davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (CA)

Hi, Recently I was trying to open a checking and savings account with one of the largest banks in the United States of America and surprisingly I was denied. 
This is the issue. To give you some background about my finances by protecting the fine details about the same. I am a full-time XXXX with a very stable financial control and I have a credit score of about ~780 ( I checked all the 3 major credit bureau on the day I went to the bank ). When I went to bank-1 I was denied the checking/savings account and I thought they might not support the state/county I was living in. So, I went to bank-2 which was local to my county, and THEY DENIED it as well. However this bank provided me with the credit score which was being reported as XXXX and I was asked to contact a company called XXXX from the bank for more details and they denied my new account. 

That was the first time I heard about this company XXXX and I filled out a form on their website to get a credit report and my credit score, and they reported ~XXXX. and the 2 reasons they gave was, 1.  Few accounts on file 2. NON-derogatory remark present on file. To be fair, # 1 is correct. However I was curious to know what the # 2 was. So I filed a disputed to explain what # 2 was and received same incomplete info which was similar to the credit report they had sent me earlier and they did NOT explain what was the non derogatory remark were they talking about. 

Being stuck in the middle of these organizations, I had got though emotional roller coaster for not understanding why all the 3 major credit bureaus had 780+ scores and this XXXX had in XXXX and then XXXX. So XXXX mentioned if I had any question regarding any of the contents in the report, they redirected me to another organization called LexisNexis organization. and when I checked with them regarding why my score was so low and what was the NON-derogatory remark, they had no clue what it was and that is when I realized something fishy is going with the XXXX and that why I am reaching out to you. 

I am attaching all the necessary documents to support my case.
Consumer complaint received 2022-08-17
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. (WA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (MD)

I have a line of credit with Paypal Credit ( Synchrony Bank ). I had returning an item purchased online, leaving me with a negative balance of {$780.00}, which I requested be sent to my home address as a check. I called Paypal Credit on XX/XX/20 for this check and was told it could take up to 3 weeks to arrive. After not receiving the check, I called back on XX/XX/20 to figure out what was going on. The customer service agent suggested they send out a new check and cancel the first. I agreed and asked that they send it to our XXXX Store box this time to guarantee delivery and avoid any potential theft. They said I needed to wait another 3 weeks for this check, and they refused to expedite it. 

Today is XX/XX/20, and I still do not have my check. When I called back again today, Paypal Credit refused to help resolve the problem in a reasonable manner. Paypal credit refused to expedite another check and kept telling me I need to wait 3 more weeks to get a new check sent. Upon threatening to file formal complaints with federal agencies like this, the account manager from Paypal Credit hung up on me. My Account Activity on Paypal Credit 's website shows them issuing the checks then cancelling the latest one. 

It does not take 3 weeks to print and mail a check, and despite being patient with them this whole time, I still haven't received the check after nearly 2 months. Paypal Credit is trying to get out of returning my money. The chances of 2 consecutive checks just disappearing into thin air is essentially zero. This is clearly a fraudulent tactic to get me to forget about the refund check.
Consumer complaint received 2020-03-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I sent a dispute letter to Portfolio Recovery on XX/XX/19 regarding a collection account in the amount of {$600.00}. Portfolio Recovery was unable to verify this debt ; however, they reported this to the credit reporting agencies damaging my credit file violating FDCPA laws.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I sent a letter regarding inaccuracies on my credit report on XX/XX/2021. It has been over 50 days and I still have not received a response. These inaccuracies have negatively impacted my life tremendously. According to section 611 ( a ), disputes should be investigated within 30 days and if not done it gives reason to remove those items from credit report, which it has already been over 50 days already. My information has also been impacted by the XXXX  and Equifax data breach as well and I am worried that my information may have fell into the wrong hands. I will not continue to be ignored and not have this issue resolved. I will file for litigation if this is not handled properly and the accounts are not deleted immediately.
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Hi, Recently I was trying to open a checking and savings account with one of the largest banks in the United States of America and surprisingly I was denied. 
This is the issue. To give you some background about my finances by protecting the fine details about the same. I am a XXXX XXXXr with a very stable financial control and I have a credit score of  about ~780 ( I checked all the 3 major credit bureau on the day I went to the bank ). When I went to bank-1 I  was denied the checking/savings account and I thought they might not support the state/county I was living in. So, I went to bank-2 which was local to my county, and THEY DENIED it as well. However this bank provided me with the credit score which was being reported as XXXX and I was asked to contact a company called ChexSystems from the bank for more details and they denied my new account. 

