davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2024, I filed a complaint regarding Synchrony Bank ( Complaint ID # XXXX XXXX ) with respect to this bank and their policy regarding e-statements. I would like this to be added to that complaint. ( I did not see a way to 'add ' to it. ) In an effort not to make this longer than it needs to be, I ask that you please refer to the complaint ID listed above for more information regarding the legalities I found re e-statements. Thank you in advance. ) I just received an email ( attached ) from Synchrony stating they have switched my paper statements to online e-statements. The email states if I want paper statements need to go online dn take action. I believe this is in violation as credit card companies can not make e-statements a default, nor cn they coerce or force a consumer to get e-statements. The manner in which a consumer get their statements is up to the consumer -- not the credit card company. 
Should you have any questions, please feel free to contact me. 
Thank you for any assistance you provide me. 
XXXX XXXX XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2021-02-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To XXXX  my credit file number is XXXX im a victim of identity theft please remove and block the fraudulent accounts from my credit report I sent proof of identity theft and police report they told me that if i send proof of the original police report stating the fraudulent accounts that they will remove and block these accounts and now that i sent proof over XXXX times they are refusing to remove and block the fraudulent accounts from my credit report by bank of America, XXXX XXXX and XXXX XXXX XXXX  these accounts are fraud why is XXXX giving me a hard time to remove these fraudulent accounts when I sent all the proof to them and they keep refusing to help me I sent them what they ask for with proof
Consumer complaint received 2021-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

I have been dealing with the defamation of my consumer credit report and the cruel abuse of my reputation. Credit Control Corporation has violated my privacy and has continuously done so sense XXXX/2018. This has taken a major effect on me and my family because I could not extend myself credit pursuant to my open ended consumer credit plan. This alleged debt is not owed by me and is in fact medical information that should be excluded from a consumer credit report 15 USC 1681a ( 3 ) ( A ). This advertisement of a sale of debt is fact coercing payment of debt 15 USC 1692d ( 4 ). Which leads into the violation of 15 USC 1692e ( 10 ) - Deceptive means to collect or attempt to collect a debt.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have incorrect and inaccurate information on my consumer report that I am requesting be removed immediately. Pursuant to 15 U.S.C 1681 I am entitled to an accurate and complete consumer report.
Consumer complaint received 2022-11-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE INQUIRES THAT I DO NOT RECOGNIZE OR DID NOT AUTHORIZE AND THE CREDITOR AND THE CREDIT BUREAUS REFUSED TO REMOVE THEM. PER 15 U.S. Code 1681b - Permissible purposes of consumer reports, AND 15 U.S.C 6802 Gramm-Leach-Bliley. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY AND I NEED TO BE COMPENSATED {$1000.00} PER INACCURATE ACCOUNT. 
XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America has a preferred rewards program that I, XXXX XXXX XXXX am enrolled in. Bank of america has violated the terms and conditions of this program by not boosting my tier credit to the next level due to my qualifying account balances. I wish this to be investigated, as stated by the preferred rewards website, accounts must have qualifying combined balance for 3 months. My account has been maintained with an average of the qualifying amount for the previous three months. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Still no upgrade in rewards. Please have this reviewed.
Consumer complaint received 2019-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (CA)

At the end of XX/XX/2019, I took out a Chase auto loan to purchase a new vehicle. On XX/XX/XXXX I made several calls in an effort to pay off the loan. I was told that I could only pay up to {$5000.00} per day by transferring funds through their website or {$9900.00} per day over the phone. I proceeded to do what was advised. Over the following week, every transaction I successfully made was reversed by the company a few days later with no explanation given. 

I ended up paying off the loan in full at a local branch on XX/XX/XXXX. Chase auto loans has charged me interest for the period of failed transactions and it has failed to provide an explanation as to why my transfers were not credited. My attempts to rectify this matter through the Chase Executive Office have also been unsuccessful. Their response has been that the routing number I provided was wrong. This is obviously incorrect, because I did transfer funds from a Chase account to a Chase account by phone. Chase had every opportunity to catch any errors and alert me. They did not. 

I have been told that Chase Auto Loans and Chase Bank are separate divisions, with systems that do not communicate with each other. This information was not given to me. The inability of Chase to process my payments has resulted in countless hours of waiting on the phone, additional interest charges, and a great deal of frustration. 

The accrued interest is not a significant amount in my case. But the practices of the company raises serious questions about what appears to be a practice of unfair interest overcharges. I request and hope that your agency will investigate the practices of Chase for the sake of customers who are in the same position as I am. I am sorry to say that Chase is no different from XXXX XXXX, and the sooner someone looks into their practices, the better.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. XXXX XXXX XXXX Date Open : XXXX XXXX, XXXX Balance : {$2800.00}, XXXX  XXXX XXXX Date Open : XX/XX/XXXX Balance : {$7200.00}, XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Balance : {$1900.00}, XXXX - XXXX XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$820.00}, XXXX, XXXX. XXXX Date Open : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX XXXX Date Open : XX/XX/XXXX Balance : {$4900.00}, and XXXX  XXXX XXXX Date Open : XX/XX/XXXX Balance : {$4800.00}. Please update.
Consumer complaint received 2020-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prosper Marketplace, Inc. (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-06-04
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: EQUIFAX, INC. (TX)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately..XXXX {$3100.00} XXXX {$11000.00}
Consumer complaint received 2021-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (WI)

XXXX is charging me for a service we only had for no more than two weeks, that wasn't completely installed, and could not get to work, which is why the service was promptly cancelled after the sixth technician tried to come out. And equipment that was sent back. Now I have a random collection on my report.
Consumer complaint received 2018-07-26
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. (IL)

