davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

This account was closed by mistake. I had intended to pay it to a {$0.00} balance with a debt consolidation loan, but the lender sent a letter to some of my creditors asking they they close the account without my knowledge or consent. I have tried repeatedly to correct this and am going through this issue with several creditors and have had no issue with most of them but I am being repeatedly told that Synchrony will not reopen the account for any reason even if the request was in error or unauthorized.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (IA)

I received the attached notice in the mail. It is directed to : [ My name ] XXXX XXXX XXXX XXXX Ohio [ My address ] My personal name and  address are correct on the included document, but I don't know who " XXXX  XXXX  XXXX Ohio '' is, and I also don't have an account with Truist. 
I called Truist and was forwarded to the answering machine in their fraud department. I was supposed to receive a call back within 48 hours but didn't.

I am now abroad and saw on their web site that for fraud cases, the procedure is to report the fraud to the FTC. 
That is why I am submitting this report.
Consumer complaint received 2018-02-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Great Lakes Capital Management, LLC (AZ)

I was contacted yesterday, XX/XX/XXXX, by a company named XXXX XXXX XXXX XXXX claiming i was going to be served papers today,XX/XX/XXXX, on an account that went delinquent in XX/XX/XXXX if I did not agree to take action immediately. Since XX/XX/XXXX, I enlisted in the XXXX XXXX in XX/XX/XXXX. During my service, I underwent an investigation to obtain a security clearance and was forced to take care of all debt on my credit report. To the best of my knowledge, I had 3 accounts that I called and settled. None of those accounts were this account that I'm being sued for. I was able to obtain my clearance meaning my report was cleaned up and I was out of delinquency in all accounts. I got out of the XXXX in XX/XX/XXXX and have since then purchased two vehicles and a house. None of these transactions reflected a delinquent account with XXXX XXXX. I was unaware of this 'delinquent ' account until yesterday and feared being sued in court. I agreed to set up a payment plan with the first payment being withdrawn from my account in 2 weeks, XX/XX/XXXX. I do not know what to do at this point. I feel as though this is a scam to collect an expired or time-barred debt. 

Original account number : XXXX Original Creditor : XXXX XXXX Total Balance : {$1200.00}
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Freedom Mortgage Company (TX)

To Whom It May Concern, I was placed on forbearance from XXXX 2019-XXXX  of 2019. This forbearance was given to me due to XXXX which was a tropical storm. I had a conventional loan which states the forbearance can assist me for up to 6 months consecutively. 

Freedom Mortgage reported to the credit bureau that I have late payments that were over 90 days. These readings are imperatively degrading my credit report. 

Also, immediately following this 1st forbearance I was placed on the Covid-19 forbearance in XXXX. I had no gaps between the disaster forbearance and the Covid-19 forbearance. It is my understanding that during the 1st forbearance I would be covered for 6 months since I have a conventional loan. 

I have since paid off my loan in full but now my credit report is reading that for the months of XXXX and XXXX I was over 90 days in late payments. This is impacting my score immensely and it is making it impossible to proceed with a new loan for a new home. I would appreciate your help with this very important matter. 

Best Regards
Consumer complaint received 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

