davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-21
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: SYNCHRONY FINANCIAL (VA)

I purchased an computer for XXXX through an online auction company called XXXX on or about XX/XX/2019 and paid for computer with my XXXX Visa card issued through Synchrony Bank. I found out computer was supposed to be received on XX/XX/2019 at XXXX XXXX. I however never received my computer even though XXXX XXXX XXXX was saying my computer was delivered. Well I am wondering who was my package delivered too? I live alone and I didn't accept delivery since I wasn't home. XXXX is know for saying packages have been delivered when in fact package is left at door or porch of consumer 's residence. Where I live, There are over 500 apartments in complex where I reside. At any given time someone could see a package and walk up and grab the package and leave. I know in fact that XXXX often will leave a package at one 's door if no signature requested service isn't provided. I in fact live within 10 miles of an XXXX Store pick up center. I would of been too happy to go to pick up and sign for my package. I also believe this situation could of been avoided if XXXX had of requested an Signature service. I just don't understand how a company can bill someone over 300.00 for merchandise and not require an signature service. I in addition notified Synchrony by emailing and faxing disputing document s requested. A temporary credit was issued but reversed by merchant when the merchant claimed that I did receive the merchandise. The merchant once again is believing that i actually accepted delivery when I wasn't home. I am now out of my money because Synchrony bank just don't care. Synchrony Bank needs to understand that XXXX makes tons of deliveries per day. They often say packages are delivered when in the packages are left at people 's doors and porches. I am the victim here. Please send an message to XXXX that they need to use a signature service when shipping merchandise especially if its over 300.00. I should not have to suffer an lost because of the merchant 's bad judgement. There are no winners here. Please Synchrony do what's right. You are suppose to be my credit card company!
Consumer complaint received 2018-09-11
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: GREAT LAKES (GA)

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX   which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-07-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (MD)

We were under contract for a property in XXXX XXXX XXXX, FL. The process was going smoothly until XXXX days before closing. That is when our movement mortgage representative told us that they may not be able to fund the loan. However, they still made us wait until a week after the set closing date to provide a denial letter citing the type of property we were purchasing ( condo ) did not meet their eligibility criteria. As a result, the seller put the property back on the market and they were entitled to and kept the earnest money deposit. If movement mortgage had done their due diligence in a timely manner and communicated this to us, we wouldnt have had this issue. 

This is a warning to anyone dealing with this company and specifically their XXXX XXXX XXXX branch. XXXX XXXX was the loan officer that we were working with. Although he seemed very nice throughout this process, once this issue occurred he disappearednot answering emails, calls, etc.
Consumer complaint received 2019-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MO)

I have sent XXXX XXXX ( 01 XXXX XXXX ) and XXXX both multiple letters of verification. I've requested both XXXX XXXX ( 01 XXXX XXXX ) and XXXX  to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Consumer complaint received 2022-03-08
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. (MO)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-12-16
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)

I demand the deletion of the fraudulent account listed below which is resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNT THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX ( Reported Identity Theft )
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (NY)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$550.00}
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (CA)

Our mortgage servicing company based in Texas called Residential Credit Solution is NOT offering us an option to communicate with them electronically to resolve an issue with slamming. Despite the fact that we are paying for property insurance, they are adding the amount to our mortgage balance. Their customer service front-line folks are unable to provide the source of the escrow funds and only provide the balance. They wants us to chase their escrow folks. It appears they are on commission and only care about collection.
Consumer complaint received 2024-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following information was NOT AUTHORIZED to be reporting to my consumer report! The following consumer reporting agency has fraudulently and inaccurately. posted multiple negative items on my credit report without my given consent. This is directly impairing the efficiency of the banking system and is forbidding my of my XXXX given rights These are the following accounts that need to be removed IMMEDIATELY! 


