davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Hi, My problem is with Walmart/Synchrony Store Credit  Card. 
I was promised a {$25.00} statement credit for signup. That never happened after signed up. Thats problem # 1. 

Now the credit are repeatedly assessing $ 50+ late fee every month after payments above minimum required was shown in online statement. Also, automatic payment was also setup to automatically make payments. 

The fraud of this store card is that its limited to {$100.00} credit limit. Yet they were creative in popping my balance with fees to above {$100.00} limit. 

I spoke with a manager over the phone and she's seems unwilling to help or even acknowledge the erroneous fees with a " XXXX u '' attitude over the phone. I ask them to freeze all activity while investigating it. Yet they refused and then ruin my credit report score after the phone call. This store card unit is very vicious and fraudulent. 

I respectfully seek the help of the CSFB to rectify all the problems here. 
# 1. Remove all the erroneous late fees and continued fees after call to manager. 
# 2. Remove all negative erroneous entries on my credit report after call to manager. 
# 3. Assess heavy regulatory fines on to this organization that creatively make financial problems for consumers.

# 4. Where is my statement credit for signup.

# 5. Close this card that still continue to negative financial things after talking to manager to cease and desist all these activities. 


In relative context, I have other credit cards that have limits much higher than this {$100.00} store card ( Walmart/Synchrony ). This organization 's store card is problem pit and should be fined heavily and removed from consumer markets. They got my attention and I am putting effort in fix it and tell consumers not to patronize this.
Consumer complaint received 2023-03-25
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. (IL)

I am submitting this CFPB Complaint to dispute the inaccurate and erroneous information that has been reported on my credit report by your credit bureau. I am requesting that you correct this information as soon as possible. Upon reviewing my credit report, I have noticed that the information reported is incomplete, inaccurate, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable state and federal laws. Specifically, the following information reported on my credit report is disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$340.00}. As a result of the inaccurate and incomplete information reported on my credit report, I have suffered significant financial harm, including denial of credit, employment opportunities, and higher interest rates on loans and credit products. Under the FCRA, I have the right to have accurate and complete information reported on my credit report. Your bureau has a duty to investigate and correct any inaccurate or incomplete information within 30 days of receiving a dispute notice.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CO)

Chase Bank is refusing to take responsibility for late payments that were reported on my credit report as a result of their phone agent setting up payments incorrectly during a request for enrollment in a hardship program. I had 3 different accounts set up under the hardship program, 2 of which were set up correctly and reported correctly. However, the third account was set up with automatic transfers on a date that would cause a rolling 30 day late payment to report on my credit report. I called in to set this up around XX/XX/XXXX, only 11 days after the payment due date. Chase has claimed I was already 30 days past due which is incorrect. They keep lying to me on the phone despite my having evidence of the date I called in and the dates the payments were set up. They refuse to take responsibility by setting up the dates incorrectly and not informing me that the date they did choose would put me in a late pay status. The payment amounts were set up to cover more than the statement minimum payment, and I completed the hardship program payments as directed but still have derogatory marks on my credit. This is hugely frustrating and unfair to the consumer.
Consumer complaint received 2024-02-23
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2021-06-26
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. (TN)

I've been disputing with the three bureaus for a very long time, now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do NOT belong to me / late payments that I'm not aware of.

*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can keep such information on my credit report with no proof of verification of debt owed no hand written signatures no Nada. Please help me cause I'm taking this to the next level after this.
Consumer complaint received 2019-09-04
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: Experian Information Solutions Inc. (OH)

I have been a victim of identity fraud twice which was reported and I have tried to dispute the unauthorized inquiries with all three credit reporting companies, however I have had no luck and have received automated letters back all stating the same information as to why they can not dispute or investigate the information I have submitted to them. This all started back in 2013 when someone gained access to my information and filed taxes in my name to going to a dealership this past weekend and them submitting my information to different companies without my authorization.
Consumer complaint received 2018-11-21
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: Navient Solutions, LLC. (MI)

I had an account with Navient ( at the time it was called Sallie Mae ). The account was opened XXXX, XXXX. I defaulted in XXXX, XXXX. The date of first delinquency is XX/XX/XXXX. Navient began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact. 

