davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This Company is reporting late payments on my account. 
In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy 15 USC 1681 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

THERE ARE XXXX HARD INQUIRES ON MY REPORT THAT HAS COME FROM IDENTITY FRAUD AND I WANT TO HAVE THEM REMOVED. ( XX/XX/XXXX) XXXX ON XX/XX/2022 ( XX/XX/XXXX ) XXXX  ON XX/XX/2022 ( XX/XX/XXXX) XXXX XXXX ON XX/XX/2022 ( XX/XX/XXXX ) XXXX XXXX XXXX ON XX/XX/2022
Consumer complaint received 2020-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY (NY)

Target closed my account for having two NSF payments on my account.My authorized user made these two payments from my account and said that he had sufficient funds in his account.

We are both unemployed due to COVID-19 and made the payment under the assumption that the unemployment check would be in the account on Monday but it was not there until Wednesday.

The transaction was remedied within two days and the account was paid in full.

Target closed the account after it was paid in full citing insufficient fees as the rationale behind the closure.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

MY CHECKING ACCOUNT WAS COMPROMISED BACK SOMETIME IN XXXX OF XXXX. AS A RESULT, XXXX XXXX XXXXXXXX CLOSED MY ACCOUNT AND RETURNED ALL PAYMENTS MADE AGAINST THE COMPROMISED ACCOUNT. I THEN HAD TO REOPEN A NEW ACCOUNT. MEANWHILE, A PAYMENT WAS MADE AGAINST THE SYNCHRONY BANK LL FLOORING. THE PAYMENT WAS MADE AGAINST THE WRONG ACCOUNT AND AS A RESULT, WAS ONE OF THEM RETURNED BY XXXX XXXX XXXX. AS A RESULT. WITHOUT WARNING SYNCHRONY CLOSED MY ACCOUNT WHICH HAS IMPACTED MY CREDIT BUREA REPORTS. I HAVE MADE SEVERAL ATTEMPTS TO EXPLAIN THIS TO SYNCHONY LL FLOORING TO NO AVAIL. MY ACCOUNT HAS ALWAYS BEEN IN GREAT STANDING PRIOR TO THIS INCIDENT AND FIND THIS VERY UNFAIR PRACTICE. SYNCHONLY THEN STATED IT WAS A RESULT OF A CREDIT PULL AND WOULD BE EXPLAINED IN A LETTER ADDRESSING THIS SITUATION. NEEDLESS THE LETTER I RECEIVED MENTIONED NOTHING OF A CREDIT PULL. THE LETTER WAS TO INFORM ME OF THE MISHAP AND TO INFORM ME TO CONTACT MY BANK TO CORRECT IT. I HAVE SINCE PAID OFF MY ACCOUNT WITH THIS CREDITOR.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my account. I was notified when I was unable to login into my online account. I called and like always was treated horribly. The representative told me she doesnt have to give me a reason. Her words we can close your account anytime just like you can. That was all I was told. No fraud account was not overdrawn. I was retaliated against and there was nothing I could do! After banking with Bank of America for years. After the American Care Act was put in place and a pandemic how can Bank of America not provide any explanation! I want my record and calls into Bank of America reviewed! And a proper response to be given.
Consumer complaint received 2020-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (TX)

I am no longer receiving unemployment income. I do not have any means to make the monthly payments that have already been lowered however I no longer have funds to send them for the minimum monthly payment. If I receive any assistance from the government, then I will be able to make an effort to send them what I can. I currently do not have anything to send them and they will not defer any more payments. They asked me to call XXXX  XXXX however they would not defer any payments either. They were going to increase my interest rate and offer me another payment plan. That's not an option for me right now.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (SC)

Starting on XXXX Lowes Card- a person called and change my address, phone number, email address to obtain a card. They used and they kept changing the address even I did it too many times. 

Right now the amount due is aroung {$32000.00}/ I called and they have the account under investigation. This people is from XXXX IL. I live in South Carolina and I have not change my address since XXXX -
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX I reviewed my credit report and discovered that an account US DEPT EDU Account # XXXX is still being reported on my credit report. This is a negative account with very different information being reported account the 3 main credit reporting agencies.

I have reached out to each agency individually to get this erroneous account removed with no resolve.

I have a right as a consumer under the FCRA to have a credit report that is correct and only information that is factual can be reported.

15 US Code 1681 b Permissible Purpose a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

This account is the only negative account on my credit report and has a negative impact on my ability to obtain credit.

