davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

I had my information stole in a security breach. 


XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$350.00} XXXX XXXX XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$120.00} XXXX  XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} Connecticut Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} XXXX  Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$780.00}
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I had my information stole in a security breach. 


XXXX XXXX  Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$350.00} XXXX XXXX  XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$120.00} XXXX XXXX XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} Connecticut Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$650.00} XXXX Date that I discovered it : XX/XX/2020 Total fraudulent amount : {$780.00}
Consumer complaint received 2024-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC (OH)

The company, The Receivable Management Services LLC, did not provide the requested documents in my previous complaint, and I would like to request them for a second time so I can verify this debt they claim I owe to them. I did not receive any written notification of this debt before it was reported on my credit report. The previous document the company provided is not what was requested and does not show proof that they own any debt or that I owe this company anything.

In light of this, I kindly request your assistance in furnishing the following : 1 ) Certified receipt : A document confirming the delivery of a notification to me 30 days before reporting the account to my credit report. It should bear my name as the recipient.

2 ) Purchase agreement : A legal contract outlining the terms and conditions of the purchase between your agency and the original creditor regarding the debt in question.

3 ) Documents with my signature : Any paperwork or agreements that bear my signature and are relevant to the debt being pursued by your agency.

4 ) Statements : Financial statements or records showing the details and breakdown of the alleged debt, including any charges, fees, or interest accrued, along with a clear explanation of how the total amount owed was calculated.

Your cooperation in providing these documents will be greatly appreciated and will aid in resolving this matter efficiently. I want to reiterate my previous request to the Consumer Financial Protection Bureau ( CFPB ) complaint ID XXXX regarding the purchase agreement.
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX XXXX opened a credit card for XXXX XXXX Using my social security number ending in XXXX My legal name is XXXX XXXX XXXX of {$740.00} XXXX XXXX XXXX XXXX XXXX  Open account XX/XX/XXXX XX/XX/XXXX {$740.00} XX/XX/XXXX {$740.00} Individual account Comments : Placed for collection Contact Information : XXXX / XXXX. 
XXXX  RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (TX)

I have tried multiple times to dispute this inaccurate and incomplete information with all three credit bureaus. They have all fail to comply with FCRA Section XXXX ( a ) ( XXXX ) ( A ) verify, through physical verification the original signed consumer contract. I have requested proof of this alleged account numerous times. I have NEVER been supplied with it, because no such account exist. Failing to show proof per the FCRA the item must be removed from the credit report.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

I have sent over 4 different letters to Experian with my filed dispute. I haven't gotten any responses to the letters, only notifications that my dispute was completed. no relevant information nothing. they're basically ignoring me
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

I opened this account in XX/XX/XXXX ( I think ) to allow me to make payments on a new furnace / air conditioner for my home. My old furnace did not work anymore. I went to a local HVAC dealer / installer and they presented me with 2 financing options through Synchrony Bank. One option had a low interest rate for however long the balance was unpaid, the other option offered a promotional 18 months 0 % interest but would jump to 25 % interest after the promotional period ended. I chose the promotional option and opened the account with a balance due of {$6700.00}. 

What was not explained to me is that at the end of the promotional period if the balance was not paid in full, interest from the inception of the account at the rate of 25 % would then be added to my account in one lump sum and then I would also be charged 25 % interest going forward. 

I missed my payment for XX/XX/XXXX. I logged into my account to make a payment on XX/XX/XXXX and found that {$2800.00} was added to my account as one lump sum in XX/XX/XXXX. My previous balance was {$3600.00}. Now due to the lump sum interest and 25 % interest on my balance since that time, I now owe {$6600.00}. 

I called Synchrony in the evening of XX/XX/XXXX to explain my issue and to see if anything could be done to reduce the lump sum interest charge of {$2800.00}. The representative stated the only thing she could do is take notes and submit to someone else for review. In a nutshell, she stated I signed the papers so I should have known. 

I need help with this. All the payments that I made since my account opened in XX/XX/XXXX are now gone. I can not afford to throw all of that money away.
Consumer complaint received 2022-05-26
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NE)

I closed my XXXX 's Card back in XXXX of 2008. It is still showing up on my credit report, twice. I would like them to both be removed. The balance has been paid off a long time ago. This is effecting my credit score and I am currently working to get this score higher.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2021-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This will make my third time having to file a complaint on all three bureaus they report back to the CFPB that its being worked on and its not actually being worked on a follow up with phone calls I keep getting people from overseas dont understand English and then when I do get a hold of them then they take me through like Im not the one here being exiled for someone using my identity, So as I have spoken with a supervisor at all three credit bureaus Transunion , XXXX , XXXX and they all have ask that the FTC affidavit be attached with the email from the police report saying that it was approved as well as my drivers license and my social and proof of residence I have attach these items to this after sending it in for the third time I hope this is what youre looking for. Most of the items of The items have been removed America first closed account is on a police report it needs to be removed immediately as well as a XXXX XXXX for {$1100.00} that is to be removed immediately this is what was discussed it all three are documented in my account but this is all that they were waiting on to have these items removed blocked delete it thank you for your time. I have attached all of the items that were sent to each individual credit bureau three days ago will sign confirmation cards that they have been delivered.
Consumer complaint received 2019-12-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (CA)

