davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX, I received a letter from Synchrony Bank that they have closed my Ashley Furniture credit card. I was devastated. I called Synchrony Bank 's customer service and was told the account is closed and that I should take this up with the credit bureaus. The credit bureaus did not close out my account - Synchrony Bank did. 

A week later, I receive an email from XXXX XXXX stating that Synchrony Bank closed out my QVC credit card. Again, my credit score took a hit. I am completely appalled that this bank can do this to people. 

I have never been late on a payment, I have made large purchases on these credit cards and was diligent in paying off my balances and yet Synchrony Bank closed out Ashley Furniture and QVC and hurt my credit score tremendously and I did nothing but be a good consumer and pay my bills. 

Their letter even stating my account was closed due to " lack of real estate ''. I have had a mortgage in my name since XXXX. This bank has ruined me.
Consumer complaint received 2021-06-30
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (VA)

I had an auto lease through Chase Auto from XX/XX/XXXX through XX/XX/XXXX. Since the lease concluded, I have received countless bills and settled account statements from them, with little to no explanation for the charges. 

Most significantly, in late XXXX, after countless rounds of Chase Auto explaining the debt and sending me evidence of personal property tax payments that were the source of the remaining amount, I paid and received notice that my account was settled. Since then, Chase Auto sent me a check for several hundreds of dollars with a letter indicating that they had reviewed my account and identified an error, but with no explanation of the error or what it was. 

On XX/XX/XXXX, I received a new letter from Chase after hearing nothing for months, this time requesting payment on the lease for a balance due of {$600.00}. The letter has no explanation for the amount. When called by a Chase representative on or around the XXXX for the same request, I explained and they acknowledged that there was an error. Nevertheless, when I called Chase in response to this letter, they refuse to explain the debt, provide accounting for it, or acknowledge that the account is settled.
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NC)

I am writing today ( XX/XX/XXXX ) to bring to the attention of the CFPB aggressive practices by XXXX XXXX  XXXX. 

Freedom Mortgage is the current holder of my mortgage ( Loan Number : XXXX ) ; the company reported in XX/XX/XXXX to the credit bureaus that I did not make payments on time. The report filed with the credit bureaus claims I had a balance of $ 1,000+ outstanding and 30 days past due. I have attached statements from my bank ( XXXX XXXX XXXX ) which show my most recent 3 payments sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX indicating no payment was ever late. The payments I made were in the amount of {$960.00} ( the same amount EVERY month with Freedom Mortgage ). I recently became aware that my payment has changed to {$990.00}. However, I have been living in XXXX dealing with family matters related to the deaths of my father ( XX/XX/XXXX ) and XXXX year old brother ( XX/XX/XXXX ) over the past several months and did not receive the notice of increased payment ( death certificates to be supplied upon request ). I learned about the underpaid amount in early XXXX and called immediately to pay down the small, accrued balance of approximately {$60.00} ( confirmation number : XXXX ). There is currently no outstanding, past due balance on my account and no payment has been missed. My credit score has gone from approximately XXXX to XXXX overnight as a result of this matter. 

I spoke with Freedom Mortgage 's representative XXXX ( ID : XXXX ) on XX/XX/XXXX and she referred me to the Customer Care department. The Customer Care department supplied a letter on XX/XX/XXXX stating they will not retract the report from the credit bureaus. There was never an attempted phone call to alert me to the changed amount nor a grace period for an obvious extenuating circumstance for an otherwise timely and reliable customer. I would like this issue handled promptly and proper notifications sent to the credit bureaus outlining the situation to reverse the impact on my credit report. It is highly aggressive to treat a customer in this manner after paying payments ON TIME EVERY MONTH. The accrued balance was paid IMMEDIATELY upon discovery. There was NO telephonic communication with me during XX/XX/XXXX to inform me of the increased amount so I continued paying the historic balance. 

