davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

XXXX Customer Service XXXX XXXX XXXX XXXX, PA XXXX Dear sir, Today, I went to XXXX shop of XXXX addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Again, two reward certificates issued your company were denied. XXXX is XXXX, which amount was {$XXXX}. This certificate ending XXXX was reissued as a replacement of previously denied two certificates XXXX and XXXX. Another certificated denied today XX/XX/XXXX of XXXX has the certificate number XXXX, which amount was {$XXXX}. In previous letter to your office, your office employee mentioned the possible usage of self-print out of certificates through its website portal. However, as I mentioned in that letter, I did not know the existence of that print-out system until my realization of the issues on illegal and fraud activities of my financial matters ; therefore, there is no chance to use the self-copied certificates, which your employee might have suggested another channel. Since I have one more denied certificate XXXX, the total amount of denied certificates ended up at this moment {$XXXX}. The list of certificates numbers in question are follows : XXXX ( {$XXXX} ) XXXX ( {$XXXXXXXX ) XXXX ( {$XXXX} ) Since the denial of certificates continue, I just want your company to make sure I can use next time. And I just can say I will not use the self-printed certificates from your company website account portal. 
Sincerely,
Consumer complaint received 2024-03-30
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: Resurgent Capital Services L.P. (NJ)

There are a lot of charges and things on my credit report that I have nothing to do with and it is preventing me from moving forward in life. From bank statements to identity theft and I have no idea how to fix this problem
Consumer complaint received 2022-09-03
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. (GA)

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 605b of the FCRA you are required by law to remove & block any items which are found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After two request XXXX and Transunion refuses to respond to my request for my credit reports. My requests were dated XX/XX/2018 and XX/XX/2018 respectively ...
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Equifax is reporting hard inquiries that I did not approve. it is fraudulent and I need them deleted immediately XXXX XXXX XXXX Address Date of inquiry XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX  Address Date of inquiry XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXXXXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX Address Date of inquiry XXXXXXXX XXXX XXXX XXXX  OH XXXX XX/XX/XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX
Consumer complaint received 2018-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

XX/XX/XXXX I called Navient until I was able to get a service representative. I have been paying for over 30 months on a fixed amount that was set. They told me to pay for more that 20 years the amount they assign me. Suddenly they increased my payment so when i called them to see why. They said that after 30 months it would increase, then after another 16 months of payments it will increase a lot more for the next XXXX payment. 

I think i go into a company that has scammed me. I need help on figuring out what i need to do. 

XXXX XXXX.
Consumer complaint received 2019-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion allowed fraudulent credit inquiries on my TransUnion credit report. I am requesting these to be blocked I am a victim of identity theft. These are the result of ID theft. XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX  were not authorized these are the result of identity theft please block this inquiries these are fraudulent. I did not authorize these.
Consumer complaint received 2019-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KY)

Property Taxes/Ecsrow Account Delinquent due to non payment by LoanCare. I mailed my Property Tax Statement to LoanCare on XX/XX/XXXX. As of XX/XX/XXXX, my property taxes still have not been paid. I have called numerous times, emailed customer service numerous times, have been told that the payment will be mailed by " Friday '' numerous times and they STILL have not paid my property taxes!! I have attached my documentation of phone calls and conversations with dates and names of people that I have spoken to. I am very dissatisfied with the service of LoanCare!!
Consumer complaint received 2019-02-05
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: EQUIFAX, INC. (OH)

I just recently received a copy of my credit report. I have filed a Identity theft report. I was incarcerated for 5 years. I noticed multiple accounts that were opened while i was in jail. I did not open these accounts or gave anybody permission to open these accounts. Please remove these accounts as do not belong to me. 
accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I just recently received a copy of my credit report. I have filed a Identity theft report. I was XXXX for 5 years. I noticed multiple accounts that were opened while i was in XXXX. I did not open these accounts or gave anybody permission to open these accounts. Please remove these accounts as do not belong to me. 
accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/19, I discovered fraudulent activity on my account. I called TD Bank customer service and reported it on the same day. However, TD Bank refused to reimburse me for the stolen funds. They have been rude and unyielding in their stance.
Consumer complaint received 2021-11-21
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Of my XXXX credit reports, there is a difference of 35+ points lower with transUnion than the the other XXXX credit scores. 

After a 40+ point drop, a couple of years ago, I never really recovered. By the way, the drop was similar to the drop in the other XXXX that I have since recovered. 

The records are similar and therefore should not have such a wide discrepancy.
Consumer complaint received 2019-09-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

Deceptive practices regarding Mortgage loan with XXXX XXXX & Ocwen Foreclosure ( no notification )  proceedings then transferred of mortgage to PHH Mortgage Company loan modification. 
I have uploaded a copy to CFPB XXXX XXXX
Consumer complaint received 2022-09-03
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. (IL)

When I re investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below and correct it in my file immediately : XXXX XXXX Balance $ XXXX ; XXXX  XXXX Balance {$0.00}.
Consumer complaint received 2017-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NJ)

on  XXXX   XXXX     2017  i send a certified letter  to DIVERSIFIED ADJUSTMENT whi ch was received to them on  XXXX   XXXX ,  2017  to validate the account that they put on my credit report. i week later i received a big itemized package with amount that i owed and a signature that supposed to be mine .under the fair credit act law FDCPA sectio n 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 ) the creditor has 30 days to provide me with a contract bearing my signature and also contacting the credit bureaus to add a sentence to your credit report WITHIN 30 CALENDAR DAYS that says you h ave disputed the negative item on  XXXX   XXXX ,    2017  i pulled my credit report way over the 30 days required and they did n't add it to my report and should be removed
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Delinquent account — 
Company: TD BANK US HOLDING COMPANY (MO)

