davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AK)

I had a Banana Republic credit card from Synchronicity bank with a {$500.00}. dollar credit limit. I had a balance of under {$200.00}. and attempted to pay my balance off by phone over 6 times. Then they closed my account after many late fees and interest and reported my account to the credit agencies.

Now I am unable to get a Care Card for medical expenses due to their unfair practices. I was happy to pay the balance but have since charged off the account during the sars-cov2 pandemic. 
Thank you, XXXX XXXX
Consumer complaint received 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2023-07-24
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. (FL)

I requested the correction of inaccurate information that another credit reporting agency found inaccurate and removed it. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. XXXX XXXX Balance Owed : {$30000.00}.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

My loan was transferred to Chase on XX/XX/XXXX. I called on XX/XX/XXXX to request a payoff quote but the rep XXXX refused to provide one and told me I'll only be able to request one in 10 business days which is after the date I'm supposed to close on my home.
Consumer complaint received 2022-05-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I paid my XXXX XXXX  bill to XXXX with the agreement that it would not be sent to collections or reported on my credit report as a collection/chargeoff.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (AR)

Experian has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights. Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy. Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights. Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! ( Please see form attached ) Due to your company 's negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to block and delete this inaccurate information
Consumer complaint received 2019-02-08
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: LEXISNEXIS (OH)

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-08-08
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: ACIMA CREDIT, LLC (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-02-08
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. (FL)

I just checked my credit report and I have Inquires I do not recognize on my Experian report. if possible, I would like them all removed. alot of them were unauthorized. if you can solve this issue it would be Great. Thanks
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank is reporting a charge off, monthly, to all credit reporting agency 's ( XXXX, XXXX and XXXX ) This lowers my credit score every month and is hurting my ability to obtain a loan. The account was disputed and Synchrony Bank charged off the account. There is no other reason to report the account monthly to my credit report without a balance owed. This is just an unethical way that Synchrony Bank is doing to hurt my credit score. I have disputed this account in court and Synchrony Bank has not responded to the case in over a year. I called Synchrony Bank Spoke to XXXX XXXX and advised her of the problem and she could not do anything to help me.
Consumer complaint received 2019-02-08
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. (GA)

I'm in the market for a home, so recently i pulled my credit report to see what my score was and i see items on my report that are not mine. This is completely unacceptable and totally embarrassing. I need these items removed from my credit report. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX/XXXX. I have also contacted my city police and contacted the FTC as well.
Consumer complaint received 2019-02-08
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)

I'm in the market for a home, so recently i pulled my credit report to see what my score was and i see items on my report that are not mine. This is completely unacceptable and totally embarrassing. I need these items removed from my credit report. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX/XXXX. I have also contacted my city police and contacted the FTC as well.
Consumer complaint received 2019-02-08
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. (FL)

I recently Checked my Equifax report. it has alot of inquires, that should not be there. I disputed them a few Months ago. they are still on there and they are dragging my credit score down. and making it hard to get approved for credit card offers.
Consumer complaint received 2022-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

Ive always received emails from XXXX XXXX but thought they were spam emails until one day I received an email from a debt collector stating that I owe to {$6000.00} which didnt make sense. I reached out thinking it was scam and to clarify that it was. Upon calling I found out it was true and that someone had definitely stolen my identity.
Consumer complaint received 2022-08-18
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. (MN)

Last year when I tried to buy my house, I couldn't because when they gave me my credit report I had a car loan reported in my name from a bank in Florida XXXX XXXX  XXXX on XX/XX/XXXX, in the amount of {$15000.00} per 36 months which was not paid. I called this bank to report that it was a mistake, that I never applied for a loan with them numerous times and never had a solution. It still shows up on my credit report as closed but unpaid which affects me a lot. I have never lived in FL and another important fact is that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and have always lived in XXXX. I have never taken out a car loan even here in XXXX. According to the report, the person who made the credit paid it only until XX/XX/XXXX and no longer pays. How can they use my identity for this? I need to get that off my credit report or I'll never be able to buy my house.
Consumer complaint received 2019-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/18 I opened a Bank of America checking account with referral-promotion code XXXX. This promotion code entitled me to {$150.00} bonus after meeting certain requirements such as two direct deposits of {$500.00} or more each within 90 days of account opening. 

I can confirm I met these requirements, however I was paid only {$100.00} on XX/XX/2018. for the promotion. After talking to Bank of America, their customer service representatives are clueless and continue to escalate the situation by opening up " tickets '' to supervisors which I never hear back from. Wasted time, efforts, and resources for the promotion that was not given as promised. 

I have attached the promotion page and promotion code given to me through a referral that stipulates all the requirements. Bank of America should and WILL honor the promotion for the {$150.00} as promised.
Consumer complaint received 2018-03-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (GA)

ADA/XXXX Violations During the process of submitting a loss mitigation application, I have been asked multiple times about my XXXX. My XXXX status has been scrutinized and I feel my rights as a XXXX person have been disregarded and violated. 

I have been asked how long Ive been XXXX. I have been asked how long I expect to receive XXXX. I have been asked to provide a bill or documents that support my illness and diagnosis, explicitly detail my illness and/or directly indicate my XXXX state. I was asked that it detail certain dates or time frames. 

Im now being subjected to repeated calls and requests for the same and/or similar information which is not only causing additional and undue stress and a negative impact on my conditions. They are claiming information not received or just the need to clarify or verify information stated. 

I was told the mitigation process began on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ; and was to complete by XX/XX/2018. Now Im told the process did not start and is just beginning and might be a while longer. 

