davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (FL)

on XX/XX/2018 I experienced issues with my care credit card with synchrony bank. My card was showing as if I had no account. I proceeded to contact synchrony and was told by customer service that my account was restricted I asked why as my account had a XXXX balance and in good .I was told I needed to verify my account. Synchrony bank did not want to accept my info such as address, phone and social security. They told me that I needed to submit a 3 min video of myself with documents in the video proving that it was me. I was told to go on XXXX when I went on this there was no such search providing me with this. I proceeded to call them back and then I was told to submit my documents such as drivers license and a utility bill to a XXXX XXXX address. when I asked for a physical address and a reference number on my documents I was told I did not need it. I hung up and called for the 4th time and asked to fill out a grievance I was told they will note my complaint. By this time I was so upset and voiced that why would a restriction be placed on my account with no notifications and it was 9 months that I opened the account why restrict an account stating they needed to verify after 9months made no sense. I was told a passcode would be sent and then I was to call with the code to un restrict my account. The merchant had to wait fromXXXX till XX/XX/2018 16 days to get paid. My other issue with synchrony bank occurred on XX/XX/18 where I discovered that synchrony bank closed my Jcpenny account and my tjmaxx account. there was no reason to close my account I have been in good standing with both accounts. I have paid on a timely manner and have a XXXX balance owe. I had no warning. I found out via my XXXX XXXX app that sent me an email alerting me that my account was closed. I called jcpenny synchrony bank and I was told that the credit bureau closed my account by customer service. when I contacted XXXX I was told this is not true that the bureaus receive notice from the creditor notifying to close an account. synchrony bank lies. They also don't have physical address for formal complaint grievances. My credit report score has nothing to do with my good standing with my credit card and I feel I was treated unfairly.
Consumer complaint received 2023-12-20
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Cancellation of Debt Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against First Progress [ Insert specific details about the creditor ], concerning their reporting practices related to the cancellation of debt, specifically in violation of IRS Topic XXXX. 

I recently became aware that XXXX XXXX has reported the cancellation of debt as income, which is in direct contradiction to IRS guidelines outlined in XXXX XXXX. According to IRS regulations, canceled debts are generally considered income and are subject to taxation. However, there are exceptions, and taxpayers are allowed to exclude canceled debt from their income under certain circumstances. 

I believe that XXXX XXXX has erroneously reported the cancellation of debt as income, and this has led to inaccuracies in my financial records. It is essential to rectify this situation promptly to ensure compliance with IRS guidelines and to avoid any unnecessary tax implications for affected individuals. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to ensure XXXX XXXX adheres to IRS regulations regarding the reporting of cancellation of debt. Additionally, I kindly request that you communicate with XXXX XXXX to rectify the reporting errors and provide clear guidance on the correct procedures to follow in such cases. 

Enclosed with this letter, please find relevant documentation supporting my claim, including [ list any supporting documents you XXXX have, such as statements, letters, or other evidence ]. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this violation. If you require any further information or clarification, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your time and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: First Texas Auto Credit, Inc. (TX)

Following months have not been reported and my payments were made on time. 
XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX have not been updated.
Consumer complaint received 2018-10-22
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. (GA)

" " '' I have disputed this Bankruptcy chapter XXXX-discharged XXXX for months.XXXX and XXXX have Deleted them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-04-24
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. (AZ)

Multiple banks have been allowed access my credit report, and to report hard inquiries, with incorrect personal information.This allowance is a violation of my rights and privacy. 

Said inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-24
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. (PA)

I sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. I needed the following items to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive already included the items in my previous Complaint & I am including them once again.,
Consumer complaint received 2023-05-02
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. (CA)

In accordance with the Fair Credit Reporting act XXXX # 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 agency can not furnish a account without my written instructions
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.
Consumer complaint received 2023-08-04
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-10-22
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. (GA)

" " '' I have disputed this Bankruptcy : Discharged CH-XXXX XXXX for months.XXXX and XXXX   have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-05-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (WI)

The nature of my concern : XXXX XXXX XXXX XXXX received and cashed payments ( {$1600.00} ) for over two years and did not post the payments to the account. instead, they stole my money and placed my account into collections deliberately damaging my credit for their financial gain. I have copies of all of the cashed checks as well as emails from XXXX XXXX. XXXX admitting they did not post the payments.
Consumer complaint received 2023-07-15
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. (FL)