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be  published. In this case, consumer repeated was required to cease XX/XX/XXXX. 

Despite being informed of this requirement and being asked to stop, Navient has continued to issue illegal consumer reports on a monthly basis, most recently in XX/XX/XXXX. 

I submitted complaints regarding these illegal consumer reports to XXXX, XXXX, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. XXXX and XXXX failed to resolve the issue. When I contacted XXXX and XXXX, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking Navient if the information was correct and then accepting their answer without any analysis. The XXXX phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint. 

When speaking with XXXX  and XXXX regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it. 

There have now been three mock investigations performed by XXXX  and XXXX. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (OH)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2018-11-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

As of XX/XX/2018 an unauthorized transaction took place, my account was debited XXXX by Portfolio Recovery. Prior to this transaction I made an payment of XXXX on XX/XX/2018, during  this call I was asked by the CSR did I want my next payment automatically debited I replied no I would call in for my next payment, but low and behold they went into my account and took the payment unauthorized.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Telerecovery Corporation (LA)

This company has more than one account that they are saying is mine. It's original creditor is a hospital and I am on a XXXX  XXXX insurance. I don't even think that I was there for all of the alleged claims!
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

A Business Account was opened without Promised Award XX/XX/2022 Opened a business account per Wells Fargo Promotion Code to me on XXXX XXXX at XXXX XXXX XXXX XXXX office with Banker XXXX XXXX. 
( Code # XXXX ) It states that {$1500.00} will be awarded with {$5000.00} deposit. Picture of this promotion code is available upon request. ) I was informed by a few friends that the award was showed up on their account. However, I did not receive this award. 
XX/XX/2022 I called Wells Fargo on XX/XX/2022 ( XXXX, XXXX & branch office XXXX ). I was funneled to credit card award office at the end of each call. After long discussions, I was told that I need to talk to the branch officer where I opened my account. 
I could not make a reservation to visit this XXXX XXXX branch ( later it was also verified by Banker XXXX XXXX at XXXX XXXX XXXX Banker ). Therefore, I made a reservation to stop by XXXX XXXX XXXX XXXX with Banker, XXXX XXXX. 
XX/XX/2022 I visited this branch on XX/XX/2022 to show my related information ( account, promotion code, my ID, etc. ). XXXX reviewed all information and stated that this promotion code did not attach to this account, therefore, I could not get this award. He was nice to document my issue and promised me that he would submit to a proper channel to resolve this issue. 
XX/XX/2022 It has been more than 2 weeks and I received no information from Wells Fargo. I checked my account, {$1500.00} is not award to my account. I need your help to resolve this issue.
Consumer complaint received 2022-04-05
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Since XX/XX/XXXX my primary account has been on hold. I cant access even the money that is in my available balance. I need to pay my rent and its frustrating that theres no one who can give me an answer
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (UT)

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This collection is paid off and I should not owe any balance on this. This should be deleted off of my account, I have already paid it.
Consumer complaint received 2024-02-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 ) A security was also Bartered with XXXX XXXX XXXX
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

Chase bank after being informed that my mother died, Denied that there were funds in my mothers bank account after I presented them with a small estate affidavit. Two weeks later XXXX XXXX sent my mother a thank you note for a car that was supposed to have been repossessed. Chase refuses to answer the question, " If there was no money in the account how did XXXX XXXX receive an XXXX payment. I am tired of Chase Bank they have continually committed fraud on my mothers accounts. My mother made XXXX per year and was never granted a credit card or a line of credit. She had 6 accounts with Chase, I'll have to find all of the account numbers. 
Walker
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NJ)

