davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act the following debt buyer violated my rights. 

XXXX XXXX XXXX  Amount : {$900.00} Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Amount : {$1200.00} Account Number : XXXX Date Opened : XX/XX/XXXX I am not liable for these debts. I do not have a contract with XXXX XXXX XXXX nor XXXX XXXX XXXX. They did not provide me with the original application/contract like I asked. Please remove these fraudulent accounts at once. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions A complaint has been filed with the XXXX. Case number is XXXX.
Consumer complaint received 2022-09-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

Respected Sir / Madam, I am XXXX I already file the complaint my ID is ( XXXX ) I filed the complaint on Chase Bank and after that they called me, and they said sorry and apologized. We don't need apologize from chase bank. We need our money back, please help me get back our money from chase bank.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank mis-allocated payments between promotional balances. They acknowledge it was their mistake and apologize when I contact customer support and billing, yet they still report late payments to credit agencies which damages my credit score. I make all payments in full and on time exactly to the terms of their contract, but they refuse to correct their reporting error. Synchrony Bank does not operate with integrity.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Collection Systems, Inc. (IL)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2021-10-09
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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (CT)

Don't trust TD Bank. 

I will keep this concise. 
I applied for the forbearance program at the start of the pandemic seeing as I had a new job and I didn't know how the company would handle the transition. I never used it. I kept up with all my payments. 

Sitting at 5 % I apply to another bank for a lower rate. Once they were ready they were not able to buy the mortgage because of my forbearance status. 

I call TD Bank around late XXXX/XXXX. And they remove me from the program. Reporting it will take 30 days to have it report properly on my credit. 

For 3 to 4 months the other bank was unable to buy the mortgage because TD bank did not update my reporting with the credit bearau properly. 

They even mailed me an apology letter stating that " Sorry we messed up on your credit ''. 

This cost me a XXXX dollar appraisal fee because it only lasts 3 months and now I need to pay for another and there is the difference of XXXX dollar monthly payments so I am out XXXX  of dollars. 
During this time something happened where my dad was forced to retire and we needed to wait months for a new mortgage with his retirement funds. 

So I am sitting here paying thousands in Interest on a mortgage I was unable to have at another institution because TD miss reported my credit. I've been trying to solve this for a year and no one calls me back despite them ADMITTING they messed up and they will resend the policy letter. 

They entrapped me to a mortgage and made me unable to transition to another bank locking me in higher payments.
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for Capital One Venture Rewards card. My Credit score is excellent in the range of XXXX but still I am being denied this credit card. I do n't know why? Applying for a credit card impacts the credit score and I have no idea why this credit card pops up in XXXX XXXX or other places stating that I have Very good odds to be approved.
Consumer complaint received 2017-10-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (MD)

I was shocked when I reviewed my credit report and found a late payments on the following dates : XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statements did not get to me.
Consumer complaint received 2022-03-10
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: EQUIFAX, INC. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-11
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. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT 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- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There are also some unknown inquiries that I'd like to have removed as well : XXXX XXXX, XXXX   XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In need of some help! I believe I have a freeze on my account. I'm not sure as to what is going on. As of right now I am un able to obtain a saving or checking account. I cant get financing for a vehicle or can't apply for a credit card. It is very imperative that I open an checking or saving for Social Security payments. Please Help Me Fix This ASAP! 

Also, If it is not a freeze please point me in the right direction on how to fix the problem. 

My name is XXXX XXXX XXXX. 

Thank you in advance!
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MA)

Received an email from Synchrony Bank requesting information on a closed account. I contacted the telephone number provided and no one was able to advise as to why this email was sent on a closed account. This could be potential fraud and no one at synchrony bank can explain where the email was originated from.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CT)

