davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

I've been falsely accused of Suspicious Fraudulent Activity that has been inaccurately reported to Chex-systems & XXXX XXXX. This company has yet to verify any legal binding contract of any unpaid debt owed & refused to remove this erroneous item without an explanation. Failure to comply any proof of information of debt will result in small claims court for their action & damages of ; Defamation, Libel, Negligent Enablement of Identity Fraud & Violation of Fair Credit Report Act.
Consumer complaint received 2019-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (LA)

LVNV FUNDING LLC is reporting a FRAUDGLENT colletion account on my credit reports! Ive reached out to them and requested proof this account is mine and sent in supportting documents proving this account there reporting is indeed fraud. As to date i have not gotten any response. They have not sent me anything via mail,phone calls or even tryed collecting this debt untill recently. They just recently reported it to my credit reports! Ive called and tryed speaking to someone who was less then helpfull. Ive sent supportting docments to the address provided by one of there agents i spoke to. The address given was XXXX XXXX XXXX XXXX SC XXXX. I have overwhelimg documents to prove 100% this is a fraud account!  The following is what is showing on my credit reports

LVNV FUNDING LLC
Original creditor: XXXX
Account number XXXX
Collection opened XX/XX/2019
Account type Factoring Company
Balance Loan Amount
$XXXX $XXXX

Payment Info

Original loan amount $XXXX  

Balance $XXXX
Updated on XX/XX/2019
Contact
XXXX XXXX XXXX
XXXX, SCXXXX
(XXXX) XXXX
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I've been falsely accused of Suspicious Fraudulent Activity that has been inaccurately reported to XXXX  & XXXX XXXX. This company has yet to verify any legal binding contract of any unpaid debt owed & refused to remove this erroneous item without an explanation. Failure to comply any proof of information of debt will result in small claims court for their action & damages of ; Defamation, Libel, Negligent Enablement of Identity Fraud & Violation of Fair Credit Report Act.
Consumer complaint received 2019-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I used mobile app deposited two checks from XXXX XXXX XXXX, each amount is {$850.00}, and the total is {$1700.00}, she is my new roommates and I used XXXX XXXX  to pay my landlord rent. Chase bank restricted my checking account after I deposited the checks and used XXXX XXXX. 

I called the customer service and they wanted me to go to one of the branch offices, I went there yesterday, XX/XX/XXXX, and brought my new roommate XXXX XXXX XXXX there and I showed them the checks I deposit through my mobile app and my ID and they still restricted my checking account event the fund is posted already. After I verified all the information with them, they still restricted my account. 

FYI, the name of the Chase Branch manger is XXXX XXXX. the branch office address is XXXX XXXX XXXX, XXXX XXXX. 

Today, I went to the supermarket and trying to use my debit card, but the card still no good. I called the customer service again, they couldn't figure out why the branch office restricted my checking account, I need to know to use the fund, and I need to solve this problem. 

I am very frustrated, I need to solve this out, I already spent 3 days since I deposit the checks to my account and they assumed I am fraud, that's discrimination. I called, showed up in the branch, the checks are good, I didn't do any wrong, why they restrict my account? I need my money.
Consumer complaint received 2019-12-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (NV)

Zales had agreed to close account and yet continues to sell the closed account to other collection agency, persists in reporting old debts with updated activity dates, and persist in threatening me with garnishment, and continues the illegal practice of Re-aging a settled debt.account has been closed since XX/XX/2016 and continues to reage this settled debt as updated and present.
Consumer complaint received 2019-12-15
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: Atlanticus Services Corporation (IL)

Fortiva Was informed that this account was used or opened by me and this account is fraud. They informed me of the transactions placed on the account and I filled out an affidavit and sent it back to them declining and denying the charges and account. I was told by the Fortiva Fraud Dept. the account was closed with a XXXX balance and would be removed from my credit report by Fortiva Customer Service department. The account is closed but still being reported as delinquent. According Fortiva the balances and annual fees were going to be removed and the account would be fully closed and removed from my credit reports.
Consumer complaint received 2019-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Received new credit card with first statement balance due XX/XX/XXXX. Set up bill pay on XX/XX/XXXX. Noticed on XX/XX/XXXX that payment did not happen and submitted manual payment for full statement balance. Received a {$25.00} late payment fee plus {$73.00} in interest fees. Have never made a late payment, always pay statement balances in full, gold preferred member, and have {$75000.00} in cash in my BoA account. Called in and neither CSR or supervisor would waive interest even though bill pay should have made the payment in full and that I have never had a late payment or interest charges on an account with BoA.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

These items in question contain numerous discrepancies, including inconsistencies in the date opened, high credit, credit limit, last reported, comments, date last active, and date of last payment. These errors are not only unacceptable but also compromise the accuracy and integrity of my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX
Consumer complaint received 2019-12-15
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. (GA)

I have disputed an item on my Equifax Report & they have failed to investigate correctly. XXXX & XXXX investigated and removed. I have also complained to the collection company. The debt is not mine. Equifax and XXXX accounts have both failed to provide proof of debt. I am furious!
Consumer complaint received 2019-12-15
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: SYNCHRONY FINANCIAL (NC)

I have a Belk Credit Card. My complaint is as follows. 