It is Open on Experian, Closed on XXXX and OPEN and CLOSED on XXXX.
Consumer complaint received 2020-06-06
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: EQUIFAX, INC. (SC)

Complaint : The Equifax Credit Bureaus have failed to verify the two accounts listed below within the allotted time per the standards of the Fair Credit Reporting Act ( FCRA ).

Background : I filed a dispute with Equifax per the FCRA, Section 609 ( a ) ( 1 ) ( A ). In my letter, I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file for these accounts. In my dispute, I also demanded the two accounts be Verified or Removed immediately : Account Name : XXXX  Account Number : XXXX  Reason : Unverified account Account Name : XXXX Account Number : XXXX  Reason : Unverified account Additional Facts : Certified Dispute Letter Received by Equifax : XX/XX/2020, at XXXX XXXX ( See Attachment ) Deadline to provide Verifiable Proof : XX/XX/2020 As of XX/XX/2020, Equifax has failed to provide Verifiable Proof that meets the standards of FCRA, and these two accounts remain on my Equifax credit report.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

I am in the process of buying a home and my closing date is coming up this month. I was preapproved for a mortgage but when my broker went to pull my credit for the application Equifax was not returning a score. 

For context, I opened my first credit card in XX/XX/2019 as well as adding a car lease in XX/XX/2019. I have been able to establish my credit with XXXX and XXXX  but not Equifax. 

I have been calling Equifax and my creditors for over a month now trying to figure this out. Equifax does not have a credit profile for me and neither XXXX XXXX nor XXXX seem to know whats going on. Ive mailed them all documents, filed disputes, sat on hold for hours on a daily basis. I have been told different stories and every time I feel like I have a sense of XXXX going on a customer service rep tells me a new story as to why I dont have a credit score and whos fault it is. 

I have asked my credit card company, XXXX XXXX, and my auto lease company, XXXX, to send my information to Equifax. I requested it be expedited as my closing date is soon approaching. I fear I will lose my home because Equifax is not reporting a credit score for me. 

I can not express how much I appreciate anything you can do to help resolve the situation. Thank you in advance.
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

I entered into a Forbearance Plan with LoanCare , LLC on XX/XX/2020, which was extended on XX/XX/2020 through XX/XX/2020. At the time I entered into the Plan, I was current on my mortgage payments and had 100 % on-time payments. The Plan clearly stated that there would be no negative reporting to the Credit Reporting Agencies. During the Plan, I made partial payments of {$300.00}. I then sold my home on XX/XX/2020 and paid the Mortgage Loan in full. I was recently notified by my credit monitoring company that on XX/XX/2020, LoanCare , LLC reported my Mortgage Loan as 90 days past due to XXXX and XXXX. This negative reporting has destroyed by FICO Score by lowering it XXXX points from XXXX to XXXX. I am attaching copies of the Plan confirmation and extension letters received from LoanCare , LLC along with a letter from LoanCare , LLC confirming receipt of the payoff of my loan. Every time I have tried to reach a " live '' person by telephone at LoanCare , LLC, I have been transferred to the Collections Department, who would then transfer me to the Loss Mitigation Department. I have not been able to reach the " Mortgage Resolution Advocate, '' XXXX XXXX, although leaving voice mail messages and emailing him. Please help me resolve this very disturbing matter - I have worked hard for my good credit and this is completely unfair and contrary to the provisions of the Plan.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MS)

XXXX and myself taken to court for past due rent see attached files. Mobile home park not awarded total asking for court awarded {$370.00} total judgement all we were to pay {$370.00} awarded XX/XX/2017 judgement paid in full XX/XX/2017. Mobile home park reported to XXXX XXXX XXXX agency balance of what they were sueing us for they report we still owe {$460.00}, after giving us credit for {$370.00} we were ordered to pay by court. I have sent copies to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to no avail. This is still being reported on our credit files erroneously since XXXX. I have also sent copies to all 3 credit bureaus the state info is accurate. This is just not true and they have not deleted this off our credit files. Please help
Consumer complaint received 2022-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (FL)

Last month I contacted Lockhart, Morris & Montgomery. I was confused about an account on my credit report and needed more information. I spoke with a representative who claimed she was in charge of this account. I asked her if she could give me details of the ho the creditor is and the dates. She told me she could not give me that information. She said that it was against XXXX and all she could tell me that it was XXXX XXXXXXXX. That statement was a red flag, If this was my I formation used why can I not know the information about the account. I went in to tell her that I never been to that hospital and there is no way I went to that hospital during the year of XXXX. I mentioned that I lived in another state and this account could not be mine. She told me there is nothing they can do for me. She became rude and upset me when I continued to tell her. If I went to that hospital I would have signed up for assistance but I didnt even live in the area mentioned during that time. 

