davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

Hi my name is XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-09-13
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: SYNCHRONY FINANCIAL (GA)

SYNCHRONY BANK committed fraud when they created an account on my behalf ; Pursuant to 15 U.S. Code 1693 ( a ) Account means savings account or deposit account. I the consumer have never done so nor will I ever. The language used on the bill was that youve given me XXXX but you say that I owe you. When a debt is owed it is shown with ( - ) before said amount, so this means that Ive been credited. As a consumer with open ended credit, I want my account credited. I am REFUSING TO PAY BECAUSE I AM THE MASTER CREDITOR AND ISSUER OF CREDIT. I am not giving you permission to cancel the terms of service and I will not be paying this alleged debt nor any future alleged debts.3. Take Notice, that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you SYNCHRONY BANK used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt.7. You SYNCHRONY BANK are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I, a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; 9. Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you SYNCHRONY BANK is stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 )
Consumer complaint received 2020-03-28
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: TRUIST FINANCIAL CORPORATION (PA)

On my credit report there are hard inquiries that I had from companies that I did not give my consent to and that I don't have an account with at all.. that makes improper use of my report.. 

XXXX XXXX XX/XX/2019 Bb & t dealer XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX  XXXX- XX/XX/2019 XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX card - XX/XX/2019 XXXX - XX/XX/2019 XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I field a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment in XX/XX/2020 to my report which is incorrect and I am asking this be deleted immediately.
Consumer complaint received 2021-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (SC)

I've contacted all 3 bureaus and they are not responding to the dispute letters that the dispute company has been disputing all negative items on my credit report. I've advised i should not have to get a police report. Aint no way they discriminating and don't want me to have good credit. I've called all 3 bureaus and advised them those negative items are not mine. Its been way over 8 months and no one has responded to none if the disputes that has been sent to them. Everything has been certified and still no communication. They are not doing their jobs. As per the fair reporting agency they supposed to respond within a reasonable time..its been way over 8 months ans I haven't got anything. Also as per the fair credit reporting act if a collection was sold it is no longer mine. So again all negative items Needs to be removed off my report..
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (TN)

I want to spread the word about American Express Serve they are suspending accounts or closing them when our stimulus and tax returns hit the account preventing us to have no access to our funds. I can't even login into my account to access my {$4300.00}. I get my XXXX, work pay, tax return and stimulus on this account and no way of accessing my money. As soon as my stimulus hit my account they suspended my account. I called and a representative told me there was nothing they can do and hung up on me. I called back and was on hold for an hour only to get the same scripted message there was nothing they could do and I should write a letter to a GA po box requesting for my funds to be sent in a check and even then it is not guaranteed that it will be approved. I been using them for over 10 years and never experienced this. I have no money for diapers, tissue food. I have to find another bank for my payroll. I am not the only one who is going through this. Attached to this email is a list of people in a American express Serve XXXX who are going through the same thing im going through. 

I can't even hire an attorney because they have all my money. The word has to spread that these people are crooks. I did a complaint with XXXX and it looks like every since the first stimulus they've been doing this and having complaints about them stealing people money by closing their accounts. 

Please help spread this word people are suffering and need this money.
Consumer complaint received 2023-02-01
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: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX XXXX 15 U.S.C 1681s-2 ( 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 2021-03-13
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: GOLDMAN SACHS BANK USA (VA)

I noticed my credit rating had dropped from XXXX to XXXX and that I was issued an apple card through bank XXXX with a credit limit of {$10000.00} which I never applied for. It showed I had a late payment and I was only aware of this card when I saw the credit report. I called the bank and cancelled the card and they dropped the charges. I have never used this card, never issued a card, never received a bill for this charge, and the email account on file with the card is an email address I have not used in more that 3 years.
Consumer complaint received 2020-03-26
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. (CA)

XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern :  I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
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. (NE)

A collection account with XXXX XXXX, XXXX was removed from my Transunion credit report. However, my credit score did not increase due to the removed collection account from my credit report.
Consumer complaint received 2021-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

ADDITIONAL LOAN CARE PRINCIPLE PAYMENTS NOT APPLIED TO MY MORTGAGE CORRECTLY. BANKING IRREGULARITY AND MISSING {$19000.00}!!!!!! 

I have sent over 5 requests over the last 2 years to Loancare to get this issue corrected and these banking errors consistently keeps happening. LoanCare is illegally not applying my extra principle to my loan. They send a automated reports of payments in the mail then close the complaint but the issue is not fixed. I AM MISSING {$19000.00} OF EXTRA PRINCIPLE NOT PROPERLY APPLIED TO MY MORTGAGE. 

You will see my previous complaint this with company that went unresolved! I have several complaints with the CA Attorney Generals ' office.

I am ready to seek an attorney. There have been several CLASS ACTION SUITS against LOAN CARE bank. They deliver the worst customer service and go out of their way to misappropriate funds, never have a manager call you back and hang up on you when you ask detailed calculation questions. I have spent 100 's of hours trying to resolve this issue and think they should be investigated and held accountable. 

