davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I filed a CFPB compliant against XXXX XXXX. They said it isn't them that is misreporting the data. Yes, a foreclosure was started by XXXX XXXX  in XX/XX/XXXX but, the house was short-sold in XX/XX/XXXX and it never foreclosed. Experian is showing in the 24-month payment history a Charge off status XX/XX/XXXX. This is an error. You can see the other 2 bureaus do not report this information. This issue is causing me a mortgage decline because my lender says my house was foreclosed not short sold which is wrong.
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I recently discovered that I C System Inc has been reporting an outstanding XXXX debt ( XXXX XXXX Hospital ) to my credit since XX/XX/2015. I do not owe this. I don't know how XXXX determined anything was owed to them since payment was made at the time services were rendered. It's not like my XXXX can walk in on his own and have services billed to me. I have attempted to dispute this debt to both IC System and the XXXX XXXX office, to no avail. I have asked for proof of this debt and received no response. IC System simply keeps verifying it as accurate without ever actually telling me how.
Consumer complaint received 2023-04-10
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. (TX)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (WV)

Midwest recovery system has been saying I owe them money since XX/XX/2018. I have never even been to this office in Missouri, it started when I left for XXXX XXXX  and was XXXX in Missouri. There have been multiple times that Ive had to try and removed this debt because it is hurting my credit score. The debt is not mine. Ive even froze my credit in hopes of it stopping this company from making fraud claims on me and nothing has worked. This one said I have a debt owned from XX/XX/2018. Ive been home since XXXX. Please help me permently remove this
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

I opened an account with Synchrony Bank for a retail credit card with XXXX XXXX I was on XXXX military XXXX at the time. Since then other credit card companies have return and amended interested and refunded fees I had during this time to be compliant with SCRA Servicemembers civil relief act. However Synchrony bank is noncomplicit and refunds to adjust for interest rates or payments for the months and times I was on XXXX military XXXX
Consumer complaint received 2024-02-28
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. (TX)

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 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 has violated my rights. Or a list of inquiries : 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 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 2022-06-13
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-13
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

After Santander bank filed for petition to foreclose my house, I received a call from XXXX that assured me that they can modify my loan and charged me around {$4000.00}. 
Now I have a notice of foreclosure in my hands. Santander is playing games by asking to supply them by some minor information or more recent pay stubs, by the time they receive the info they trash the whole stack of papers that I already sent by saying it has been over 2 months. 
They did this to me, also to XXXX twice
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint onXX/XX/XXXX.

Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 146 days and counting And still I can not prove I own the home I live in.
Consumer complaint received 2023-04-10
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. (AZ)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-08-29
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: JPMORGAN CHASE & CO. (MI)

I applied and was approved for the Chase Marriott Bonvoy Boundless card from Chase. I used a link which advertised 1. {$200.00} statement credit after first purchase within 3 months of account opening, 2. Two free night awards valued at up to XXXX points each after you spend {$3000.00} in purchases in your first 3 months of account opening 3.  Annual fee of {$95.00} waived for first year. 

I instead received a {$250.00} statement credit and only 1 free night award valued at up to XXXX points. 

The award statement on my account documents Premier Plus Two Free Nights, each certificate good for 1 free night   up to XXXX points. There was only 1 certificate though. 

I contacted Chase several times to resolve the discrepancy. I asked them to change the statement credit from {$250.00} to only {$200.00} and to provide the 2nd reward certificate. I was not able to get any resolution, even with an escalation to a supervisor. The supervisor told me that the reward that I signed up for was a {$250.00} statement credit and 1 free night certificate. 

I do not agree with this. I carefully read the details on the Chase page before applying. In addition, the language in the certificate on my Marriott account documents 2 Free Award Nights. I have attached a picture of this.
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. (GA)

I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my report, I noticed an inquiry that I do not recall authorizing. I have attached copies of the relevant documents for your reference. 

Considering I have no recollection of authorizing this inquiry, I am concerned that it could potentially be fraudulent. As such, I request that you promptly investigate this matter and remove the inquiry from my credit report immediately. 

Please provide me with an update on the status of this dispute once your investigation is complete. You can reach me at the contact information provided above. 

Thank you for your attention to this matter.
Consumer complaint received 2022-06-13
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: CITIBANK, N.A. (NV)

I submitted application through XXXX XXXX which advised that inquiry would be a soft inquiry ; however after reviewing my XXXX credit report this inquiry is appearing as a hard inquiry that has resulted in a decrease in credit score that I did not authorize on XX/XX/2022.
Consumer complaint received 2022-05-04
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. (GA)

The following account listed below, the date where it shows that I am late in making my payments was an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to both Bureaus and the furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses. 

XXXX  XXXX XXXX Balance {$60.00}
Consumer complaint received 2018-12-06
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: EQUIFAX, INC. (FL)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I tried to submit a dispute with Equifax and they make it impossible to put a dispute in. In XX/XX/2018, XXXX XXXX took off a collection account. XXXX and XXXX  have already taken off this acct off my report, but I am unable to Equifax to put a dispute in with Equifax and they have denied me a yearly report.
Consumer complaint received 2018-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (TX)

