davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (FL)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Conduent Incorporated (VA)

The Virginia Commonwealth Unemployed Insurance benefits program uses the WAY2GO card service issued by XXXX XXXX  - run by XXXX XXXX. 

WAY2GO sent me an email informing me an attempted information change on my UI benefits card. The last digit of my phone number was changed by one digit ; my address was changed to XXXX XXXX XXXX XXXX, XXXX South Carolina, and my email was changed to XXXX. 

There was no way to close the account, verify my identity ( without submitting more identifying information ), or cancel the service provided by Way2go.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2020-10-12
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. (AZ)

On XX/XX/2020 I mailed in a dispute to Experian regarding a collection on my account from XXXX XXXX XXXX on XX/XX/2020 experian complete their investigation and sent a copy of my credit report stating completed investigation of FCRA dispute consumer disagrees iteam was updated. On XX/XX/2020 I mailed in a letter requesting experians method of verification wich Is my right under FCRA 611 asking for all information provided by the creditor to be forwarded to me received a post card in the mail on XX/XX/2020 I received a copy of my credit report stating this iteam was updated from the process of your dispute on XX/XX/2020 I mailed in a letter requesting method of verification one last time I asked for names, telephone number, a copy of legal documents bearing my signature showing I have a binding contract with the XXXX XXXX XXXX   agreeing to the exact amount claimed. In XX/XX/2020 I received a copy of my credit report they updated the balance from {$820.00} to {$1000.00} after the iteam has been on my credit file for over 5 years I have never received any information as requested from experian wich I have the right to under FCRA 611 experian is not doing their job and investigating my disputes properly this is not the only account that includes false information regarding experian at this point experian is making up stuff I have been personally affected by experians negligence to properly verify information on my credit file I have lost out on numerous job housing and credit opportunities experian needs to be held accountable.
Consumer complaint received 2019-05-09
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 (NC)

I applied for credit ( {$7000.00} ) and received a letter that I was rejected. I needed this for XXXX work. My XXXX nonetheless filed their claim for payment and they accepted it. 

Since I used this card, I made payments most oftentimes over the minimum amount. When they promotional period ended ( one year no interest ), I called them to get an understanding about it and was told that, " I'd be okay if I continued to make payments and would not have to pay additional interest. '' This was not the case as I was charged nearly {$2000.00} in interest charges. I'd paid it down to nearly {$4000.00} and I'm nearly back to where I started ( and should have been denied by them in the first place ).
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

My complaint is against Experian. I have disputed a foreclosure with XXXX XXXX XXXX  XXXX XXXX XXXX that was reported closed in 2004 and after 15 years remains on my report? It is my understanding the longest period is only 10 years. They just keep saying that the account will remain on my report as is?
Consumer complaint received 2019-11-02
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. (NY)

The report includes the names of three people ( myself, my brother and my father ). As a result various credit cards, car loans and other items are listed under my report. Each individual has of course a separate unique SSN making this error hard to understand.

I tried to file a complaint with Equifax directly, yet the company seems unable to resolve the issue and my account is put on hold. The obvious problem is that without access to my credit report, it is impossible to verify the items on it and file a request to correct such items. These items are equally required to verify my identity, yet are not related to myself in any way. It essentially becomes a circular reference which the company is unable to resolve.

At the core, I am only trying to finalize my name change after my recent marriage. Unfreezing and updating my credit report is required for my SSN name update. The whole situation is just incredibly stressful and entirely cause by ( likely human ) error on Equifaxs end. 

Considering the ongoing problems with Equifax and the apparent inability of the company to manage its IT infrastructure, any help from your end to resolve the issue. 

