davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I had several retail credit cards issued by Synchrony Bank. Every credit card account in excellent standing and half of these accounts, if not more paid in full with no unpaid balances. On XX/XX/2020, Synchrony Bank closed ALL the accounts. When I called, they placed blame on XXXX and stated the agency contacted them and shared issues on my credit report. I contacted XXXX and they indicated that they do not report issues ( which I had no issues ) to credit issuers. I called Synchrony Bank back and all they continue to tell me was that I would receive letters in the mail explaining why! Well, two weeks later, I began receiving letters. Many the same explanation that I am a HIGH RISK of not being able to pay, even though I have shown excellent payment history! Other letters were complete inaccurate. Some stating account closed due inactivity. This information is completely false! I also received a letter for one of my accounts stating no activity over a 12 month period. Again, completely false information. The account for that particular letter was a new account not just barely opened 6 months. This type of business practice that Synchrony is doing to hundreds upon thousands of customers is wrong and they should be investigated! My credit over all is ruined because of synchrony bank. My credit score reflects my credit utilization is at MAX. I made many attempts to at least have my interest rate lowered and or completely removed since they closed my accounts AGAINST my will but still expecting to pay their high interest rates! In this current economy, people are struggling and yet this institution continues this in order to stay profitable. Something must be done!!
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (MD)

I have been trying to close my fathers checking account. He is deceased. I am the executor. I faxed in the paperwork but cant get hold of anyone to confirm or get status. I live in a state where there are no US Bank branches
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts 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 2022-11-04
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. (CA)

I am writing the because I have reached out to the credit bureaus about inaccurate information on my credit report and I have not been getting any response back In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

I XXXX XXXX am a victim of identity theft the following accounts and inquiries are fraudulent. 

ACCOUNTS XXXX XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX Reported : XXXX XXXX, XXXX {$960.00} HARD INQUIRIES XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX XXXX had a scammer hack my account information and deposited a fake check then wired him self money then the bank is trying to tell me to pay it and the fraud department will not take care of the issue at USAa XXXX
Consumer complaint received 2020-08-05
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: Bread Financial Holdings, Inc. (MA)

Hi, I saw late payment remarks on my credit report that I think is not possible, I pay on time.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks
Consumer complaint received 2020-08-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I sent them a second notice. They have not sent my title and the amount for the car has been taken care of and they have yet to report it to the creditors. They have violated rules.
Consumer complaint received 2021-06-29
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. (MD)

XXXX XXXX is reporting a debt of XXXX $ For Gas and electric when I did not live at the reported address. I sent them a copy of my lease and the home inwhich I lived in when this reported. they wont remove from Credit XXXX
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

Hi there, I opened a Amex blue cash credit card about 2months ago ( XX/XX/2020 ), and spent over {$1000.00} for earning {$350.00} [ {$150.00} + {$200.00} ( XXXX ) ] bonus. My friend referred me for this card, she got her bonus very quickly. However its been more than 8 weeks now, I havent received any bonus from Amex, I contacted the customer service 3 times. The last two times, Amex representative told me that I am totally qualified for the bonus since I have already spent over {$1000.00} on XXXX. Unfortunately, some people can get bonus right away, some people has to wait for it up to 8 weeks, and I suppose to get the {$150.00} opening card bonus before my first statement which is I did not. I defiantly this situation is unfair to users like me, but I choose to wait and paid off my first bill statement. After 8 weeks I still get nothing, so I had to call them again. However this time Amex representative said their system showed I am not qualified to those bonus. ( put me on hold for mins ) He asked me to find a paper and pen to write down a code and wait for another 3 weeks for the result. I didn't feel satisfied with this solution. So I asked to speak with his supervisor, ( put me on hold again for mins ) but the supervisor rejected to talk at all. And then I asked the representative to help me file a complaint ( put me on hold again ). The representative said his supervisor asked him to give me an address to mail a letter. The phone call took so long but my problem was not solved. I can't believe nowadays there is no way people can contact Amex online. And the supervisor totally rejected to communicate with me. I guess their attitude was not positive and disrespectful.
Consumer complaint received 2020-09-27
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$11000.00}, {$3200.00}, {$1800.00}, {$390.00}, {$800.00}. 
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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX  NA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Consumer complaint received 2020-09-27
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$11000.00}, {$3200.00}, {$1800.00}, {$390.00}, {$800.00}. 
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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$3200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Consumer complaint received 2023-02-28
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2020-08-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (VA)

