davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I have called XXXX 8 times of the past few months. The month they reported I was late is not correct. The account was setup the month prior at the last payment. I knowingly changed it to auto pay as I had XXXX the following up and did not want to worry about missing a payment. I check my credit and they reported it being late. Furthermore they stated the account is reported on the XXXX, the XXXX at midnight. I checked the account again and they have failed to report the correct balance. This has gone on for several months and I can not express how frustrated I am. I am a XXXX vet with a very tight budget. I had a few heath issue arise and used them to boost my credit. They are trying to hurt my credit! I have plans on purchasing a new house and land the first of the year and now they have hindered my ability to do so.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (MD)

Signed up for a Synchrony credit card through a contractor. Was told that if I set up autopay it would take care of the balance before interest hit. I set up autopay and let it go. Interest hit and has been accruing, called to try and settle for the promotional amount and was told the only way they would do it is if I let the account go 3 months delinquent, which is not what I want to do.
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

I was ruined by Covid-19, and for a long period of time I was using my savings to maintain my payments on credit cards. Eventually I just ran out of savings and making payments were not possible. However, I was hoping that your financial institution would eventually sell off my debt to a third-party debt buyer. Or at least make an offer in compromise to resolve the account. That has not happened. Accordingly, I am reaching out to see if a reasonable offer is possible. I have no other recourse but the reach out through the Consumer Financial Protection Bureau ( CFPB ). I do realize that bankruptcy is an option, but I wanted to see if there was an alternative. Please reach out to me through the CFPB. XXXX XXXX
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

My attached XXXX report of XX/XX/2022 shows 2 accounts which have inaccurate payment and other data as no data has been reported since XXXX and XX/XX/2022. Both accounts are CLOSED and I have made more than 6 monthly payments on each account after furnished stop reporting to XXXX. Both accounts are inaccurate as furnisher failed to report the accounts as CLOSED by Consumer. One account still is inaccurately reported as XXXX in willful violation of the FCRA. Since my credit report does not reflect at least 12 monthly payments since reporting was abandoned going back to XXXX, I dispute the data in my credit reports. XXXX and furnisher knew the data is incomplete and inaccurate but grossly failed to comply with the FCRA obligations and prohibitions by allowing inaccurate and stale data to remain and failing to mark the accounts as CLOSED By CONSUMER. Once a furnisher stops reporting, there is a presumption of inaccuracy and abandonment of a right to report and every CRA must automatically DELETE stale reporting files. My accounts must be Deleted and in the interim reported as Disputed and Closed by consumer.
Consumer complaint received 2022-11-02
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: OneMain Finance Corporation (GA)

A potential employer made me aware that my credit report is showing charge off amounts for One main financial, XXXX XXXX XXXX and XXXX XXXX. I've paid the loans I've previous had and have the proof that they were paid for the XXXX 2 companies listed. I have no affiliation whatsoever with the third company. This error is showing on my report and is making it difficult to move forward with possible employment.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

I am XXXX XXXX XXXX  advocate She passed away XX/XX/2020. 
I sent in 3 reports with XXXX XXXX and all pertinent identifying info to each credit agencies now 6 weeks ago to freeze here reports.i received a credit report from experience but nothing else from the other two with no credit freeze info industry acted. Useless. 
My name is XXXX XXXX XXXX her roommate and I have POA. Sent in a copy of this also. 
What a response and credit freeze applied. Have cancelled all her CC etc.
Consumer complaint received 2023-06-28
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (UT)

I received a cash check of XXXX on XX/XX/2023, from a car dealership. At the time, I had to leave the States, so I asked a very close friend of mine that is in the States to help me cash the check. 

We have called a Chase branch in XXXX multiple times to confirm that it is ok for him to deposit the check into his account for me as long as I write a line that says " payable to xxx ( his name ) -- xxx ( My name ). '' After he deposited the check, Chase bank suddenly told him that they had to lock his account because they had to call me to verify that I had approved him to cash the check for me, but there was another problem. The bank says, from their internal system, they can not associate my phone number with me, so they can not call me for verification. Now his chase bank account has been frozen, and the money has been locked. 

The bank says we have to verify the money within 10 business days, or they will have to close the account and suspend the money. The problem is, there is nothing I can do to make their " internal system '' verify that my phone number is linked to me, the phone number that I used when I open a chase bank account. On top of that I am currently overseas right now so I can't even receive any phone calls from the States.