Now I am stuck with this in my credit and no way to resolve my issue.
Consumer complaint received 2018-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (FL)

amex business gold credit card. 
received invitation in the mail to apply for this card, spend {$5000.00} and get XXXX bonus points, amex has been trying various excuses to not pay out their bonus. however, during the online application, they do put up a box just before the credit check advising if they are going to go back on their promised offer for any of several reasons. this way applicant who see the box can decide if they still wish to proceed. 

they sent me a personal invitation to apply for the card and get the bonus. 
during application they did not put up the box saying I was not eligible. 

now after my spent amount they are going back on their offer saying that I was never eligible
Consumer complaint received 2018-07-07
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. (MD)

Auto dealer XXXX XXXX ran credit through multiple banks without my authorization. I told the sales representative specifically that I did not want my credit ran through multiple banks and the representative ran it through the banks : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Also, there is an inquiry from XXXXXXXX XXXX and XXXX XXXX that I did not authorize and have no knowledge about, which are fraudulent. Contacted the Credit Bureaus and they did not want to assist me in any of these accounts. These inquiries were UNAUTHORIZED. I did not sign a form allowing them to run a blanket credit check nor did I give them verbal authorization.
Consumer complaint received 2022-12-29
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: Experian Information Solutions Inc. (CT)

I called Experian to dispute late charges that on on my credit report, both accounts have been pd in full and needs to be removed from my account immediately.
Consumer complaint received 2019-04-23
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: JPMORGAN CHASE & CO. (CA)

XXXX/Chase Visa advertises that it guards their card holders against fraud. I purchased a " ruby '' from XXXX XXXX XXXX XXXX in XXXX XXXX  on XX/XX/XXXX. I agreed to a payment of {$500.00} US Dollars. I even received an Appraisal Folio no. XXXX  signed by the Store Manager indicating under " Gemstone '' : # 1 - 8.5 cts - color Ruby ''.

Upon return to the states, I a jeweler indicated in writing that it is not a gemstone, but a " man-made stone ... valued at between {$20.00} and {$50.00} US dollars at the most '' I contacted XXXX XXXX about returning the stone and receiving a credit. I never received a response. I contacted XXXX  about the fraudulent purchase. They denied the appeal and upheld the charge as I had not returned the stone to the store. So, on that basis, I returned the stone to the merchant by certified mail ( another {$50.00} ) along with a letter demanding credit. I never received a response or credit. After I finally received proof that the stone had been returned to the vendor I contacted XXXX  again that I had returned the stone. Their response dated XX/XX/XXXX was that they upheld the charge : " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred on your account. '' This was an obvious fraudulent sale. I later discovered that there have been many complaints filed against this merchant, but they are still in business. As requested, I sent XXXX/Chase proof of the value of the stone. As they then were upholding the sale because I had not returned the stone, I paid to have it sent back and tracked it's return. And then XXXX/Chase turns around and indicated that it was a valid transaction. Now I am out the {$550.00} AND the stone which I returned so I could get credit from the merchant or XXXX/Chase.
Consumer complaint received 2024-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (FL)

I made a purchase at XXXX 's using the XXXX service on XX/XX/year>. However, that order was cancelled that same day, unbeknown to me until XX/XX/year>. On that date I reached out to XXXX about the cancellation and receiving a refund. Since that date, all I've received from XXXX is lies, delays, and terrible customer service. I've been sending email after email every single day since XX/XX/XXXX trying to get my refund. They have asked me for proof of the cancellation over and over despite me sending it. They lied this past Sunday, XX/XX/XXXX, saying they were going to call me and never did. They also closed my dispute for the XXXX time on the same date claiming they would communicate with me about my case via email and it has now been XXXX more full days since I've heard from someone. This is RIDICULOUS!!!!
Consumer complaint received 2023-03-23
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. (AL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX  XXXX Balance XXXX {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX 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 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
Consumer complaint received 2019-04-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2023-01-27
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. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2400.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$850.00} ; US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXBalance : {$360.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (CA)

THERE ARE XXXX HARD INQUIRES ON MY REPORT THAT HAS COME FROM IDENTITY FRAUD AND I WANT TO HAVE THEM REMOVED. ( XXXX ) XXXX ON XX/XX/2022 ( XXXX ) XXXX ON XX/XX/2022 ( XXXX ) XXXX XXXX  ON XX/XX/2022 ( XXXX ) XXXX XXXX BANK XXXX XX/XX/2022