davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

XXXX XXXX monthly payment was not collected due to insufficient funds due to the a same day deposit to cover the mortgage was deposited on the same day causing insufficient funds. XX/XX/2021, Nationstar withdrew XXXX payment making my mortgage 30 days late. No other mortgage payments were withdrawn after XXXX payment. In XXXX, my tenant of the property financed by Nationstar notified me of a balance of {$2400.00}. My privacy was violated because the tenant opened mail that was not to be sent to the financed property. The mailing address on file is my residential address but Nationstar mailed the letter to financed property without my approval. I was not notified by phone because Nationstar didn't have my phone number on file.
Consumer complaint received 2022-03-13
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 (CA)

This complaint is a follow-up to CFPB XXXX, which was closed by the credit card company Synchrony Bank without any discussion with myself, the complainant, even after repeated attempts by me to contact Synchrony Bank 's representative assigned the complaint to discuss the matter. 

I formally request this complaint to be reopened by CFPB on the basis of additional evidence being provided in the form of current day photographs and architectural drawings of the work that was originally contracted for but never performed by XXXX XXXX XXXX XXXX. The photographs being provided to Synchrony Bank via this follow-up complaint substantiate beyond any doubt that the {$7200.00} charged to my account for a balcony repair/remodel project was never provided by general XXXX XXXX & XXXX XXXX XXXX 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX committed fraud by offering to cancel the project but never providing a refund for the contracted amount of {$7200.00} back to the Synchrony bank credit card, even to this day. From XXXX XXXX, I attempted repeatedly to secure a refund from XXXX & XXXX XXXX XXXX By XX/XX/XXXX, XXXX XXXX XXXX XXXX stopped answering emails and phone messages from me requesting a refund. So, suspecting fraud, I began written communications with Synchrony Bank in XX/XX/XXXX per their prescribed dispute process. Although I've attempted on numerous occasions since then, I have never been able to speak with anyone actually responsible for investigating my fraud complaint. I have been passed around from one customer service representative to another. Each person said they did not have access to the paperwork I had submitted in my letters nor could they provide me a name of the person responsible to investigate my dispute. The representatives could only see that a dispute had been initiated. 

When I filed the original complaint with CFPB in XX/XX/XXXX, I was sent an email by a Synchrony Bank company representative ( XXXX XXXX ) that said she would be investigating my complaint and provided me a phone number to call her. I responded to her email the next day with a phone message requesting she call me to discuss the matter so that I could explain the dispute in detail and answer any questions she may have had. I also sent her an email with my telephone number and email address. After not receiving a call back for a few days, I called her number again, only to receive a message that her mailbox was full and not accepting messages. 

If someone from Synchrony Bank would just call me to discuss the dispute and review the letters, documents and photographs I have mailed to their company, I believe the dispute could be resolved appropriately in a few minutes. Unfortunately, it has been ten months since I initially reached out to Synchrony Bank and I still have not gotten anywhere due to their inherent bureaucracy and what I perceive as extremely poor customer service.
Consumer complaint received 2017-06-29
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. (TX)

Mailed to Transunion, XXXX XXXX to remove inquiries on credit report that were not authorize. I have mailed letters to advise and no response back after 30 days. I called and customer service was not willing to help to take care of these negative inquiries reporting to my credit. I would like to keep my credit good and prevent inquiries that I did not authorize off my report. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (NY)

Re : dispute Re investigation I recently disputed the following accounts that were reporting inaccurate misinformation on my consumer file and you seem to have mistakenly verified them as accurate. The following accounts are not mine. Maybe the source is unreliable, but I need you to perform a Re investigation into these accounts and delete them Immediately : Account # XXXX XXXX OPENED XX/XX/2021 Account # XXXX XXXX XX/XX/2021 Law 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes The following accounts are in violation of these laws and need to be deleted from my consumer report immediately
Consumer complaint received 2022-03-13
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. (AL)

Every account that is reporting negative on all three of my credit files should be removed. Also the addresses. I have only lived at one address. I am enclosing proof. The bankruptcy that are reporting is inaccurate. The Bankruptcy Court does provide information to the Credit Reporting Agencies and XXXX states that it has removed it. Why is it still reporting. I am enclosing copies of police report showing I have been a victim of identity theft and all these negative accounts should be removed immediately.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2022-07-11
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. (FL)

