davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Experian Information Solutions Inc. (GA)

Experian refuses to allow me to Dispute the XXXX XXXX XXXXXXXX account as closed since XX/XX/XXXX. Please reach out to both XXXX and Experian and make them dispute this as a closed account. 

XXXX XXXX Submitted warning Disputes submission failed! 

XXXX XXXX XXXXXXXX Account closed Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. 

Still have questions? 
Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 
Mon - Fri : XXXX to XXXX XXXX Contact us : ( XXXX ) XXXX Customer Service
Consumer complaint received 2022-08-27
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. (CA)

Dear XXXX : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The date opened doesnt match the date opened on XXXX and Experian. therefore I would like this account to be removed and cleared from my credit report. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX XXXX DOB : XX/XX/XXXX * XXXX has already deleted the account due to the dates not matching.
Consumer complaint received 2023-06-25
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. (DE)

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney! Someone used my information to purchase a vehicle and credit card in my name and I need the following removed from my credit report that's listed in the report.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

Deposited a check of {$5000.00} on XX/XX/XXXX into my Chase Checking account. The Check was written from XXXX 's by my parents. 
Chase cashed the check on XX/XX/XXXX and is withholding the money from my account. I called Chase and they said they are holding up the transaction because of potential fraud and froze my account. Asking me why did they write this check to me etc. 
I was told by Chase in order to unfreeze my account, we need to go to XXXX 's bank with my Dad to confirm the check was real. We did this in person. 
Then was and then told I need to go to a Chase branch to confirm this as well.

We did this and it was confirmed by the bank manager at the XXXX location. 

We showed two forms of ID. They unfroze my account but wont cash or give the money back to my parents account. 
The Chase branch couldnt even get through to there own people. The Chase fraud division never heard of XXXX bank and kept calling a bank in Minnesota. We were all shaking our heads. This whole process took XXXX hours and the check is still on hold. 
I have a mortgage with chase and have perfect credit. I have a credit card with them as well. Not sure what else I can do. I would appreciate your help with this matter. 
Personal note. My Dad showed his drivers license and his XXXX picture veterans affairs card. They said they need more info. He had to give them his chase credit card for them to approve his identity. The people were rude and unhelpful in the phone. The bank manager and XXXX at the chase branch were very nice and helpful but still apparently couldnt resolved this Thank you
Consumer complaint received 2018-11-09
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)

I returned the item but against the creditors repo of a late item it was sent back to me without a new account agreement. It may be a fraud report because Iake the item and computers. Or someone using XXXX logo. The late fees were not my responsibility but I paid the remaining balance.
Consumer complaint received 2022-08-28
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. (CA)

I entered into a consumer transaction with XXXX Bank XXXX XX/XX/2022. Based on the condition of my credit I was pre approved for {$2000.00} credit limit ( see attached ). I then accepted the application because it would cover what I needed to purchase for my personal and or household goods. After I accepted the offer, I was told that correspondence will be sent to me in the mail. I received a letter dated XXXX XXXX stating that in order to complete my request, we require additional information to verify your identity. So I called the XXXX number provided in the letter ( XXXX ) XXXX and provided the info asked of me. At that time, another pull to my credit report was conducted to which the agent on the phone did not disclose to me that they would pull my credit. I was not informed that my credit limit would be subjected to the condition of my credit report arising from the credit pull on XX/XX/2022. This has caused me serious harm as defined in 18 USC 1589 ( c ) ( 2 ).

Pursuant 1581b ( a ) ( 2 ), my written consent is needed to furnish a consumer report about me. I did not give XXXX XXXX and XXXX permission to pull my credit on XX/XX/2022 and they did not have the lawful authority to report to a non affiliated third party my nonpublic personal information. On XX/XX/2022 the credit card account was opened and reported to to the credit reporting agencies without my written consent. No consent due to non disclosure is not lawful authority. No consent is aggravated identity theft. It is my right to a fair and equitable credit report. Pursuant 15 usc 1681 ( b ), Im aware that under the Gramm-Leach-Bliley Financial Protection Act ( 15 USC 6802 ) my nonpublic personal information should not have been disclosed to any non affiliated third party ( Credit Reporting Agency ) without my lawful consent. 