I have repeatedly been inquiring about foreclosure information and told different information, now on self recorded calls. I was told I was in foreclosure. Called the attorney and was told no file in hand. They indicated my file was in loss mitigation and foreclosure never initiated. Called foreclosure department at Dovenmuehle and they stated loan Not in foreclosure. It was in loss mitigation. 

I told all this to a XXXX XXXX and I also told her several dates I tried to get reinstatement details and was not provided. She cut me off and said shed have to get with management to look into things. She said the foreclosure information was incorrect and said she didnt know why anyone indicated confusion. They likely just havent properly filed everything yet.
Consumer complaint received 2017-12-21
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)

I WAS A VICTIM OF IDENTITY THEFT. WHEN I FOUND OUT ABOUT THE IDENTITY THEFT, SOMEONE HAD USED MY PERSONAL INFORMATION TO OBTAIN CREDIT AND UNSECURED LOANS. I HAVE FILED A POLICE REPORT AND FTC REPORT WHICH WAS SENT TO ORIGINAL CREDITOR ( XXXX XXXX ) AND ALL 3 MAJOR CREDIT REPORTING AGENCIES. XXXX AND XXXX HAVE BOTH REMOVED ALL ACCOUNTS WHICH WAS OPENED BY IDENTITY THEFT PERSON. I HAVE SUBMITTED 3 DIFFERENT DISPUTED WITH EQUIFAX WITH NO RESOLUTION. I AM IN PROCESS OF REFINANCING MY HOME WHICH I AM NOT ABLE TO QUALIFY DUE TO EQUIFAX IGNORING MY DISPUTES. THIS HAS PUT ME IN A VERY BAD POSITION AND HAS CAUSED ME MENTAL ANXIETY AND LOSS OF INCOME BECAUSE I AM NOT ABLE TO COMPLETE MY REFINANCE.
Consumer complaint received 2022-08-18
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. (MN)

Last year when I tried to buy my house, I couldn't because when they gave me my credit report I had a car loan reported in my name from a bank in Florida XXXX XXXX  XXXX on XX/XX/XXXX, in the amount of {$15000.00} per 36 months which was not paid. I called this bank to report that it was a mistake, that I never applied for a loan with them numerous times and never had a solution. It still shows up on my credit report as closed but unpaid which affects me a lot. I have never lived in FL and another important fact is that XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and have always lived in XXXX. I have never taken out a car loan even here in XXXX. According to the report, the person who made the credit paid it only until XX/XX/XXXX and no longer pays. How can they use my identity for this? I need to get that off my credit report or I'll never be able to buy my house.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (RI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Consumer complaint received 2019-02-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (CA)

Citi is acting with gross incompetence and negligence regarding a financial matter. Citi is in violation of RESPA title X. 

At issue are multiple of submissions of documents that Citi keeps requesting and Citi is not reading the documents submitted. First Citi is asking me to send them a mortgage statement for their own loan. No lender on earth asks for the borrower to send in their own mortgage statement, they send that to me, not the other way around. When I sent it in, they actually rejected it stating it was outdated yet it was the most current one they sent to me. This is gross incompetence. 

I have sent their requested docs ( attached here ) multiple times. All mortgage statements, all current and nothing cut off as they are claiming. They have all required documents for modification review yet are refusing to open my modification review per RESPA guidelines. 

Additionally Citi is requiring me to mail in an authorization letter which I have done so multiple times and Citi still hasn't updated our authorization in a month. First I shouldn't have to mail in a form. This is the year XXXX not XXXX, they accept payment electronically they can most assuredly accept an authorization form electronically. Secondly they aren't even processing my paperwork. It seems Citi has too many loans and not enough people working there. They need their portfolio trimmed by the government just like XXXX XXXX. Homeowners should be losing homes due to their negligence and incompetence.
Consumer complaint received 2019-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

un approved charge to my Chase checking account. 

XXXX add offering free trials on pills. I ordered the free trial I paid the shipping cost. 
The pills don't work I believe they are no good. I contacted the customer on XX/XX/XXXX to cancel. I did receive a E-Mail confirmation for no future charges on my account. and on XX/XX/XXXX. I get a charge for {$92.00}. and there was no additional product sent only the original free trial. I contacted my bank, they added a credit for this amount and mid month I received a notice from Chase that they have charge the {$92.00} again. I have not received any additional product from this company but they did charge my account after the day they agreed to cancel. I will attach the accepted cancelation notice. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
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. (NJ)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2022-08-18
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. (MN)

Last year when I tried to buy my house, I couldn't because when they gave me my credit report I had a car loan reported in my name from a bank in Florida XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, in the amount of {$15000.00} per 36 months which was not paid. I called this bank to report that it was a mistake, that I never applied for a loan with them numerous times and never had a solution. It still shows up on my credit report as closed but unpaid which affects me a lot. I have never lived in FL and another important fact is that I moved to this country on XX/XX/XXXX, and have always lived in Minnesota. I have never taken out a car loan even here in MN. According to the report, the person who made the credit paid it only until XX/XX/XXXX and no longer pays. How can they use my identity for this? I need to get that off my credit report or I'll never be able to buy my house.
Consumer complaint received 2019-02-08
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. (CA)

Telephone payment made via XXXX system. The system did not post the payment at the time payment made. I discovered this error made by XXXX payment system and notified XXXX XXXX. I stated fanatically the fact that the payment had been made via there telephone system. They declined to investigate the possibility the system made an error occurred at the time the payment was made. The telephone system provided by XXXX XXXX to consumers allowing the processing of payments is not infallible. XXXX to date has not made any attempts to asst me in reporting accurate information on my credit profile. The account has always been current and is current now ...