so I have been Wells Fargo for the last couple of weeks to show my loan paid in full it was paid off 3 weeks ago and they refuse to mark it paid in full on the credit bureau I have dealt with a couple of managers and this XXXX XXXX thinks she is god and will not report it until next month I am trying to buy a house and need this balance gone from my credit report. I am upset they will not report this correctly with the credit bureaus and I want this done ASAP this XXXX XXXX is very rude and won't lift a finger to help the credit still shows open and I owe XXXX it should be XXXX i even proof and they sitll won't do it
Consumer complaint received 2020-11-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/20 : Responded to an email solicitation to open a Chase Private Client banking account to receive {$2000.00} bonus after transferring more than {$250000.00} money or securities to Chase from a different banking institution. Offer link ) https : //account.chase.com/consumer/banking/XXXX ). Walked into the Chase Branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to talk to a Chase Private Banker to open checking account and a Full Service Brokerage account to transfer securities to Chase. After talking to the banker and informing them of my intentions to open the checking account and brokerage account to satisfy the opening bonus, Banker XXXX XXXX XXXX phone XXXX ) helped me open my checking account. She then passed me account over to XXXX XXXX XXXX phone XXXX ), a Chase Private Client Advisor, so he can help me open the brokerage account. At that moment, I again explained to XXXX XXXX my intentions to open a full service brokerage account so I can transfer my securities from a different banking 's institution to fulfill the requirement to obtain the bonus. He refused. He insisted to offer me a different investment product that does not qualify for the sign up bonus I came for. After going about 5-10 minutes, he straight out said that he will not help me open a brokerage account that will allow me to get the sign up bonus with a condescending tone. These two bankers basically tricked me to open a checking account and moments later told me that I can not get the bonus because they refuse to help me open a brokerage account so I can transfer my securities to Chase. This feels like a scam where they try to get people to open checking accounts to fulfill their quota and immediately refuse to help customers open a brokerage account so they can complete the requirements of the signup bonus.
Consumer complaint received 2021-12-08
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: EQUIFAX, INC. (NY)

I have tried to fix this problem with all companies including XXXX major reporting Bureaus Equifax, XXXX, and XXXX with no hep or response from any. I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. Ive tried disputing not only the validity of the accounts but the compliance of specific items on my credit report. The following accounts are the ones I am trying to dispute, XXXX XXXX XXXX XXXX XXXX XXXX XXXX LL XXXX I am demanding these accounts be deleted from my report.
Consumer complaint received 2018-03-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (CA)

I received several phone calls from this number Including my family members are receiving phone calls from this number XXXX. I called them back to find out what company its, The Company calling me and my family members is ICS. 
I don't know what are the phone calls about I haven't receive none information in written just phone calls asking me for my Address, they want to know my address. I denied it to give such information.So At this time I would like to ask the CFPB to contact them to cease and Stop this phone calls because I believe this debt collector is violating my consumer rights under the XXXX.
Consumer complaint received 2021-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-05-27
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: ENCORE CAPITAL GROUP INC. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2022-08-17
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. (MO)

I am submitting this complaint through the CFPB in response to the current evaluation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. The FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX Balance Owed : {$3300.00}
Consumer complaint received 2022-01-08
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. (TX)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL) (ND)

My credit score recently dropped XXXX points from a debt that was sent to collections, of what appears to be a fake agency. We had had two other bills in the past that we ended up just paying from not having enough knowledge of the topic. This time however it is for a debt that we did not have any records of ever having with the medical facility. They also have no bills during that whole calander year of 2020. This bills shows it originated on XX/XX/2020. We have never received information on it and havent received any response. I can not attach any documents since we have never received any
Consumer complaint received 2021-04-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (AL)

Hi. This issue started awhile back as Flagstar No longer is my loan servicer. When my realtor pulled the title on my home it shows a lien for 40k due to a partial claim second mortgage filled in my county. I was not aware of this as my loan modification I kept attempting never went through or was finalized due to mess up after mess up on flagstars end. And then my loan was transferred so a modification was never in place. Now Im stuck and can not sell my home due to this I have been calling for two months straight day in and out several times a day and basically takes to every department there. Ive literally begged and pleaded to talk to higher ups or supervisors anything that can simply see I need a lien release that this was filled in error. One 2hr call the one man did clear as day see the error as well as some others and I was assured I wouldnt have an issue that in 3-5 days I would have my release and could close on my home that I had already had to push back one time prior thanks to them! Its been a complete nightmare and I am risking being sued because Im in a contract with the buyers but cant sell without a release that I most definitely should not be going to battle to get as Flagstar Bank and their extremely non compliant ways have messed up big time on this. They put me off on the county, the new mortgage holders, HUD, FHA, and everyone else they say to call. No one has record of this except flagstar and the county flagstar sent it to to be filled. I can not take the run a round anylonger on this huge mistake they made causing me this XXXX! Please help ASAP! Im getting no where with them. I sit on hold for hours on end being transferred to 12 people in one call. Its horrible! Ive been hung up on disconnected and transferred without notice daily I dont know what to do from here my house was to be closed on several times now and Im risking being sued by the middle of this week .. this is extremely urgent please understand I dont know what else to do Ive done everything in my power and spoken to as well as emailed anyone I could. Thank you so much!!!
Consumer complaint received 2021-05-27
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: Medical Data Systems, Inc. (TX)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