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVE YET TO RECEIVE ANY INVESTIGATION RESULTS XXXX XXXX- {$13000.00} XXXX {$4400.00}
Consumer complaint received 2022-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I received a text from Chase on XX/XX/21, they told me they declined a {$230.00} purchase with my credit card at XXXX XXXX. They asked if that was my purchase, I said no. They canceled that card and sent a new one ; however, I found out after going through my statement on my mobile app that there were over XXXX in XXXX charges on my credit card. Chase flagged one charge but there were at least 50 charges. I called both Chase and XXXX, its been an ongoing issue. I received a letter from Chase saying my case was closed because they said I benefitted from the transactions which I did not. I had to continue to call both Chase and XXXX to try to get them to work together to help me get my money back. XXXX asked me if I knew a XXXX XXXX, I said no. This person is involved in this fraud. Ive also filed a police report naming this person in the case.
Consumer complaint received 2022-02-18
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: SYNCHRONY FINANCIAL (GA)

I was reported late 60 days for months of 2020 XXXX and XXXX. We tried to explain the work situation due to the pandemic however the company did not take any actions even after it was disputed through the credit bureau. We have always kept a good standing with SYNCB/AMAZON and SYNCB/XXXX XXXX but during COVID 19 every other company differed the payment or offered some sort of forbearance. We have payed the credit card off and request that SYNCB/AMAZON remove these late reports to credit bureaus.
Consumer complaint received 2018-10-31
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. (AL)

Upon checking my report on XX/XX/2018. many of the accounts are now showing a different status. Once again showing the miss reporting of the credit reporting agency.FCRA LAWS and mandated METRO 2 format COMPLIANCE regulation requires ANY and ALL data reported be CERTIFIED as CORRECT COMPLETE and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting I DO NOT AUTHORIZE you to RETAIN or report other.How can the credit reporting agencys continue to hold me at fault when it is finally clear that they are miss reporting everything on the account. someone needed to be held accountable and this removed. this was not my doing but i have been victimize.
Consumer complaint received 2018-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint on Equifax because they have continuously refuse to correct my credit report. By reporting charge-off and closed accounts as opened accounts. Reporting accounts that have been sold and closed as still opened and 120 days late. Also, Equifax deliberately change my high balance on my credit cards to make it seem higher than my credit limit, which made my utilization extremely high on my credit cards ; even though I never disputed those accounts. All of these inaccuracies has cause my credit score dropped 86 points in ( 1 ) month.
Consumer complaint received 2022-07-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch (PA)

Received court papers that I was being sued by a company I never heard of nor never contacted me. Never appeared on my credit report and didn't even know existed. They went right after a judgment. No attempts to contact me, no mail or anything received from company.
Consumer complaint received 2018-10-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I specifically requested to have no overdraft fees in my account when i opened. Turns out the lady that helped me at XXXX XXXX branch of Bank of America did put overdraft. I called and another customer service represantative told me she removed them and i was hit with XXXX $ overdraft fees in just one week. After she told me she removed them within 4 days i get hit again. I have almost XXXX $ to pay because of only overdraft fees without my consent at Bank of America. Representatives do not care and no one is refunding my money because i didn't sign for any overdraft and i made it very clear since the beggining.
Consumer complaint received 2019-03-29
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: Experian Information Solutions Inc. (NC)

The credit bureaus are supposed to investigate errors on your credit report, and get back to you with the results, if you request it. I personally sent an investigation request to the three credit bureaus back on XX/XX/XXXX, but I still haven't received any responses. They are supposed to do investigations in 30 days. But its been a lot longer than 30 days, and I'm still waiting.
Consumer complaint received 2018-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (NC)

I was contacted by Americollect concerning a small medical bill of {$160.00}. What they did not realize is that this was not my medical collection but my wifes medical collection. I paid for the collection and asked politely to have it removed from all three of my credit bureaus being XXXX, XXXX and XXXX. They have refused to do so. Again legally they have no right to attach a debt to my social security number or my credit report when it clearly is not mine.
Consumer complaint received 2018-10-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I got the personal loan about {$1500.00} from XXXX and the interest rate was around 27 % or somewhere around. After few month there was an offer to get more loan on the top of it, which I accepted it, which was around {$1100.00} more, and later found they charging 97 % of intere, Im making payments since more than six month, {$100.00} every two weeks and my balance is still there, looks like Im not able to keep it continue due to this, they taking all my payments in interest, Im looking for to adjust my interest in to a legal limit, I called the customer service about two weeks ago and I have been told that, there is no negotiation on interest.

