davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc. (FL)

These account was opened fraudulently. I filed a dispute, but they still wont take it off my credit. ( XXXX ) The debt collector shows as XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX. ( XXXX ) debt Collector XXXX XXXX XXXX, The original Creditor is XXXX XXXX XXXX. ( XXXX ) debt collector Amsher Collection Service, The Original debt collector is XXXX XXXX XXXX. ( XXXX ) the debt Collector is XXXX XXXX XXXX. The Original Creditor is XXXX The XXXX XXXX XXXX. I need them to send me proof of the Original Contract and the Original Creditor. I need them to send me proof of my wet signature from the original creditor. If I dont receive any documents within 30 days they will need to remove the accounts from my credit report. Asap
Consumer complaint received 2019-04-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (IN)

I qualify for an Income Drive Repayment Plan. I have a reminder set to apply every year on the same day. For the past few years, XXXX will take a very long time to process the IDRP. Once they process it, they will mark my account as having late payments for the previous year. My credit score will drop 100-150 points. It takes months to fix it with the credit bureaus and also with XXXX. They make me submit it 2-5 times every year. They will tell me I filled it out wrong and need to do it a different way. I'm sitting on 2 months now dealing with this issue this year. It's like this every single year.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (PA)

I have applied for the American Express Hilton Honors Surpass card with a XXXX points bonus after {$1000.00} spent. I have met that minimum spent, but American Express refuses to give me the welcome bonus. I have tried reaching out to American Express many times to fix the issue but they never did.
Consumer complaint received 2023-07-06
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. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

To Whom This May Concern : I am confused as to the entity claiming to own my loan. Please send me the last copy of the original promissory note in your possession and an accounting on my loan for the time you were the servicer. I have asked for this repeatedly previously, but it was not sent. 

Thank you
Consumer complaint received 2019-04-17
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: Bread Financial Holdings, Inc. (RI)

XXXX XXXX sent me a letter ( see attached ) claiming that they received a report from XXXX   saying I had a bankruptcy on my credit report. That was false and defamatory. XXXX   verified that the information was not present on my report. Yet, the enclosed letter from XXXX   clearly states that false information and presents it as fact. In fact, it appears that XXXX tried to force that false information onto my credit report from what I have learned in an attempt to defame me because of ongoing complaints with them and my request for a payment from the Civil Penalties Fund.

This is extremely alarming and this letter ( see attached ) comes from XXXX and directs me to their Bankruptcy department. This is what XXXX had to say on the record : Company 's Response Thank you for submitting your complaint on XX/XX/2019 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicated that XXXX inaccurately listed a bankruptcy on your credit report. You would like the bankruptcy removed from your credit report. According to our records, the disputed information does not appear on your current XXXX credit report. We are in the process of forwarding you a copy of your credit report for review. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXXXXXX. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF According to our records, the disputed information does not appear on your current XXXX credit report. We are in the process of forwarding you a copy of your credit report for review.
Consumer complaint received 2018-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CO)

I want to submit another complaint against Chase Bank concerning my XXXX card. the original CFPB complaint # is XXXX. I have received two letters from Chase concerning my complaint. Both letters state if there are questions, please call at the respective numbers and hours. XXXX XXXX XXXX voice mail, who responded to the CFPB inquiry states he will respond within two business days. It is obvious to me Chase does not want to respond by phone. I find this behavior troubling, especially since I was a Chase card holder since XX/XX/XXXX. XXXX XXXX ; s response was the Sapphire card was issued after XX/XX/XXXX. In my original complaint, my XX/XX/XXXX statement includes an annual fee adjustment of {$55.00} dated XX/XX/XXXX which supports my claim I cancelled my Sapphire card in XX/XX/XXXX. Chase refers to a product change. I don't understand why I was issued another Sapphire card in XX/XX/XXXX. I cancelled my Chase Freedom card in XX/XX/XXXX, not my Sapphire card. The annual fee adjustment of {$55.00} was added back to my account on the XX/XX/XXXX statement. My issue with Chase is not just about the money. I believe Chase has taken advantage of me and refuses to resolve or take responsibility for their actions.
Consumer complaint received 2019-02-06
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. (AL)