That was the first time I heard about this company ChexSystems and I filled out a form on their website to get a credit report and my credit score, and they reported XXXX. and the 2 reasons they gave was, 1. Few accounts on file 2. NON-derogatory remark present on file. To be fair, # 1 is correct. However I was curious to know what the # 2 was. So I filed a disputed to explain what # 2 was and received same incomplete info which was similar to the credit report they had sent me earlier and they did NOT explain what was the non derogatory remark were they talking about.

Being stuck in the middle of these organizations, I had got though emotional roller coaster for not understanding why all the 3 major credit bureaus had 780+ scores and this ChexSystems had in XXXX and then XXXX. So ChexSystem mentioned if I had any question regarding any of the contents in the report, they redirected me to another organization called XXXX organization. and when I checked with them regarding why my score was so low and what was the NON-derogatory remark, they had no clue what it was and that is when I realized something fishy is going with the Chexsystems and that why I am reaching out to you. 

I am attaching all the necessary documents to support my case.
Consumer complaint received 2022-12-31
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. (DE)

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 2022-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Synovus Bank (MN)

Synovus pulled and accessed my XXXX XXXX, XXXX, and XXXX credit report on XX/XX/XXXX without my authorization or permission for a SynovusXXXX First Digital Credit Card XXXX I did not apply for the credit card. The credit inquiry from Synovus is a fraudulent and unauthorized credit inquiry on my XXXX XXXX, XXXX, and XXXX credit report. I have never applied for any accounts from Synovus. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$650.00} XXXX  XXXX XXXX {$94.00} XXXX   XXXX {$960.00} XXXX  XXXX {$77.00} XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$190.00}
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NM)

I requested JP Morgan Chase Bank to remove the late payment for the auto loan I had in that moment in time due to XXXX. They denied it as described below : " Under the Fair Credit Reporting Act, information we send to the credit reporting agencies must accurately reflect your account activity and status. Unfortunately, we can not accommodate your request to remove the late remarks you requested. We do not offer courtesy amendments or amend credit due to XXXX XXXX. Reports from other credit reporting agencies may contain outdated or incomplete information. ''
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, a cashier check ( {$11000.00} ) was deposited to my account by a potential client, and several hours later, on the SAME day he asked for a refund in cashier check. The reason he wanted a refund was verified to be a false statement. As a credit risk personnel with 15 years banking experience, I know I was at the risk of cashier check scam. 
I requested Wells Fargo to cancel the transaction and investigate the check on XX/XX/XXXX, and 15 days later, I still havent got an update after multiple phone calls to Wells Fargo. 
What is even more frustrating is that my case seems to fall into the cracks : I got a reference number XXXX on XX/XX/XXXX. I was told it didnt enter the system on XX/XX/XXXX and I was given the 2nd reference number XXXX. On XX/XX/XXXX, I was told the first two claimed didnt enter the system and I was given the 3rd number : XXXX. A couple days later, a letter saying the claim number was routed to the wrong department, then I was given a 4th number : XXXX. Why is it so hard to register a claim? Is there any body actively working on the investigation? 

I would like to know when I can hear the final investigation results. And Ill need the result in written. Thank you very much for your help.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2022-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

BSI is my loan services who has charged late fees for 4 months despite having timely paid more than my required mortgage payments. After contact BSI they have failed to explain nor remedy the issue. 

