davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2019-12-08
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. (TN)

On XX/XX/2019, I mailed the attached documents to TransUnion, LLC. and asked that they provide an original, signed contract from The Key car company. 
If they couldn't provide me the information, I demanded they remove the item under FCRA 609 ( a ) ( 1 ) ( A ). They returned my investigation results as the account being verified without providing me the original, signed contract.
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (MI)

RE : Discover Credit Card acct ending in XXXX ; with unauthorized uses, requested a " cease and desist '' Discover refuses and continues to call me 3-4 times every day. 
Summary of facts : - I opened a Discover card in XX/XX/XXXX account ending in XXXX, - I used this card one time in the first month i received it -This account was paid off completely and never used by me or anyone I authorized. 
- I had actually forgotten I even had the card But then : - a month or so ago I began receiving collection calls from Discover, I informed them this was not my charges to please stop calling, - Discover never stopped calling, they call me 3 to 4 times every day - I am not home, due to work from XXXX to XXXX - I am XXXX yrs old, with a XXXX XXXX among other illnesses and exhausted - On XX/XX/XXXX ( Saturday ) after receiving more calls that day, talked to Discover, the representative said I owe over {$5000.00}, I again informed the representative these charges were not mine. 
-I was transfered to someone else, I believe from fraud dept. 
- NOTE : the Discover rep never asked me verifying information - We went over charges and they informed me which accounts have been used to make or attempt to make payments _I was very surprised I was able to obtain all this information without providing the necessary information to identify who i am. So i am thinking, maybe this is how whoever did use my Discover account was able to put on this charade for so long. 
- PLEASE : I implore you to listen to the call on XX/XX/XXXX- It was record and incase Discover tries to claim they do not have this recording. I did record most of it myself and would be happy to give anyone access. 
- What surprised me more was although I informed Discover these charges were fraud or ID Theft. They never considered filing a report. 
- Discover rep even admitted to me mistakes they made - I have disputed this account as part of ID Theft and requested it this trade-line to be deleted or blocked from my credit report -Discover has refused to do any of this or anything they a required to do under the law. 
-Discover is reporting the account as negative on all my credit reports - I am again demanding a CEASE and DESIST with this account and Demanding it be removed from my Credit reports. 
- Having negative information on my credit report jeopardizes my employment. My employer pulls my credit report at least 2x every year and always near the end of the year. Therefore, I am in immediate risk of losing my job and at my age that would destroy my life. 
-I Must work 4-5 more years to have enough to live on through retirement. 
- I have never missed a payment on any account that is mine in my life. 
THESE CHARGES DO NOT BELONG TO ME AND DISCOVER WILL NOT STOP HARASSING ME AND IT IS HAVING AN IMPACT ON MY PHYSICAL HEALTH. 
I just do n't understand why Discover will not follow the law, they know what the law requires.
Consumer complaint received 2020-01-14
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. (WA)

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 4, 5, 6, 7 and 8 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-01-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (MS)

My XX/XX/XXXX and XX/XX/XXXX payment ( combined as double payment ) was misapplied and labeled as returned by mortgage company. In XXXX I made 2 payments as well to catch it up. XXXX payment made on time, XXXX payment was missed but XXXX was on time. XXXX I paid {$1300.00} on a mortgage that is supposed to be {$1000.00} a month as part of a repayment plan. XXXX I made the same payment and was advised I would be on this plan until XX/XX/XXXX because I was behind 2 payments. Upon further investigation I found the issue as a misapplied XXXX payment as well as one missing XXXX payment. XXXX XXXX is placing burden of proof on me - which I submitted via bank statements and payment breakdown and confirmed with my banks the payments did in fact clear- and VU told me the process has no timeframe for completion. Meanwhile my account has been reported as delinquent for a YEAR and i have incurred fees. I need this fixed ASAP as well as my credit report updated and i am more than happy to provide any and all documentation supporting my claim.
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-01-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RESIDENTIAL HOME FUNDING CORP. (NY)

On XX/XX/2018 I closed on my house with a loan from Residential Home Funding Corp . The mortgage officer XXXX XXXX was incompetent at times and became unprofessional and rude when he didnt want to correct or admit his mistakes. He strung me along in the process and gave me misinformation regarding home insurance, down payment and interest rate. He also repetitively lost my paperwork. When closing was near, I felt pressured into taking a sky high 5.5 % interest rate on a {$280000.00} FHA loan ... which made my payments about {$2700.00} a month. Concerned about the high payments ... he told me it was just because of the {$8000.00} yearly taxes that my mortgage payments were so high and that its worth it and I I dont get a better deal. 

One month after my closing date Residential Home Funding Corp transferred my mortgage to XXXX XXXX XXXX. Ever since, I have been late on making many payments and I am struggling to avoid the foreclosure process. My credit is ruined and I cant even apply for an FHA streamline mortgage bc of my late payments. To add insult to injury Residential Home Funding Corp called me to tell me that XXXX XXXX no longer works with their company ( Im guessing he was fired ) and they lost my paperwork ( child support paperwork )! 