I filed a dispute for a transaction in the amount of {$800.00}, a debit card purchase made several months ago, a foreign merchant by the name of XXXX XXXX XXXX. This merchant is located in XXXX, a XXXX XXXX XXXX was purchased which was not received and reported lost/stolen to the carrier, XXXX. An investigation was done by XXXX, driver lost package and a claim was supposed to be filed by the merchant to recover loss, I communicated this to merchant via email to their rep, XXXX. Since the merchant is located in XXXX and no number is listed, I am unable to reach them by phone and email is the only way to contact. I emailed XXXX numerous times asking if a claim was filed with XXXX so they can refund me for lost package, she insisted XXXX is still investigating despite XXXX reps claiming investigation is complete and merchant needs to file claim. Unable to reach resolution with merchant, I filed a dispute with Citibank and they were provided information via fax, email, as well as postal mail pertaining to claim and loss of item. As with most disputes, Citibank claimed no information received despite sent three different ways. It appears they were able to locate one of my letters as they later issued a credit to account. However, as of today, XXXX, credit was reversed with no explanation. I called dispute dept again, reps requested I send in another letter despite all information above provided already which they received.. This merchant appears to be a scammer, they may have filed a XXXX claim, got reimbursed for loss without refunding me.. I request Citibank credit back this amount, {$800.00}, ASAP and reopen investigation
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

I applied for credit so that I may have funds as I am going thru XXXX. My credit report from equifax and XXXX were embarassing and incorrect. XXXX was accurate and contained information the was true and correct. I contacted equifax and XXXX and asked why my credit report did not reflect 14 past loans and 4 current loans with 2 current revolving credit cards, I have banked with XXXX XXXX XXXX  XXXX XXXX for over a decade and have never been late nor missed a payment. I was told that my information was on their system but nobody could see it because the bank refused to pay their fees. But at the same time if something negative appears they have no trouble reporting that. there is a XXXX point difference between my XXXX report and my XXXX and equifax report. when I tried to resolve this problem with equifax and XXXX they would not discuss this with me. This started in XXXX of XXXX with no explanation of why my credit score dropped XXXX points in 1 day.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

In XXXX I leased a brand new XXXX XXXX. The contract stated that the lease was for XXXX years and I was not to go over XXXX mileage. 

In XXXX of XXXX, when my lease was up I returned the XXXX XXXX in good standing and in good condition. 

The mileage was just over XXXX ; well below the alloted mileage. 

XXXX has the status as the account is still open, when the account should be closed ; it also shows that the payments are current as well as on time, however, I returned the XXXX XXXX back in XXXX of XXXX. 

I called XXXX 's financial department and the person I spoke with stated that she could not find any information on my account. I asked her how can this be since on my credit report shows that it is still open and current with the payments. 

The person could not answer my question, however she gave me an address for me and told me that the only way to resolve this matter was to send a letter to the address below. 

account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The person stated that I have to write them because they will no accept a phone call. 

I have written XXXX twice asking them to either remove this account or to change the status from open to close. 

I have not received a response, nor has anything been changed on the account. It does show a last payment of {$290.00} was received in XXXX of XXXX. How can the payments be current when I returned the leased XXXX XXXX back in XXXX of XXXX? Especially when the lease was for XXXX years, and not XXXX years? 

If they do not have any record of my account, then I feel the account should be either removed or status changed to close. 

I do not possess the XXXX XXXX, I possess a XXXX XXXX now. 

I have been trying to buy a house, and I am unable to get an approval letter because of XXXX. The USDA XXXX XXXX XXXX program, says the debt to income ratio shows that my debt is over extended because of XXXX.
Consumer complaint received 2017-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (KY)

Wire transfer for {$310.00} XXXX has not arrived in my Coinbase account. 

I have an account with Coinbase and have verified my bank account through their process. On XXXX XXXX, 2017 I sent a wire transfer from my bank for {$310.00} to Coinbase with their reference number XXXX which should have taken only a few days to complete. This transfer has not made it to my XXXX wallet on Coinbase. I have contacted Coinbase using their support website and opened support ticket number XXXX. On XXXX XXXX, 2017, I called Coinbase customer support and talked to " XXXX '' who informed me he would escalate my issue. XXXX also told me since the wire transfer was old, my funds would probably be sent back to my bank account. This has not happened nor has the money appeared in my Coinbase wallet. I have continually reopened the same support ticket to request a resolution but still no resolution as of today, XXXX XXXX, 2017. I have attached a copy of the wire transfer from my bank to this complaint.
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (HI)