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 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 2022-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (KS)

This is in response to the original complaint that I filed on XX/XX/XXXX, complaint # XXXX. I want to Thank You for the detailed response that you provided, but this was not what I was told in XXXX about getting out of Forbearance. In your response you stated that we can apply for an exception to by filing out the complete financial package ( which was sent to us with a XXXX return label ) The package was XXXX back on XX/XX/XXXX. When I called the following week I was old that the package was denied. The resubmission and denial response were posted before I even submitted the package!!! When I questioned this I was told my package will not make any difference and their decision was already made. 
I am working hard to resolve this matter but I am not solutions from them ( Specialized Loan Servicing ).
Consumer complaint received 2018-12-19
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. (TX)

On XX/XX/XXXX I submitted a dispute for the charge on XX/XX/18 from the XXXX XXXX in the amount of {$410.00}. Included with the original dispute as well as the redispute filed on XX/XX/18 was an email directly from the merchant prior to checking in agreeing to honor the lower advertised price of {$100.00}. However, the hotel chose to charge me 4x the amount agreed upon.

I filed the dispute originally only days after the initial charge and again a few months after the initial charge, well within the legally allowed timeframe. Yet on XX/XX/XXXX Chase sent me a letter stating the allowed timeframe to file the dispute had passed and they considered the charge valid. 
Thus Chase did not properly investigate or provide a valid reason for denying the dispute as required by 15 United States Code 1666
Consumer complaint received 2018-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NY)

Are reporting to credit Bureaus When I have numerous times in writing have disputed their right to collect and or report to the credit bureaus negative credit info on me.

I have asked for them to show proof they purchased this debt & the terms & amount of the purchase of this alleged debt.
Consumer complaint received 2016-02-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (NV)

Someone opened a U.S. Bank credit card in my name, fraudulently, at some time on XXXX/XXXX/2012, without my knowledge or consent. 

Equifax did delete this account, but it was reinserted for some unknown reason. I did not open this account and I do not know who did. I 've faxed a copy of the XXXX XXXX XXXX Police Department 's Police Report along with a notarized I.D . Theft Affidavit to the bureaus and have attached them here as well. After repeated requests, the bureaus & U.S. Bank refused to provide me with any information obtained from their investigation and with anything regarding their rationale for reinserting the credit item. I need the credit item being reported to the credit bureaus removed from my credit file immediately. 

I look forward to your response,
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

CORPORATION CAPITAL ONE was sent a copy of the Consumers status change and then they closed the account without notice, which made the Consumers credit score plummeted XXXX points on the XXXX, XXXX and XXXX. When I called to inquire about the account being closed there was not one valid answer from CAPITAL ONES Agent they said the agreement didn't satisfy their way of doing business per XXXX who is the last associate I talked with.Cheyenne said that Agent with the ID of XXXX closed the account on XXXX XXXX XXXX. I have had 2 of my family members call and get a CAPITAL ONE, account and it hasn't been a problem until I sent the proof that the Consumer, XXXX XXXX, has changed her political status and I need full disclosure of the Account. According to 15USC 1681 602A, States I Have the Right to Privacy and I didn't give CAPITAL ONE nor any of the Credit Reporting Agencies the Right to put my Private information in the Public which is 15USC 1861 604A ( 2 ) In accordance with the written instructions of the Consumer to whom it relates. I have not given my written instructions to have all of this information on my Consumer Reports.

I am a natural person I am a living human being, I have rights under 1681s2 ( A ) ( 1 ) ( A ) A person shall not furnish any information relating to a Consumer Responsibilities of furnishers of information to A person shall not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

CAPITAL ONE has reported the negative information so that everybody could see. So I need the CHIEF EXECUTIVE OFFICER XXXX XXXX to provide full disclosure of this account and the wet ink Contract that we both should have signed because that is the full element of a Contract, Also there should be a XXXX on file with the Foreign Agents doing business in the United States for both XXXX and Agent XXXX. see attachments.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I applied for a business credit card with XXXX, I have been a card holder since 2017. I have never missed a payment over 30 days. I setup autopay but the payments were never deducted from my account. I noticed the lates on my credit report thats how I knew about the lates to my XXXX  business credit card. I was never properly notified that that I missed a payment. I never received a phone call, a email text or mail for the bill.
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I am a XXXX XXXX ( XXXX XXXX  ) XXXX XXXX veterans. That went are under a medical hardship. In XXXX Chase Mortage to over my From XXXX balance of {$240000.00}. In XXXX Chase Mortrage reported a balance of ( {$230000.00} ) to the credit bureaus. Which is the last time they reported my mortgage to the credit bureaus. This actions has adversely affected me rebuilding my credit. Chase Mortgage, turned me down for a Home Equity Line of Credit. Although, I have equity in my home. 
In XX/XX/XXXX, Chase Mortgage did a home modification with me on my home at XXXX XXXX XXXX, XXXX XXXX XXXX, Florida : XXXX. The principal amount of modification is ( {$230000.00} ) XXXX XXXX XXXX XXXX XXXX dollars and all penalties dismissed.