I do believe I was a victim of a predatory mortgage loan and I plan to seek civil compensation for the financial damages this mortgage loan has done to my current situation.
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

A friend decided to use my card and rent a car from XXXX I was a little upset at first but I got over it. But she picked it up at XXXX XXXX  and at XXXX that same morning it broke down she could n't drive it had no brakes. We called the guy we rented it from and he said he would swap it out for another vehicle seeing the rental agreement was for 3 days at the sum of XXXXwell we never got a replacement in fact the car sat in the place it broke down for almost 10 days until someone stole it ( have report ). Bank of America refuses to credit my account and closed the case without even asking me for my side of the transaction. Nice research dept.
Consumer complaint received 2020-01-14
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. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$14000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and I was covered by insurance with XXXX. I have attached a copy of my insurance and I have also attached a copy of the Incident Report ; Case Number XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was surprised when reviewing my credit report and found a 30 day late payment on XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2023-02-09
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

My credit score dropped from XXXX to XXXX for no apparent rason with Equifax and XXXX on XXXX. I have just recently uncoveed the culprit behind these egrigous errors. That culprit is XXXX. Apparently XXXX has erroneously put my account into collections without my knowledge back in XXXX when I had disputed a final bill they sent me. XXXX sent me a false bill of {$590.00} in XX/XX/2019. I disputed this bill beause it was wrong. I filed a complaint with the New York State Attorneys office in XXXX showing XXXX   corrupt actions. In XX/XX/2019 I received an email from XXXX where they made the final adjustments to the bill leaving a balance of {$220.00}. I paid this bill on XX/XX/2019. The bill should never have been sent to collections. This illegal action was retaliation from XXXX because I filed a complaint with the New York State Attorney General.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-16
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: EQUIFAX, INC. (MI)

AXXXX XXXX XXXXes REFUSE to remove the invalidated inaccurate us dept loans. 
Some charge offs and late payment history Ive sent more than 5 letters Made more than 6 complaints with the companies yet all I get that is accurate when its not. Ive filed a fraud alert/ my complaint from the ftc .
Consumer complaint received 2024-03-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 

Details of the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-24
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. (SC)

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX XXXX ) Experian Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1000.00} No. of Months ( terms ) : - High Credit : {$1000.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Experian XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$1500.00} No. of Months ( terms ) : - High Credit : {$1500.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you had 30 days to complete your investigation, yet you have failed to respond. Your continued delays are inexcusable.
Consumer complaint received 2019-12-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2019, at XXXX XXXX, I received a called from a collection agency " Midland Funding LLC on a Sunday. I owe the original creditor, ( XXXX XXXX XXXX  ) balance owed {$1000.00}. When I received a missed called at, XXXX XXXX  from Midland Funding LLC. I called the number back,XXXX ; a collection customer service agent answered. I inform her. '' you'll not be called me on " Sundays ''? The agent stated she did not know whom I called, however, can I get your phone number for security purposes? repeated the first statement, " you can not be called me on Sundays I told her I'm hanging up now, have a great day! I did my research collections agencies can not call debtors on weekends. I know I owe them money, however, I will not be harassed on Sundays.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. This accounts were not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity. 
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 XXXXXX/XX/XXXX ) This are theft and was not initiated by me. I demand they are DELETED IMMEDIATELY.
Consumer complaint received 2022-10-03
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019, I received a promotional offer to my XXXX account, XXXX from XXXX, titled : Explore More : Score XXXX Bonus Points. In the body of the message, it states : XXXX, earn 75,000 bonus points with the Marriott Bonvoy Boundless Credit Card when you spend {$3000.00} in the first three months from account opening. 

This message was received on XX/XX/2019 at XXXX XXXX, I then clicked on apply and applied for the card after receiving this e-mail. I spent over the {$3000.00} amount, and in XX/XX/2019 I called chase to ask about my rewards points. The chase representative told me I should receive them in XXXX. By XX/XX/XXXX I still had not received my points, so I called again, and was told by chase that they would issue a request to the marketing department to see if they can switch my promotion offer. Apparently, my 75,000 bonus points offer was never applied to my account, and some other promotional offer was on my account instead. The representative said I should receive a letter in 1 week explaining the decision. 

It is now XX/XX/2019, and I have never received the letter. So I called Chase again, and was told over the phone, that chase marketing has decided to deny my request, as : too much time has passed. 

Chase has failed to correct this situation, and I could use help from the CFPB to resolve this matter and ensure it does not happen again to other people. Thank you
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IN)

I ordered a vinyl storage shed from XXXX store in XXXX XXXX Indiana the cost was XXXX including a XXXX delivery fee. The shed was never delivered. When I called XXXX they said it was picked up from the store. The person who picked it up was not me.now I have this charge on my lowes credit account and the lowes store and the synchrony bank will not remove it. I have been fighting this since XX/XX/XXXX.