davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX at approximately XXXXXXXX XXXX central time, I submitted a credit application through the XXXXXXXX XXXX retail store smartphone app with Synchrony Bank. 

I was not presented with the terms of credit that I was approved for and an account was open in my name without my permission or authorization. 

I immediately called synchrony Bank and asked them not to process the credit account opening and they told me that they would not do that.. the account was opened and that all I could do was close the account. 

I was very unsatisfied with the terms that were only presented to me after the application was processed for 29.99 % rate and only a {$1200.00} credit line. But I was not provided with a way to decline the offer of credit. 

This is an unfair deceptive act or practice ( UDAAP ) because I was not presented with clear terms for the credit account I applied for, n was I asked to accept the offer of credit prior to the account being opened in my name. 

I asked a gentleman who was named XXXX who accepted my call as 'the manager ' to cancel the opening of the account for the reasons stated above and he would not. I asked him to send me a letter proving the account was closed and he said he would send a letter. I also asked XXXX to file a formal complaint in synchrony bank 's complaint management system and I do not believe that occurred. 

XXXX was combative and did not assure me that there was a way to cancel the account without it being authorized by me. 

He was rude and seemed agitated that I was dissatisfied.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (PA)

I would like file an official complaint about the delays I experienced while working with GaranteedRate.com whe ; attempting to refinance/consolidation of my 2 mortgages loans with XXXX  XXXX XXXX & XXXX XXXX. I started the refinance process in mid XXXX of 2020 with GuaranteedRate.com and didnt close until mid XX/XX/2020. I provided Guranteedrate.com with all the required documentation such as paystub, W2s and bank statements on the very same day that Guaranteedrate.com asked for them on XXXX XXXX. I specifically want to file a complaint about lack responses from XXXX XXXX and XXXX XXXX. Their lack of follow up and limited knowledge of their own business led to me pay interest to 2 mortgages XXXX XXXX XXXX XXXX XXXX  XXXX for a longer period of time that what I should have. This money should have been applied to my new refinanced loan. XXXX failed to respond to emails and weeks went by in XXXX & XXXX of 2020 without me hearing from XXXX at all. Out of the blue, XXXX XXXX contacted me in early XXXX, she asked for paystubs, W2s and bank statements which I had already provided to guaranteed rate on XXXX XXXX. XXXX was clueless to the fact that I had already been working w XXXX for the previous 6-8 weeks. With a lack of progression on my refinance, I finally had to elevated to VP XXXX XXXX in mid XXXX. When XXXX contacted me, he apologized and offered no explanation other than he accepted responsibility than his team dropped the Ball on my refinance. I expressed to XXXX that these delays would cost me extra interest on my loans and I would never be able to recovered by me. XXXX completely agreed with me and he understood why I was upset. XXXX had XXXX XXXX assigned my refinance and she was very helpful and on top of it as she communicated with me regularly. XXXX XXXX who worked with me from the start to finish on this refinance, was an absolute professional and a pleasure to work with. 

For these reasons stated above, I would like to be reimbursed directly for extra interest I had to pay to XXXX  XXXX XXXX and XXXX XXXX  in the month of XXXX & XXXX as this should been avoided & paid to my new mortgage and not the 2 mortgages that I was getting rid of. XXXX  & XXXX XXXX  calculated the interest listed below. Please contact me with a resolution ASAP. -XXXX  XXXX XXXX XXXX  XXXX XXXX {$280.00} XXXX XXXX - {$82.00} XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX-XX/XX/XXXX2020 - {$130.00}
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/2022 I was scammed by a loan company that got into my chase account and put in claims for XXXX. Chase stated they did investigation. They did a reversal on funds then XXXX XXXX they took money back and closed my accounts. I spoke to XXXX and XXXXXXXX XXXX XXXX XXXX and they both stated that chase and recover the money. Fast forward XX/XX/XXXX I get a bill for {$1100.00}. I know I got scammed however Chase didnt due their job
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