Thank you, XXXX
Consumer complaint received 2018-09-20
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. (TX)

I disputed the referenced accounts in XX/XX/XXXX. The Experian credit report attached shows results that these items ( XXXX XXXX and XXXX XXXX ) were deleted from my credit file. Now I notice these items have been reinserted on my credit report. On XX/XX/XXXX I was notified that Experian had placed XXXX XXXX and XXXX XXXX back onto my credit report. Back in XX/XX/XXXX I sent in an Identity Theft Report for which Experian did receive. Experian removed XXXX XXXX and XXXX XXXX from my Experian credit report. I have included a copy of my Experian Credit report from XX/XX/XXXX showing that both XXXX XXXX and XXXX XXXX had been deleted. I am demanding that both XXXX XXXX and XXXX  XXXX be REMOVED AND BLOCKED from my credit file. Please see attached documentation I am also requesting that XXXX XXXX XXXX be removed and blocked from my credit file as well. I expect to have an updated Experian showing the removal in 30 days per law.
Consumer complaint received 2020-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (PA)

I am writing to dispute the following information Regarding XXXX XXXX company which send me to collection for ' {$170.00} the company name is Receivables Performance Management which is showing on my credit report and I disputed with XXXX, I send documents to proof I pay My last XXXX bill. 

I never was notified by Receivables Performance Management in writing that thy are collecting on behalf of XXXX, I found out that when I run My credit report the was a collection for {$170.00}, I try to resolve this charge with XXXX prior to this, I spoke with Coustomer service Of XXXX, Many times, and Told me that my credit card company XXXX XXXX had paid the bill for {$110.00} for he last payment, since I switched Cellular Provider, I was not on a contract with XXXX XXXX I was paying month to month an I was with them For two years, I never skipped payments, I had them on Automatic withdraw out my Credit Card every Month. I was keeping tell them that they got pay by my credit card company, I told them to update the record, I send documents, such as payment supporting my position.
Consumer complaint received 2020-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (IL)

XX/XX/2020 {$1300.00} I went to receive money that my uncle XXXX XXXX sent me for my back payment on rent and the rent for the month of XXXX. I need this money today because my leasing company has been super patient and gave me a deadline to turn the money in. I need this funds to be released. I a full-time XXXX   XXXX and Im not from Texas so me getting removed from my residency and getting an eviction under my name is not a good thing.
Consumer complaint received 2018-09-20
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. (MI)

XXXX XXXX XXXX case Number XXXX, the honorable Judge XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX Plaintiff Vs : Defendants : Experian XXXX XXXX I have tirelessly tried to reason with all three credit bureaus to no avail. I must now resort to suing them. 

Please See attached for full summons and complaint as well as leading ( not exhaustive ) supporting documents and arguments.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

On or about XX/XX/XXXX, it was brought to my attention that Santander Bank was reporting me delinquent on two different occasions toward the end of XX/XX/XXXX. It was dropping my credit score by about 50 points. I was not delinquent and they acknowledged this in a letter to me dated XX/XX/XXXX. Problem solved after many hours of phone calls. 

They are now doing it again. This time I am not so forgiving. This is inexcusable. I called them and sent them an email. When I called, I was told that they made another error. I was not late. As a matter fact, I havent been late on anything in years. Again my credit score dropped 50 points. The problem is still not fixed. Had I not applied for a student loan refi, I would never have known about this problem. Again more hours on the phone. I am considering litigation at this point. I feel that they should compensate me for time lost taking care of these issues. I am a XXXX and have my own XXXX XXXX. I charge XXXX per hour and have spent at least 10 hours on this problem. I am sure that you get many of these but these large companies need to take customer service more seriously. 
Thank You for your time.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/GUITAR CENTER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-09-20
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (FL)

I have been disputing also with JPM Chase via the 3 major credit bureaus for the past few months and they have refused to provide what has been requested during this process : an original instrument of indebtedness -- bearing my actual signature -- verifying the validity of the account. They have refused to provide this original consumer contract for MONTHS and the bureaus have been complicit. ( I submitted a complaint on all three of them as well. ) Under the FCRA, a company MUST provide to the consumer what has been requested. Further, never is a company to just STATE that an account is " verified '', " accurate '', and " valid '' without actually proving these to be so. I am outraged that in 7 months, I have not received what I requested. It is extremely important to my person and identity as a consumer to make sure that what is reporting in my credit files has been TRULY, PROPERLY verified & validated. I DEMAND that JPM Chase provide an original consumer contract / original instrument of indebtedness in its original form ; if they do not, then I demand that this account be IMMEDIATELY DELETED from my credit reports. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. It is a crying shame that it takes upwards of 7 months of pleading to get what you're owed as a consumer. Companies like this hide behind the bureaus and assume that most of us will just give up on trying any further to dispute and request required info.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that MACY'S/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2018-09-20
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: BARCLAYS BANK DELAWARE (NJ)