My signature was forged on a student loan document as a guarantor for which I had no knowledge of. When defaulted, I was not notified as lender did not have my address or any other info about me. When I discovered, I made payments, in spite of not owing, and eventually paid/satisfied the debt. Creditor has reported to credit bureaus that any disputes have been paid and resolved, yet credit bureaus have not deleted this erroneous listing from my reports, in spite of creditor 's request.
Consumer complaint received 2019-02-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, on the date of XX/XX/2018 Bank of America put a hard inquiry on my XXXX  credit report. I am not aware of this, I tried calling but would just be put on hold for a long period of time.
Consumer complaint received 2019-04-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (AZ)

XX/XX/XXXX Loan ID XXXX. 

Lender required Direct ACH Debit using my bank account. This is a violating the Telemarketing Sales Rule and the Electronic Fund Transfer Act by requiring borrowers to agree to recurring automatic debits of their bank account as a condition of obtaining a loan. 

Located on loan application. 

Note ; ( e ) you fail to keep in force a bank account we can use to generate electronic payments page 4 Full Force and Effect. This authorization will remain in full force and effect until we have received written notification from you of its termination in such time and in such manner as to afford us and Depository a reasonable opportunity to act on it. You may send written notificatio by e-mail to XXXX or by mail to AvantCredit, ATTN : Compliance Department,XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Illinois XXXX. Upon termination of this authorization, you will be deemed to have selected the Remotely Created Check option below for all subsequent payments.page 3 This loan has since been paid off on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AP)

I have contacted USAA at least 3 times regarding their sending of physical mail. Their site allows the option for electronic statements and each time I call, no matter what rep 8 get, I am told the same line .... " You shouldn't be receiving anything in the mail ''. I have contacted the CFPB before and got no success. I'm tired of my account numbers, address, military rank, name, insurance policy numbers and vehicle identification numbers being sent in physical form. USAA has demonstrated their lack of ability to control their physical communications and this increases risk to myself and countless others who move frequently due to military requirements.
Consumer complaint received 2019-04-17
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. (GA)

Inaccurate payment history reporting on all 3 credit reports for XXXX. Information reported differs ; Transunion payment history shows last payment made on XX/XX/XXXX ( which is incorrect ) and paid as agreed through XX/XX/XXXX. XXXX   payment history shows scheduled payment of {$38.00} on a charge off account and paid as agreed through XX/XX/XXXX, which differs from Transunion. XXXX payment history shows paid as agreed through XX/XX/XXXX, but date of first delinquency of XX/XX/XXXX ; also account was sold but not noted on reporting. If reported accurately the information should be the same between all 3 bureaus. This was previously disputed, however, information reported remains the same.
Consumer complaint received 2019-04-17
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. (PA)

Hard inquire on my Equifax report for XXXX XXXX XXXX on XX/XX/XXXX that is not mine as i have never applied for anything from them ever. Happened while i was on vacation to Mississippi. Returned home and had a card from XXXX XXXX XXXX addressed to a XXXX XXXX XXXX with my address on it. I have never heard of this person although we share the last same name. I will attach the card from XXXX XXXX XXXX and proof of my identity. I have called both XXXX XXXX XXXX and Equifax and have gotten no results.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Inaccurate payment history reporting on all 3 credit reports for XXXX. Information reported differs ; XXXX  payment history shows last payment made on XX/XX/XXXX ( which is incorrect ) and paid as agreed through XX/XX/XXXX. Experian payment history shows scheduled payment of {$38.00} on a charge off account and paid as agreed through XX/XX/XXXX, which differs from XXXX. XXXX   payment history shows paid as agreed through XX/XX/XXXX, but date of first delinquency of XX/XX/XXXX ; also account was sold but not noted on reporting. If reported accurately the information should be the same between all 3 bureaus. This was previously disputed, however, information reported remains the same.
Consumer complaint received 2023-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MEDCAH, Inc. (HI)

MEDCAH, Inc. contacted me and told me that I owe to XXXX XXXX XXXX XXXX XXXX  DMV as of XX/XX/23 of {$430.00}. I believe this amount is the cost of my car registration. 

However, on XXXX  I went to the XXXX XXXX XXXX XXXX  and renewed my car registration. 

