davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Payments Check Services, Inc. (GA)

I have a negative account from this company XXXX XXXX XXXX for {$1100.00} it says the original creditor is 'XXXX XXXX XXXX XXXX ' on my XXXX and XXXX credit reports i do n't know where this is from whenever ive tried to contact the company to get verification of this debt i get no response ive tried disputing it to get verification of this debt in writing but still they refuse to comply i want this account removed off my credit reports as they can not verify this debt with me and never notified me about it i dont even know what this negative account is
Consumer complaint received 2023-10-23
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

I have been XXXX due to illness for XXXX years. One of the side effects is XXXX. I have damaged my teeth by XXXX XXXX. NO XXXX DENTISTS accept my insurance as I am an adult. I was due to have XXXX at the XXXX XXXX XXXX for a complete XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was unable to XXXX  due to the potential for harm. I went to a local dentist who said it would be XXXX,. They offered to run my credit through Care Credit and was approved for {$1800.00}. I declined and my mother paid in advance. Recently I have been attempting to go to back to work and restart my business. As I am on a fixed income, my future projections were not considered. My credit score is good. But due to limited income, they ran the credit which was good, but showed a high debt to income. When I received the report I saw that Care Credi released 86 % of the credit and shows I am delinquent. I have never used this and owe no money to them. It dropped my credit score from XXXX to XXXX, And I was denied. I am being discriminated against, to access my rightful credit. I have shown I am able to make the payments as pay no living expenses except for my phone, and XXXX loan, which I am about done paying for, and I have always been always on time. I also have a XXXX credit card for auto repair. It initially was XXXX and always on time, and double the amount. My student loans are paid. The negative medical bills were eradicated as it was due to improper billing.
Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (IN)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of XXXX XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXXXXXX XXXX Date XXXX XXXX XX/XX/2023.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MD)

My name is XXXX XXXX, I desperately need to file a complaint against CFPB, and SYNCHRONY BANK, I had a amaz9n store card through them XX/XX/XXXX I paid them off through XXXX  XXXX  XXXX, XXXX SENT A EMAIL ABOUT 3-4 YEARS AGO STATING IT WAS PAID OFF, I WOULD LIKE TO GO TO COURT ON THIS MATTER, OR HAVE SOMEONE CONTACT ME ASAP, ON MY CREDIT REPORT THEY PUT AS BAD DEBT, PROFIT AND LOSS WRITE- OFF, THEY CAME BACK EVERY YEAR AFTER THAT, ON MY CREDIT REPORT HARRASSING ME, CALLING ME, THREATENING ME, I WANT TO GO TO COURT OR SETTLE IT OUT OF COURT, THEY ARE A DISGRACE TO MY CREDIT REPORT, AND CAUSING DAMAGE, AFTER CLOSING IT FOR THE 5 TIME, OPENED IT UP AGAIN ON MY CREDIT REPORT XXXX, XXXX, XXXX, I WANT TO FILE A CLAIM AND MONEY FROM THEM FOR HARRASSING AND TRYING TO KEEP MAKING ME PAY FOR SOMETHING I ALREADY PAID OFF YOU CAN REACH THIS EMAIL OR CALL XXXX Sent from XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-02
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

According to the fair credit act section A1A you are required by federal law to verify the physical verification of the original sign consumer contract all accounts you post on your credit report otherwise anyone paying for the reporting services could fax mail or email in a fraudulent account I demand to see verifiable proof and original consumer contract with my signature on it that you have on file this accounts listed below your fails should possibly have verify these accounts has hurt my ability
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (PA)

I am writing concerning fraud protection provided by Chase. Earlier this year I purchased ( using my Chase credit card ) what I thought were name brand shoes from a well know brand. The site was clearly the same site I had viewed previously but showed a sale. With the rare sale I purchased the shoes. Over the next weeks when the shoes did not arrive I reached out to the retailer, but they did not have any record of my purchase. Instead it became clear through discussions with the manufacturer and email correspondence with the spoofed website provider that I had counterfeit product. I have confirmation that this is clearly fraud. Chase advertises fraud protection. Their investigation only confirms a payment was made through XXXX system. It was to a XXXX company that does construction. This was clearly a fraudulent transaction in which Chase refuses to honor their fraud protection. Their only excuse is that the payment was made to this other company. I have again and again pressed Chase to keep their word as well as the counterfeit retailer. Fraud protection is not fraud protection at Chase today. In my experience other card carrier has ever held back on fraud cover where there is true and clear fraud. I have also never put in a similar claim with Chase.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (MS)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (FL)