Please do not hesitate to contact me directly at XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Over 2 weeks ago my Venmo account was suspended with no warning or reason. 
I deleted this and made a new account. 
2 clients of mine sent me money totalling {$500.00}, and as soon as I tried to transfer this, my account was once again suspended. 
It has now been over 2 weeks and I have not been able to access my {$500.00}. 
I have reached out to Venmo via phone and email to no avail. 
I seem to be getting sent in a circle where " the next person will surely be able to help me '' if only I comply with the things they request. 
I have proven my identity, gone to my bank for a statement to prove ownership of my bank account, I have called and been denied to speak to a supervisor. 
I have sent numerous emails. 
All to no avail. 
It seems at this point they are using this account closure as means to keep my money, totalling {$500.00}. 
This money is how I pay my rent and with the 1st approaching I will surely be in quite a large financial and personal housing crisis due to this entire scam.
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (VA)

I've attempted to call " Direct express '' debit XXXX company for a week to set the pin number for a new updated card that my Social security XXXX funds are sent to and after a HOUR wait or more every time i call, ( 6 days ) nobody ever answers and their website is worthless also. Every time you sign in to their site it fails to remember your password and you have to spend hours waiting for their page to send you the reset page by email in order to begin resetting it. ( if they bother to even send it ). The site remembers your ID information but makes you TRY to reset the password every time. These people need to be investigated and someone else more responsible needs to be in charge of this system. Now i can't use my new card to access my money for groceries or pay my bills because these sorry fools have been put in charge.
Consumer complaint received 2019-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Mobile deposit into Usaa account XX/XX/XXXX with a XXXX  XXXX check of {$100.00}. Check was then cashed by someone who stole the check, on a XXXX XXXX  account XX/XX/XXXX. The funds were then taken from my Usaa account to pay the XXXX XXXX for the cash they gave to whoever cashed my check. The XXXX  XXXX account holder of the check only has the debit from XX/XX/XXXX on her account so theres nothing XXXX XXXX can do. Usaa has the account number of the XXXX account holder that the check was cashed on but can not give any information due to privacy policies. I have been back and forth with Usaa and XXXX   XXXX for over 2 weeks with no results. I just found out that XXXX XXXX is where it was cashed but I don't bank with XXXX  and never been to a XXXX XXXX for that matter.
Consumer complaint received 2022-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I've sent emails and letters to get my credit report updated corrected, no changes but : In accordance with the fair credit reporting act Capital One XXXX and XXXXXXXX XXXX XXXXXXXX XXXX, has 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 an account without my written instructions. 

15 USC 166B : 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 2020-01-26
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. (FL)

Equifax is reporting the same fraudulent account to my credit report again. 

XXXX XXXX - XXXX They removed it last year after I filed a CFPB and a police report, but here they are again for the 3rd year in a row posting this same fraudulent account!
Consumer complaint received 2018-02-12
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. (CA)

I have sent several disputes letters asking this credit bureau to provided me a copy of any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

I have only received letters stating that the account have been " Verified '' I have also asked for a description of the verification methods and the names and phone numbers of the persons who supposedly verified the account. I have never received such information.

These are the accounts that I'm disputing and for which the credit bureau have not provided a satisfactory resolution per the FCRA. 

*XXXX  XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX XXXX Acc # XXXX *XXXX XXXX XXXX , XXXX Acc # XXXX *XXXX XXXX XXXX Acc # XXXX
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-09
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-06-03
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)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-01-18
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2019-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

The judge ordered that the company provide me with information about this particular account and XXXX I never got information on this account that was in XXXX they start garnishing my my wages I asked the judge to provide information I asked the lawyers to provide information no one can provide me information about this particular account but their garnishing my rages that was in XXXX were in XXXX this company is coming after me for this same account in which they didnt provided me with documentation saying that I owe this account so they file the motion to have this brought back in front of a judge but they did not provide me with the court date they sent me documentations about time and court room but they did not put the date on there I believe this company is scamming and using deception practice to obtain money that I do not owe
Consumer complaint received 2021-06-30
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: Experian Information Solutions Inc. (SC)