On XX/XX/2020 I was quoted closing costs of {$8500.00}. Then my lender went silent. Communications from me were not returned, no one could explain what was happening and my closing date of XX/XX/2020 came and went without an update on why it was not met. On XX/XX/2020 I received loan disclosures citing my closing costs were now {$11000.00}. I attempted to call and ask why the price had increased {$3000.00} and no one was able to explain anything. Upon my own research, {$3000.00} had been added for mortgage points that had NEVER been discussed with me. Here we are on XX/XX/2020 and I still have not closed on my house, I have not received updates, and still do not know when I will close. This company has been unprofessional, unorganized, and this process has been a nightmare. I have had to provide copies of documents MULTIPLE times as it seems they are never given to the appropriate party. My appraisal wasn't even scheduled until XX/XX/2020.
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (MS)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX XXXX XXXX {$270.00} US DEPT ED XXXX {$3800.00} USDOE/XXXX XXXX {$17000.00} XXXX   XXXX {$760.00} XXXX XXXX XXXXXXXX {$950.00} XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$17000.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX {$0.00} XXXX XXXX   XXXX {$1600.00} XXXX XXXX {$4700.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$4500.00}
Consumer complaint received 2020-06-09
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CO)

XXXX Is still reporting that I have a balance on my XXXX  and XXXX  reports and they are not reporting that I have a XXXX Balance on these reports. This is not the first time that XXXX has been caught reporting illegal things on my report. First its late pays and now incorrect balances. This card has been paid off and should be reporting the bureaus as such. Straight violation of the FCRA.
Consumer complaint received 2022-11-04
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. (FL)

In accordance with the Fair Credit Reporting act Account : XXXX XXXXXXXX Account # : XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-27
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: 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 {$0.00}, {$11000.00}, {$3200.00}, {$1800.00}, {$390.00}, {$800.00}. 
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 Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXXXXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$11000.00} -This is not my account. 

-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3200.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Consumer complaint received 2020-08-05
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. (AR)

was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$480.00} XXXX XXXXXXXX {$13000.00} XXXX XXXXXXXX XXXX {$650.00} XXXX XXXXXXXX {$480.00} US DEPT ED XXXX {$4800.00} USDOEXXXX XXXX {$18000.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$3800.00}
Consumer complaint received 2020-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Good evening, ARS is reporting a medical account on my credit that I do not owe. I reached out to them on several occasions most recently on XX/XX/2020 and XX/XX/2020. I requested a HIPPA release, detailed bill of the services rendered and statements showing explanation of amount that include what was covered by insurance. On XX/XX/2020, ARS sent me a letter simply saying they " verified '' the debt. They did not send me any documents proving how they verified it. They simply stated the account number and amount they claim. I have reached out to my insurance and no claims have been filed that insurance has not covered 100 %. ARS is reporting a debt I do not owe. I am requesting they cease their collection and delete this account from all credit reporting agencies.
Consumer complaint received 2020-08-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020, I sent the credit bureau a letter asking for proof of their investigation into a creditor that furnished untrue information on my credit report. I sent the letter certified which I have attached along with the letter, and according to USPS, the letter was delivered to the organization on XX/XX/2020. To date, I have not heard back from the organization. Since they already concluded their investigation, I find it odd that they have not responded back with their proof.
Consumer complaint received 2024-02-08
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KY)

Macy 's XXXX XXXX XXXX XXXX. I was making payments but my account balance wasn't going down. I was paying more than the minimum. XXXX minimum payment I would pay XXXX or more.
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (KY)

Since last year, I have been going through homelessness and unemployed. I had attempted to log on to StudentAid.gov to sign up for the SAVE Plan but the website would not allow me to sign up until XX/XX/XXXX. In XXXX, I contacted MOHELA to inform the loan servicer of my hardship. MOHELA placed me on an administrative foreberrance. Once I notified the loan servicer that I was able to sign up for the SAVE Plan, MOHELA processed the SAVE Plan but stuck me with having to pay {$1000.00} balance for XX/XX/XXXX. 

I am unable to pay this balance, hence the SAVE Plan. I am still trying to recover from homelessness struggling with employment. MOHELA requiring me to pay the {$1000.00} XX/XX/XXXX balance will land me in default after I have enrolled in the SAVE Plan. I reached out to the MOHELA Ombudsman for resolution and have not received a response.

Please help!
Consumer complaint received 2020-08-05
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: EQUIFAX, INC. (AR)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1200.00} XXXX  XXXX XXXX XXXX {$640.00} XXXX XXXX  XXXX {$8700.00} XXXX XXXX XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX $ XXXX XXXX {$590.00} XXXX XXXX  XXXX {$22000.00} XXXX  XXXX {$10000.00} XXXX   XXXX  XXXX {$1000.00}
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the XXXX  you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.