davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-02
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. (MA)

My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.
Consumer complaint received 2021-07-01
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: Santander Consumer USA Holdings Inc. (GA)

This account was for an auto loan that was refinanced more than 2 years ago. During the refinance process I was told that this auto loan would not appear on my credit profile after it was refinanced with XXXX XXXX. Currently, I have two auto loan appearing on my credit profile and I was told by Santander that I would not continue to see reporting for them. My current auto loan is with XXXX XXXX, not Santander.
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank not processing my payoff payment for a QVC credit card. payment was due XX/XX/XXXX. paid the balance off using a new checking account and then when it was rejected I used the savings account. Both rejected. Routing number and account numbers were correct. First paid on XXXX then paid on XXXX, then again on XX/XX/XXXX. all were rejected. there is more than enough money in my account to cover this. When I contacted my credit union they told me no payment had ever been submitted, because if it had they could tell me what went wrong. I called synchrony on XX/XX/XXXX wanting to pay with a different bank, but because the balance said XXXX they wouldn't let me do it. So, now they have imposed a XXXX dollars late fee on the account. I have a message from my credit union telling me no payment had been submitted. These are very poor business practices. Now it will be a ding on my credit report and I didnt do anything wrong. I do not owe a late fee. I have reported them to the FTC and will also report to the XXXX XXXX XXXX. Ps this account was never delinquent, payments were always made now they close the account because I opened a HELOC to pay off all my bills.
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

Comenity has some kind of scam going on. I placed an order with XXXX XXXX, and as soon as I received the bill I tried to log on to pay online. 
Repeated efforts failed due to their supposed " technical difficulties ''. I had to order paper checks to pay by mail, so of course I missed the due date. 
The next month, I got a bill from XXXX XXXX with a late fee of {$45.00}. 
Needless to say, I refused to pay for their " technical difficulties ''. 
They have done nothing but harass me ever since with endless phone calls and monthly bills racking up {$45.00} a month for XXXX months now. 
They suggested I write to them to dispute which I did. Still the endless phone calls won't stop. 
XXXX XXXX is of no help. They have lost a customer.
Consumer complaint received 2021-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (FL)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-07-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: U.S. BANCORP (NV)

The XXXX XXXX XXXX location forced me to go with a higher interest rate despite me securing a loan through the bank of my choice at the time purchase on XX/XX/21. I had initially authorized them to look for other interest rates but nothing was better than the one offered by my bank and I expressed my intention to use my bank. 

When I returned the day after to give the title for my trade in, I even confirmed with them that I would be bringing the check from my personal bank upon receipt. 

When I got the check, I attempted to bring it to the office at the same time that I picked up my green slip and the person present refused to take it. They repeatedly evaded me paying them with the check from my preferred bank and said nothing of the other loan. They simply claimed that finance wasnt available or that I would be contacted to finish payment. I did find out until I got the bill for the loan that they secured in the mail today. 

I contacted bank that they used ( US BANK ) and they informed us that the loan ( which has an interest rate FIVE TIMES higher than the loan from my bank ) could be canceled BY THE DEALERSHIP. They will not allow us to cancel it and the dealership refuses our payment because the loan is intact. 

The dealership refuses to take the steps to properly handle this debacle that theyve created and I will be forced to refinance with my bank and to eat the interest charges for the month that I wasnt even aware of this loanss existence.
Consumer complaint received 2021-07-01
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. (CA)

I have several student loans open with Dept. of Ed/XXXX. I am currently in school still. I've made several attempts to dispute inaccurate information on my credit report with the company itself and credit bureaus. They are reporting different information to each of the three bureaus, so nothing matches across the three bureaus. They are reporting late payments that don't even make sense. The account goes from good standing to all of a sudden 90 days past due within a 30 day period in XXXX of XXXX and as well as in XXXX of XXXX. They state they were trying to contact me to make payments but the phone number they had on file for me was a phone number from Texas and I have never lived in Texas or have been associated with anyone in Texas. I have proof of my credit reports they are reporting inaccurate information across all three bureaus and none of the information matches, however, every time I dispute the information it comes back verified. I'm unsure how the information could come back as verified when none of the information matches or equals up correctly.
Consumer complaint received 2021-01-12
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXX XX/XX/XXXXL add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2021-07-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX XXXX  ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tesani Management Inc (UT)

I contacted this company to attempt to settle 2 different debts. I attempted settlements and one was not accepted and one was. I made one payment to XXXX XXXX to distribute to the two companies. Later both accounts were still reporting on one of my credit reports. I disputed the reports with the credit companies and they kept coming back unchanged on one of the reports yet was completely removed by the other company. I called back XXXX XXXX to ask what happened. After a conversation that revealed the misdirected payments, I requested they pull my call and review. They never called me back with an explanation of what happened. I then emailed the company to request the same thing. No response. I am trying to do the right things as best I can to take care of it, but then this happens. They are preventing the progress I am making by careless errors.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

I noticed a charge on my credit card statement that I did not make or authorize anyone to make this unknown charge of {$550.00}? Upon noticing this charge I called the credit card Company Chase before my statement even came in. 

They closed my credit card and issued me a new card. Then I received a letter from Chase card services saying that they confirmed my transaction is valid. 