I have a credit monitoring service with experian. I recently tried to dispute balances on my two credit card accounts, I have used my XXXX  credit card and have a XXXX balance but their report says XXXX balance and they lowered my credit score as a result saying that I am not using this account I also have updated or paid the balance on my XXXX XXXX credit card ( from XXXX to XXXX ) when I try to dispute this on the online dispute site it says submission failed so blocking me from submitting my disputes. When I reached out to an agent they said my only option was to cancel my credit monitoring account with experian. I also paid off my entire mortgage balance after 10 years of exceptional payment history and experian lowered my credit score! I paid off a mortgage in 10 years time, that should be considered a good thing! I also reached out to experian about unauthorized charges to a XXXX XXXX account from a company called XXXX List  that resulted in late payment reports on my credit account. After disputing this with the company they agreed to take these off as the charges were unbeknownst to me but experian still has not removed them. Experian is preventing me from submitting disputes about updating credit card balances, lowering my credit score when I pay off something huge, and not taking action on disputes about unauthorized charges. I had exceptional credit before I signed up for credit monitoring with them and now my credit is in the fair range. This is not fair to me and my payment history reflects a lot higher score than what experian is reporting. This need to be fixed as it is illegal to block consumers from disputing items on their credit report.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

credit report from XXXX, Equifax, and XXXX/FAIR all report that I have serious delinquency Too many accounts open Too many inquiries last 12 months proportion of loan balances to loan amount is too high what are the serious delinquencies? 
loan balances are too high? no loans other than my school loan and mortgage How do I close my accounts without being penalized by credit reports
Consumer complaint received 2020-06-03
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$150.00} XXXX {$110000.00} XXXX {$470.00}
Consumer complaint received 2018-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one has added numerous late payments to my account. I have called and requested to be put on a payment plan. I was advised by rep XXXX that I was then put on a plan in which they have no notation of. Poor record keeping. I also disputed the lates because my wallet was stolen in which Capital One was given the police report number. i was still never sent any new cards and late payments were are inaccurate were added to my account. I was lied to by Account Supervisor XXXX and also rep XXXX XXXX on XX/XX/XXXX at XXXX XXXX and again at XXXX XXXX. They advised that there was nothing they were able to do and they are not authorized to remove the late payments even though they acted without care. 

The late payments are as follows XX/XX/XXXX : XX/XX/XXXX & XX/XX/XXXX :  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I signed up for a feature to utilize if I become unemployed that my bill is still paid. After being out of work and on FMLA in XX/XX/XXXX and XX/XX/XXXX i received none of the features I signed up for. The representatives within Capital One are acting with negligent. I was also advised by a rep to violate my HIPPA rights and send in my FMLA doctors statement. Which I feel is a complete violation of privacy and against HIPPA laws. 

Also one of my cards has expired and I was never sent a new one for that card either.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M. G. Credit, Inc. (GA)

In XX/XX/2018 and prior I have disputed the negative account with all three collection bureaus and spoke to a representative explaining that the debt was not mine. I was able to show that I lived nowhere near the area at the time the debt was taken out. This debt is for a gym membership in XXXX, Ga.
Consumer complaint received 2021-06-30
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: EQUIFAX, INC. (PA)

Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Consumer complaint received 2021-11-11
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: Experian Information Solutions Inc. (MN)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.
Consumer complaint received 2018-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I was contacted by IQ DATA INTERNATIONAL XXXX XXXX  XXXX XXXX, WA XXXX ( XXXX ) XXXX who stated that they were the attorneys hired by SURE DEPOSIT TEXAS to collect {$270.00} on the company 's behalf. IQ DATA Threatened to contact my employer or share information it force payment and if that doesn't work they also stated that they will sue me and I will pay their legal fees if I don't pay them. The amount they want to collect is allegedly for a water bill due in XX/XX/XXXX which that I already paid to my Apartment complex which is always due and included in my rent. They have refused to contact the apartment complex to validate the information and has since then increased the balance and left messages at my job as they previously threatened to do.