I had a rental property in XXXX, Georgia from XXXX to XXXX till XX/XX/XXXX. The utilities company was XXXX  XXXX XXXX. I started received collection notices from Convergent Outsourcing Inc in XXXX from bills from XXXX XXXX XXXX that they said I owe. They reported the unpaid debts to reporting agencies few times. I wrote few letters to them about the bills & asked for the authentication of the debts and finally after providing all the documents requested by XXXX XXXX XXXX ( Police report from my home residence, sale documents of the property in XXXX ) they sent me a letter in XX/XX/XXXX that the account is not mine. But Convergent Outsourcing Inc. are still trying to mess up with my credit reports. Once a while they re-aged the debts and reported to reporting agencies then took it out after I dispute it. It's happened a couple times & they still tried to call me as recently as last year. Yesterday I received another collection bill from Convergent dated XX/XX/XXXX. I am really sick & tired with these harassments. Please help me to put an end to it & this Company is need to be warned & penalize for abusing my right.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

My compaint is against Equifax, XXXX, and XXXX. They are all still reporting a derogatory tradeline under my consumer reports after the creditor agreed to delete the tradeline from my social security number. 

In addition to this, Equifax, XXXX, and XXXX are reporting conflicting info on the alleged loan balance. 

Equifax and XXXX are reporting an open negative tradeline from XXXX XXXX XXXX with a {$18000.00} balance. XXXX is reporting an open negative tradeline from XXXX with a balance of {$19000.00}. 

The payment status is also inconsistent between these three credit bureaus. What is going on here???? I am again asking them to delete the tradeline they are reporting for this company. They should no longer be reporting something that even the creditor has requested them to delete. 

If Equifax, XXXX, and XXXX fails to delete the tradeline, I will be seeking {$1000.00} per violation and they will have to show up to a venue local to me to defend themselves for violating the FCRA.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gurstel Law Firm, P.C. (AZ)

My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against Gurstel Law Firm PC for committing Identity Theft. I have never given Gurstel Law Firm PC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with XXXX Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are liable for violations under 15 U.S. Code 1692e ( 12 ). 

I am legally refusing to pay this debt pursuant to 15 U. S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Gurstel Law Firm PC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Gurstel Law Firm PC continues its collection efforts, I will file for litigation for actual damages caused, and Gurstel Law Firm PC will be held criminally liable for Aggravated Identity Theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud. 
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX 1-202f. 

Your prompt attention and response are both, requested and required. 

Account # : XXXX Reference # : XXXX
Consumer complaint received 2020-11-29
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2018-02-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

On XX/XX/XXXX, I checked my credit report and noticed a new debt added to my account for {$960.00} from Commonwealth Finance. First they never notified me of the debt of their intent to collect on the alledged debt. Secondly, Section 392.101 of the Texas Finance Code prohibits a 3rd party debt collector or credit bureau from engaging in debt collection in Texas unless the 3rd party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Their bond is expired as XX/XX/XXXX. Please delete this debt off my credit file.
Consumer complaint received 2022-09-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TX)

On XXXX, I did 3 transfers from my Navy Federal Credit Union XXXX XXXX XXXX XXXX for {$2.00}, {$3600.00} and {$5000.00} to later find out I was being scammed. I was under the impression I was getting a turn key XXXX. Once I found out that it was a scam I spoke with the bank and explained to the representative what was going on and to try an have my money returned back to me. I was told that I would need to get a lawyer because it was a civil matter. I spoke with several lawyers who reviewed the info I received from XXXX XXXX XXXX and said it was a scam better known as crowd funding and to speak back to my bank to try to get my money back. I spoke back with Navy Federal Credit Union explaining to the representative that my money was sent to a scammer business account there with them but was told its not anything that could be done because I sent the money peer to peer and once I hit submit the money was gone. I was told nothing could be done because it was just like when you send money on cash app or XXXX. I explained to rep I know something could be done because I have sent money to wrong account on XXXX XXXX and was able to dispute it to get my money back. However, my bank is helping XXXX XXXX XXXX steal money from me and numerous of other people. I just want my money back i paid to XXXX XXXX XXXX for a fake XXXX. All, I got was signed contract.
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (IL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either