davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (NY)

Chase Sapphire Reserve Card ending in XXXX Claim # XXXX Initial claim filed on XX/XX/18 Claimed for lost deposits and costs involved due to XXXX XXXX flight cancellation that occurred on XX/XX/18 in the amount of {$380.00}. 
I have contacted them multiple times by both telephone and email, asking progress of claim. In one case they asked for further information which was provided. In each case after contact I was advised that I would be contacted. No followup and no progress ensued.
Consumer complaint received 2018-12-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (OR)

On XX/XX/2018 I spoke with a representative as well as his supervisor regarding repeated denials by Paypal 's computer to allow me any transactions envolving my PayPal credit account. The explanation given was that I was being denied by their computer for security reasons. When I asked why. I was told they had no way of knowing and there was nothing they or I could do. I had undergone numerous security checks and identity challenges with nothing but positive reports.
Consumer complaint received 2022-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WH

OM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (TX)

The US Department of Education is reporting multiple charged off student loans on my reports. 

All of the accounts have been deleted from other bureaus, however the remaining bureaus reporting these accounts are reporting inaccurate and inconsistent information. These accounts, US DEPT ED XXXX, US DEPT ED XXXX, are reporting inconsistent last payment dates, active dates and open dates. 

If all bureaus get their information from the same place, how is it that each bureau is reporting something completely different? Surely no real investigations have been completed in receipt of my disputes. It is illegal to report inaccurate information on a consumers reports and they are all in violation. I am demanding that these accounts are deleted from my reports now!
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Bank of America told me that in XXXX of XXXX their reporting to XXXX would be removed on the XXXX of XXXX. They have not removed it. This debt has been paid in full since I think XXXX. XXXX told me that Bank of America can remove but Bank of America refuses or says they can't depending on what person I talk to. This has gotten ridiculous and needs to be fixed.
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (LA)

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 USC 1681. 

XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, and 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 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, 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 2020-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2018-12-29
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. (FL)

XXXX XXXX XXXX XXXX and XXXX XXXX desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2023-03-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting the following XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AL)

This company is reporting an unverified account on my credit report.I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2022-03-20
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)

I just reviewed a copy of my credit report and found the following information to be an error. XXXX XXXX bank. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.
Consumer complaint received 2019-09-15
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. (IL)

XXXX XXXX XXXX  has reported on my Trans Union report on ( XX/XX/2018 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report immediately.
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I put a freeze on my account after EQUIFAX had a MASSIVE SECURITY BREACH and I was afraid my data would be hacked. I kept the unfreeze PIN safe, as instructed. 

Today, I am looking to apply to a new apartment with my partner. The real estate market is extremely hot in my city, so things move fast. The landlord said my credit was locked and we need to rectify immediately. 

I called equifax and they were INCREDIBLY UNHELPFUL. I was asked a series of questions - one was basically incomprehensible. I asked for clarification 3 times. The rep on the phone simply repeated the question. Then, because the question was so difficult to understand, I failed the verification. From that point, I was instructed that I 1. Was locked out of the process indefinitely. No escalation would help me.

2. I would need to take 5-7 business days to mail physical copies of my ID 3. Could not speak to a supervisor ( even though I asked MULTIPLE times ) I then tried to use their website. The " reset password '' flow is broken so I couldn't do that either. 

I was told this was so that Equifax could keep my data safe. The whole reason I am in this situation is because they did NOT keep my data safe. 

This is a horrible experience and will cost me this apartment. The fact that this random company that I did not consent to becoming a customer of has this influence over my life is APPALLING. ( not to mention the shady ways they are trying to get out of paying the settlement to many Americans. )
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I could not remember my password to log onto " Myequifax.com '' account, so that i could temporarily lift a credit freeze, so I changed the password following their steps. When i tried to logon after the password change i was not able to and was directed to call their XXXX number. When i called the XXXX number the customer rep told me i would have to mail them a copy of my drivers license and Soc Sec card to them in order to get the freeze lifted. 

Equifax is the company that had over XXXX XXXX credit records stolen from ; and now they want me to give them photocopies of my personal information! What?!!! I don't trust them with the info they now have and they want me to give them more?? The customer rep told me this is the only way to get a freeze lifted when Equifax is not able to verify that I am truly myself and not a identity thief. 
There must be some other way of verifying my identity other than mailing Equifax copies of my drivers license and Soc Sec card. 
Thank You
Consumer complaint received 2019-09-15
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: Experian Information Solutions Inc. (WI)

Experian, XXXX and XXXX are reporting derogatory info on my credit file. A firm named XXXX co dc is reporting a charge off. Have no idea who or what this firm is or sells. Requested CBR 's remove, they say will not do. Sent me nothing to substantiate account.
Consumer complaint received 2019-09-15
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. (WI)

XXXX, Equifax and XXXX are reporting derogatory info on my credit file. A firm named XXXX co dc is reporting a charge off. Have no idea who or what this firm is or sells. Requested CBR 's  remove, they say will not do. Sent me nothing to substantiate account.
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MD)

CFBP CASE # XXXX I am responding to the letter dated XX/XX/2019 from XXXX XXXX of Synchrony Bank. 