Furthermore, the agent told me that I was only approved for a credit limited for {$630.00}. I then told the agent and her manager that, that I have already accepted the credit limit of {$2000.00} on the date that I extended my credit on the initial consumer credit transaction in XXXXXXXX XXXX They then told me that there is no application in the system for that limit. This is a breach of their fiduciary duty. 

See attachments showing proof that : 1. I entered into the transaction in XXXX. 
2. The XX/XX/2022 letter states in order to complete your request proof that an application was accepted in XXXX. 
3. The original credit limit I was approved for which is {$2000.00}. 
4. Credit report showing the date open which is incorrect, fraud, and proof that they ran my report again on XX/XX/2022.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (DE)

We refinanced a mortgate with First National Bank of Pennsylvania ( FNB ). We closed on XX/XX/21 and were to receive a check for $ XXXX from the transaction. By the end of closing, funds still had not been provided by FNB and so we left empty-handed. We were told it would be resolved this morning. Still not resolved, still have not received the money.
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (CA)

Dear Creditor XXXX XXXX XXXX XXXX, I cancelled your 30 Day trial offer within 12 days and contacted you via phone and confirmed this with you. You mentioned the cost I owed to you in the amount of {$85.00} if the router was not returned back to you. We showed you proof of receipt that the router was returned with a new balance of {$0.00} but yet you insisted on selling this debt to the debt collector, Waypoint Resource Group. Because of this, you have made my credit score drop XXXX points leaving a XXXX XXXX against me. I did not deserve this and I do not appreciate this at all.
Consumer complaint received 2019-11-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

I have been paying an extra {$60.00} dollars each month on my student loans, set up on Auto Pay for at least the past year in an effort to pay down my high interest rate private student loan. I just discovered that they stopped takign the additional overpayment effective this month. I went online to see why my extra payment was no longer coming out of my account, and found the following info from the Navient website. Apparently they don't want anyone to be able to easily pay down their loans faster than scheduled : How do I enroll in Auto Pay, or increase my Auto Pay amount? 
Select Auto Pay in the navigation menu to enroll. 

Your recurring Auto Pay amount can't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in the navigation menu and specifying an additional amount for any loan enrolled in Auto Pay. 

This is gargabe. I need to be able to easily allocate additional payments. Having to remember to login each month just to make an added payment is cumbersome, and this change is new. What gives Navient? Give us a chance here!
Consumer complaint received 2020-09-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (MI)

I was approved for forbearance on my mortgage account related to COVID 19 financial difficulties. My payments were reinstated as of XX/XX/2020. I made the XXXX payment on XX/XX/2020 however my servicer has not credited that payment to my account. I have messaged DMI servicing twice now through its secure message center asking for my payment to be credited but I have not received a response. When I review my account, my payment still shows due for XX/XX/2020. I realize I need to reinstate my loan however I have not received any formal communication from DMI as  to my reinstatement options. Obviously I do not have the ability to pay the 3 months of deferred payments in one lump sum otherwise I wouldn't have applied for forbearance but I also do not know what my options are. I do not want to talk to DMI by phone. I would like any communication to be mailed so I have a record of what my options are. 

In addition to this matter, DMI is preventing me from using its online payment system for making payments to my account and will not accept personal checks via mail or at a bank branch office. The only options I have for making payments is XXXX XXXX which causes me to incur substantial additional costs ( {$89.00} ) or certified check which again is an additional cost and a significant inconvenience as I am forced to go to bank branch and deal with an in-person interaction in the face of COVID 19. Neither of these options are ideal so I ask DMI to please reinstate my ability to make online payments to my mortgage account.
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (TX)

THIS IS NOT A DUPLICATE COMPLAINT So synchrony needs to step forward and look into this issue. 

This company keeps telling me to re-apply but i keep getting denied for various reasons. 

I am ready to go to the state attorney and file discrimination charges, This bank tells you top apply then denies you for various reasons. 

Enclosed various denials from the same company So which one is it? 