How could this transaction be valid again since I didn't make or authorize anyone to make this charge. The weird thing is my card was still in my possession at the time. .This was reported right away, before my statement was sent out. I frequently check my statement online for reviewing. 

It was to some concert event that hasn't even been held. Because I tried to resolve this with them directly and was told to contact my credit card. I been making several calls for help and was told about the Fair credit act?? Max responsibility for me would be {$50.00} How do I get Chase to protect me as a credit card holder, when someone got hold of all my information. Please help to assist me. Thank you
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WA)

I booked a room and when I entered the room it was disgusting! Rips in the couch, brown sheets that were once white, electric wires hanging from the wall, cabinets zip tied shut. When we tried to get out money back for the room the property manger went crazy and was verbally abusive. They refused a refund and charged our card again the next fraudulently. Discover would not dispute the charges and failed to protect us as promised.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (WA)

I had approximate XXXX balance with a limit of XXXX. 

I paid the account down XXXX so I could charge a medical procedure. 

Care Credit/Synchrony usurped the XXXX payment and disallowed me from making a charge above the prior amount available of approximately XXXX. 

I have sent them a message asking about this, and I received an answer that did not address my concern. They wait time to speak to someone yesterday was over 30 minutes. 

I believe they are acting illegimately.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

On XX/XX/XXXX XXXX Recently, I did an investigation on my credit report which caused XXXX XXXX upon me finding unverifiable, Invalidated, Inaccurate, and questionable items that the agency didn't make sure it was reporting 100 % correct. On XX/XX/2017 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " they do not report bankruptcies to anyone. " So if that's the case.How did the credit bureaus verify the bankruptcy as 100 % accurate. they never did a fair investigation to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information consumer '' s character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, his information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

they also violated my rights numerous times.

the credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MD)

Ive sent a dispute to experian and XXXX on XX/XX/2021 and followed up with a second letter that was sent on XX/XX/2021. I have not got response nor receive a response by mail. The late payment for XXXX XXXX, XXXX, and XXXX XXXXXXXX needs to be removed immediately since its been 30 days and also reporting different dates for late payment.
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I made an account with Coinbase Pro on the XXXX of XXXX and you invested about XXXX XXXX  into my account. However, I got an email on the XXXX of XXXX saying my account in under review. Since then, I am unable to trade on my account and also unable to get a refund of my amount back into my bank account. I have contacted the customer support multiple times on their website and on XXXX and I have received no solution or a reply. Its been 2 months and no action has been taken. This company seems like a scam.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, 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. (TX)

You are in direct violation of the fair credit reporting act ( 15 U.S.C 1681 section 602 A. Clearly states that 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 an 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. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I was given 2 American Express Reward Cards upon my retirement on XX/XX/XXXX. One in the amount of {$1000.00} ( XXXX XXXX XXXX ) and the other in the amount of {$500.00} ( XXXX XXXX XXXX ). The cards were set aside and unused. When I decided to use them it came to my attention that they expired on XX/XX/XXXX. I called American Express to get them replaced and they indicated that these are SWEEP cards that effectively are use it by the expiration date or lose the money. On their web site there are several reward card agreements and the majority of them do not have a use it lose it by date. The cards have no information on them that indicates they are a SWEEP card. 
I spoke with several customer service representatives on XX/XX/XXXX and they all informed me that while it is clear the cards were never used, they will not replace the cards and effectively American Express is keeping the money. These cards were acquired in California and I do not believe this action is legal. I find it hard to believe a large company like American Express would stoop to this level.
Consumer complaint received 2023-03-08
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. (NJ)

In according with the Fair Credit Report Add this creditors reporting late payment on my credit report have violated my right under 15 U.S.C.-1681 section 602- say I have the right to privacy 15 U.S.C. -1681-6048-section 2- confirm a consumer reporting agency can NOT furnished on account without my writing instruction. Under 15 U.S.C. 1666 B. creditor my not treat a payment on a credit card account under an open a consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

We recently paid off our Texas home and at closing we had an overpayment as well as escrow balance of roughly {$3700.00}. Chase informed us they would be dispersing a check for this amount immediately after closing on XX/XX/XXXX it would take roughly 7 to 10 business days for us to receive the check after XXXX business days we called in to ask when we should receive the check as we still have not received it. They stated that they could add the funds directly into our Chase business account and it would take one to two days to process. XXXX days after not receiving the funds again we called in and were informed that they could not process the funds into a business account. It had cut another check to be here no later than Wednesday, XX/XX/XXXX. After not receiving the funds by Thursday the XXXX we had called in again and spoke to an escalations manager to informed us the check would be here no later than the next day Friday, XX/XX/XXXX. We just got off the phone once again today, XX/XX/XXXX with another escalations manager, who informed us they would cut another check, which would likely take an additional 10 business days to receive. At this point it seems Chase has no intention of actually dispersing our funds back to us, and is unwilling to make any accommodations to give us our owed money.
Consumer complaint received 2021-07-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Theyre stating they have written more off on the account than whats actually settled Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2600.00} Highest balance {$1700.00} Terms NA On record until XX/XX/XXXXXXXX XXXX