davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I contacted with CFPB before about my issue, case # XXXX on a XXXX XXXX  ending XXXX. 

first they withdraw a money that I already paid ( {$73.00} ) I tried a lot to fix this with them but with no result. 

then I contacted with cFpb, XXXX XXXX XXXX XXXX emailed XXXX last XX/XX/2021, to admit this problem and they pledged to pay XXXX my money in a check within XXXX weeks. 

after couples of weeks of this date, I never received any checks, I tried to call the number they provided in the email to issue that but no body answer every time. 

I gave up to wait or contact them Thank you XXXX
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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. According to FCRA Section 605B ( a ) the Equifax 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. 

XXXX XXXX XXXX XXXX Open Date XXXX XXXX, 2017 Balance : {$7900.00}
Consumer complaint received 2022-09-01
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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. According to FCRA Section 605B ( a ) the Experian 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. 


XXXX XXXX XXXX XXXX Open Date XXXX XXXXXXXX XXXX  Balance : {$7900.00}
Consumer complaint received 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

My name is XXXX XXXX and this is the name on my mortgage documents. 

My mortgage was sold to Freedom Mortgage in XXXXXXXX XXXX. I received a Welcome letter from Freedom Mortgage with all pertinent information is XXXX, XXXX. 

My Mortgage XXXX number is XXXX. My mortgage payments are mailed to : Freedom Mortgage, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX. 

Since the receipt of the welcome letter I have received only XXXX statement from Freedom Mortgage. I am enrolled to receive paper statements. 

On XX/XX/2022 I made a payment for due date XX/XX/2022. Freedom Mortgage received this payment on XX/XX/2022. My due is now XX/XX/2022. 

When I check the account online there is a statement generated XX/XX/2022 with a due date of XX/XX/2022. However, I never received the statement. My spouse, XXXX XXXX, called Customer Service at XXXX and was told that the statement dated XX/XX/2022 would be mailed again but I never received it. She was told that I could not receive a statement with the correct due date of XX/XX/2022 until XX/XX/2022. 

Today, XX/XX/2022, XXXX XXXX called and requested to speak to a supervisor. She was told that would be the XXXX Department. Initially the XXXX Department refused to speak to her. When she requested to speak to the supervisor over that department, and after informing the Customer Service Representative that I intended to file a complaint with the Consumer Financial Protections Bureau, they agreed to speak to her. XXXX XXXX, XXXX ID XXXX, stated that the problem with my not receiving statements is because I am paying my mortgage too early. She stated that if I wanted to receive a statement with the correct due date I would have to pay my mortgage after the XXXX of XXXX for the XXXX due date in order to receive a statement and for the statement to reflect the correct due date. She said she will re-issue the last statement showing a due date of XX/XX/2022 and I should receive it by XX/XX/2022. 

I feel that this is unacceptable. I have had mortgages with several financial institutions and never experienced a problem like this. With previous mortgages companies I have dealt with, if I made a payment, a statement was generated with a correct due date and I received it within a couple of weeks. 

I feel that is unfair that I can not pay my mortgage more than XXXX weeks ahead of the due date if I want to have a statement mailed. I also think it is unfair that I can not get a statement with the correct due date mailed to me. 

My address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My phone number is XXXX. You have my permission to speak to my spouse, XXXX XXXX regarding this issue. There is also a document on file with Freedom Mortgage authorizing her to speak to Freedom Mortgage and conduct any necessary business related to the mortgage. 

I would appreciate any assistance you can provide regarding this matter.
Consumer complaint received 2017-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

On XXXX XXXX I attempted to make a monthly payment on my Citibank held Home Depot card. I discovered this card and my Citibank held Costco card were close due to Citibank attaching someone else 's bankruptcy to me in error. The person lives in XXXX and I live in XXXX. Citibank took months to correct this error and cost me much time, stress and 50 points on my credit score. When they finally corrected the error, they immediately began calling ( same day ) 2-3 times a day requesting I pay my bills and immediately put my two accounts in arrears. Again affecting my credit. Remember, I could NOT make a payment because of THEIR error. Eventually they took a little interest off my Costco card and gave me {$100.00} on my Costco cash balance. They declined to offer or do more. 

