davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (MS)

On XXXX XXXX XXXX I contacted Synchrony Bank in regards to my TJMaxx credit card replacement that I had requested back in XX/XX/XXXX due to a name and address change. Synchrony Bank received the verified documents that I had mailed to them in XXXX and mailed me a new card. However... I never received this card, and subsequently, my account was closed! I have had this account for 11 years and it was ALWAYS in perfect standing... NEVER late on a payment. 
And of course, NO ONE had an exclamation of WHY it had been closed. 
I called 3 times ... once the service rep said they were having technical issues and couldn't give me a reason why it had been closed, 2nd time I was put on hold for 15 minutes and my last call was dropped after being told by a recording that every rep was busy. 
This is so typical of today 's incompetent customer service reps ... No one has any decent and professional work ethics anymore. EVERYONE wants to work remotely so they don't have to be accountable. 
( Attached is the conversation from " Live Chat ''.
Consumer complaint received 2017-03-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I have sent proof of identity theft to the XXXX credit bureaus they have not acknowledged the information or removed any of the accounts. I have done this on 4 occasions in the last year, i have gotten a police report, ftc affidavit, and requested the bureaus to send me proof of these items that they are saying i recieved gainfully. I do not know what else to do at this point. I have done everything that was requested and they will not remove the items
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Opened Balance XX/XX/XXXX, {$4100.00} XXXXXXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} XXXX XXXX Opened XXXX XXXX, XXXX Balance {$2300.00} XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX {$390.00}
Consumer complaint received 2023-06-26
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. (NJ)

There is a FRAUDULENT item on my credit report ( XXXX  XXXX XXXX XXXX ). After sending Dispute Letters with FTC report and complaints here in CFPB this negative item is STILL reporting and my complaints have NEVER been resolved. I do not have any idea regarding these fraudulent accounts on my credit report. I'm reaching out regarding this fraudulent item for assistance to remove it from my credit report immediately.
Consumer complaint received 2023-02-28
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. (FL)

this is my 2nd attempt I am interested in processing disputes with Equifax to clear my credit report with the inaccurate information That it is showing. please delete an remove the items listed from my file.
Consumer complaint received 2017-06-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds! <P/>It is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a XXXX, because I refused to allow someone else to cheat me?? <P/>
I just finished a call with Experian. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.
Consumer complaint received 2023-06-16
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CarMax, Inc. (GA)

I am getting daily robo calls from XXXX. I informed Carmax XX/XX/2022 to remove me from the call list. I get calls from them around the same time daily. I have attached examples of the calls from this number. 

According to 15 U.S. Code 1692d - Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

The past few weeks have been unbearable due to the constant harassing debt collector calls. Despite explaining my financial situation and requesting a payment plan, the collector continues to call multiple times a day, and threatening legal action. This has caused immense XXXX and XXXX, making it difficult to focus on work and daily activities.
Consumer complaint received 2023-06-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (TX)

I am filing a new complaint, because One Main has provided inaccurate information in their response. 

1. I immediately notified One Main of my termination from my then employer in XX/XX/XXXX, not XX/XX/XXXX like One Main stated. The reason the claim took so long was because of their high turnover of branch managers. As I previously stated, I notified the employee XXXX. He insured me that my entire balance would be covered, just as the Branch Manager XXXX XXXX told me when I added the insurance, but XXXX never processed my claim. I kept following up, and it wasn't until the Branch Manager XXXX finally processed it, which is why it wasn't done until XXXX. XXXX XXXX also assured me that my claim would be paid in full. 

2. One Main is being untruthful about XXXX XXXX yelling at my wife. Other employees were present and witnessed when it happened. One of them being XXXX. 

3. One Main was deceptive in that three different employees ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) all deceived me by telling me from their own mouths that my claim would be covered in full. This is bad training and practices on behalf of One Main Financial. 

4. One Main was careless breaching another customer 's information to me, and should be held responsible for that.
Consumer complaint received 2017-06-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am filing this complaint because   XXXX   has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified ' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I applied for a re-finance with Chase Bank and was pre-approved starting  XXXX   XXXX   XXXX . The amount was $  XXXX  XXXX 3.50 %  XXXX  points 20 Year  Fixed Loan  re-finance. Any information they requested I gave them back within  48  hours. Its started as a phone call and all papers were sent to my house for the mortgage process. All requests for additional info were done via e-mail. On numerous occasions I felt as though they had very little knowledge on the New York process. I requested the loan be transferred to the New York office but I was told it was not needed because they were the main hub. They constantly requested the same information over and over without reading through my e-mails. I was leaving messages on ther e ( Chase  Arizona ) phone lines and not getting calls back as I requested. Instead they would send e-mails or would just not respond. They gave me  XXXX  extension letters going into  XXXX  on the re-finance because they were extremely overloaded. Then in the last 2 weeks of  XXXX ,  XXXX  they called me and sent e-mails stating that they would be closing on my re-finance by end of  XXXX ,  XXXX .   When the end of month came around and I did not hear from them I sent another e-mail and CC 'd their Attorney. On  XXXX   XXXX  their Attorney e-mailed me back and stated that  CHASE  had decided to DENY my re-finance AND HE WAS EVEN PUZZLED. I never received a phone call, e-mail or any form of mail stating I was DENIED.I left numerous messages and finally someone called me back and stated my Debit to Credit ratio was over their guide lines and they decided to decline me.If that was the case why was I not told in th e 1st  month rather than extending me 3 times for a total of 6 months. The average re-finance takes 45 days and here I am 6 months later getting declined.   I then requested what I needed to do to get this done. They gave me a list of items I needed to pay off prior to closing and then they could go ahead with the re-finance. I agreed to all the requesst and then I requested they send me all the new documents and I would sign.   Ah, but there was  ONE  BIG CATCH TO THIS. I would not receive the original rate of 3.50 % as originally stated. I would have to go to a new higher rate of 4.50 % increasing my payments drastically. I have re-financed loans for my  XXXX  homes on 3 different occasions and never did I receive this blatant rate switch game. I feel that when  CHASE  went to set up closing they realized how low the original rate was and they could never give that to me now without it costing them {$30000.00} to pay down the rate.   I reached out to other financial Institutions and they agreed that being declined after 6 months is totally uncalled for and that I had a real good argument in this case. If  CHASE would have declined me in the first month then I could have tried to get that rate from some other Mortgage Company.
Consumer complaint received 2017-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (FL)