1. No history of credit ( lol ) 2. Too much credit 3. You can't verify me 4. I closed accounts with you 5. You closed accounts on me 6. You can't verify my identifications even though it has been sent to you several times So tell me which XXXX excuse is it?
Consumer complaint received 2022-08-28
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: Halsted Financial Services, LLC. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc. (GA)

I was told by a representative named XXXX ( who is no longer employed with the company ) at McCarthy , Burgess & Wolff, that she would allow me to settle my debt with XXXX XXXX at {$360.00} ( original amount was {$430.00} ) and on XX/XX/2019 they transferred me over to a representative that would email me as soon as I made the payment with her billing team. I was transferred over to them to make a payment on XX/XX/2019 which was debted from my account on that day. Since XX/XX/2019, I called XXXX back and she called me back before she was fired from her position. On those ocassions, she kept promising me that she sent me an email that had the terms of this settlement agreement that would state this would be removed from my account and show debt was PAID IN FULL on the receipt. I never received any records of anything from this debt collection agency but was debted for the settlement amount on XX/XX/2019. On each contact with XXXX, she assured me there was nothing to worry about and I would receive her emails in a few hours, as it takes their system a while to send outgoing emails. I agreed Again, waiting all day for the email, no documentation was sent from this collection agency via email or postal mail about my payment and the agreement XXXX and I had on a recorded line SEVERaL times. I called again feeling deceived and spoke to a XXXX XXXX on XX/XX/2019, XXXX assured me SHE would, in fact, email me and I would receive an email in a few hours. Checked Spam as well as normal inbox and again, nothing. She also gave me the information about XXXX on a recorded line stating her job loss as well as that she did not actually email me according to the records. I have not received any documentation from this collection agency and demand that XXXX XXXX, as well as MB & W, remove this debt from my report as I have called numerous times and promised it would be removed and made whole after I paid it. I believe this is deceptive business practices and the debt is still appearing on my credit report as of today.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PR)

I am writing to formally dispute the collection account listed on my credit reports with XXXX, Experian, and XXXX, Upon reviewing my credit reports, I have identified inaccuracies in the reporting of this account that require immediate attention and correction. 

Please find below the details of my dispute : Incorrect Account Status : The account status is reported as " Open '' on all three credit bureaus, which does not accurately reflect the current status of the account. While the account was previously delinquent, it has since been brought current and is being paid as agreed. Therefore, the account should be reported as " Paid as agreed '' or " Current, '' reflecting its updated status accurately.

Inconsistent Payment History : Although the account history indicates past delinquencies, it fails to reflect recent payments made to bring the account current. While Experian accurately reflects recent payments, XXXX and XXXX continue to report delinquencies. This inconsistency in reporting requires clarification and correction to accurately reflect the current payment status of the account. 

Discrepancy in Balance Reporting : There is a discrepancy in the reported balance across the credit bureaus. XXXX reports a balance of {$160000.00}, whereas Experian and XXXX report a slightly higher balance of {$160000.00}. Given that the balance is a critical factor in assessing creditworthiness, I request verification and alignment of the reported balance across all three bureaus. 

Date Last Active : The date last active varies among the credit bureaus, with XXXX reporting XX/XX/year>, while Experian and XXXX report different dates. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.
Consumer complaint received 2023-06-16
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. (TX)

On XX/XX/2023, and XX/XX/2023 I submitted investigation and validity letters to the credit bureau via certified mail, asking for them to investigate some erroneous invalid reporting. 

The credit bureau is double reporting an " unverified '' debt which is negatively impacting my credit. 

The alleged debt is from XXXX XXXX  # XXXX. However, XXXX XXXX XXXX  are reporting the same " invalid '' debt on my credit for XXXX XXXX  # XXXX. Neither company has any right to report on my credit because this is not my debt! Both creditors have failed to show me any accurate documentation to validate this debt! I want these immediately removed from my credit report. I have suffered long enough just trying to get through to robotics of this credit bureau not taking my investigations and credit seriously!
Consumer complaint received 2019-01-04
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: Innovis (OH)

I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : 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 XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please delete the following : ( 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 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (VA)

Account was compromised and have been a victim of fraud XXXX of which was in XXXX of 2022 and in the amount of. {$1300.00} and the other {$530.00}
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bliksum, LLC (AZ)

A couple of years ago, I took out a loan with www.loanme.com. The original amount was around {$10000.00}. There was an early dispute. That dispute was fully resolved more than 2 years ago. Therefore, a reference to a dispute on my credit report is simply wrong. But the Company is still reporting that the item is in dispute, which is doing me serious harm.
Consumer complaint received 2019-08-04
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. (TN)

I am a XXXX yr old victim of identity theft. I have on file an ftc complaint and notarized id theft affidavit.Fraudulent accounts have been deleted from my credit file but the inquiries still remain. I have not applied for any credit in 10 yrs