In XXXX of 2018 I XXXX XXXX XXXX and had to cancel an XXXX. Their policy is to refund your money. XXXX never refunded my money. I called Barclay Bank and disputed the amount. After they investigated they denied my dispute. XXXX finally admitted they owed me the money and tried to credit it to the account. Barclay will not close the dispute which in turn XXXX can't credit me the money. This situation has been ongoing for 5 months. It is unreal!
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (MD)

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. 
See the documents attached.
Consumer complaint received 2020-08-14
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: Experian Information Solutions Inc. (FL)

I applied for a credit card and was denied due to fraudulent accounts reported on my credit history! I would have never been aware of this unless I applied and I am shocked to have even seen such accounts and wonder what's the real process for this to have happened without my authorization or knowledge. I would like these accounts eliminated from my credit history before I seek legal action. I have no money nor time to waste on foolishness. I am irate and in disbelief that not once was this verified before being added to my credit report. Please remove these accounts as soon as possible so that I can build my credit.
Consumer complaint received 2021-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The SBA approved my business for a loan in the amount of {$13000.00} that was disbursed on XX/XX/2020. The funds were sent to Bank of America erroneously however to date Bank of America has not returned the funds back to the SBA. I've contacted Bank of American numerous times requesting to have the funds returned to no avail. I've also contacted the SBA for help in this matter ; unfortunately the SBA was unable to contact Bank of American on my behalf. I have attached a copy of my loan agreement as well as communication that I received from the SBA legal department.

I am reaching out for help in this matter because my business is still responsible for repaying this debt that interest is accruing every month while Bank of American is holding on to the funds while my business is in desperate need of the funds. 

I thank you in advance for your help in this matter. 

Respectfully, XXXX XXXX
Consumer complaint received 2020-07-27
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (PA)

On XX/XX/XXXX the vehicle I least was involved in a total loss accident. On XX/XX/XXXX the insurance company sent XXXX to Ally Bank for a payoff. On XX/XX/XXXX Ally posted the payment. On XX/XX/XXXX I contacted Ally to pay the XXXX deductible, and was told by Ally to wait till the account was finalized because the amount may be adjusted because of the Gap insurance on the lease. On XX/XX/XXXX the account was charged off as bad debt for XXXX saying my account was delinquent for two months, it was not delinquent. My credit dropped 50 point just as I am in the middle of a refinancing on my home. When the account showed up on my credit I immediately paid the XXXX and I still have no idea why I was billed. I have asked Ally to send me a breakdown of the bill and also correct my credit report and have been told by 3 different  operators, they dont do that and all they can send me is a paid in full bill.
Consumer complaint received 2017-08-11
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Amcap Investments, LLC (MD)

On XXXX XXXX I started business with AmCap LTD out of XXXX Tenn. XXXX XXXX was my  representative. On XXXX XXXX, XXXX, after going through the loan process and being told we were good to go and jumping through every hoop they required we were told they no longer can do my loan due to the company pulling their licenses in MD, DC  and Va. Closing was supposed to be on the XXXX. I was told this after an FHA inspector, cost of {$580.00}, that AmCap contracted and I paid was sent to the house we were buying and told us everything was ok and we did a pre-occupancy agreement and had to put money down to the seller to move in before closing. Now after discovery, we found the house has mold and an oil tank in the basement and are being told to vacate after only 18 days of residing in the house and after the seller taking XXXX of my money that was supposed to be sourced as down payment. My wife is XXXX and all parties knew of this. I do n't understand how a mortgage company can get so close to closing and all of the sudden say they ca n't complete the process because of licensing.