XXXX XXXX XXXX ATTN : Consumer Solutions Department XXXX  XXXX XXXX Virginia XXXX, Virginia XXXX
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

Since XX/XX/XXXX I have been discussing a payment plan with my Mortgage company. By phone I was informed of a plan that would be arranged for me from XXXX to XXXX. They told me to pay from XXXX to XXXX XXXX {$680.00}. Then in XX/XX/XXXX to pay {$1300.00}. Then in XX/XX/XXXX I would start to pay {$750.00} a month. I paid {$700.00} a moth instead of the {$68000.00}. This went on until XXXX XXXX. In XX/XX/XXXX is when they set me a letter about the forbearance that the amount of {$700.00} was to avoid " Foreclosure ''!!! I thought it was towards my mortgage. Now my mortgage is of course backed up for months!!!!. So now again I've asked for a Payment Plan in order to be able to pay my mortgage. They've had me in review since XX/XX/XXXX to see if I qualify for a payment plan. Now its XX/XX/XXXX and they inform me I do NOT qualify for a payment plan, and now I owe {$11000.00}. I have called every single month to get some answers to no avail. I have offered to pay my mortgage, I even sent a check in XX/XX/XXXX for mortgage payment and they returned it. Now they want me to pay the full amount of {$11000.00}. So my question is, why do you think I was asking for a payment plan? I'm totally confused and angry. I have documentation of Request for Mortgage Assistance & their response, I also have my statements.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the Metro 2 Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2021-09-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

I have a private Student loan with Navient that I was originally forced by XXXX XXXX in lieu of a federal student loan. I was not provided my options at the time and was believed I was getting a Federal Student loan. The loan then went into deferment while I went after another degree. I had no idea that the loan would Ballon to over {$20000.00}. The lender will not work with me to get the loan payments affordable and it has been a financial burden for many years now. This is money that has been thrown away for a unless degree and the loan has a high interest rate. I was not able to discharge it in Bankruptcy and the current status is not fair.
Consumer complaint received 2021-03-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I contacted EQUIFAX about my credit score going down 82 points with NO REASON. I have NO new accounts ive been working on my credit for the past few years. My credit score with XXXX  is CORRECT XXXX pts BUT my credit score with EQUIFAX was XXXX  a week ago and i checked yesterday and it went down 82 points since last week with NO APPARANT REASON. I contacted EQUIFAX filed a complaint. They couldn't give me a reason. My score with EQUIFAX is now INCORRECT please i need help ive been working on repairing my credit SCORE and ive been doing good, I need assistance with resolving this issue with EQUIFAX please.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital one denied my dispute even after providing evidence that I did not do business with company that charged my card. Capital one had no intentions of sufficiently looking into the case and resolving it. I was charged for a transaction I never authorized by a merchant I did not do business with.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America records payment calls in East Coast time. They collect late fees from customers making payments by the time stamp in East Coast time regardless of the time the payment was actually made  based on the location of the customer. There is no notice that phone payments are only considered on time based on East Coast time. I was charged a late fee based on a payment logged as late in East Coast time but that was submitted on time - on XX/XX/2020 - on the West Coast. This is discriminatory and fraudulent.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

on or around XX/XX/2021 I switched phone providers from XXXX  to XXXX. I called XXXX to see balance owed if any. I was told by a XXXX  rep that if i sent in the phone and paid {$150.00} that would end my obligation to XXXX. I did as instructed. return kit sent. mailed phone. paid {$150.00} to the XXXX  rep over the phone.. who stated he worked where returns come to.. verified mine was checked in ... ( XXXX XXXX ) .. transaction complete so I thought.. I discover.. with no warning.. XXXX  contacts a collections agency @ 4 months later saying I owe {$150.00} and reports it to all 3 bureaus. XXXX  has since removed it based on my dispute. XXXX  and XXXX  I cant ( why I dont know ) is not allowing me access to my own credit file to dispute this. XXXX  knows this is fraud. they've done the same to my wife. this matter is paid in full and they have NO credible proof its not. I would like XXXX  to remove this from my credit and if by some miracle the payment i made was lost or stolen i would pay again because this mess caused my credit score to drop a avg of 25 points across the 3 bureaus. my credit score matters to me.. paying {$150.00} twice is hard to accept for me but in the big scheme of things ... regular citizen versus XXXX XXXX corporation.. for me and my family its what im forced to do if collection is removed first. because proving this XXXX cant do
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Tesla, Inc. (CA)

I have a Power Purchase Agreement with Tesla that gives me the option to purchase the used solar system on my home at Fair Market Value as determined by an independent third party. Every time Ive inquired about purchasing the system it is Tesla, not an independent third party, that gives me a positive purchase price at what appears to be an inflated value. Ive requested that a 3rd party whose identity is known and agreed upon by both parties be hired to do an appraisal and provide a Fair Market Value at my own cost as stipulated by the contract but Tesla has repeatedly ignored this request, insisting their value theyve presented to me is from a third party whom they refuse to identify.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: JPMORGAN CHASE & CO. (TX)

To whom it may concern ... my name is XXXX XXXX ... my family and I have recently been affected by the COVID 19 pandemic, not in a health way ... however in a workforce way ... we have been laid off by our employers in XXXX and have absolutely 0 income coming into the household right now. I understand the importance of keeping up with my payments and bills however I have the following outstanding accounts right now : JPMCB CARD for {$2700.00}
Consumer complaint received 2021-09-01
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)

I have recently graduated from college, come to find out that I have fraudulent accounts in my name. 

I have dealt with identity theft for the last 7 years of my life, I have installed all the proper things needed but these banks still open credit in my name for these criminals. 

Under FCRA 615 ( f ). 

I am asking Experian, XXXX, and XXXX  to CEASE & DESIST all reporting of these fraudulent accounts. 

XXXX XXXX  : {$43000.00} XXXX : {$3200.00} XXXXXXXX XXXX XXXX  : {$16000.00} These accounts are the result of identity theft and I attest under perjury that they are the result of identity theft. 

This is a legal request to cease and desist.
Consumer complaint received 2021-06-02
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. (NY)

never applied for any credit cards as i have been working to improve my credit score in the last months. I regularly check my credit report and noticed one day on XX/XX/2021 I had my credit pulled for a inquiry I have never made. I have tried calling XXXX XXXX and Transunion and nobody has been able to even locate the account.