davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (OH)

I am writing to request the removal of a debt entry from my credit reports. 

Account Details : Creditor : JPMorgan Chase XXXX : {$4300.00} Account Number : XXXX JPMorgan Chase has written off this debt, and I now seek the deletion of this entry from all three major credit bureaus. In light of the recent financial scandal involving JPMorgan Chase and XXXX XXXX, which led to a substantial XXXX, it is in the best interest of JPMorgan Chase to avoid additional negative publicity by addressing this matter promptly and fairly. 

I expect this entry to be removed from my credit reports without delay. If necessary, I am prepared to escalate this issue to ensure my rights as a consumer are upheld.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OR)

Application for Lowes Advantage credit card, was denied, and company will not give reason. 

I applied online for the card on XX/XX/2023, denied credit card. I called on the day of the application, and would not be told of the reason, but was told I would receive an email and USPS mail giving the reason within 7-10 business days. 

Was sent an email ( XX/XX/2023 ) that said I was denied credit. The email had a link that can be clicked to find reason. The email does not have any phone contact information in it ( only address of credit card company ). It says " Thank you for your recent XXXX 'S credit request. Please click the link below to view our response to your credit request via our secure site. '' The link goes to the following website : XXXX XXXX XXXX  XXXX & XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Clicked on link, which went to a web page that asked for 4 questions to be answered. 
1 ) Reference Number 2 ) Last 4 digits of your social security number 3 ) Zip Code 4 ) Date of birth. After entering the information, I get the following error message : " The information you provided does not match our records. Please use your browser 's back button to try again. ". 

When this failed, I called the credit card company and request a reason for denial. They said that I would receive a letter in 7-10 business days and that they could not give any information over the phone. I never received a letter. 

I called again on XX/XX/2023 XXXX. I asked for reason, they would not tell me over the phone. He suggested I re-apply. I told him I did not want the card any more, I want to find out reason for denial. He refused to tell me anything on the phone. I asked if he could give me details on the application ( to see if I did a typo ). He was willing to verify the mail address, but refused to give any other information on the credit application. 

He said he has requested to resend the letter, and I should receive it in 7-10 business days. I read that the company is required to give the reason if requested within 60 days. I am filing a complaint ( instead of waiting another 7-10 business days ) because every time I call, they say wait another 7-10 business days. I've waited for over a month, so I am now submitting this complaint. 

Because they continue to refuse to give me any information, I do not know why I was denied credit, whether is was something in my credit report, or if it was something in the application itself, such as a typo or missing zeros in the submitted gross wages.
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (FL)

When I supplied a copy of the FTC report, it was determined that credit bureaus are not obstructing records. Because it is required by FCRA regulation 605b, I am delivering this Complaint to assist in laying out a legal response. If you choose not to impede the following items listed beneath they are responding incorrectly as a result of fraud. The following items must be removed from my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2015-11-25
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NJ)

I use my bank 's automated bill pay service to pay my monthly minimum for my Amazon XXXX Credit Card issued by Synchrony Bank. My due date is the XXXX and my minimum is {$50.00} to which I add {$5.00} for a total payment of {$55.00}. Synchrony receives this payment on the XXXX of each month. In the month of XXXX ( likely due to the holiday weekend ), my scheduled payment failed to process on time. My bank notified me of the failure so I made a one-time payment on Monday, XXXX XXXX through Synchrony 's website for {$55.00} dollars. The payment was 1 day late. When the billing cycle ended on XXXX XXXX, Synchrony assessed a fee of {$25.00} for the lateness. This fee seems to have been added to my minimum monthly payment for a new required payment of {$76.00}. I did not notice the increase. 

On XXXX XXXX, my bank processed my regularly scheduled {$55.00} dollar payment. Because it did not meet the new minimum, I was assessed another fee of {$35.00} for lateness. This cycle repeated itself in XXXX, XXXX and XXXX for a total of {$160.00} in fees and a minimum monthly payment for XXXX totaling {$200.00}. Synchrony bank made no reasonable effort to contact me about the delinquency on my account until XXXX when their collections department reached out by phone. I was receiving a regular monthly statement via email but because the payments are automated and were going out as scheduled and because the emails did not mention any problem with my account that would warrant further investigation, I was not aware of the issue. By the time Synchrony called, they had already assessed four months of late payment fees and were seeking a {$200.00} payment to bring my account current. 

While this lack of communication is atrocious customer service on Synchrony 's part, my complaint centers around what I believe to be an instance of illegally pyramiding fees. As I understand our regulatory laws, a credit card company can not apply your payment to a fee first and a minimum monthly payment second so that the amount can not satisfy the minimum monthly requirement and cause the customer to incur yet another fee. Since I continued making on-time payments that satisfied my minimum payment less fees, it seems to me that I should not have incurred additional late fees after XXXX. During this time, no new purchases were charged to the account that would have otherwise affected my balance and minimum monthly payment. The only change that can account for increases to my minimum monthly payments are the fees Synchrony added to my account. 