30DAY EXPIRED XXXX complaint for lieing now that they need my Identification when I sen 8 times to XXXX XXXX XXXX XXXX GA XXXX. Thats an excuse to leave all these 50 inquiry that are not mine they are putting me in a hardship situation where I cant even buy a car to get to work I'm a XXXX because not one XXXX will even consider this is against the LAW its past the 30 DAYS stop making excuses take this 50 inquiry or more OFFFFFF
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (MO)

XXXX credit report shows tradeline Sallie Mae # XXXX, # XXXX and # XXXX late payment date XX/XX/XXXX. The report also show 's 60/90 days delinquent in XXXX, with payments being made i XXXX of XXXX it shows Terms {$0.00} for 72 months. These loan were included in a XXXX in XXXX. The Bankruptcy Code provides three exceptions relating to educational obligations, These Loans met the criteria for dischargeable as 1 they were not Federal Direct Loans, old Federal Family Education Loans ( FFELs ), and state guaranteed loans 2. A private student loan is not a scholarship or stipend, and the overwhelming body of judicial authority finds that it is not an educational benefit either. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; In re XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). That a private loan is an educational benefit is inconsistent with the full text of 11 U.S.C. 523 ( 8 ), and 3.They did not provide validation that a private student loan is a qualified education loan under the third exception. 
XXXX tradeline shows contradictions in dates of delinquency ( last payment ) XXXXXXXXor XXXX or XXXX XX/XX/XXXX. 
Tradeline does not show inclusion of XXXX XXXX claim status.
Consumer complaint received 2023-11-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company (FL)

Notices from morgage co XXXX XXXX XXXX Call in twice to set up repayment plan Paper work was requested. 
Person on phone could not make arrangement for repayment plan. 
More information was needed. 

Waiting on paper work To resubmit to lossmitigation @
Consumer complaint received 2024-04-12
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. (PA)

The account that is showing on my credit report is XXXX XXXX XXXX  This is the collection agency that XXXX XXXX  send a bogus account to that I never had with them. Now its hurting my chances obtaining new credit. 


I NEVER had any services with XXXX XXXX. I tried to switch over my cellphone from XXXX to XXXX ( XXXX ) through way of a promotion that showed up in my mailbox. While trying to transfer over my 4 lines of service it was discovered that XXXX wouldn't allowed the transfer of my phones and numbers so I cancelled the whole transaction and got confirmation that this transaction had been cancelled. Several months later I started getting notices that I had a bill due from XXXX XXXX ( XXXX  ) when I didn't even have the service. I proceed to reach out to the the company several times and once I got a hold of a live rep I was assured that I didn't have any accounts ever with them and they would clear this matter. Now they cleared it alright by just sending the account to collections ( XXXX XXXX XXXX  ) and allowing them to harass me and ruin my credit. I would like this account removed from my credit report after a FULL INVESTIGATION
Consumer complaint received 2018-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc. (DC)

I received phone call about this debt in XX/XX/2018, I told them I did not know anything about this debt. then I received a letter week later .I called their phone number no response I believe this to be nothing but harassment. I do not have any account with XXXX XXXX and no account with them. a year ago hey sent a chair to my door that I did not order I never accepted the box as I never ordered anything I called XXXX XXXX who I thought may have sent it they said they did not, the box remained outside of my apartment door and the next morning it was gone I called my resident managers office to find out why they allowed XXXX to put the box at my door and they said they were never notified that I had a box or package. 
In their letter they want me to write them and I don't know why I should take time to write them if they will not answer their phone.this XXXX XXXX is a fraud operation trying to steal money from people like me through trickery and deceitful methods
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check on XX/XX/23 for {$1700.00} into my checking account. It was my last paycheck from the last company XXXX XXXX XXXX XXXX XXXX XXXX that I worked for before leaving. On XX/XX/23, I received a notice that my account has been restricted and the account will close in 10 days. Immediately, at XXXX I called the number given to me ( XXXX ), after being redirected 5 times, and left on the call for one hour, a man named XXXX picked up. After telling him my details, he let me know that the restriction was placed because of the check and they needed to call the number from the company to verify the check. No one picked up and recommended I call again in another hour or so. 