This should not have been sent to the debt collector, it caused my XXXX XXXX to rise unnecessary, I would like to complain about this debt collector company.
Consumer complaint received 2023-09-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (MS)

The loan was presented on XXXX XXXX. The loan company is OneMain Financial. All activity was online. The loan was taken out XX/XX/21. The interest is well over 20 % and the payment is higher than my mortgage principal. The payment is approximately {$340.00} monthly plus a {$5.00} ( approximated late charge if the payment is late ). They are calling me 3-5 times a day which is causing my XXXX  to stay elevated and XXXX rate elevated. There should be a in person interview and a limit on interest rates. Thank you.
Consumer complaint received 2023-07-06
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. (FL)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or were opened without my permission. XXXX XXXX According to FCRA Section 605B ( a ) the Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-04-17
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. (NC)

My identity was compromised in 2007 and there are numerous items on my credit report that were not created by me or have been satisfied. XXXX XXXX XXXX is stating I owe {$13000.00} but that account was not opened by me. Also XXXX XXXX is reporting that I owe approximately {$1400.00} and that debt was satisfied. There are also 3 additional accounts I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I would like these incorrect items removed from my report immediately as one has been satisfied and the rest coincide with the identity theft from 2007. I am an individual of integrity and satisfy my debts when I originate them. I have tried to get these items removed through the reporting companies with no success.
Consumer complaint received 2023-07-06
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. (PA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A sectio n 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. No Opt outs were granted per 16 CFR-313.17 also in violation of 16 CFR 433.2- Account number- Credit bureaus have multiple late items with unmatching dates and late payment statuses that need to be updated. Also there are multiple charge off Accounts these accounts can not be listed as income on my end due to company already charging these items off via 1099 this would be double accounting and fraudulent collecting. There was also information being shared that was not authorized to other 3rd party affiliates this is a violation of the Privacy Act of 1974. 
Company information
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Hi, I would like to file a complaint in hopes of rectifying a situation I have with Synchrony Bank. I have made several attempts to clear this matter up with the bank before contacting your agency. 

On XX/XX/2022, XXXX XXXX  I opened a XXXX account to purchase an automotive fuel injection kit. 
I also have XXXX XXXX  account with Synchrony Bank. These XXXX accounts are being confused. 

The issue arose when someone at the bank charged my purchase from XXXX XXXX to my XXXX XXXX account. I asked for a correction of this situation as soon as I discovered the situation. I was told it would be corrected several times but that has not happened. 

Someone made a mistake in posting this transaction to the wrong account and I am having to go through this process to correct the matter. 

The item I purchased should be charged to account XXXX XXXX XXXX. This would make this situation correct. I clearly opened the account for this purchase. 

I am also being interest at the wrong rate because the balance that has occurred because of this error. 

The invoice I included clearly states the item was purchased to the XXXX XXXX XXXX XXXX. Its toward the bottom of the invoice on the left side. 

I truly hope you can help me with this matter. I have enclosed a copy of the invoice. If you towards the bottom it clearly states the charge was made to XXXX. That did not happen and I need your help. 

Respectfully
Consumer complaint received 2023-07-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (GA)

XXXX did a background check with CHECKR background check and some information is not mine. I attached a copy of the packet XXXX sent me and a copy of the claim on my background check. either someone used my lost old expired license or checkr has the wrong information. 

XXXX, NV Consider UNLAW TO TEXT/TALK ON CELL PHONE/1ST ( STATUTE : XXXX ) XX/XX/2014 Case Number XXXX File Date XX/XX/2014 Court Jurisdiction XXXX - NEVADA-XXXX COUNTY-XXXX  XXXX XXXX MUNICIPAL COURT XXXX COUNTY XXXX XXXX XXXX County XXXX State NV Charge UNLAW TO TEXT/TALK ON CELL PHONE/1ST ( STATUTE : XXXX ) Charge Type misdemeanor Oense Date XX/XX/2014 Charge Date XX/XX/2014 Disposition FOUND GUILTY Disposition Date XX/XX/2014 Sentenced to TYPE : FINE : 50 TYPE : COSTS : 65
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 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 2019-04-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX paid in full XXXX XXXX   XXXX never late XXXX XXXX XXXX paid in full XXXX XXXX {$0.00} not mine