davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (TX)

Ive asked the company and credit bureaus to remove debt that is 7+ years old. The debt keeps reappearing. The account was charged off in XX/XX/XXXX, so its 7 years and 10 months old. Please assist. 

Account info Account name SYNCHRONY BANK/CARE CREDIT Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$3.00}, XXXX written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$3000.00} Highest balance {$3800.00} Terms NA Payment history XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days 150 Past due 150 days XXXX Closed XXXX  Charge off XXXX No data for this period Payment history guide Charge Off as of XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX Contact info Phone number ( XXXX ) XXXX Address C/O XXXX XXXX XXXX XXXX XXXX FL XXXX Comment Current : Purchased by another lender. 

Previous : None
Consumer complaint received 2022-12-07
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was contacted XXXX central time on XX/XX/2023 from my mom that she was being contacted by Bank of America XXXX there was a flagged suspicious application in my name. The fraudulent applicant put my mom 's number in the application. I was put on a 3 way call to cancel the application as well as put in a request for the copy of the application which can take 7 days to receive the request form and up to 30 days to receive the copy of the application. I was advised I would need to contact the credit bureaus ( XXXX, XXXX, and XXXX ) where there was a hard inquiry to my credit from Bank of America. I was able to have the hard inquiry removed from my credit and have gone down the avenues to be put on an initial credit alert for the next year, as well as, put my credit on freeze with all 3 bureaus, but I need to supply the bureaus with an FTC report/CFPB report in order to be granted a 7 year credit alert.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

I used my AAA credit card ( Comenity Bank ) on some large home renovations in XXXX in order to take advantage of a generous cash back promotion offered by the bank. My intention was to pay it off quickly but it is now clear to me they intentionally make it difficult to make payments in order to inflate their numbers and charge you interest. I attempted to make full payment, of slightly over {$10000.00} on approx XX/XX/XXXX. The bank refused to take my online transfer payment, with their customer service representative telling me that they could not accept a payment that large. They told me I would have to make two separate payments, which I did with them over the phone. However, they also told me they could only process one payment per day, but they assured me they would put the second payment through on the next business day. I assumed when I hung up that the payment was fully processed. On approx XX/XX/XXXX I went to use the card and the card was denied. When I called their customer service again, I was told they never verified my account number with me and the payment never actually went through. Customer service went back and listened to the recorded call in which I attempted fo make the full payment. After listening to the call, the supervisor apologized and agreed to waive the late fees because the bank had not processed my payment nor had they confirmed it went through before ending my call. She again told me they coulld only process it as two payments, she confirmed for me the first half of the payment went through and promised me she would do the second half the next day. On XX/XX/XXXX my card was again denied, even though I had made payment and was well under my credit limit. When I called, I was told my account was frozen due to non payment. A supervisor apologized again, promised me he would put the 2d payment through, but told me it would take 7 to 10 days for the bank transfer to be processed. They also told me in the future if I wanted to make a large payment I would have to ask for a supervisor. I plan to cancel this card. I have never dealt with a credit card company that intentionally makes it hard for someone to make a payment. While they lure customers in with generous cash back promises it is clear they dont want customers who pay their bills in full. Very, very sleazy.
Consumer complaint received 2024-01-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BSI Financial Holdings, Inc. (CA)

