davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-14
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: SYNCHRONY FINANCIAL (WA)

In XX/XX/XXXX, someone stole my identity and used it to open a pay pal credit card issued through Sychrony Bank. I didn't find out about this fraudulent account until XX/XX/XXXX, during the underwriting process for a home loan to purchase my first home. This fraudulent account dropped my credit score by 250 points and the purchase of my first home fell through. Naturally, I contacted the bank, the credit bureaus, the police department and the FBI website ( www.IC3.gov. ).

I believed I had taken all the necessary steps to have my name and credit cleared of this theft/fraud. Today, I learned that an investigator for Synchrony Bank had denied my claim and closed the fraud case because Synchrony bank had sent a statement to the fraudulent person at their address, not mine, and that person then made a payment on the fraudulent account.

The investigator assumed since a bill was received and payment was made there must be no fraudulent action and closed the case.

Synchrony never updated their system with my actual information that I provided them when I discovered the fraud. Of course, whoever stole my identity is going to receive mail to the address they provided! My  credit has been destroyed, this company is the antithesis of helpful. I am homeless. My credit is destroyed and this makes renting and buying almost impossible. I am living with my parents because of the lack of accountability within this company.
Consumer complaint received 2021-03-19
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

About three years ago I attempted to assume grandparents estate because I am the estate representative and the home was willed to me. I filed all the appropriate paperwork and Bayview Loan Servicing/Community Loan Servicing denied me and would accept me as the representative although I had the official court docs. I filed case # XXXX and Bayview overturned the decision allowing me to begin the process. A few months later that modified the loan in 2019 and then told me they were supposed to make me assume the loan before modifying. I've spent the last 2 years going through the assumption process due to their delays. The loan was FINALLY assumed officially last year in XXXX, I signed paperwork for modification in XX/XX/2019 and yet I still have no modification paperwork. It's years later and the company has been holding all of my payments and has continued to charge me 3 years of fees for late fees, legal fees and fees for having to front the money. This is fraudulently being done at my expense! I've been paying them since they originally approved the modification of my grandparents loan. I am still 3years later not able to write the interest off on my taxes continuously see years worth of fees being allocated to me fraudulently! They owe me all the fees from the point that they denied my paperwork in error 3 years ago. I have a timeline of documents including the dates and letters from the modifications, emails with the assumptions department etc. This is unethical.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I was looking at my report and notice there were some things that was not correct. I sent a letter to XXXX but it has been more than 35 days since the credit bureaus haven't responded. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-03-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

Experian is reporting the account with XXXX  inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for Experian to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information Experian is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Consumer complaint received 2021-03-19
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. (NY)

To someone with the authority to rectify my problem, I have reached out to these corporations and they completely disregarded my correspondence I sent to them on XXXX XXXX, 2020. I havent received any responses from them once. My first correspondence was 79 days ago. After this experience I have done research and learned that Federal law requires corporations to respond within thirty ( 30 ) days ; again it has been 79 days and these companies are in gross failure of having an open line of communication with me about my situation. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. I rather not do this but at this point I am considering seeking litigation. Be informed that my information was compromised in the Equifax data breach and this may have caused the detrimental activity on my reports.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (NJ)

My bank card and account are administered by Wisely, ADP is the agency that handles the fraud complaint. 

I had XXXX unlawfully deducted from my account on XX/XX/2022. There were 3 withdrawals made in XXXX XXXX NJ, one for {$500.00} made at XXXX XXXX  est this was at a XXXX XXXX  located on XXXX XXXX in XXXX NJ. One for {$300.00} made at XXXX XXXX  est from a XXXX ATM located on XXXX  XXXX in XXXX NJ. One for {$180.00} at XXXX XXXX  est from the same XXXX ATM located on XXXX  XXXX in XXXX NJ. The times are important as you will see. My ATM card has a cash withdrawal limit of {$1000.00}, also important as you will see. There was also an attempt from a XXXX XXXX ATM located in XXXX at XXXX and XXXX on the XXXX of XX/XX/2022. 

I live 2 to 2.5 hours away from XXXX NJ and XXXX, I have never made any type of banking transaction anywhere near that area, and my card CAN NOT be used OUTSIDE of NJ without first going on-line and allowing out-of-state transactions to happen. 