But, Chase Mortgage used the original purchased price and some fancy accounting, unpaid balance work. To apply extra money to a Modification which is illegal. You cant borrow money, or come out with extra money in a modification. 
Review all three ( 3 ) credit reports to see the inaccuracies.starting dated XX/XX/XXXX account : XXXX Last Hurricane season, F. E.M.A., denied me assistance because I did have enough credit. Couldnt prove I had a home loan in credit bureaus files. 
This company XXXX XXXX XXXX XXXX- Never did business with then. 
XXXX XXXX XXXX : every month is reporting to credit bureaus that I owe them money. How do I owe them money, I never did business with them?
Consumer complaint received 2022-07-25
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. (CA)

I submitted a letter on XX/XX/XXXX addressed to Equifax and XXXX Credit Bureaus to have the unauthorized inquiries removed from my Credit File. I was a victim of Identity Theft and I never authorized these inquiries neither allowed anyone to inquire on my behalf. Of all the letters I have been sending to the Credit Bureaus, the Credit Bureaus have also kept ignoring my letters. I am disappointed by these actions done by the Credit Bureaus. These inquiries must be removed under the FCRA section 605b : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-08-06
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. (CA)

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX ( XXXX ) credit inquiries without my knowledge. The unknown or unauthorize hard inquiry in question was apparently made by XXXX XXXX ( XXXX ) on XX/XX/2018. I have not informed or recalled of any association with this company. I have contacted XXXX XXXX and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact Experian as well, just to make sure the issue would be resolved immediately.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (CA)

I recently submitted a letter addressed to the Credit Bureaus on XX/XX/2022 to request an investigation and have the disputed items removed from my Credit Report. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft under the Fair Credit Reporting Ace section 605b. Despite all my Efforts to correct my Credit Bureaus, the Credit Bureaus have done nothing to have the disputed items removed. I am disappointed to see that the Credit Bureuas ignore my requests to correct my Credit Report and continued reporting the disputed items without proper verification and authentication. I am submitting this complaint to protect my rights and excercise my rights under the Fair Credit Reporting Act section 605b. Please remove the disputed items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$450.00} XXXX  XXXX Balance {$440.00}
Consumer complaint received 2016-11-17
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armada Corp. (WA)

I found the debt on my credit report from Armada Corp and when I called the amount was a lot more than listed on my report. They stated it is interest they have been collecting. I told them I was never informed they were making interest off of this balance. I was under the understanding that if people or companies are going to charge interest on a debt, they have to inform the consumer. I do n't believe that a consumer should have to pay interest on a balance the company does n't communicate to you. As long as you do n't look at your credit report they will just keep charging and the consumer has no idea. I do not have anything in writing to attach because I never received anything in writing.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

On XX/XX/2019, Citibank closed five of my credit cards accounts which the total credit line is {$50000.00}. This hurted my credit score. And I have many points in the account which I couldn't redeem when they shut down my accounts suddenly. 

The bank said they closed it due to security reason. I have wrote couple emails and mailed out letters to Citibank to explain my situation but I have not heard back from them. 

I don't believe it is fair to close all my cards in this case.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TX)

This guy offered to pay my credit card debt of {$790.00}, he gave me his saving account info and routing number to pay. I paid it off. Then he asked me to go to XXXX XXXX for him the next day after telling me I was allowed to pay the card off, so it wasn't part of the any exchange I was sick so I told him no. He threaten to reverses the payment, I told him that was fine since I was sick and did not want to be control by money ( I was not his slave ) he then threaten to make my credit score to go to XXXX, he told his bank I committed fraud. I have text messages to prove all of this that I asked him permission on amount and everything.