davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (NY)

In light of the Covid19 crisis under the mandate of NY, my retail business, cards & gifts has been ordered to close the doors to the public as a non-essential business. It has been three weeks today that we have not been allowed to make any walk in sales. In the meantime my credit card holder JP Morgan Chase. has decided, that even though I am currently out of business and not generating any walk in sales to continue to accrue interest. At this rate, with my business closed for the foreseeable future due to the NY mandate, the costs of the accruing interest may be in an insurmountable debt the will put my business with all of it's employees in peril. Even when we are allowed to open our doors again, it may be a long time before retail sales for a card and gift store return to a normal level. We have been in business almost 44 years now and have a perfect record in paying our creditors, our government agencies, our employees and our vendors.Please, please contact JP Morgan Chase to apply pressure to reverse this greedy, unattainable, unforgiving, lack of empathy policy,
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (IL)

In XXXX I opened an account with Discover. During the duration of being an account holder have had a good customer experience, even opened a checking account with this company. However, on XXXX XXXX Discover sent me an email requesting that I complete IRS form 4506-C to provide consent for them to retrieve my tax documents to verify my identity. When received the email my first reaction was to contact the number on the back of my Discover card to find out if the email was legit or a scam. Per speaking to a representative was told that the consumer protection department is handling my account and that this request is part of an internal audit they do. I was also told if didn't file taxes then to let them know, so could verify my idenity another way. The problem is everytime I make a payment that pays down my balance significantly Discover 's consumer protection department places a hold on my account and says they have to verify my identity. Discover has verified my identity, as well as income, when I opened my account, and each time they've previously requested additional information over the two year duration I have had my account. They even verified my graduation date, as my account was originally a student account. Discover 's practice of requesting customers to consent to them reviewing tax documents raises questions about the legality of the request, as well as, if this practice is discriminatory. Therefore, I will NOT be completing IRS form 4506-C to Discover as do not consent to them reviewing my tax documents. On XX/XX/XXXX contacted Discover to notify will not be completing IRS form 4506-C, and the only consent give is for them to close my accounts if they deem it necessary. When contacted Discover per their representative XXXX in Delaware would have to contact the department directly. I asked her just to transfer my message internally to the department and she stated she was not able to do that. If this is a legit request why can't Discover representatives contact this department to notify of a consumers refufusal to complete the requested form? Have credit cards with other companies and they have never asked for consent to review my tax records. As previously stated, " Discover 's practice of requesting customers to consent to them reviewing tax documents raises questions about the legality of the request, as well as, if this practice is discriminatory and needs to be fully investigated. ''
Consumer complaint received 2020-04-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I went to quicken loans and Rocket Mortgage to try to refinance my mortgage. I had just gotten word that my mortgage interest was going to increase so I wanted a new loan. I contacted quicken loans on approximately XX/XX/XXXX They said they could help me. In our initial contacts and review of loan I was told that I would not need to put any money down as closing costs. I would need to do an initial deposit for appraisals, etc. During the loan process and the appraisal things changed. I was constantly asked to prove I had XXXX which I don't have. I was then told that the appraisal came in lower so I would have to. I spent over, including the XXXX deposit, XXXX dollars in getting my house ready. I kept continuall y getting letters for proof of money. I finally called and they said I need the XXXX now because my house was appraised lower and basically they didn't think they could get me a loan now. At this time covid has happened and I am unemployed. I begged for my appraisal back. I would not have gone through this process if I was initially told I would need money down. I don't have any money to do that. They said it is through a 3rd party so no. They refused to give me any money back.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: K STREET FINANCE, INC. (CA)

Mullen Finance still has my account as a repossession after I have written to then and disputed this multiple times. 

I was completely caught up on my car payments when my car was towed for parking tickets. This happened right in the middle of covid while I was in a desperate situation as it was financially. While I was trying to come up with the money to get my car out of impound without working at that time, Mullen Finance decided to take my car out of impound. They were obviously allowed to do this legally because they were the owners of my car until my car was paid off. After the car was back in their possession, the only option given was to fully pay off the car along with all of the parking costs, totally around XXXX XXXXXXXX. 

I tried every avenue possible to get this but it was not possible given it was during covid. 

This has had a horrible effect on my credit or being able to finance a new car or anything else. 

I dont think this is valid as a repo for the fact that I was completely caught up on my car payments and especially because it was during covid.

During my time financing with Mullen, I had some months that were late but I always made them my first priority to pay even during Covid.
Consumer complaint received 2020-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STERLING BANCORP (NJ)