Total loan amount {$2700.00} Total interest {$5800.00} Total due {$8500.00}
Consumer complaint received 2018-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO. (FL)

CFPB, please know that this is not a duplicate ; this is a complaint about the documents that were just sent to me in a previous complaint. The complaint number is in the next section. Whoever handled my last complaint referred to me by another person 's name and actually gave me THAT person 's promissory note! Under NO circumstance should I be addressed as ANOTHER CONSUMER and be SENT ANOTHER CONSUMER 'S SENSITIVE DOCUMENTS. I have the document they sent me to prove it ( attached to this complaint ) -- titled under the person 's name, addressed in the letter under the other person 's name, and containing THEIR promissory note! I have repeatedly provided MY social security number, MY account info, and MY birth date in order to prove MY identity. Whoever did my complaint chose to give me someone else 's identity. NEXT, I GUESS I'LL BE TOLD THAT IS LEGAL TOO. The person handling the previous complaint stated that they 'are not required to give original documentation with my " wet '' signature ' -- putting quotation marks around " wet '', as if they do not understand what that means. Well, guess what, JPM Chase? WHAT YOU JUST DID IS WHY WE AS CONSUMERS REQUEST ORIGINAL >>> SIGNED <<< DOCUMENTATION, and you are INDEED supposed to give consumers WHAT WE REQUEST, as it is our RIGHT to do so. Under the grounds that JPM Chase can not get their facts straight about who they are addressing, and are CLEARLY blending my personal information and the bureau-reported JPM Chase account with another consumer 's, I DEMAND that the JPM Chase account listed in the next section be DELETED IMMEDIATELY. I will also be informing the bureaus of this extreme inaccuracy and violation!
Consumer complaint received 2022-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-03-29
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. (NC)

The credit bureaus are supposed to investigate errors on your credit report, and get back to you with the results, if you request it. I personally sent an investigation request to the three credit bureaus back on XX/XX/XXXX, but I still haven't received any responses. They are supposed to do investigations in 30 days. But its been a lot longer than 30 days, and I'm still waiting.
Consumer complaint received 2018-10-30
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accountsXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus 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 please Im looking to purchase a home.
Consumer complaint received 2017-06-29
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. (CA)

They have informed me that they verified the accounts listed below : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX However, they didnt give me any verifiable proof ( have my signature inside ) to prove that these accounts belong to me.
Consumer complaint received 2016-07-06
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NJ)

I opened a new CITIGOLD saving account on XXXX/XXXX/XXXX with their promotion : Earn {$500.00}. 
1 ) open the account before XXXX/XXXX/XXXX 2 ) deposit {$50000.00} WITH 30 DAYS. 
3 ) MAINTAIN A BALANCE OF {$50000.00} FOR NEXT 30 DAYS TO RECEIVE {$500.00}. 
My account opened on XXXX/XXXX/XXXX deposit {$50000.00} at same day AT XXXX XXXX XXXX, XXXX OFFICE, and still have balance {$50000.00} plus BUT HAVE NOT RECEIVE MY {$500.00} yet. 

If I refer a same citigold costumer I will get a {$100.00} each. I did for XXXX person XXXX XXXX XXXX in XXXX, XXXX XXXX and XXXX XXXX in XXXX, XXXX. 


CITIBANK SHOULD PAY ME ALL THIS PROMOTION MONEY.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (NY)

In XX/XX/XXXX I entered into a twelve ( 12 ) month zero percent ( 0 % ) promotion with GE Capital Retail Bank for Care Credit to finance needed dental work. Despite being on automatic payments, the last payment ( {$500.00} ) was processed on XX/XX/XXXX, three ( 3 ) days late. As a result all the interest became due. Unfortunately I did not realize the bill had not been paid in full for approximately six ( 6 ) months. I contacted GE Capital Retail Bank about what had happened and was told that because the payment had not been submitted prior to the promotional date I was responsible for the interest that had occurred. Due to their error in processing the payment three ( 3 ) days late, I feel they should be responsible to reverse all interest that was charged to my credit card. <P/>XX/XX/XXXX Synchrony Bank became the financial institution for Care Credit. Due to the error of GE Capital Retail Bank the account was already considered over limit which has caused a domino effect of interest on interest and over limit fees to increase each month to this date. <P/>Approximately XX/XX/XXXX or XX/XX/XXXX I contacted Synchrony Bank in an effort to resolve this situation. I was told by a representative that because my account was current they would not be able to talk to me. I asked to speak to a supervisor and the supervisor told me the same thing. I did not know what to do so I just left everything as it was. As time went on the payments were increasing and becoming to a point that my bank account is occurring overdraft fees. I have a fixed income and I can no longer afford the payments they are charging me. <P/>XX/XX/XXXX I contacted Synchrony Bank a second time to discuss the account and the hardship it was causing me to see if a resolution could be reached. Again I was told that because my account was current there was nothing that could be done. Before the conversation was over the supervisor I spoke with told me that they may be able to lower the interest rate for a short period if I could prove I had a financial hardship. I explained all that had happened and was informed that it was not considered a financial hardship. I was then told the only way to resolve this situation was to pay the balance in full right then. Because I did not have that kind of money I contacted an attorney. The attorney wrote Synchrony Bank a letter on my behalf, dated XX/XX/XXXX. There was no response from Synchrony Bank. XX/XX/XXXX, a second letter was written with no response to date. <P/>The attorney has advised me to file this complaint. <P/>Thank you