They claimed that one payment in XXXX was processed or received after the grace period even though I have set up auto payments from my bank to be paid with a couple of days at the beginning of each month, and perhaps the mail during the holidays was slow. 

I have always paid my mortgage payments on time and fail to understand how my payment was late given the auto pay process and given 16 days grace from monthly due date I have over paid my mortgage payment by {$22.00} that has previously been applied to added principle and if for some unknown reason it was processed late then the excel payment should have been applied to late payment fees, and it wasnt. 

Concerned that I have been charged late fees for 4 months when my payments were made timely. And these late payments impact my credit and ability to get new financing
Consumer complaint received 2024-04-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (NV)

Company denied application against the law. I applied XXXX, Monday XX/XX/2024. I carry a monopoly in bank with post master and unauthorized inspector General with US mail-box denies account and threatens to send a threatening letter containing inspector General mind altering data. Bank refuse to issue card with correct intitials and keeps trying to put inspector General name on card opposed to US intial first and last include special character space of copyright in birth-given name and surname.
Consumer complaint received 2020-04-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

Contacted Credence EBB and they stated that they would accept {$510.00} to settle on my account and I agreed. Then I requested they send me a bill via e-mail and gave them my e-mail address. I was then told they couldn't send me a bill for the {$510.00} and if I wanted to settle on the discounted amount I would have to pay then and there or just pay the {$740.00}. I then mentioned to Credence EBB that if they couldn ' t send me a bill requesting payment that I would not pay. So, as of this point and especially now with the Covid-19 going on. I will not be paying this collection agency who apparently doesn't like to do business the right way. 

Thank you, XXXX XXXX Creditor Acct No : XXXX XXXX Credit Ref : XXXX
Consumer complaint received 2020-03-17
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. (WA)

Experian and XXXX  are reporting incorrectly a collection in the amount of {$4800.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I had insurance coverage at the time and went to an in-network provider. This charge is in error and was covered. This false reporting of a collection is seriously harming my credit score and  this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2021-06-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (NY)

I was interested in knowing what the closing costs would be if I refinanced my existing mortgage with NewRez. They have been emailing me constantly encouraging me to do so. 

In the process, I was encouraged to apply with no obligation to find out the closing costs. 

Midway through the application process, an agent called, and asked some questions, and said he would run a credit check and encouraged me to complete the application. 

I decided not to complete the application at that point, and have asked him to close it out, but now i am getting radio silence. Have called several times, sent several emails. All i get is auto-responses telling me to complete the application. 

I tried calling the main number and they said i have to speak with him. But i can't reach him and he is not responding to voice messages or emails. And it seems there is no way in this online application to cancel it. 

This seems like predatory practices to me.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (MO)

My daughter paid the credit card company with her bank account. After 3 days it still didn't go thru. I myself paid the bill again b4 the XXXX when my payment is do. They still process another payment with updating my acct number after I spoke with them and gave them the correct number!!! They took it upon theirselves to close my acct without warning, charge me another XXXX bucks for return check and late fee. This is unacceptable. The bank name is XXXX XXXX XXXX ; and actually I thought it was first bank credit card. This credit card company is unprofessional and they are doing illegal practices to get extra money. I have no problem with my other credit cards..just this company
Consumer complaint received 2020-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (IA)

I cancelled my XXXX XXXX XXXX XXXX credit card with Citibank in XXXX, 2019. In XXXX, I received a bill for interest charges related to charges I didnt make. On XX/XX/XXXX, I called and was told if I paid the {$30.00} in interest charges I wouldnt owe them anything else. Although I didnt believe I owed them, I sent a check on the same day. In XXXX, I began to receive harassing phone calls about the money I owed. I called Citibank and was told they had received the check and I had a balance of {$0.00}. I was also advised not to respond to requests for payment. 

Citibank is now demanding {$110.00} in interest and late fees. There appears to be no way to end this cycle.