I have made multiple attempts with BSI mortgage to resolve this issue. I have called since XX/XX/XXXX, I have left multiple messages for supervisor to call me. I was approved according to BSI for a Covid 19 recovery partial claim. My understanding after speaking to HUD FHA that the mortgage company should not report lates under this act. My credit report is showing lates as of XX/XX/XXXX. I have decided to sell my home as advised by BSI because they said I didnt qualify for any other programs. I have put my home for sale and decided to rent an apartment but my mortgage lates on my credit have hindered me from obtaining somewhere to live. I am doing everything possible and I have done everything I have been asked from BSI. No one has answers or can help me and every time I call the supervisors are out to lunch. I have no access online to see anything on my account, it is all blocked. I have called BSI, HUD and also had assistance from HUD counseling. I have done as I was told to sell my home. Can I please get some help with the latest on my credit so that I can find a decent place to live.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I wish to file a complaint against Chase for a misrepresentation and overcharge in a hotel booking made through their portal. My reservation was for a stay at The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XX/XX/XXXX to XX/XX/2023, under the confirmation number XXXX. The booking was for a Luxury King Suite Sphere View for 2 guests and 2 nights, as clearly stated in my confirmation email. However, upon check-in, I was informed by the hotel that my reservation was for a Luxury King Suite CityView, not the Sphere View. The hotel attributed this discrepancy to an issue with the Chase portal and the only available Sphere View room was a double-bed option, requiring an additional charge of {$160.00}. I believe this constitutes a misrepresentation on Chase 's part, leading to miscommunication and an unexpected additional charge. I am seeking a refund of the {$160.00} and request an investigation into Chase 's booking system to ensure accuracy and prevent such errors in the future. This incident has caused significant inconvenience and distress, as I had assured my companions based on the booking details provided by Chase, and it raises concerns about the reliability of Chase 's booking portal.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I have sent several certified letters to Experian that they are reporting incorrect information on my credit report. I have asked for method of verification and Experian still has not responded appropriately. Their lack of professionalism is disrespectful and costing me and my family financial distress. Experian refuses to respond or delete inaccurate information after given the 30-day period to investigate my disputes. Stalling, hoping that I would stop disputing eventually.
Consumer complaint received 2022-02-16
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. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX, with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It has came to my attention that some accounts and inquiries that were not authorized by me was placed on my credit report and it surprised me that the bureau are not making sure that all records showing myreports are accurate, the accounts and inquiries are no where attached to me nor do I have anything to dowith them, please kindly remove as soon as possible because it violated my consumer right, reporting inaccuracy is a violation. kindly remove. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (DC)

In XXXX, I was charged a {$550.00} annual fee for the year. In XXXX, Chase unexpectedly and without warning canceled my credit card while I was traveling, stranding me with no money. When I called, they said that my account was closed due to bank policy. They would not tell me what that meant and said I had to wait to get a letter in the mail a few weeks later, which was equally unhelpful. My account was completely irreversibly closed. The person in customer service on the phone informed me that since the account was closed that I didnt need to do anything further. After a while, I started to receive notices that I actually did owe money on the account, plus interest and late fees. I called Chase and they told me that because of what happened I would not have to pay the late fees or interest charges, and they obviously would not be charging me a {$550.00} annual fee for the year in which I did not have the card because they canceled it. Despite them having told me initially I wouldnt have to pay anything, I did then pay the {$7500.00} balance on the card so I would owe nothing and could be done with them. The only amount left on the account was the {$550.00} that they said would be refunded so my balance would show as XXXX within several business days. That did not happen. When I logged back into my account to confirm I had a XXXX dollar balance, I was now seeing the {$550.00}, plus additional interest of {$130.00}. When I called back, they told me they didnt have to do anything and that they would not be refunding me for the annual fee even though they canceled the card about eight weeks after I paid the fee for a full year. They also told me they would not be refunding me the interest theyre now charging me for that {$550.00}. They told me that I had to pay it, and that they would keep charging me late fees and interest if I didnt and said they would also report it to the credit reporting agencies. Please help me, I do not owe this money they told me and admitted I didnt owe it, and now they just tell me too bad and hang up on me when I call. They can not just charge me {$680.00} in the fee plus interest charges for a years worth of services that I paid for when they only gave me about eight weeks, and then ruin my credit when I try to dispute the injustice.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I sent this messaged to Chase Bank by my online access to my Chase acct : Hello, I would like to express my dissatisfaction with Chase Bank and I couldnt believe Im still banking with Chase afterall when Chase didnt protect me and ruled in favor of that scammer who fraud me & ripped me of the amount out of my checking acct total {$4500.00}. The dispute complaint against XXXX XXXX. It turned out that the XXXX  contract they pushed me to pay for {$4500.00} is truly XXXX and a cheat afterall. Supposedly per contract I would be provided a XXXX XXXX and a XXXX XXXX  assistance to get a job opportunity in the XXXX industry. It didnt happened and I was being ignored by the owner of that fraud place. All my emails & phone calls contacting the said place are being disregarded. I disputed to Chase that XXXX XXXX is a scam and didnt provided the services I paid for but Chase didnt give me a refund or credit. For that I would file a complaint against Chase Bank to the Consumer Protection govt agency. To the California atty General office and to the XXXX XXXX XXXX XXXX for failure to credit me against a dispute I filed and ruled out in favor of a scam Busihess like XXXX XXXX. Im requesting and hoping for Chase to reimburse me for the loss of my {$4500.00} out of my checking acct. I could not accept and live for the loss. XXXX XXXX yrs old and considered a XXXX who was financially scammed. Chase failed to protect me. I loss a job in XXXX for 4 months plus. I only worked temporary in the year XXXX. Plus the inflation is wearing the toll on me therefore Im requesting Chase to cover the loss I suffered or have the government agency tackle the issue. Please advise. Thanks. XXXX XXXX
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rozlin Financial Group, Inc. (TX)