I set up a payment plan for my Target RedCard which would allow to pay the balance off over time without penalty. I made the first scheduled payment in XXXX and Target reported me delinquent before my XXXX payment was due. This mark is now on my credit report, Target did not live up to their end of the agreement.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivables Management Corporation (SC)

I reached out to RECEIVABLES MANAGEMENT C because the entered an erroneous entry on my credit file. On XX/XX/XXXX, I sent them a letter demanding that they verify and validate the debt. I have received no such verification or validation and they are still illegally reporting on my credit report. I have contacted them by email and by certified mail ( see attachment ) and they have not responded or attempted to contact me. This is a violation on FDCPA, by law they have 30 days upon request to produce and verify ownership in the form of a legally binding document to show proof that they can legally collect on this debt. I do not own this debt and I have no knowledge of it. Please remove this entry from my credit file per FDCPA or I will seek payment as outlined by law for the multiple breaches of FDCPA that are due to me per FDCPA. Please find below the original letter sent, along with the certified mail receipt.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CT)

My wife and I were making a deposit into our joint checking out at the XXXX, CT Citibank branch on XX/XX/XXXX and were told about a promotional savings account ( 2.15 % for 90 days ). We decided to open the savings account to take advantage of the offer. We received interest on XX/XX/XXXX and XX/XX/XXXX. The interest in XXXX was calculated using 0.4 % interest rate which is obviously much less than the promotional offer. In addition, when trying to call Citibank NA ( XXXX number ) I was told that my wife was the only person on the account ( account was set up incorrectly instead of a joint account with my wife ) however I have full access under my existing user name to make deposits, withdrawals, etc ( big security issue ). Furthermore, the customer service manager said we had to contact or visit the branch to fix these issues resulting in additional time and hassle that we shouldn't have to incur.
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (HI)

On XX/XX/XXXX a summons was improperly delivered to my property address and given to a tenant who is not a family member or relative whom I do not live with and when delivery after knocking on door and handing a summons not in an envelope and not to myself. 

This debt is also being challenged by XXXX XXXX who has been asking for debt validation unsuccessfully from the creditor and there is a Lack of Standing in that the debtor creditor relationship not being one and the same. When debt collectors are contacted by me the many entities involved do not have any proper information about the debt, or proper dates or amounts from the original debt that was a credit card that was closed in or around XXXX and therefore the statute of limitations may have also expired and the amounts of the debt tripled according to the summons and debt collectors who are demanding a response and attempting a default judgement. 

I have been under duress and I am a 100 percent service connected XXXX veteran and I am being tracked by phone from an outside source such as XXXX tracking device and followed and spied on. All for a credit card debt. 

I am just coming out of a place of hardship and we have been assessed at my condo for several thousand dollars and I am also recovering from XXXX XXXX  scare. 

Sending someone to my condo unannounced and delivering these documents improperly at my condo ( btw I can not always stay there due to the amount of work that is major at the building ) and large assessments has caused me anxiety and I need it to stop. 

Also the original debt belonged to TJMax synchrony bank and the debt collectors are Attorney XXXX XXXX and XXXX XXXX and XXXX ( or whoever as I can not get straight answers from them and I have had to spend more money now to initiate a letter to the courts to stave them off. 

Also the XXXX XXXX company I have been dealing with for two years has completly dropped the ball when I notified them this was happening and said they can not help. I have spent two years paying them {$120.00} for over two years in order to resolve these debts and only to find they can not do what they claim. I would like a full refund. This is such a scam.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I do not live at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and do not receive mail here. Someone has opened an account with my information and has used this address, i would like this address removed from my consumer report immediately.
Consumer complaint received 2022-09-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the fair credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit car account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-23
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: ENCORE CAPITAL GROUP INC. (CA)

I filed a dispute with XXXX in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

On XX/XX/2023 I deposited a check through the mobile app to my CitiBank online portal. 
They are flagging this check ( from my dad through XXXX XXXX for $ XXXX, totally not fraud ). 
I did not find out until I went to dinner and my card stopped working. CitiBank froze all my money. Ive proven that the check came from my dad ( he signed an affidavit and its showing cleared ). They said they will now freeze for 30-60 days. 

I have checks bouncing, my mortgage wont be paid. I need help. The check isnt fraud, they know that. Now they wont release the $ XXXX in the bank.
Consumer complaint received 2024-03-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (VA)

This complaint is a follow up to Complaint XXXX. In its response letter, Barclays made the false statement that I had requested a fee waiver in my conversation with a customer service representative on XX/XX/2024. This is untrue and can be easily proven because Barclays has access to the recorded call. I would like Barclays to re-issue the response letter without the false statement since their misrepresentation negatively impacts my integrity as a customer. Barclays should also consider auditing their past response letters to CFPB complaints to assess if there is a pattern of false statements that may have caused undue and quantifiable customer harm.
Consumer complaint received 2019-02-07
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. (HI)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (GA)

I have repeatedly made attempts to reach 1st Finl Invstmnt Fund to no avail. I want the incorrect information removed from XXXX, XXXX   and XXXX. I resolved all payments for medical treatment and the current account is incorrect. This is preventing me from applying for a home mortgage.
Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Account was charged off in XXXX of XXXX same account was later charged off again in XXXX of XXXX with a {$1.00} decrease in balance owed. I did not make any payment. This is clearly any attempt to circumvent account aging off my credit report. This 2nd charge off posting has caused my score to drop significantly.
Consumer complaint received 2022-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LoanCare, LLC (FL)

This is XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account LOANCARE LLC XXXX with a Balance : {$0.00} was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.