This is my fifth attempt since credit burea 's still have failed to respond to my previous disputes. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (CO)

My father passed away on XX/XX/12, he was not married and I'm the only surviving child. I have tried to contact the mortgage company several times to find out my options for the mortgage. I provided the death certificate, testamentary, and a copy of my drivers license the documents that were requested. I have spoken to several different representatives who have given me several different answers and still have not added me to the loan with the correct documentation from the courts. I keep getting the run around, the departments have no direct phone numbers or emails, and now this is 4 months later.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TX)

I am trying to have my visa  debit card opted out of the Visa Account XXXX program. Visa says to contact BBVA. BBVA has over an hour wait time every time I call. I have been unable to find a way to do it myself online. I have tried the web chat and been told the chat is not secure and unable to take any personal information. I have tried holding on the phone until the BBVA service actually takes me through their end of the call survey and hangs up. I do not want my debit card number automatically updated with anyone.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (MD)

First, you do not seem to comprehend or appreciate the frustration that my issues have not been resolved in a timely manner. Why does it take 6 months and a complaint to CPFB to resolve these issues? I also have some minor issues that need to be resolved but it doesn't seem to be worth the effort given the service I have received so far. 

There seems to be a systemic issue with Ameris bank in that the responses from Customer service do not address my issues. This is true in this response, or when I talk to customer service representatives either on the phone or through email. Ameris bank also presents the image that it is not really interested in responding to issues and only does so when the time period required by Federal Regulations for a response is close to expiring. 

You did not explain why a mistake was made in paying my real estate tax or what steps were implemented to ensure this does not happen in the future. What assurances do I have this will not occur in XXXX, XXXX, and beyond? I will just be in the same situation waiting six months or more and then having to submit a compliant to the CFPB. 
Based on the fact that my escrow account was not managed correctly, I would once again request that my escrow account be closed and any monies be refunded to me. Please do not delay in acting on this. It seems the least Ameris bank can do.
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (IN)

Here are the inquires on my credit report that I didn't authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24
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. (VA)

The following accounts were not authorized to access or report any of my credit information and should as such be removed immediately. The initial FTC report is attached. 

XX/XX/XXXX - JPMCB CARD XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX 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 2023-06-25
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: Experian Information Solutions Inc. (MS)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-06
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. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

Following up on my previous complaint, issues still persist in my credit reports, despite appreciation for efforts made to address fraudulent entries stemming from alleged fraudulent activity. Outstanding items still require attention, including unauthorized credit inquiries and incorrect personal information remaining in my credit file. I once again request the removal of these unauthorized inquiries and the correction of erroneous information, along with the issuance of an updated credit report reflecting these changes. Please forward the updated report to my address as provided in this complaint : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In accordance with Section 605B ( a ) of the Fair Credit Reporting Act, you are mandated to remove any items opened without my knowledge, consent, or authority within four business days, requiring ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a consumer statement affirming the information does not relate to any consumer transaction. I will provide my Driver 's License, Social Security ID, and Proof of Billing as verification of my sole address, alongside my new FTC report # XXXX.
Consumer complaint received 2023-05-25
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. (IL)

Why do you keep on closing my complaints saying that you already processed my earlier complaints about my problem? I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am asking an assistance to REMOVE these fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I Have been an a victim of Identity Theft for a few years now.. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (TN)

I took out a loan with advanced financial. After I began having difficulties with them taking out payments whenever they felt like it, I rescinded their right to debit any of my accounts. Verbally, over the phone, in writing, and on their website. They have continued to debit my accounts.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

XX/XX/2020 I discovered inaccurate and fraudulent information on my credit report. I contacted the credit bureaus that were reporting the inaccurate and fraudulent information.They continue to report the fraudulent and defaming information as of XXXX. They have yet to provide me with any validation of debt and my request for damages incurred.
Consumer complaint received 2024-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute the continuous reporting of a fraudulent account on my credit report by your bureau, despite XXXX XXXX compliance in removing it and validation of identity theft. This persistent reporting violates the Fair Credit Reporting Act. 
XXXX XXXX XXXX