Aproxamitely 6 months ago I recieved a new Belk Credit Card and the old one was canceled without my knowledge or consent. 

The new credit card kept giving me issues, and even though I'd call and activate the card it would still read as not activated. 

When I tried to use the card, I was locked out of the card and had to do verification with a picture to Synchrony. 

Then I was automatically disenrolled from paper billing to paperless billing. When I did not recieve a bill in the mail I became late on a payment. I immediately called, made a payment and reported the issue to an associate. 

The associate stated that they fixed the problem however I was still not recieving mail. This occurred 3 months ago. 

Without any letters in the mail, email or as much as a phone call. I get a hit on my credit report saying my account is passed due. I call them to find out I am past due 30 days on a {$4.00} payment. I immediately make a {$50.00} payment and when I inquire as to why I was never notified they stated I was still paperless in billing. They said that they would investigate. 

I login to check my account and find out that my credit card is still not activated online or that it's been deactivated. Also I find out that they changed my credit limit to the amount that was due on my card, making it appear as if my card is maxed out on my credit report. They cut the card by half on the credit limit. 

This was very upsetting. I believe that due to being on the service member civil relief act, that this is being maliciously done to me by Belk Credit Services. They have never notified me, emailed me, or as much as given me a phone call. 

I would like to remove this from my credit report and will be closing this account and paying whatever I owe them in full at the end of the month. I have had this line of credit with them for years, this only occurred after I requested my benefits for the 0 % interest rate. I will be taking this up with JAG as well to see if I can pursue any legal action if an investigation actually gets conducted by them. 

Everytime I call to inquire, somehow it's my fault they never reached out to me. I have multiple accounts with many other companies this is the only one I've ever had problems with. Also to add today I called them again and they say they just sent me a letter stating my credit limit was getting cut in half even though they already have cut it and this is being done after the fact. I believe it's to cover up a mistake that was made on their end.
Consumer complaint received 2019-12-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

My mortgage has been transferred a few times until landing with LoanCare/XXXX. Upon getting the mortgage the mortgage was due the first of each month with a 15 day grace period and then a late fee would be applied after the grace period. At first LoanCare was fine and then after a few moths they started charging me {$10.00} to make the payment online. That is {$120.00} a year extra they are charging me. I am on XXXX and a fixed income and this is a lot to me. When speaking with them they said its not a late fee but an administrative charge. I am being charged to pay my bill? I have NEVER had a mortgage company charge me to make a payment to them. This must be illegal. I went online and saw others too were experiencing the same issue as myself. I am extremely frustrated and feel like I am being taken advantage of. This company has worked around a way to charge people money each month to pay extra even if it is before the mortgage is considered late.
Consumer complaint received 2019-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

Unable to access online accounts for balances or to transfer money this XXXX around XXXX. 

Went in person to bank to get a check from account with greater than {$24000.00} in it and they were unable to access any if my account information. I tried to get a check for {$6500.00} for my contractor but the manager stated that she could only give me a check for up to {$750.00}. This is unacceptable. I can hit access any of my money. I also can not pay any of my bills including transferring money from my Wells Fargo checking to my Wells Fargo mortgage.

I returned to the same branch this afternoon and the employees stated that their systems were still down and they were unable to give me a time estimate for when their systems would be up and running again.

When I returned home I tried calling Wells Fargo and would have to wait in excess of 60 minutes to speak to a person. 

Unacceptable.
Consumer complaint received 2021-07-30
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 — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

we have disputed that the late payment in XX/XX/2021 should be removed due to a natural disaster declaration by FEMA that occurred that month
Consumer complaint received 2021-07-29
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. (NV)

EXPERIAN has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administer of the account. I do not own it.

I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information with
out my consent or signature for fee.

I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 USC 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure. 
I would like the CFPB to HELP me get EXPERIAN to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 USC 1983, as this is a complete misrepresentation of facts. 

I do not validate any of the negative information on my report nor do i consent to EXPERIAN furnishing such information to third parties.
Consumer complaint received 2019-12-15
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. (NY)

This account listed on my credit report must be removed. It does not belong to me. I have filed several complants through the FTC, directly with the creditor etc ... .yet it is still showing on my credit. If it not removed I am going to file a lawsuit due to violations of the FTC, FDCPA and FCRA. 