I have received several calls from Nelnet trying to collect money from me, but I do not owe any. When I called them today to ask about this, they claimed that no calls are being made to my number. The most recent call was made on Thursday,  XXXX   XXXX ,  2017 , at  XXXX  EST. They left a message on my voicemail which I have a recording of as proof that Nelnet is making calls to me.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00}
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX with account # XXXX is stating I owe {$2100.00} because they are adding a collection fee of {$150.00}. Now they have went an put on collections as I owe {$2300.00}. Yet, when called I was directed to a collection agency. They are XXXX XXXX act # XXXX stating the same amount of debt on file with XXXX  XXXX The collection from XXXX is one reporting imporperly as it should be XXXX XXXX furnishing on my credit file and XXXX would technically be a charge off account. Yet, heres the kicker... ..XXXX  is part of XXXX. I noticed that I had a collections once it hit all three of my credit files. I was not sent anything to dispute this debt an be givin 30 days. They are now violating many of my rights under the FCRA because not only are they furnishing incorrectly and I have right to 100 percent accurate credit file at all times they now added fees for collections that in which is aginst the law. But doing as if its XXXX but its for XXXX. Also after seeing they put on credit without validating or sending me anything they then sent me a dunning letter with ofcourse more violations to count! XXXX didnt even send the proper validating papers. I was one piece of paper. I called to request where they came to amount as I need an itemized bill to explain and the papers they sent make no sense as im not sure where amounts are comming from. This account needs deleted due to many violations to my rights. Both accounts are not accurate and clearly cant validate properly the debt and I want deleted and for XXXX to handle the invoice within the thirty days as I have the right under the FCRA.15 USC 1692f ( I ) unfair practices XXXX Violated- paper dont tear to send in amount Violated proper furnishing of credit file Violated adding fees to a debt bought out Violated communications to validate before furnishing file Violated still being on credit file while being disputed threw below account that's actually XXXX  account. 
XXXX Violated- Dunning letter symbols Violated where paper dont tear for amount Violated claiming a debt when I didnt get to dispute when stating XX/XX/XXXX  Violated being as they will accept money but check to be made out to XXXX and manyyy manyyy more violations thats on the invoice. 



wont allow me to add more photos*** I have more of the documents if needed but I think these should be sufficant enough
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (IL)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2019-12-26
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: EQUIFAX, INC. (MD)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, phone number XXXX, brought my mortage on XX/XX/2019, from XXXX. I could not get through to a representative on the phone or on the XXXX  website to pay my mortgage payments in the amount of {$1500.00}. I was diffcult getting a representative on the phone with XXXX. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. On XX/XX/2019 and XX/XX/2019, I made a payment in the amount of {$1500.00}. XXXX XXXX XXXX XXXX XXXX  is reporting to Equifax, XXXX  XXXX, XXXX  late payments of the month of XX/XX/2019 and XX/XX/2019. I received different information from the XXXX representatives everytime i call them ( some XXXX Representatives informed me that they would not be reporting any late payments to the credit bureau until they stabilize and XXXX Representatives informed me that if you pay the mortgage on the XXXX of the month your payment is not considered late. I have receive incorrect and inconsistance information from the XXXX Representatives.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (WA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I pulled a copy of my Experian consumer report and noticed some items I would like to dispute. They are as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$21000.00} Reason : This account was reported without my written consent and therefore is a result of identity theft and should be deleted. This account is a charge off and was written off, which is reported as ordinary income which is excluded from a consumer report. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer. 

Creditor : XXXXXXXX XXXX XXXXl Account Number : XXXX Balance : {$19000.00} Reason : This account was reported without my written consent and therefore is a result of identity theft and should be deleted. This account is a charge off and was written off, which is reported as ordinary income which is excluded from a consumer report. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer. 


Creditor : XXXX  Account Number : XXXX Reason : This account was reported without my written consent and therefore is a result of identity theft and the XXXX late payments should be deleted. This account is not related to any transaction authorized to be reported via written instructions by me, the consumer and the XXXX late payments reporting should be updated to paid on time, never late XXXX the entire account should be DELETED.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$5500.00}
Consumer complaint received 2023-02-27
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. (FL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason purpose.
Consumer complaint received 2023-06-26
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. (OH)

there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : -XXXX XXXX # XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} -XXXXXXXX XXXX # XXXX -XXXX XXXX # XXXX {$800.00} -XXXX # XXXX {$0.00} -XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-06-26
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. (PA)

Submitted dispute XXXX to remove already paid medical account that collector shows a balance less than {$500.00}. Account has been paid, but collection shows under {$500.00}, so it should not be on credit report. It was previously removed when under {$500.00} medical accounts were removed at the start of 2023. Nothing has changed on this account.