I called my mortgage company both last month and this month to discuss the fact that due to the Coronavirus, my wife lost her job and as such we've had to pay for continuing medical insurance out of pocket. When I called in XXXX on approximately XX/XX/2020 I asked what the procedure would be under the circumstances in the event I was unable to pay our mortgage. At that time the mortgage company informed me that the procedure is no different than if we weren't in the middle of a crisis and therefore they would send me a loss mitigation package and I would be able to complete to see if I qualify for a loan modification. Just the other day on XX/XX/2020, the mortgage company called me to discuss getting the loan paid up to date. I explained our financial situation once again to the representative over the phone and again asked about a 90 day forbearance as our state Governor has mandated this relief for homeowners without penalty. Our mortgage company is not following this mandate and instead is penalizing us by causing us to either enter into a strenuous time-consuming process of loss mitigation in order to " see if we qualify '', or, skip the payments and risk foreclosure action by them. By default, any homeowner in New Jersey that has a mortgage qualifies for this program. Why is my mortgage company taking a hard line with this with no repercussions to them? Very unfair and unjust in light of the current disaster situation we're in. We, as homeowners should not be placed in a precarious position for something we did not cause to occur. By the mortgage company sending me the loss mitigation package and having to complete it, it would create a hardship on us to get all of this paperwork completed and at the end of all that, we still may not qualify and next we'll find ourselves in foreclosure and possibly risk losing our home.
Consumer complaint received 2021-10-19
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. (SC)

On XX/XX/2021, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation 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 2020-04-10
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. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would  not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 

STUDENT LOAN CREDITORS : XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX XXXX
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (DE)

This is a problem with the Synchrony Bank. I had an account with Sam 's Club for a long time. Then they sent another card without notifying me which I never received. I could not get into my account online. They had mailed that card to an address in XXXX. I called and they closed that account and issued me another card. They same thing happened again. 

I opened a Lowes credit card account. The same thing happened with the Lowes account. 
Lowes also uses Synchrony Bank. The same thing happened twice. 

Today I received another email from Synchrony Bank about a Lowes account. I had to click on a link to open the letter. Again my zip code to open the letter would not work. 

I have not changed my address in over 30 years. I had to call the bank again to keep them from sending out a card in my name to an address in XXXX, Fl. 

I have plenty of credit and have had no problem with other companies or Banks
Consumer complaint received 2021-10-19
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: Affirm Holdings, Inc (GA)

Greetings, I would like to file a complaint against Affirm. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have called company on numerous occasions to take off the inaccuracies of my credit report and every time I'm giving the same answer that it is correct but I'm a victim of identity theft and my name was in three or more data breaches and I've been having problems with my credit since 2004 but I have not been able to get it resolved my credit is shot due to the identity theft and I can't get an apartment I can't get credit I can't do anything without these inaccuracies fix
Consumer complaint received 2021-10-20
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. (MD)

I XXXX, XXXX has been trying to dispute these alleged account on my consumer report for months now and all ive been getting back is to verify dispute. ive sent all the required documents for these accounts to be blocked and remove required by law pursuant to 15 usc 1681 ( a ) ( 2 ). Transunion is a An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Pursuant to the definition section in the FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from the consumer report. FCRA 15 USC 1681a ( d ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. These violations can result is a fine for violating my consumer rights law. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance your liable for up to {$1000.00} Each violation you committed. Also pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports I didn't give anyone permission to furnish my consumer report. The court didn't give you or the furnish the authority to furnish my consumer report. I the consumer didn't give you written instructions to furnish my consumer report if so provide the Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records.
Consumer complaint received 2021-03-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unifin Inc. (OK)

Recieved a letter from Unifin Inc. on behalf of XXXX XXXX XXXX XXXX in mid XXXX around the XXXX it was dated XX/XX/XXXX. I wrote them a letter of Debt Verification and mailed it XX/XX/XXXX certified to the address they gave. They have not responded and have listed it on my credit report illegally. I called them the day it was reported to my credit file asking them to remove the report until this was validated. The representative then hung up on me.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have called company on numerous occasions to take off the inaccuracies of my credit report and every time I'm giving the same answer that it is correct but I'm a victim of identity theft and my name was in three or more data breaches and I've been having problems with my credit since 2004 but I have not been able to get it resolved my credit is shot due to the identity theft and I can't get an apartment I can't get credit I can't do anything without these inaccuracies fix
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-04-10
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: CAPITAL ONE FINANCIAL CORPORATION (AP)

I submitted a complaint # XXXX. Capital One replied I had sent a black and white copy of my passport, but they needed a color copy. I called the company and spoke to THREE different people. They sent me a link to send a colored copy of my passport. The link was sent THREE times. I took the photo of my passport FIVE times. Each time I got the same result when I tried to send it. " THE SPECIFIED URL CAN NOT BE FOUND. '' So, I am sending a colored copy of my passport, a colored copy of my XX/XX/XXXXDrivers license AND a colored copy of my military ID card with this reply since the company would not take the black and white one. I need this resolved so I can get the refund of my plane tickets deposited back into my account. I brought new tickets and I need the money to pay for them.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (AZ)

Auto pay and bill pay would not go thru for payment. Mailed in payment but it was returned to me. 

Reached out to company to advise that I switched financial institutions to make sure payments could be received thru auto pay and bill pay. 

I was told account was cancelled and threatened to make the payment by the XXXX or account would stay cancelled. 

I informed representative I could go to any authorized XXXX location to ensure payment was received in timely manner. 

I was then told that my payment would be taken and I could reapply for the accounts to be opened.
Consumer complaint received 2020-04-10
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$61.00}, {$0.00}, {$1700.00}, {$760.00}. 
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 Laending 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 XXXX XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, 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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$61.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS -- XXXX. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account.