Unsuccessful multiple attempts to lift a freeze with Experian using telephonic or website approach. There appears to be no " live '' personnel to answer the phone or lend a hand. I need to lift the freeze for an opportunity to obtain an FHA mortgage product. All of the requested identifiers were presented by either phone or internet. Experian refuses to lift the freeze on my credit and insists on a written request and mail delivery of neat copies of various cards and documents including social security card etc. This is unreasonable and interferes with my proceeding with a financial opportunity and can cause monetary damage to me.
Consumer complaint received 2022-12-29
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. (GA)

Equifax has claimed to have " verified '' the items I have previously disputed to be accurate and complete. 

However, when I pulled a new copy of my credit report, I noticed that the accounts and inquiries that I disputed are still there even though they are inaccurate and incomplete according to XXXX XXXX XXXX XXXX standards. I have attached letters with two forms of ID showing how exactly these accounts and inquiries i'm disputing does not meet XXXX XXXX standards. 

I can tell that a proper investigation has not been conducted by Equifax. As a result of this, it has caused me to experience credit and loan denials caused by the willful and negligent actions of this company. 

From my understanding, by not conducting a proper investigation, verifying inaccurate and incomplete information to be true, and causing me to suffer credit denials and financial harm due to willful negligence, this meets the requirements for a FCRA claim. I FULLY INTEND to either pursue litigation in civil court or file an arbitration claim with the XXXX XXXX XXXX if these errors are not corrected.
Consumer complaint received 2022-11-23
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-01-04
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: Avadyne Health Holdings, Inc (IL)

On XXXX  XXXX XXXX has an account listed that was opened in XX/XX/2014 this account is also listed on transition as well as a collection account from H & R accounts this account was opened by me however they had the wrong social security number when I called them and corrected the number they immediately closed the account and turned it over to H & R accounts a collection agency I paid off the account and have requested they remove the account information immediately they have refused, I feel that since this is paid and the error was theirs it should be removed completely.
Consumer complaint received 2023-02-02
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. (OK)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

So about 3- 4 months ago a little bit before XXXX i opened up an account with truist. The day i opened it i gave them my check and everything seemed to be fine. They said my debit card would be coming in the mail soon so i said great. I didn't have my phone when i was there so i had to log into my bank account on my mother 's phone so when i got home i tried logging in on mine. I must've got the password wrong cause it locked me out but then i remember either changing my password again or remembering the right one and it worked. Next day was locked out again and tried calling on the phone to get it unlocked and they said my account was locked due to fraud. Day 4 or 5 i get a letter in the mail saying my account has been closed and a check will be sent in the next week and if not to go to my local truist and get my funds. Four months later they've been giving me the run around back n forth with i have to go to the bank or the bank tells me to call. Finally a banker helped me n we sat on the phone with the main people who run the fraud services and basically what he told me was they have so many fraud cases and even though they've revived my case thet still can't give me my money. It's been four months and they can't even tell me when ill get my money.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This is 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 2021-01-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1400.00}, {$380.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$380.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
Consumer complaint received 2022-12-30
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)

Right now I am worried! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request ( BUREAU ) the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXXXXXX XXXX XXXX  CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3000.00}
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX, TRANSUNION, AND XXXX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS
Consumer complaint received 2021-01-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (ID)

XX/XX/2109, we had my daughter t the hospital. She is almost 2. 

The hospital sent bills, over and over with one listed as a XXXX. I called the hospital and talked to their financial people and they told me they didn't see that charge. I told them I have multiple prints of the bill with the XXXX listed. They told me they don't see that. 

I asked them to send me a bill with all the itemized amounts. They never did that. 