I have had no business transactions with Rfgi ( rozlin financial group, inc ) and they are sending me repeated emails to collect money. I have never done any business transactions with this company. I dont have any contract with them. They have no legal proof or proof of review of any collections account by an attorney. They are harrasing me by sending multiple emails for the money which I never owe them. I dispute their claims that I owe them any money. I have never done any transactions with them. I dispute their debt claims.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The account has been continuously reporting which is reading the account. That is illegal. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX. In accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-01-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PDQ Check Exchange LC (UT)

Money4U was deceptive in their debt collection practices. 
I fell behind on my loan. Money4U spent 3 months attempting to debit payment from my checking account. Sometimes XXXX or XXXX times a day. At random times and days of the week.

They sent me a text message and an email on multiple occasions, offering settlement and repayment options, but when I responded they never responded back. 
The last time I messaged in I did get a response telling me I could avoid garnishment if I started on a repayment plan, but just received notice from my employer that a garnishment is set to begin. 
They also have threatened the same law suite multiple times but I was never served for any law suite .
Consumer complaint received 2024-01-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My husband bought a CD for {$100000.00}. in XX/XX/XXXX from Capital One Bank. The money was transferred first from XXXX XXXX from a joint account, then to XXXX XXXX from a joint account that was set up under a Living Trust, and then to Capital One Bank in a joint savings account. He then bought another XXXX for {$100000.00} in XX/XX/XXXX. He had thought that since it originated from the " Capital One 360 Performance Savings Account '', that the " Capital One 360 Performance CD '' was covered because my name was on the joint account, and it would be redirected back in there at maturity. He had XXXX XXXX and was doing XXXX XXXX and never saw any email the company later sent out, saying he could now add a beneficiary. He XXXX XXXX XXXXXX/XX/XXXX after finding out in XXXX that the XXXX had surfaced again -- -unknown until an XXXX  showed it. The CD 's were bought with the intent he was trying to get a better interest rate for me, to provide for me. When he died and I called Capital one to switch the CD 's to my name only, I found out that there was no beneficiary. I was in shock and in total grief at that time, and they asked me if I wanted to take his name off the joint account then. I didn't know what to do I was in shock and told them I guess so. ( mistake! ) If I had never called them to remove his name, nothing would have changed, and I would not be dealing with any of this! They said since his name was not on the joint account now, they could not put the money back in it. They won't act on anything that was set up! I corresponded by email since XXXX to them to the present, showing them the letter Capital One sent out that stated that my husband wanted the matured CD 's directed back to the account from which they came. The company states if it is not open, a check will be mailed out. I thought all was ok after receiving the letter then, because those were his wishes he set up with them. However, after they " escalated my case '', I waited 3 more months to get further answers and they told me their " risk team '' and " legal team '' says I need to go through probate and will not honor what was originally set up by him! We have a living trust and they will not honor that, even though any accounts that didn't make it in the trust are covered. This is totally wrong that they are not honoring what was set up when the CD 's were bought, nor that they will not honor our Living Trust which was set up to protect us! Furthermore, they sent out a 1099 showing my husband earning interest on that joint savings account, and sent me a 1099 also, just with my name only on it, and the same amount of interest!
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-03-14
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: EQUIFAX, INC. (TX)

I appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2021