I found out about the unlawful charges on XX/XX/2022 at XXXX est, and reported the unlawful transactions immediately. Calling the bank at that time. 

I was told to wait for a letter that I would have to sign and return. That " Statement of fraud '' was received via US mail delivery, on XX/XX/2022, I immediately filled it out and returned it to the email address on the letters as directed. 

We received a DENIAL letter on the XXXX of XX/XX/2022, alerting that " The investigation has been finalized and we've determined that there was no error. Records analysis indicated that no fraud has occurred as investigation results match the information on file. No credit will be issued. '' Upon receipt of the letter I called the bank and inquired as to when the investigation took place and was told that a determination was made on the XXXX of XX/XX/2022, and the letter was sent out the next business day. 

How could an investigation take place in the short amount of time from when I emailed the " Statement of fraud '' letter at XXXX XXXX  est on the XXXX, and the result of the investigation had been completed on the XXXX of XXXX? 

A TRUE investigation would have noticed that there was a withdrawal at XXXX, and then another withdrawal at XXXX, over 100 miles away, and takes 2 hours to drive to. Not to mention the XXXX withdrawal that I DID MAKE at XXXX should have been DECLINED for breaching the XXXX cash limit withdrawal PER CARD. I should have been notified on the XXXX that an attempt to use my card was made in XXXX which also breaches the out-of-state card notification. What kind of investigation was completed??
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2022-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Complaint On XX/XX/2022 sent out letter to Experian via USPS Certified Mail # XXXX # XXXX My purpose of contacting Experian was to properly address their violation of 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 ( B ) Reporting information after notice and confirmation of errors a person shall not furnish information relating to a consume to any consumer reporting agency- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, XXXX, inaccurate by reporting this transaction or experience ( charged off ) on my consumer report I have all document attached that are needed for verification along with my ID and proof of address. The response of the company was not acceptable by any means as it was clear to be a stall to disregard my concerns and demands Resolution A proper resolution would be to remove the charge offs from my consumer report I would like to enforce my rights of 15 U.S Code 1881s-2 and opt out of the reporting of this account to any third party 15 U.S Code 6802- Obligations with respect to disclosures of personal information ( b ) OPT out These are demands and I would hope that this is handled with good faith without any adverse actions to my account as we move forward in accordance to the law
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (TX)

Amsher Collections Services # XXXX is mistakenly reporting to my credit. I have called Amsher Collection Services and XXXX and both have failed to provide me with proof and verbal explanation of the alleged debt owed. In fact, Amsher representative states that they don't even have me in their systems. Futhermore, I have asked for an itemization for the alleged debt owed from Amsher & XXXX and have not received anything. I have been getting the run around for months in trying to get this matter resolved. Please delete this account from my credit ASAP.
Consumer complaint received 2023-05-05
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: Experian Information Solutions Inc. (KS)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute a specific account in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this remaining erroneous account immediately. 

XXXX  XXXX
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

We refinanced our home and the mortgage company sold our loan to Flagstar Bank. At the time our loan closed, our escrow was calculated based on the tax certificate which states that our property taxes are due on XX/XX/XXXX. Our first payment on the new loan was in XX/XX/XXXX. In XX/XX/XXXX we were informed by Flagstar that they conducted an escrow analysis and determine that we had a shortage, so they raised our payment to cover the shortage. The increase was {$120.00} per month. I contacted them to find out why this occurred. They explained that they paid our taxes in XXXX and the lower balance was in XXXX. I told them that the taxes are not due until XXXX, so paying them early should not cause me to be financially penalized. I filed a complaint and on XX/XX/XXXX I was informed that they had denied my complaint and that they would continue paying the taxes two months early and they would not correct my escrow. I again filed an appeal and they again denied it. So, I requested to withdraw my escrow funds so that we could manage our own account. They sent me a form and said that I could request the withdraw, but that they would charge me an {$800.00} fee in order to request the withdrawal. Since the problem with the escrow is caused by their mismanagement of the account and refusal to pay the taxes when they are due, it is absolutely unfair that they are charging me such a ridiculous fee to take my escrow and manage it myself. Basically, I'm stuck and they don't care.
Consumer complaint received 2022-03-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My employer changed payroll system at the end of XXXX and cancelled all direct deposits and issued late checks. 