On Saturday XXXX XXXX, XXXX, while again attempting to make a monthly payment on my Citibank held Home Depot and Costco card, I was again prevented from doing so. My cards are closed and I am forwarded to a recording saying they are closed and 'this is an attempt to collect a debt '. This is EXACTLY what happened just three months earlier. 

It is unbelievable to me that Citibank could make this error a second time, but apparently they have as I got a notice per XXXX law from XXXX saying something negative has been added to my credit file. 

Please help!!!!!
Consumer complaint received 2022-08-30
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: Experian Information Solutions Inc. (DC)

I have credit monitoring with Experian set on XXXX XXXX. I have been billed twice for the same service for several months. I noticed this when I checked my account and saw one transaction processed on XX/XX/XXXX for XXXX and another transaction for the same amount processed on XX/XX/XXXX. I have had this monitoring since XXXX. They started billing me twice on fluctuating days starting in XX/XX/XXXX. My calculations is over {$450.00} in unauthorized payments. I am going to check with my bank to see if I can get a more thorough accounting. However, I have statements to back up the duplicate billing since XX/XX/XXXX.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

On XX/XX/2022, I was upgraded from a secured Discover Credit Card to an Unsecured card. I had initially put in a deposit of {$200.00} dollars was scheduled to be mailed the deposit via check within a month. It hadn't arrived the first time it was " allegedly '' sent out, or the XXXX. By that time I had asked for it to be sent electronically and Discover assured me they would in about 10 days time. A month has gone by since then I still haven't received anything.
Consumer complaint received 2015-06-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TX)

I purchased a vehicle in 2010 for {$12000.00} and financed the loan through Santander Consumer USA https : //www.santanderconsumerusa.com/ after 5 years of making payments of {$310.00} a month they tell I still owe them {$9100.00}. I want to pay off my loan but it seems never ending.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I received my full credit report as of XX/XX/XXXX, I notice inconsistent reporting regarding a late payment on all three credit reports. 

Experian : XXXX XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account being open XX/XX/XXXX XXXX : XXXX account XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with account opening XX/XX/XXXX XXXX : XXXX XXXX Reporting a missed payment as of XX/XX/XXXX with being open XX/XX/XXXX I will provide screenshots of the inconsistent reporting showing on my reports, Prior to my review of my credit report I informed the credit company that I have been injured at work which my income as been placed on hold due to not being able to work due to the injury which is reason for missed payment, I asked for options of hardship to avoid the negative reporting I was advised no process in place for this type of issue I was informed to get the payment in as soon as possible, I was advised the payments will still be reported, Reviewing my reports it shows the reporting of this late payment is inconsistent between the XXXX reports. I am aware all reporting has to correct and accurate at all times
Consumer complaint received 2022-04-14
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: CITIBANK, N.A. (CA)

Macy 's informed me that my ex and I have a joint account with their credit card services, however I never applied for this myself. My ex appears to have done so to guarantee his approval for the card, using me as a co-signee. Or perhaps he did it for his mistress, to humiliate me further and he gave her a card in my name. I never saw any Macy 's card. I live in XXXX California. I don't know the why this was done, but what I do know is that I did not authorize this, I had no knowledge of the account having my name added to it, I did not give my social, nor a photo of my driver 's license, nor signed any documents myself. So this entire account has been fraudulently added to my account and has been on there for almost 2 years without my knowing until I received a credit alert about one of my account 's having a negative status. I do not check my credit report unless I am alerted to potential issues, which I was. I tried time and time again to explain this to Macy 's who refuses to listen or acknowledge these circumstances. Whatever was done, was done without my explicit permission or involvement. My ex had access to any of the following ( and more ) : my driver 's license, my passport, my birth certificates, my social, my signatures, my personal credit cards, my bank account and routing/account numbers, etc. The list goes on. It is apparent to me what has happened. Macy 's needs to fix this egregious error.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (OR)