If there is a problem like this, the bank should tell us at the very first beginning. Instead, now they are making the problem trapped in a loop like this. We had confirmed multiple times before we made this deposit, but they are now making it like it is our responsibility.
Consumer complaint received 2020-08-17
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. (NY)

FEMA/Treasury grant from Hurricane Sandy Flood Disaster from XXXX converted to a loan illegally in XXXX and at an interest rate of 40 % in bad faith showing on my credit report as delinquent. Which is in correct because I am in court with legal disputes and also making paying every month from my USA Treasury check as dispute continue. There is a legal court document granted against FEMA/Treasury signed by a Federal Judge. There is also medical necessity and sufficient proof from supporting papers that there is a major violation of Federal Truth in Lending Disclosures Act and credit reporting act under FTC law.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

FEMA/Treasury grant from Hurricane Sandy Flood Disaster from XXXX converted to a loan illegally in XXXX and at an interest rate of 40 % in bad faith showing on my credit report as delinquent. Which is in correct because I am in court with legal disputes and also making paying every month from my USA Treasury check as dispute continue. There is a legal court document granted against FEMA/Treasury signed by a Federal Judge. There is also medical necessity and sufficient proof from supporting papers that there is a major violation of Federal Truth in Lending Disclosures Act and credit reporting act under FTC law.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

THE FCRA states that any inaccurate or non factual information on a consumer credit report should be removed from the credit report. I have found non factual information listed on the following collection accounts and want these collection accounts removed from my credit report. FCRA also states that I can file a lawsuit for damages if laws are broken as well. Collection Accounts can not be considered OPEN accounts. XXXX XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX  XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information. PLEASE REMOVE. XXXX XXXX  XXXX is listed as an OPEN ACCOUNT and the and date opened is inaccurate as the other 2 credit bureaus list different information.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Requested May Covid relief on XXXX XXXX, was told on the phone it'll be apply to XXXX statement, instead Amex charged interest forXX/XX/XXXX-XX/XX/XXXX statement.
Consumer complaint received 2022-11-05
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. (NV)

15 U.S. Code 1681i - XXXX in case of disputed accuracy there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 



i need accurate data points 15usc i1681i this can not be 60 days past due, the payments were deferred for 6 months, this needs to be corrected XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary XXXX TransUnion XXXX Last Updated XXXX, 2022 XXXX, 2022 XXXX, XXXX  Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency 60 days past due 60 days past due No update received Balance {$30000.00} {$30000.00} {$30000.00} Credit Limit XXXXYEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS
Consumer complaint received 2020-04-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1. XXXX XXXX XXXX XXXX applied through Bank of America for a loan through the XXXX XXXX XXXX on XX/XX/XXXX. 

2. On XX/XX/XXXX, I received an email from BOA stating they were ready to receive my documents. Bank of America provided, via XXXX XXXX XXXX, a portal to a document containing instructions. The instructions stated that there were three different sets of requirements based on the type of business. The types of businesses were : ( a ) Organizations with employees who file Tax Form 940 ; ( b ) Documents for Sole Proprietors or Self Employed, Who do not file tax form 940 ; and  ( c ) Documents for All Other Small Businesses. 

3. XXXX XXXX XXXX XXXX, a nonproft corporation, does not file Tax Form 940. 

4. XXXX XXXX XXXX XXXX, is not a sole proprietor nor is the organization self-employed. 

5. Therefore, we provided documents consistent with Category 3 - " all other small businesses. '' 6. Category 3 only requires : " Form 1099-MISC for XXXX, for services rendered as an independent contractor Bank of America XXXX XXXX XXXX XXXX XXXX ( located in your Bank of America XXXX XXXX folder ) '' 7. On XX/XX/XXXX, I uploaded the Bank of America XXXX XXXX XXXX Application Addendum, as completed. 

8. XXXX XXXX, XXXX,. did not provide any services as an independent contractor during XXXX, so no 1099-MISC for XXXX was originally uploaded. 

9. On XX/XX/XXXX we received an email from BOA stating that they have not received all of our documents, but it did not specify which documents. 

10. It was really unclear what documents were needed. We had provided the one document that applied to us.

11. On XX/XX/XXXX, in an abundance of caution, we uploaded a 1099-MISC for the one payment that we made to an independent contractor during XXXX. 

12. On XX/XX/XXXX, we have received an email stating BOA has still not received all the required documents, but it does not state what is missing ; it also stated the problem may be that BOA received unnecessary documents.