Bank of America charged XXXX XXXX  monthly maintenance fee twice on XX/XX/2022 and XX/XX/2022 even I have brought up my balance higher than {$1500.00} as minimum balance for not being charged. 

I asked for courtesy refund of at least one of the two fees via customer service phone and only received A BIG NOOOOOO as an answer and barely even want to work with me. 

My other family members bank with XXXX ( Your competitor ) and had received 3 multiple courtesy refunds in one year for bank fees w/o even having to explain. 

I feel that Bank of America does not want to retain customer and is very EAGER to charge bank fees from customers. 

All I ask is for {$12.00} back ( it would be nice if you could refund both {$12.00} X 2 ) but all I am asking is {$12.00}. 

I feel sorry that for {$12.00} of bank fees, I will have to taint Bofa 's nae on CFPB website to be publish this description on consumerfinance.gov website.
Consumer complaint received 2020-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (KY)

The original lender XXXX XXXX- XXXX XXXX had closed the account on XX/XX/XXXX. Then sometime around XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, on XX/XX/XXXX XXXX posted Account was 30 days past due then on XX/XX/XXXX he put the account in collections which posted a derogatory comment on my credit report. Ive stated multiple times I never had any contract or binding document with XXXX XXXX XXXX. I have no recollection of this account. XXXX XXXX continues to add derogatory events to my credit report violating The Fair Credit Reporting Act. The US Federal Government Legislation enacted to promote accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. FCRA provides protection against the misuse and misreporting of an individuals credit information. XXXX XXXX XXXX has made false reports against my credit report causing serious damage to my credit portfolio.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The following debts below are not mine. Please note my name is XXXX XXXX XXXX and my phone number is XXXX as verified by this CFPB account to file this complaint. 

XXXX REMOVE THE FOLLOWING INFO FROM MY CREDIT REPORTS THAT IS NOT MINE : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX.. 

See evidence of my id SSN AND DL is enclosed
Consumer complaint received 2020-03-13
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. (NV)

These are not my accounts nor is this Chapter XXXX BK is mine. I have attached a letter. I am also a XXXX XXXX  XXXX XXXX Veteran in which I am exempt from all student loans. I have attached a letter for that as well.
Consumer complaint received 2023-08-16
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: Wallace Management Company, LLC (OK)

Im trying to buy a house & I realized I had damages on my credit report. According to the 15 USC 1681 Law. There should not be any damages in my report is a defamation of my character.
Consumer complaint received 2021-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The following accounts are not mines, these unauthorized accounts shall be removed from my credit file immediately. 

1. XXXX XXXX {$570.00} 2. XXXX XXXX {$810.00} 3. XXXX XXXX XXXX {$240.00} 4. XXXX XXXX XXXX {$180.00}
Consumer complaint received 2020-03-13
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. (NV)

These are not my accounts nor is this Chapter XXXX BK is mine. I have attached a letter. I am also a XXXX XXXX XXXX XXXX Veteran in which I am exempt from all student loans. I have attached a letter for that as well.
Consumer complaint received 2020-03-13
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. (NV)

I sent certified mail to XXXX, XXXX? And Equifax to provide information on XXXX XXXX, XXXX, XXXX which is showing 2 inquiries and all 3 companies are failing to provide me information on my hard inquiries and disregarding my certified mail
Consumer complaint received 2022-12-16
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: AMERICAN EXPRESS COMPANY (TX)

I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

I was working with XXXX XXXX ( NMLS # XXXX ) and Quicken Loans on a cash out refinance loan. I am currently in the process of shopping around for quotes. I easily received two loan estimates from two different lenders. When I asked XXXX to send me the loan estimate he was very hesitant and gave me a few reasons why he couldn't do that. I asked to have the loan estimate emailed to me so I could compare " apples to apples. '' At this point he continued to give more reasons why this was not possible. I ended the call asking him for his final and lowest rate. He eventually called me the next day from a completely different phone number than he had been using and did not mention that this phone call was being recorded ( as he had in our previous phone conversations ). In this conversation he told me that they could not work with me on this loan. This seems like a very odd way of conducting business and I was under the impression that once I gave name, income, address, SSN ; that I was entitled to a loan estimate within three days
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my other 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 alleged fraud or extortion. 



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