I her letter she stated that a new payment plan will take effect the following month ( XX/XX/2019 ). The new payment plan will be {$310.00} per month for 60 months for a principal balance of {$15000.00} at 5.99 % According to the attached amortization schedule ( please refer to the attachment ), the new payment is {$300.00}. There is a big difference between XXXXXXXX XXXX payment amount and my calculation. That is {$7.00} per month more Synchrony Bank is charging me. That is {$450.00} excess payment thru the life of the Loan. I will not accept the New Payment Plan Synchrony bank has been charging me {$390.00} per month at 5.99 % for {$20000.00} for 5 years. That monthly payment is also wrong. That actual monthly payment was {$380.00}. I was overcharged $ XXXXper month for the last 12 months. The total amount I over paid is {$210.00}. This is nothing but stealing, cheating by Synchrony Bank. 

I have filed my Complaint to the Office of Maryland Attorney General, Consumer Protection Division Office
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I applied for the Citibank Platinum Advantage card in XX/XX/2018 and used a special code that was sent via mail advertisement to my house. This was to obtain the promotional offer of XXXX bonus XXXX XXXX miles if I spend {$3000.00} within 90 days of opening the account. I fulfilled my spending requirement, however Citibank refuses to credit any more than their basic bonus of XXXX miles. Citibank owes me XXXX miles but will not credit my account unless I produce the original advertisement literature which I have thrown away already. I did not expect Citibank to fail to honor their promotion or I would have retained that evidence. I just want Citibank to honor their agreement and credit me XXXX miles to my XXXX XXXX account and this will be resolved. I should not be held responsible for Citibank 's application malfunction or internal website problems.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I tried to access my credit reports online using the Free XXXX XXXX XXXX  website on XX/XX/2021 and on XX/XX/2021. During XXXX all credit reporting agencies are required to provide weekly reports, yet Equifax denied my request both times stating that online delivery is unavailable to me. I have every right to access my credit report online, and I expect this issue to be resolved immediately.
Consumer complaint received 2021-09-02
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. (NV)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (DC)

We paid off a mortgage held by SunTrust Bank on XX/XX/2022. By letter dated XX/XX/2022 SunTrust acknowledged it owed us return of a mortgage escrow. SunTrust merged with Truist at some point in XXXX and has yet to ( as of XX/XX/2022 ) refund the mortgage escrow balance of {$8000.00}. We have tried repeatedly to reach them to discuss but have been unable to reach anyone to help even after waiting on the phone for multiple hours. I understand under 12 CFR 1024.34 the bank is required by federal law to refund the escrow balance in 20 business days, which time period has passed. I need help getting Truist to refund this escrow balance as they appear unable and unwilling to respond to their customers directly.
Consumer complaint received 2019-09-15
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: Experian Information Solutions Inc. (DE)

We were in a XXXX XXXX XXXX XXXX, paid off several cards in 6 months but have spent the last 7 months trying to get the credit bureaus to report accurate statuses and payment history. Experian in particular has actually created negative payment activity on 2 accounts we had with XXXX XXXX Credit Card. We had 2 accounts that were paid in full per settlements XX/XX/XXXX / XX/XX/XXXX but were continuing to show balances due and non payment for several months after. We have disputed several times since XX/XX/XXXX ( submitting documentation of payment and debt resolution from the creditor ) but each time, the dispute is closed with additional negative remarks etc. The last online attempts at dispute resulted in Charge Off Status for XXXX and again XX/XX/XXXX on these accounts that were paid / closed 9 months ago. I can not get a person on the phone and have spent hours fighting this. I have a settlement on a home in less than 30 days and every time I take action to correct the information with Experian, they are creating erroneous and derogatory information on our credit reports, resulting in significant score decreases because of new late payment ( again paid/closed 9 months ago but show Charge Off in Payment History for XXXX and XX/XX/XXXX ). I am in danger of losing my financing because Experians reckless misconduct and need help. I have all supporting docs including timeline of paper and online disputes. PLEASE HELP!
Consumer complaint received 2019-09-12
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. (TX)

inaccurate information on credit report. FTC violation XXXX XXXX in 2017 amount {$610.00} XXXX XXXX  XXXX  in 2017 amount {$2000.00}
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (TX)

XXXX XXXX  XXXX is reporting a charged off account on my reports that I have been disputing for a while. 

This account is reporting inaccurate and inconsistent data. I have contacted them directly along with the credit bureaus requesting verification and validation of debt and have only gotten a letter from them with a settlement offer. This account is also reporting inconsistent data as far as when the account was opened and has different last active and payment dates between each bureau. 

This account was originally reporting to all three bureaus but XXXX deleted this inaccurate account from my reports obviously because they saw that there was no proof this account belonged to me. XXXX XXXX XXXXXXXX could not even provide me with sufficient documents on how they believe this account is mine, instead they sent settlement offers which indicates they most likely can not verify this debt. 

How are XXXX and Experian able to verify this account as accurate when XXXX XXXX XXXXXXXX can not do so with me and XXXX could not verify this account? It is the responsibility of the consumer reporting agencies to report 100 % accurate information over the FCRA and they have not done so. I am demanding that this account is deleted from my reports now!
Consumer complaint received 2019-09-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (GA)

I never live in the property and then I found out that my identity was stolen. Please and I demand the credit bureaus delete this terrible debt off my credit ASAP. Which is XXXX I dont owe you have 5to 10 days to remove it. If you dont Im going to sue. And report to FTC.