We applied for a Chase Marriott Rewards Visa card for my wife several months ago. The promotion was for XXXX free Marriott Rewards points after {$2000.00} in spending during the first 2 months. We spent over {$2000.00} in the first two months and paid off the balances in full each month. We did not receive the rewards. When I sent an email inquiry to Chase detailing the problem, they responded by telling me that I had 3 days left to spend a total of {$3000.00}, not {$2000.00}. I reiterated the conditions of their $ XXXX/2 months promotion and asked them to honor the agreement. I still had the original promotion printed out and in my possession. They closed the account instead. Our FICO credit scores are in the low XXXX. This is not the first time I 've experienced this type of problem with Chase Bank. It will certainly be the last time.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

Excuse me for my Grammar and I'll be using XXXX to fix the basic mistakes. I have a XXXX XXXXXXXX. 

I became a member of Experian Credit Bureau. I pay {$24.00} each month to have them protect my identity. They are telling me false information for deleting my records from potential identity theft websites. Explain website told me that my information was removed on the XXXX of XX/XX/2022. The disclaimer told me it will take between 14 to 45 days after the removal. It has been about 45 days since. My information is still on the websites. 

I feel they are charging me too much money for Protecting My Identity when it will be false information.
Consumer complaint received 2022-09-01
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. (IL)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-09-01
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. (NY)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2019-07-05
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. (MD)

My identity and information has been stolen and used someone other than me. There has been numerous inquiries and fraudulent accounts made on my name resulting in a {$25000.00} car loan debt that is unauthorized.
Consumer complaint received 2017-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I filed a dispute with Capital One for a charge on XXXX XXXX,2017. I gave XXXX XXXX my car for a 75,000 mile check-up and oil change. I authorized no further work. The attached letter will describe what happened. 
I filed a dispute and was treated very badly throughout the entire dispute process. In hindsight, I can see that they never intended to refund my money. I talked to multiple supervisors, I was constantly sending them all the documents that they required. It was very time-consuming and frustrating to deal with them. I was told exactly what a second opinion letter had to say and had the merchant write what they told me. Then I was told that the second opinion letter was not sufficient. They even told me that they would give me {$100.00} to pay someone for a second opinion letter. I got the letter without asking for the money. They would not talk to the merchants who needed to fix the car after XXXX. XXXX XXXX XXXX agreed to speak with them on the phone. They would not accept this. they said it had to be a written letter from a car merchant who did not even know anything about the case! 
.I asked that all the calls be pulled to prove that I had given them what they asked for. They told me that they would do this and call me back on a specific day. They did not call. A week later I called again. I was told again I would be called. Then I started getting calls that would ring once and they would hang up. Their policy is to call only once per day. If nobody answers they will not call until the next day. This went on for 3 days. When I finally was able to speak with a supervisor again they told me that they did pull the calls. I think they did not. If they had it would prove that I gave them what the representative said to give them. Also, I never got the call that I was promised. 
Throughout this entire long process I was made to jump through hoops and was not treated as a valued customer. This was the worst treatment I had ever received from a credit card company. I have lived a long time and owned many credit cards and have always been treated fairly. The experience with this dispute was appallingly bad and they did not refund me the money which I believe I clearly documented I should have been refunded. Several supervisors even agreed with me on telephone calls that what I was telling them made perfect sense to them and that by reading my documents it seems that XXXX Auto did cause damage to my car that I later had to pay for.
Consumer complaint received 2016-02-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (GA)

This company has called several times for a XXXX XXXX and I do not know this person and I have told them repeatedly that they have the wrong number. I have received calls from XXXX, XXXX, and XXXX XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX respectively. These are only the calls I received this week.
Consumer complaint received 2022-10-24
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)

I recently contacted Experian in regards to XXXX XXXX Account. I asked them to remove/delete from my report because they are reporting inaccurate information. The XXXX XXXX account starting with XXXX has been charged off and still being updated every month as late payments. Its also a closed account charge off with a balance still reporting. From my understanding, there shouldnt any balance once charged off! I assist that this account be removed immediately!