HELLO, THE AUTO LOAN ACCOUNT WITH SANTANDER SHOWS IT HAS BEEN SOLD TO ANOTHER AGENCY HOWEVER SANTANDER IS IN VIOLATION OF THE FAIR DEDT CREDIT ACT BECAUSE THEY NO LONGER HAVE THE ACCOUNT AND THEY SHOULDNT BE REPORTING THIS ITEM. ATTACHED IS THE LETTER MAILED OUT.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (PA)

Purchased a computer from XXXX ( web store ) based on an advertised interest rate of 0 % if paid in full within one year. Financing by Goldman Sachs Bank, USA ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ). Purchase made on XX/XX/XXXX, in the amount of {$2500.00}. Payments totaling {$2500.00} made between XX/XX/XXXX and XX/XX/XXXX. Despite this, Goldman Sachs Bank charged interest on the account balance every month, starting in XX/XX/XXXX. To date, they have changed {$98.00}, including interest after payment in full for the purchase was completed on XX/XX/XXXX. I have called them four times, most recently on XX/XX/XXXX ( XXXX ), and written them five times. No response to my letters, except to acknowledge receipt of two of them, together with promises during each phone call that a " Supervisor '' would call within 48 hours to resolve the issue. No call ever received, nor any explanation provided. Most recently, I received a letter dated XX/XX/XXXX stating that they charge interest because I have an outstanding balance of prior interest. This is not the terms made at the time of purchase, which they have never addressed. Currently they have posted three negative reports with the credit bureaus against me.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I just notice that I have not received a response from XXXX Transunion, or XXXX for a letter I sent on XX/XX/2021. The letter was informing them of the inaccuracies on my consumer report and there are way too many. The consumer reports should be 100 % accurate and they must respond to me with a 30 day time frame and its been over 30 days.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

In XX/XX/XXXX, my wife and her 2 sisters inherited property from her parents estate after her fathers death. She sold that property, and split the proceeds with her 2 siblings. In XX/XX/XXXX, we went to refinance a home we had purchased, only to find out that the state of Alabama had assessed a lien on our credit, without even telling us. We fought the lien, and were able to get it RESCINDED, which means it was an error. We have provided a copy of the official letter from the State of Alabama Department of Revenue which states that the assessment was " RESCINDED '', as we never owed that amount, or any amount for that matter. 

Currently, on my Experian and XXXX credit reports, I am still being shown as having a Tax Lien for {$9900.00}, showing that the lien was " released ''. Released is not Rescinded. We didn't pay that amount, we weren't forgiven or released from owing that amount, we don't owe that amount, and it was rescinded. I called the county clerk myself, and verified that there is no public record showing that I ever owed the state of Alabama that amount, and there is no way that they should be able to verify it, because it's not there, it was rescinded. I have written to both companies demanding that they remove this from my credit report, and they refuse. I am now filing a complaint.
Consumer complaint received 2018-07-27
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. (IL)

XXXX XXXX XXXX Ohio Stated I opened account XX/XX/XXXX and open another account XX/XX/XXXX. There is no outstanding balance. 

This information is incorrect.