In XXXX of XXXX I reached out to ALLY Auto Finance letting them know that XXXX XXXX XXXX XXXX XXXX XXXX brought my car and I was no longer the owner of the XXXX XXXX XXXX with XXXX # XXXX in which was traded on XX/XX/XXXX. Ally Finance reported to XXXX, XXXX, And XXXX that I was XXXX days late on my payment in which this reporting is inaccurate, I have always been in " good standing '' with my auto loan with ally finance since buying the car and I want this reporting deleted and or updated to on time payments and " Paid as Agreed '' because it is not acturate please update this admittedly on my credit report.
Consumer complaint received 2018-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (TX)

I have been disputing the alleged debt with Dynamic Recovery Solutions since XX/XX/XXXX. I have asked on three separate occasions ( XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ) for them to validate the debt and they respond by sending me a bill. Not once have they provided me with validation, yet they continue to send me settlement offers and call demanding payment.
Consumer complaint received 2019-09-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (TX)

Medicredit, Inc. has called me from XXXX and hangs up after a recorded message. I performed a reverse telephone number search and saw they were a collection agency. The Medicredit invoice/statement just came in the mail, dated XX/XX/2019 and they have already started harassing phone calls 2 days after mailing, much sooner than the 30 days before their due date to respond. I called them back and I told them that the medical bill that has the same total amount due has been paid and if they contact the creditor agency they would confirm the bill has been paid, but they refused to talk to me unless I reply back to their questions that involved very personal private information that would allow IDENTITY THEFT under the guise that they needed to verify who they were speaking to. I refuse to give out such private protected information over the telephone, especially to anybody I do not know. The Creditor Name and Creditor Account number do not match the doctor 's office bills ... so evidently they also do not keep good clean records. 
PLEASE address this issue of their hang-up calling to bait people into calling back, and their requesting very private personal information that easily could be used for Identity Theft. Their agent on the telephone got to the point of rude verbal harassment, so I just hung up.
Consumer complaint received 2022-07-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC (GA)

XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX There have been numerous times, where this debt collection agency has called me attempting to collect a debt that I have disputed in XXXX of XXXX and they have failed to submit the requested documents showing that they are legally able to collect this alleged debt, as well as prove that this debt belonged to me. At this point, this is harassment and not to mention a violation to my rights as pursuant : 15 USC 1692 ( 5 ), " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number '' ( which results in 4 phone calls within 7 days, as listed ) 15 USC 1692b ( 2 ), " not state that such consumer owes any debt '' ( agent expressed I owed a debt with XXXX ) 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates '' ( I did not authorize or give permission for this agency to place any collection on my consumer report )
Consumer complaint received 2019-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I sent money ( {$1600.00} ) with XXXX from Wells Fargo Online account on XX/XX/2019. 
Money was sent via email address to a person known to me and to an email address that I have used to communicate with her. The money was not received. I filed multiple claims with Wells Fargo Bank. I was on a conference call with WFB and the person I sent money to. WFB knows the person did not receive the money. 

Wells Fargo notified me that the transfer was processed and there is nothing more they can do.
Consumer complaint received 2019-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing because as a client of Bank of America, N.A. they claim to be able to have the right to foreclose by the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ). Their reason for this decision in the letter happened because they have already contacted the borrower to assess the borrowers financial situation and to explore options for the borrower to avoid foreclosure in accordance with the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ). However, prior to this letter I, the client, XXXX XXXX XXXX have sent out three previous Request for Mortgage Assistance Applications to Bank of America, N.A. in the result of having the only option to Short Sale. These Request for Mortgage Assistances which I have sent out in the past have also contained all of my contact information needed to be able to discuss the matters on my current finances, which concludes that there is no excuse to the absent amount of information needed to contact me on such matters. To conclude, the letter of California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ) is in short, void because Bank of America, N.A. was able to make initial contact with me and explore more options with me, XXXX XXXX XXXX from the time I sent out the first Request for Mortgage Assistance. 

Also, the California Declaration ( Civ. Code 2923.55 ( b ) ( 2 ) ) they used was signed and dated on XX/XX/2019, which can not be used for my current Notice of Default which is dated XX/XX/2019. Therefore meaning, that both documents together are not legal and are void to continue forth with the procedures of foreclosure.