I received a call from Source Receivable, located at XXXX XXXX XXXX , # XXXX, XXXX, North Carolina XXXX, a debt collection agency beginning the week of the XXXX in the month of XXXX. The lady I spoke with stated that my debt could be settled for a lessened fee. I agreed and gave her my card info, I then told her that I could not make the payments right away. She informed me that that indeed was fine and that they would not take any unauthorized payment from me unless I gave authorization to do so and that she would give me a call back Friday to see if I could make the payment. I did in fact receive a call back that following Friday and spoke to a male. I explained to him that I could not talk due to having a patient with me which was the end of our conversation. No further details were discussed. I then noticed today, XX/XX/2018 that there was a transaction taken out by the agency in the amount of XXXX. Upon further reviewing my bank statements I realized that the first transaction taken out was Friday, XX/XX/2018, the very same day that the male called me although I couldnt talk to him at the moment. A total of 3 payments were taken out. I then called Source Receivable located at XXXX XXXX XXXX , # XXXX, XXXX, North Carolina XXXX in order to dispute the transaction. The male representative I spoke to told me he nor his supervisor could interpret the tape and that someone else would call me. 2 hours later I received a phone call from a Lady named XXXX, who told me that O wasnt getting my money back, and that if I didnt authorize the call why did they have my credit card number. I explained to her that I did in fact give my credit card number but stated I could not make those payments, I then informed her that the lady said I would get a call back Friday to authorize the payment. She then told me that I did not get a phone call back and that the lady never told me she would call back and get an authorization. She was very nasty and disrespectful, I asked for her last name and she informed me that she would give her first name only, I ask her if I could review the tape and she said no. The company went from telling me they couldnt understand the recording to telling me that the lady I spoke too did not say what was said when she in fact did. I did not receive any letters in the mail of any monies retrieved from my account from this company
Consumer complaint received 2018-12-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (FL)

XXXX has been non-compliant with removing the unverified account FMC-XXXX  XXXX XXXX Date opened XX/XX/2008 which has been deleted by XXXX  and XXXX. XXXX   and XXXX  have both completed their research and determined that Date opened XX/XX/2008 was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (NJ)

I refinanced a lease vehicle and hard inquiries were sent to several financial institutions. I was not aware that this would happen, only after the fact. While I do no think it was the dealers intention to wreak havoc on my credit report, it certainly was not a necessity to inquire with several different institutions, since at the time of financing my credit score was " Good ''. 

I am requesting that the hard inquiries, as follows, be removed : XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX  XXXX I XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: VALLEY NATIONAL BANCORP (NJ)

XXXX XXXX XXXX XXXX XXXX  fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with XXXX. I had declined XXXX  XXXX XXXX credit and offer to match the financing through XXXX  of 60 months at 2.64 % and XXXX XXXX XXXX XXXX at XXXX XXXX submitted them anyway.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX  XXXX XXXX  fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with Transunion. I had declined XXXX  XXXX XXXX credit and offer to match the financing through XXXX  of 60 months at 2.64 % and XXXX XXXX XXXX XXXX at XXXX XXXX submitted them anyway.
Consumer complaint received 2022-07-21
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: Radius Global Solutions LLC (CA)

I have a outstanding debt reported on my credit report that does not belong to me. The original bank has no record of the account, but the debt collection agency continues to call, mail and report this on my credit report, resulting in bad credit.
Consumer complaint received 2021-11-19
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. (GA)

XXXX of XXXX ran my report hard inquiries without my written permission. I verbally gave permission for them to run once to look at. After I declined there offer they continued to run my credit with different banks without my written permission. Which resulted in my score dropping XXXX points according to XXXX I called and spoke with finance manager whom argued and lied to me about doing it
Consumer complaint received 2018-04-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I lived in the XXXX XXXX in XXXX, Texas from XX/XX/XXXX until XX/XX/XXXX, during which time I came into personal conflict with a member of the office staff who made lewd comments about other customers and took offense when I objected to his disparaging treatment.

After we moved out, I paid a maid service to clean the apartment from top to bottom, and we left the unit in better condition than we found it. A receipt for the cleaning was produced at that time, however they insist that it is not in our file. Amazingly, nearly six months later I received notice that we owe {$1400.00} for cleaning the apartment unit. I regard this charge to be outright fraud. My wife and I have excellent rental history and good relationships with our landlords. We left this apartment smelling of bleach and Pine-sol.

The XXXX XXXX employee I was in conflict with laughed at me when I called the office to discuss these fraudulent charges, and told me it was " tough XXXX  '' and that I'd have to pay up or I would " never be able to rent in XXXX  again. '' Thankfully, this threatening comment was not true, but their fraudulent charges remain on my credit report despite numerous disputes filed with all the reporting agencies.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (GA)

Lane Bryant is a store credit card that is financed through Comenity Bank aka Bread XXXX. I have had this card for some time now so I am saavy about reading my email, letters that come through U.S. mail and communications sent to me electronically on the store credit card website. I was checking my account balance recently and started to go back and review my bills. I receive my bills paperless and generally just go on the website to pay the bill. When I saw that my balance was not really going down like it normally does, I started digging into previous bills and noticed that at some point, I started receiving DOUBLE finance charges from this company. I called in XXXX times to try and have the issue resolved however always received the runaround. The last time I started asking questions about terms and conditions and it was noted that they did not send me a copy of the terms when they changed them. There were no terms in my electronic communications nor had I received any via XXXX. Therefore XXXX Lane Bryant broke their original contract with me, did not properly notify me of the change in terms that would impact my account, and consequently, I am asking that these DOUBLE finance charges be removed from my account. I should have ONE finance charge for EACH billing cycle. This conversation about change of terms took place about XXXX months ago. I am a XXXX XXXX, so was really busy trying to XXXX XXXX  in the pandemic. Now I am on summer and want to pursue this issue of non-compliance on the part of the credit. It appears that Comenity is making these changes on all of their accounts gradually. Thank you!