ANOTHER DEBT EXCEPT A DEBT THAT IS SECURED BY YOUR HOME OR OWED TO ANOTHER LENDER.
Consumer complaint received 2024-03-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (DE)

The comppany cant account for missing esscrow money. I have NEVER reci9eved a refund for any year of this loan, infact I had a coushion at the begining to avoid esscrow increase. this company makes sure to assess whil bills due so they can say " you need an advance ''. problem is Ive made all payments and my bills haad not increased much yet Loan Care is asking for more than {$800.00}. a month to pay my bills. 

I calculate I shoiudkl have had an overgae the first year oif more than {$1000.00}. Overage they second year and so on yet the company has taking my mortgage payment from under {$1200.00} to now nearly {$1700.00}. 

I wouls like this investigated with foillow up.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've been contacting the Capital one credeit card company about a fraudulently opened account with the number XXXX, since I saw this when i had to do some credit application about a year ago. I've asked the representative to send me a wet ink application signature of mine and i haven't gotten a reply from them. This is a fraudulent account and Capital one keeps reporting the account delinquent a fail to remove it from my credit report. This action has caused me tremendous pain and has caused me to be denied credit. I didn't know of the way to do anything until I got an email of how to get help with fraudulent items on credit report. Please assist me with getting to the XXXX XXXX XXXX company who's prefers to destroy a real person who was taken advantage of by fraudsters.
Consumer complaint received 2023-12-18
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. (VA)

ATTN : EXPERIAN RE : Intent to file suit- a violation of the FCRA I must emphasize that it is a violation of the law to make a threat of legal action without any genuine intention to follow through. I want to formally notify you that I am highly determined to pursue legal action against your company. Despite my repeated attempts to address the issue, requesting you to investigate and rectify all inaccuracies in my personal credit profile, you have consistently failed to take appropriate action. It is crucial to note that the law obligates you to investigate every single request to rectify erroneous information, a fact that seems to have been disregarded in my case. 

This is an utterly blatant disregard of the Fair Credit Reporting Act, which grants individuals the right to take legal action and imposes penalties and liabilities on consumer reporting agencies and data providers for non-compliance with its regulations. 

I must reiterate my previous statement that this is my ultimate appeal for you to fulfill your obligations under the FCRA. If you do not undertake a thorough examination of the aforementioned accounts in response to this final request, I will have no choice but to initiate legal proceedings against your organization within the jurisdiction of my residence. Consequently, you will be required to appear in person to defend your actions. 

I place great importance on my credit and I am deeply disappointed by your unprofessionalism and lack of assistance. I am fully cognizant of my rights under the FCRA and I am determined to assert them to the fullest extent. I expect your prompt response.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Credence Resource Management, LLC (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. Moreover, they didn't follow the proper XXXX step validation procedure which makes this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (NC)

I asked the debt collection agency for a debt validation letter. A copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, and the date of the last payment and whether the debt is past the statue of limitations. They had called me in the beginning of this year and i asked for that stuff on the phone and I also only told them to contact me through mail and never via phone again, and I have never received the debt validation letter or a follow up from them since the beginning of this year.
Consumer complaint received 2023-12-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I took out a line of credit through Citizens Pay and in the contract it stipulated that I would pay $ 25 monthly. however, after contract was signed. In addition, I successfully signed up for auto pay and discovered that they had a technical issue with their XXXX XXXX software once my credit score dropped for late payments. I have attempted to contact Citizens Pay for over 2 months via emails, certified letter, And several telephone calls to resolve the above issue albeit, it's a breach of contract for them increasing the monthly fee. However, they have been unresponsive.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AZ)

After submitting multiple disputes to the credit bureaus asking them to validate the details, they informed me that all the details have been verified. However, I am skeptical if a proper investigation was conducted in accordance with the FCRA 15 USC 1681, which requires all reported information to be 100 % accurate or deleted.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I do not recognize these inquiries and they are fraudulent. I request that these accounts be deleted promptly from my credit 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
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2023 I used an ATM at a XXXX my {$400.00} request wasnt dispersed from my Capital One 360 checking account but my online account showed immediately the posted withdrawal of {$400.00} from my account. I informed the store employee they said call XXXX which is the bank name on the ATM machine but they told me to call Capital One which I did my claim # XXXX initially I was told they would deposit my money while the 10 to 45 days of investigation is going on which makes no sense to me with the technology of today.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NC)