I tried to dispute it with the credit organization and nothing came from it. But, they did send me the medical bills and there WAS a bill with the XXXX that didn't happen.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

I have request that chexsystems remove this credit freeze from my report. I have mailed thoccasionsem my docs requesting removal of thier product. I sent them my documents on multiple occasions. They continue to disregaurd my rights. I spoke with XXXX # XXXX, XXXX # XXXX, I need this security freezed removed from my file. Now!
Consumer complaint received 2023-03-31
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. (VA)

I have disputed a settled debt that says I owe a balance. I called the actual company and they say I don't have a balance because it was settled. I file a dispute with Equifax and send in a copy of the letter of the settlement. They reported the same as the result of not getting in touch with the company. I called spoke to a representative at Equifax and asked if the company didn't respond, why is this still reported the same or at all. I thought the company has to respond within 30 days with accurate information or if not it is removed from my report.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (MA)

On XX/XX/23 someone, somehow fraudulently opened an IKEA Projekt Credit Card in my name ( I have never had an IKEA card at any point in time ). I didn't realize this until I was mailed an actual credit card along with a statement to my house on XX/XX/23. I called IKEA to report the fraud and asked that they close the account and report to the 3 credit bureaus. I also called the 3 credit bureaus, placed a freeze as well as opened a dispute with IKEA and the credit bureaus. I also opened a dispute with IdentityTheft.gov and even went to the police station to file a report for identify theft. I went to the post office as well to make sure no one tried to forward my mail. I have excellent credit ( XXXX ) and have never had a late payment or issue in the past. 

On XX/XX/23 I called IKEA back as it appeared from one of the credit agencies that the dispute was closed. I was informed that the account was closed on XX/XX/23 ( though I called on XX/XX/23 to have this closed ) and they said the account was valid so they had also closed the dispute. In speaking with the customer agent and asking them to re-open the dispute I wondered how someone could have opened this account in my name. She mentioned they allow for " virtual cards ''. I then went on the IKEA website and tried to walk through the process of how an account could be opened. Apparently you can pre-qualify for a card with just your mobile #, last 4 digits of an SSN and zip code. This is unbelievable! I told the agent that everyone uses this information to authenticate when you call into any customer service center. So anyone has this and can then go to IKEA.com and open a card. I believe this is what could have happened since there were only charges on that one day ( XX/XX/23 ) and then the physical card was then mailed to my house. I don't believe my SSN was fully compromised as there have been no other fraudulent activity on my credit report, just this IKEA card. This tells me that someone knew how easy it was to open a card with IKEA and it could have been any number of people who authenticate individuals with their phone number, last 4 digits of their SSN and address.
Consumer complaint received 2024-03-26
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, 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 The 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 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I applied for a credit card from Capitol One to build credit. I have never received the card.. I have called them many times bill about it, told the same thing, No one can tell me why I have never received the card. So now they are sending me a bill for a credit card I have NEVER EVER had or used. When I called I was told I had to pay the bill, it would show on my credit. I just received a bill for {$110.00} for something I have never had or used. The last time I called I was put on hold and no one ever came back to the call.
Consumer complaint received 2021-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I was in forbearance since COVID started. This bank kept calling me and calling me and I finally was able to pay what I owed. When I paid them, they said there shouldnt be any fees but on the day I sen tin my payment, they tack on a Property inspection fee. This was all on XX/XX/19. I have called twice and 2 agents told me there shouldnt be any fees and they will escalated but after a month since the fees was put on. Its still there and the bank agents just give me run arounds and escalate that goes nowhere. The fee is {$15.00} but its not the amount. Its the way they tack these onto unsuspecting customers. And this is after I ask them if there are any fees. I attached the screenshot of my payments. The fee of is on the same day I submitted payment. Even before this, the company kept calling me saying they cant extend the COVID forbearance even though its required by law. Yes. I have called them to extend and they said its extended. Then they turn around and require me to fill out one of their forms in order for me to be qualified. 

i do want to state I had this problem with another account and you guys fixed it. Hopefully you guys can reversed the amount here as well and make this a smooth process. Thanks in advance. I am not sure why I had to go through CFPB to have this resolve.