The Account is : XXXX XXXX Balance {$11000.00} Opened : XX/XX/2011
Consumer complaint received 2021-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

I applied for a loan modification and send in all required items. On XXXX I spoke to fay for an update and they said my file is still in review for a loan modification. They advised me a letter was sent out on XXXX. I never recieved the letter and I have called in a few times yet not one person botherted to infomr me that I needed to send in updated pay stubs. I sent in the requested pay stubs but the issue I have is as follow- Fay Servicing is Dual tracking. My file is in review for a loan modification and has not been approved nor denied. Yet somehow I have a sale date scheduled for XX/XX/XXXX. " Dual tracking '' occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. 
I called XXXX XXXX/ XXXX  XXXX , the foreclosure attorney on XXXX and they advised me that the sale date is indeeded set and there is no hold. They also stated that they looked into their internal system that they share with Fay and they are 100 % sure the file is active and set for sale. I advised them that my file is in review and they stated they would send an email out to fay to inquire about the situation. 
Since the adoption of the Homeowner 's Bill of Rights in XXXX, California law prohibits dual-tracking. I have been given inaccurate information when I call in to Fay servicing. I did not know that pay stubs needed to be updated.The postal service has been extremly late with my mail. It is infuriating that since this so called letter was sent out, none of the reps felt the need to advise me of any missing items. 
I am demanding that the sale date on my home be postponed as Fay servcing is conducting illegal foreclosures and are not properly handing my file..

Federal Law Prohibits Dual Tracking. The Consumer Financial Protection Bureau ( CFPB ), which the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 established, issued mortgage servicing rules that, after being codified into federal law, went into effect on XX/XX/XXXX.
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TX)

I opened an Amazon Prime store credit card on XX/XX/XXXX. It is issued by Synchrony   Bank. I linked this card as the form of payment when I shop on Amazon.com. I used it to purchase several items over the past few months. I used the return and item feature on Amazon to return some items and used the return shipping label provided. Instead of Amazon refunding the returned item to my original form of purchase ( Amazon Prime Store card ), they created an Amazon gift card without my knowledge and put the refunded amount as a balance on the gift card instead of crediting my Amazon Credit card. I contacted Amazon today XX/XX/XXXX and talked to XXXX- a supervisor who told me that they can not apply the gift card balance to my Amazon credit card! So, I am left with a credit card balance that I must pay to avoid interest charges on several products that I returned and the only way to get my money back is to buy more products from Amazon with the gift card balance which I never agreed to! I am furious that Amazon would do this to consumers and Synchrony bank should be responsible as well because there is nothing about this in the credit card agreement. Please help!
Consumer complaint received 2019-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ALLY FINANCIAL INC. (OH)

On XX/XX/2019 I received a letter from Ally Bank Lease Trust advising that after initially approving our auto lease on Sunday, XX/XX/XXXX they are choosing to deny the financing due to additional credit information later pulled from a company called XXXX XXXX XXXX. My credit score based on XXXX  was XXXX and according to XXXX was XXXX. The most unacceptable and I find that has to be unlawful toward consumers is retracting a loan weeks after approval based on a credit report that I did not authorize. Along with that at this point a month out from initial loan inquiry my credit score has dipped due to new debt this auto loan created and multiple credit inquiry hits. I have also paid fees to the dealership that can not be refunded. As a consumer I find it has to be illegal to perform these reports after initially approving loan. Should I have to return the vehicle or seek out alternative financing now I will not qualify for rates I would have a month ago. This has put me in a financial situation that should never been acceptable. If they wish to use XXXX XXXX then they should be pulling this information at the dealerships along with 3 major scores. We signed a contract and it was approved.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

I the consumer XXXX XXXX, have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies related to identity theft. Unauthorized inquiries include XXXX XX/XX/21 XXXX/XXXX  XX/XX/21 XXXX XXXX XX/XX/XXXX XXXX  XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX  XXXX XX/XX/21
Consumer complaint received 2019-12-15
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. (IN)

On or about XX/XX/2019, I had leased [ a recliner and a tv stand ]. On or about XX/XX/2019, I contacted XXXX XXXX to legally cancelled the lease. I was told the account would be closed and a recovery team would be sent to pick up the merchandise. On XX/XX/XXXX, the recovery team did pick up [ a recliner and tv stand ]. Without regard to, On or about XX/XX/2019 is when i had noticed that merchant preferred, a leasing company, sent to all three credit bureau that I was 30 days behind in payments. I then filed a dispute with XXXX  all the same, to include Transunion and XXXX  via United States Mail that Merchant was filing fraudulent claims of being behind with payment, nonetheless, I was told the filing was accurate and that it would remain on my credit history. Then On or about XX/XX/2019 I made several attempts to file a separate dispute that XXXX XXXX is filing fraudulent claims. Merchant preferred filed another claim XX/XX/2019 now I am 120 days behind. XXXX, Transunion and XXXX  continue allowing merchant preferred, a leasing company, to file account is now 120 days past due. The next step is to file a lawsuit against all three credit bureaus for negligence if you unable to resolve this issue.