Loan Depot is Dual Tracking. 
I submitted a loan modification and on XXXX I was told the file in being reviewed nothing need. I have a sale date for XXXX and I was told that since my file is under review for a loan modification, that my sale date would be postponed, it was currently on hold. 
I called daily to the point where i was told that if anything was needed they would mail me out a letter. 
On Wed XX/XX/2019, I was speaking to Mr. XXXX, and he told me my file was no longer in review for the loan modification. He stated that they closed it out but would look into the reason why, and call me back. He stated he escalated the issue. 
No one ever called me back! 
On Thursday XXXX XXXX I called Loan Depot back and they told me that they closed my file due to not having enough time to review the file. She stated by Law that they need to have the file 14 days prior to the sale date. 
I told her that they did have it, i met that time frame. She stated I didn't as the letter they mailed to me stated that " it can not be reviewed due to receiving the application less than 15 days prior to the sale date. '' I asked her for a copy of the letter to be faxed or emailed and she refused. She stated I need to wait for it to arrive in the mail. 
What this representative stated to me today, contradicts everything that i was told by her and all other representatives. 
The issue I have with Loan Depot is the following : I was told my file was in review and nothing was needed and my sale date was being postponed. I contact an attorneys office today and they stated what Loan Depot is doing is called Dual Tracking. Which means Loan Depot is processing a submission for a loan modification while also pushing the homeowner through the foreclosure process at the same time. 
That is illegal. At this point I feel that I was lied to by Loan Depot as well. The 2 days that I didn't call this is what happened to my file! 
I needed to submit this complaint so that they dont lie and give false hope to anyone else.
Consumer complaint received 2024-04-12
Product: Credit reporting 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. (TX)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (MI)

On XX/XX/2021, I called into my mortgage servicer, Quicken Loans/Rocket Mortgage, about the end of my forbearance plan and reached XXXX. XXXX obfuscated the fact that I could take advantage of the XXXX XXXX  COVID-19 Payment Deferral program by implying that I would be eligible only for a loan modification until I asked him directly whether he was telling me that there was no way for me to take make use of the XXXX XXXX  COVID-19 Payment Deferral program. Even then, he was unclear, and I had to ask him, very specifically, " What would I need to do to be eligible for the COVID-19 Payment Deferral program? '' Either he was assuming that I wouldn't/could n't make two payments without actually confirming this fact by asking me directly, or he was intentionally making it difficult for me to ask for and use the XXXX XXXX COVID-19 Payment Deferral program. 

It turns out that, at this point, to be eligible for the XXXX XXXX COVID-19 Payment Deferral program I would need to make two mortgage payments ( {$2500.00} ) tonight, a fact that was never disclosed, alluded to, or addressed at any point during my " forbearance check-ins '' or at any point at all. 

It is unfortunately true that Quicken/Rocket similarly obfuscated the option to enter into forbearance early in the pandemic, when the option was first available. The only reason I was able to take advantage of the forbearance was that I had read extensively about the forbearance options being made available by XXXX XXXX.
Consumer complaint received 2021-10-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I sent all three credit agencies a letter on XX/XX/21. It is now XX/XX/21 and i have not seen a investigation letter. It is more than 60 days. This is a misuse of my credit profile. Please delete
Consumer complaint received 2019-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (WA)

This is regarding my personal checking account from Harris Bank BMO. I requested the account closure in late XXXX of 2019 and a check was supposedly mailed to me on XX/XX/XXXX. 2019. After a few days, weeks, months of not receiving the check, I placed multiple phone calls to determine the whereabouts of my funds. 

BMO Harris bank initially replied that the check was lost and as of XX/XX/XXXX the funds were returned as they may have mailed the check to the wrong address where it was returned to BMO Harris bank as undeliverable. 

I need my funds to pay off my car loan. BMO Harris Bank is stating that I must now wait their banks policy of 90 days before another check may be issued. I have communicated this to multiple individuals at BMO Harris bank, the last and most senior individual being a MrXXXX XXXX XXXX.
Consumer complaint received 2023-11-03
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. (VA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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. (NV)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ALLIANT CREDIT UNION (TX)

Subject : Request for Assistance : Activation of Tap-to-Pay Feature on Alliant Credit Union Credit Card I am writing to bring to your attention a concern I have regarding the tap-to-pay feature on Alliant Credit Union 's credit card. 

As a valued client of Alliant Credit Union, I have noticed that while the credit card is equipped with chip technology for tap-to-pay functionality, this feature remains inactive. Given the growing popularity and convenience of contactless payment methods, I am surprised by Alliant 's decision to not enable this feature. 

In today 's fast-paced world, contactless payment options have become increasingly important, offering a convenient and hygienic alternative to traditional payment methods. With the tap-to-pay functionality, transactions can be completed quickly and securely, benefiting both customers and merchants alike. 

I kindly request your assistance in urging Alliant Credit Union to reconsider their stance and activate the tap-to-pay feature on their credit cards. Doing so would not only enhance the overall user experience for their clients but also align with the industry 's shift towards contactless payment solutions. 

Thank you for your attention to this matter. I appreciate any assistance you can provide in addressing this concern.