I called again at XXXX, and a woman named XXXX picked up. I told her the details and she tried calling the number again. And told me that this process of calling the company was the only way they have to verify the check and my account is due to close on XX/XX/23. However, she told me that on XX/XX/23, the hold on the check will be lifted as well as the restriction and that I'll be able to access the funds on that day. On the same day I called Chase fraud department, I emailed my former company 's fiscal department finance person and was able to receive a response that my check was cleared on XX/XX/23. 

On XX/XX/23, the funds were deposited into my account and the hold was cleared, however, I could not access the funds, use my card, or make payments. I called today, XX/XX/23, to see why I can not use the funds, and a woman picked up and let me know the account is still restricted and the funds were unable to be verified even though the check has been cleared. Ultimately, I was not able to get the check verified and was told there's nothing I can do but wait for my account to close. 

With my account being restricted, it has caused me financial hardship. I've become unable to pay rent, make payments to credit cards, resulting in maxing out credit cards while waiting for the restriction to be lifted. 

Via my last contact with the company, because the company is so huge, it can be hard to navigate to the fiscal financial department. I have attached their numbers here for reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me resolve this issue.
Consumer complaint received 2023-11-24
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: TRUIST FINANCIAL CORPORATION (NC)

Sixteen fraudulent transactions were starting on XX/XX/2023 for a total of XXXX. These were all online ( Card not present ) with XXXX XXXX with no PIN #. Truist returned XXXX but refused to refund the rest because the 1st fraud was over 60 days. 

The complaint case # is XXXX Bank : Truist We followed the steps as requested and are consistent with the Zero Liability Policy. At first glance, this policy appears to provide adequate protection for the consumer. Still, in reality, it is toothless, and Truist will make the minimum effort to give a satisfactory resolution. 



ZERO LIABILITY POLICY FOR CONSUMER DEBIT CARD PURCHASES. You may have no liability for unauthorized debit card purchases, subject to the following terms and conditions : A ) Our zero liability policies apply only to unauthorized purchases and certain ATM transactions using your debit card. Any claims of unauthorized debit card purchases that do not meet the conditions of this section and any claims of unauthorized transactions involving other types of electronic fund transfers are governed by the error resolution requirements as described in Section 10 of the Electronic Fund Transfer Agreement and any separate agreement provided in connection with the issuance of the access device. If your claim does not meet the terms and conditions contained in this section, the bank will automatically re-examine your claim in accordance with the error resolution requirements as described in Section 11 of the Electronic Fund Transfer Agreement.

B ) Our zero liability policy may not apply if : ( i ) we determine the unauthorized transaction was a result of gross negligence or fraud on your part; ( ii ) you fail to provide us with a statement or affidavit of your claim within the time requested ; ( iii ) we determine the transaction was not unauthorized as defined below; or ( iv ) you fail to report the loss, theft, or unauthorized use of your debit card or card number within a reasonable period of time. A reasonable period of time will be determined by bank in its sole discretion, but in no event will it be shorter than the time periods specified in the error resolution requirements. 

C ) Unauthorized Defined A transaction is considered unauthorized if it is initiated by someone other than you ( the cardholder ) without your actual or apparent authority, and you receive no benefit from the transaction. A transaction is not considered unauthorized if : ( i ) you furnish the card, card number, or other identifying information to another person and give that individual express or implied authority to perform one or more transactions and the person then exceeds that authority, or ( ii ) for any other reason bank concludes the facts and circumstances do not reasonably support a claim of unauthorized use.
Consumer complaint received 2020-07-28
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: EQUIFAX, INC. (VA)

Equifax is violating the HIPAA Law by reporting 5 medical accounts from XXXX XXXX that discloses the type of medical treatment received from XXXX XXXX and XXXX XXXX. This is a clear violation of the HIPPA Law.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (WI)

National Credit Adjusters LLC is constantly harassing and oppressing me after I told them to not contact me and is violating my rights under the HIPPA law because I didn't consent my information to be shared, also violating the FDCPA constantly harassing me through phone and emails and the FCRA this is a lawsuit and I will pursue for harassing me.They are using abusive, unfair and deceptive practices and also will report to the Federeal Trade Commission