The complaint is against Experian Credit Bureau. They are currently reporting a dismissed chapter XXXX on my credit file, and this should not be there. I have wrote them several times regarding this matter, and they state that the information is accurate, and by law, I can only dispute the same item twice. I contacted the United States Bankruptcy court, in the division of XXXX county, in illinois where the information is from. I wrote them a letter asking them, are they the ones reporting this information to my credit file, and they stated that THEY DO-NOT FURNISH OR REPORT ANY INFORMATION TO ANY OF THE CREDIT BUREAUS. They also sent me a letter stating this as my proof, which I will include with this complaint. So, I sent this letter from the bankruptcy court to Experian, and they still refuse to delete it. when I wrote Experian, and asked them to delete this information from my credit file, they said it was accurate, and that the bankruptcy court did report this information. They are simply IGNORING THE PROOF THAT I HAVE PROVIDED TO THEM. I know that information individuals information is sold to third parties, whom in turn, takes this information and report it to your credit file.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

I am closing for my new house purchase on XX/XX/XXXX and I had initiated funds transfer from my Marcus savings account to my personal savings account on XX/XX/XXXX. The funds transfer has failed or reversed for 4 times between XX/XX/XXXX to XX/XX/XXXX. I called Marcus customer service to initiate the transfer and every time supervisor ensured that the hold on the account has been lifted and transfer should be successful. All 4 times the transfer gets canceled the same night around XXXXXXXX XXXX  by the Marcus fraud team and account is put on hold. This has been my WORST banking experience with any US bank. I urge Marcus customer service supervisor team leaders to look into this matter ASAP as I am closing for my first home purchase in less than a week and will fail to put the approved down payment for the mortgage.
Consumer complaint received 2020-11-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (FL)

XXXX XXXX XXXX Act. # XXXX {$6700.00} There is also a collection agency by the name of " XXXX XXXX XXXX '' that is also trying to collect a debit at different amount. There are big discrepancies There is a soft pull on my credit file please delete this account from credit report.
Consumer complaint received 2021-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WI)

Hello, I contacted fedloan servicing about reconsolidating my student loans to include newly acquired student loan debt in 2019. At that time, I was told that the number of payments that I had already contributed towards my public service student loan forgiveness program would continue to count towards the XXXX necessary payments in order to qualify for forgiveness, even if I reconsolidated and added more loans. However, I was told about two weeks ago that because I reconsolidated, the loan payments I made prior to 2019 would not longer count because of the reconsolidation. The only reason why I reconsolidated was because of that erroneous information. Now, they are telling me I'm back at square XXXX with my payments towards the Public Service Student Loan forgiveness because of that misinformation. Can anything be done so that I can have the payments I have already made and recertified count towards my XXXX payments at this point, considering that I was given wrong information. I am prepared to pursue legal action, however, my lawyer says that your organization is my first step.
Consumer complaint received 2018-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Someone tried multiple times to apply for a capital one credit card and it came to my email. So when I check my XXXX account my credit score ( XXXX ) disappeared. I called XXXX, they couldn't do a dispute because of no score was attached, they said I didn't have any history or anything. So I called capital one they send out an email confirming that I didn't apply for anything with them, they're nothing in my name in capital one. and also that is was a fraud alert. I just recieved my first credit card ( XXXX XXXX ) I knew of not to apply for another credit card because I knew that was going to drop my score but someone keep applying on my name. Messing with my credit and now I have nothing. Please help me get score XXXX back pleaseee..
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (MD)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for consumer reporting agencies have assumed the vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I have never been laid on payments for the account. Account Name : Kickoff Account Number Token ( XXXX ) Please investigate, and provide proof with statements, showing that these payments were late if proof cant be provided, I demand these payments be updated on time as they should be as I was never late. Thanks.
Consumer complaint received 2021-05-05
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: BTH Management (TX)

On today XX/XX/XXXX a derogatory collection account from Plaza Services in the amount of {$400.00} was placed on my credit report with the original creditor listed as XXXX XXXX. Plaza Services reported that this account was opened in XX/XX/XXXX. I tried contacting them as I have no knowledge of this account and have no signed documents or contract between Plaza Services and myself. This listed account is negatively reporting on my credit report without my consent which according to the laws set forth by the FCRA is against the law. I would like any and all documentation provided to me from the agency Plaza Services that they feel gives them the right to report this information to all three credit bureaus. Unless these documents can be provided this account needs to be removed from my credit report immediately and not allowed to be reinserted at a later date.
Consumer complaint received 2018-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX   XXXX XXXX XXXX  of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. 

Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX Capital One XXXX XXXX Coaf ( Capital One Auto Finance ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (TX)

I already reached out to the credit bureaus and to XXXX XXXX XXXX and notify them of their error posting of information on my report. I never missed any payment on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2017-12-21
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: EOS Holdings, Inc. (CA)

On XXXX XXXX, XXXX I wrote to the company informing them that they have listed a collection on my account that is not mine. I asked the company to remove the information on my credit reports and I have not received a response from them. This item on my credit reports is inaccurate and damaging my credit. I understand that when you dispute an item on your credit reports the company needs to comply within 30 days. This company has not complied to my request.
Consumer complaint received 2017-12-19
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. (CA)

On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One is reporting lates on my credit file. These lates are for the months of XX/XX/20, XX/XX/20, and XX/XX/20. During this time the pandemic hit and i was financially impacted. On top of this my family was diagnosed with XXXX, making it even harder to make these payments. Me and my wife were out of work for a few months. Making my payments was completely out of my hands as i could not work. I have had accounts opened with you for a long time and have done a good job at keeping them in good standings so i am asking that you please remove these lates from my credit file not only because i am a good customer but because this situation was completely out of my hands. I was late due to COVID