13. On XX/XX/XXXX, we deleted the 1099-MISC, thinking it may have been unneccesary.

14,. We are doing our due diligence and providing documents timely. It is unfair that we are being denied access to federal loan funds because BOA is not being clear and is sending messages alleging missing documents where such allegations by BOA do not seem to be supported by the facts. This is harming our nonprofit because other organizations may be approved prior to us for limited funds, even though they did not turn in their required documents until after we did.
Consumer complaint received 2020-08-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (AZ)

Over 20 times in the month of XXXX, and over 10 times in the month of XXXX, American Express keeps contacting me. They will either call ( my phone blocks it but I still see the message ) OR they will put this Collection Message up on my computer. I've asked them why is the message about " We need to speak with you immediately regarding your Account. '' My account is always paid, paid way in advance, through multiple payments. I'm attaching the screen shot now. I also have all my chat messages copied to validate that I have asked the representatives to please put a note on my account, that I don't need to be bothered while my account is current. It has been current for months, yet I still get harassed, almost daily by then. I put a phone block on my cell phone, and when I log into AmEx I always respond to the " we need to speak to you urgently. '' and they want to harass me about the balance on my account. They choose to selectively harass me. They never did this with my husband 's account. They are willfully harassing me. Each time I tell them very clearly to not harass me online or via phone. Online is the same thing. Harassment is harassment. Today, I took screen shots of this interaction, so that you can see for yourself, how they badger me. I can't imagine what  those who are late have to go through. As a reminder, you can see clearly that I am not late and in fact, had no payment due. This is because I pay my bill the moment it posts online, and then I make several additional payments during the month. This repeated harassment is causing me great stress and anxiety. 

I have attached images from XXXX and XXXX - to validate that 3 different times this has happened ( more than that, this is what I included today ) and that they make me speak to them, and then they harass me about the balance on my account, and I ask them to please stop contacting me, and they continue to do so. 

The dates are on the bottom right corner, where I take a screenshot showing the date/time on my computer.
Consumer complaint received 2020-08-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (TX)

I've had my house/mortgage for a year via my FHA loan. I haven't been late on a payment once. In XXXX, I was offered the benefit of the Forebearance feature of the CARES Act and was made to understand that essentially this would put a " PAUSE '' on my need to make mortgage payments for a period of time, and that those payments would simply be added to the end of my loan period. 

I keep a close eye on my credit report, and use the XXXX XXXX and XXXX apps regularly. I've noticed over the past 3 months that I've been on Forebearance, that I'm getting notifications that the balance on my mortgage has been increasing!!! 

In XXXX, when I agreed to the Forebearance, my loan balance was XXXX ... .. now my balance is XXXX!!! 

I called my mortgage company to clear up the situation, I can understand if the original interest is still accruing on my loan, however, when you add it up, XXXX over 3 months comes out to about XXXX per month .... that's my usual monthly mortgage .... that means that they're charging me 100 % interest on the missed payments!!! How is that supposed to be " helping '' me??? 

Putting the payments on " PAUSE '' is not the same thing as DOUBLING THE AMOUNT THAT I OWE .... that doesn't help me, and I was not informed that this would be the circumstances. As a matter of fact, I don't think that the representatives at the time of the offer even had a clue that this would be the case. THIS IS NOT RIGHT. 

I believe that my balance should have remained the same, XXXX and that missed payments should be added to the end of the term of my mortgage. If there is some slight amount of interest, 3.5 % is my rate, then that is fine ... .. but my rate is certainly NOT 100 %. 

Please help to resolve and correct this situation. Thank you for your help.
Consumer complaint received 2020-08-17
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. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-08-17
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. (AR)

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.XXXX  XXXX {$2700.00} XXXX XXXX {$10000.00} XXXX XXXX {$850.00} XXXX  XXXX {$440.00} XXXX XXXX {$510.00} XXXX XXXX {$510.00} XXXX {$28000.00} XXXX  XXXX {$360.00} XXXX XXXXXXXX {$200.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXXXXXX {$510.00} XXXX XXXX {$190.00} XXXX XXXX XXXX   XXXX {$2700.00}
Consumer complaint received 2020-08-17
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. (AR)

I called XXXX XXXX to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report.XXXX XXXX {$2700.00} XXXX XXXX {$10000.00} XXXX XXXXXXXX {$850.00} XXXX  XXXX {$440.00} XXXX  XXXX {$510.00} XXXX XXXX {$510.00} XXXX {$28000.00} XXXX XXXXXXXX {$360.00} XXXX XXXXXXXX {$200.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXXXXXX {$510.00} XXXX  XXXX {$190.00} XXXX XXXX XXXX   XXXX {$2700.00}
Consumer complaint received 2023-05-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (FL)

Approved for 6 months of government Homeowners Assistant Fund. Mortgage company has cashed XXXX, XXXX and XXXX payments but have NOT been able to locate to apply to my account. These funds have been approved from XXXX XXXX, XXXX, XXXX were applied with no problems. Ive been contacting my loss mitigations department and mortgage company several times per week since XX/XX/23. Last update I revived yesterday when calling was that it was still being escalated and the check numbers and cashing information was received from HAF - but, they have applied anything to my account as they were still searching for these funds. This is ridiculous! 3 months of escalation getting the check information that they cashed months ago, but yet NO results to be able to apply to my account. Please help!