Please apply your legal expertise in this case. If Synchrony is not in compliance, I seek a refund of all fees incurred after and as a result of the XXXX late fee and a return of my minimum monthly payment to {$50.00}. I have reached out to Synchrony bank and they agreed to remove XXXX the fees but refused to lower my monthly payment for XXXX and could not guarantee that my minimum monthly payment would return to previous levels in XXXX.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, Effective XX/XX/XXXX my student loan balance was waived through the XXXX student loan servicing provider under the Public Service Loan Forgiveness Program. 

The problem is XXXX has not reported that my student loans have been forgiven to all of the credit bureau reporting in the United States including XXXX, TransUnion, and XXXX. 

I emailed XXXX through my online account on XX/XX/XXXX asking when XXXX was going to report this new financial information to the XXXX, TransUnion, and XXXX. 

Their response is they report every 30 days, but I have not seen this change or update on my credit report. 

I would really appreciate it if XXXX lets XXXX, TransUnion, and XXXX know that I no longer have this debt. 

Thank you, XXXX XXXX, XXXX.
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I refinanced my house through XXXX XXXX and they have sent two wire transfers to Specialized Loan Servicing to pay off Account # XXXX first wire transfer Amount : {$130000.00} USD XXXX Reference : XXXX second -Wire trasnfer Amount $ XXXXUSD _ XXXX Reference : XXXX for Specialized Loan Servicing Account # XXXX Specialized Loan Servicing is holding to this moneys and haven't credited my mortgage account and are showing my account with two months non payment. 

Next Payment Due : XX/XX/XXXX Amount : {$1300.00} PRINCIPAL & INT PAYMENT : {$1100.00} CURRENT ESCROW PAYMENT : {$210.00} TOTAL MONTHLY PAYMENT : {$1300.00} AUTOMATIC PAYMENTS : LAST PAYMENT RECEIVED :XX/XX/XXXX ESCROW BALANCE : {$680.00} PRINCIPAL BALANCE : {$130000.00} XXXX
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (AL)

Midland Credit Opened XX/XX/2020 XXXX XXXX I do not recognize this lender or credit company that has a collections on my account. Also, they keep increasing the amount of money monthly that they claim I am responsible for.
Consumer complaint received 2023-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reached out serval times asking for them to verify this info still haven't done it. I asked what method did u get this from please send the original purchase agreement to verify this debt of {$11000.00}, {$4700.00}, {$10000.00}, and {$10000.00} no action has been taken since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2023-03-04
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. (CA)

This complaint is my follow-up complaint in line with my previous complaint dated XX/XX/XXXX. I was going through my records & noticed many information or items which do not belong to me. Please block/remove these items due to their erroneous status. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX po box XXXX XXXX XXXX CA XXXX XX/XX/XXXX po box XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-29
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. (VA)

with the XXXX credit bureaus on my credit report on inaccurate information. I have sent XXXX dispute and verification of debt letters to the credit bureaus of the unverified debt. specific accounts such as XXXX, XXXX, XXXX, and other debt collections have not verified that I owe the debt. The XXXX bureaus have not provided me with the documentation that qualifies as verified debt. I have asked for the contracts or purchase agreement information from the debt collectors. Because I have never voluntarily agreed with any of these companies. I have also sent letters to the credit bureaus to remove all inaccurate personal information from my credit report. Including old addresses, telephone numbers, employers, and any other personal records about my personal information. It has not been done at all. I pulled and printed my current credit report as of this date today XX/XX/year>. I've demanded in multiple letters to update the information because the information is incorrect. I have asked for proof under the law proof of the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX XXXX, XXXX. Because no proof of the alleged debt was being provided. My credit report is completely inaccurate and out of date. And they are not updating the correct information. XXXX XXXX ADDRESSES, PERSONAL INFORMATION SUCH AS EMPLOYMENT, AND INQUIRIES OF MY CREDIT REPORT WITHOUT MY PERMISSION THAT AFFECT MY CREDIT REPORT HAS NOT BEEN REMOVED.
Consumer complaint received 2023-05-06
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. (WI)

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
XXXX, XXXX, ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance : {$88.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX {$9800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX GA XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal informa tion reporting on my Credit Report : XXXX XXXX  Date Updated : XX/XX/2013 ; XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2018-06-03
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: Experian Information Solutions Inc. (MO)

I have disputed the following fraudulent inquiries on my credit report but yet the credit agencies are still reporting and marking as updated, even after I reached out to each company individually, claiming that its all on the credit agencies. However, in accordance with FCRA if one is not provided physical evidence then the accounts should be removed. The following inquiries being disputed are, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX / XXXX, XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2024-02-29
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. (IL)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2017-07-15
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Acceptance Solutions Group, INC (TX)

Someone called my job yesterday, stated the company name, and asked to speak to me. Stating the company is already too much. My job does not even allow personal calls, which is looking bad on me. If I lose my job, I will definitely seek legal action against this company. They wrote everything on a sticky note and left it on the desk. STOP CALLING ME, ESPECIALLY AT WORK.
Consumer complaint received 2023-07-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$240.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$300.00}
Consumer complaint received 2019-12-05
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 {$2500.00} 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 ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a credit limit of {$2500.00} -This is not my account.