The company is Wells Fargo Bank. When I applied for a loan through the bank Wells Fargo sent me a denial that I received that my income, my money came to me from a public service or source and I might not have the capacity to lock into a loan contract. This is discrimination. I receive social security XXXX that is not a gratitude but, an insurance policy that was paid for and earned by me, and my work credits were earned by me. I want this challenge! In New Jersey, there is a case law that my Social Security XXXX insurance is not public assistance. It's not XXXX and I'm not mentally ill and I am requesting a public apology or I plan on bringing suit. This is the reason i was denied a loan and they should be ashamed to say such a thing and use that against me when it is not true. XXXX, Thank you for your help
Consumer complaint received 2024-04-08
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 formally address to follow up the ongoing issue of fraudulent items on my credit file, marking my numerous attempt to rectify this matter. Despite multiple efforts to dispute and remove these fraudulent items, they persist, causing significant distress and detriment to my financial well-being. 

I have diligently followed the procedures outlined by your organization to address this matter. However, the lack of action and resolution from your end is deeply concerning and unacceptable. As a consumer, I have the right to accurate and fair reporting of my credit history, and it is disheartening to witness the persistence of fraudulent activity without appropriate intervention. 

I implore you to conduct a thorough investigation into the fraudulent items on my credit file and take immediate action to rectify this matter. It is imperative that these inaccuracies are promptly removed to restore the integrity of my credit history and prevent further harm to my financial standing. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (GA)

l was a victim of fraud a couple years ago & they will not remove this off my credit report. l have tried several times explaining this to them. lt has been EXTREMELY difficult trying to open a new bank account & get new form of credit because of this. l would like each branch ( XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX ) to provide full investigation details of why l am still on the report or otherwise remove me expeditiously. Per the FFCRA, you have 30 days to respond or remove me immediately. this is denial of service & l will no longer tolerate this, l need to be removed.
Consumer complaint received 2019-09-27
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: ERC (PR)

I have on my credit file report the following account on debt collection- XXXX XXXX   XXXX Collection Agency- Original creditor- XXXX XXXX XXXX XXXX ENHANCED RECOVERY COMPANY- Collection Agency Original Creditor- XXXX XXXX  I have never requested service with those company. This is a fraud.
Consumer complaint received 2024-01-19
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: JPMORGAN CHASE & CO. (CA)

I applied for a car loan through my dealership, but they ran multiple credit checks from different lenders. These include : JPMCB Auto Finance My actual loan is from XXXX XXXX, and not any of the above listed lenders. 
This happened on XX/XX/scrub>XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account.
Consumer complaint received 2023-07-11
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. (FL)

In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Violation of the FCRA and is in violation of requisite METR02 Compliant reporting standard.
Consumer complaint received 2023-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MA)

I received a call from Rocket Mortgage XXXX, a lady name XXXX, dont remember her last name started the conversation as if we have already talked regarding a mortgage loan. She asked for my SSN to run a credit and I gave her the information. 
I then realized that she wasnt from the company I am working with and questioned her, then I called the agent I am working with, and she explained that since most of the information is published, other mortgage companies do try to sell people mortgage.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (TX)

On XX/XX/2023, per the FCRA, I notified XXXX XXXX XXXX  that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am reaching out to you urgently regarding the fraudulent account currently appearing on my credit report. Despite numerous efforts to correct this issue, I am dismayed to discover that these inaccurate entries continue to persist. It is evident that your organization has not taken the necessary steps to resolve my concerns. 
XXXX XXXX XXXX : {$5500.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$5400.00} XXXX xxxxxxxxxxxx XXXX Balance XXXX {$5300.00} XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$1400.00} ''