davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MI)

The information submitted by XXXX XXXX and XXXX Bank as shown from captures of my credit report are incorrect. They incorrectly reported a delinquencies on my XXXX credit bureau reports. I have submitted my dispute with Experian, Equifax and XXXX and am looking for an urgent timely response. The payment for the credit card was made on time, any delay and lack of accurate report is caused by XXXX XXXX. They asked that I get this resolved by contacting the credit reporting bureaus directly. XXXX Bank is unable to verify the delinquency. 

Please refer to the captures uploaded as images for information.
Consumer complaint received 2022-08-09
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MN)

ditech Mortgage- they changed my payment amount and the payment I did make was short about {$35.00} due to a change in escrow. They have not applied the amount that I paid to the account. I over pay every month and there was {$66.00} in unapplied fund that have just disappeared. I really do not know why they are not posting payments when they receive them and if they are hold funds that should be applied to the loan should we expect that they are paying us interest on that money? ditech has been the worst Mortgage company I have ever dealt with. XXXX consumers are complaining about the same information. Please look into this company so that they are treating consumers fairly.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bepensa Capital, Inc. (MD)

I have sent a letter to them regarding the matter. However, no one sent a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " AFS Acceptance, LLC. '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2022-09-06
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. (CA)

XXXX XXXX XXXX # XXXX credit reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted.

This agency is in violation of 15 USC 1692g. This is an official dispute of this account. 
I demand the above account deleted from my consumer report. 


IVE ENCLOSED DOCUMENTS FROM THE XXXX WEBSITE This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 
I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (CA)

I had a Walmart credit card I would use it and pay it off to help my credit score then I stopped using it for one month after I paid it off and when I tried using it they said the card was no longer active. When I called they said I had n't used it for a while so they closed my account and if I wanted I could re-apply but when I asked if I re-apply does that mean it checks my credit again she said yes so to avoid another inquiry I did n't. But I do n't like how they closed my account without even telling me just because I had paid it off and not used it.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for purpose.
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (SC)

I was contacted by by phone by someone at Synchrony Bank regarding my XXXX store card. I did not note the name. After being told about the issue, I asked to be transferred to a supervisor. After holding for quite a while I spoke with XXXX. My payment was due on XXXX. I made a payment for more than the amount due on XXXX. However, that payment was applied to XXXX ( which I had already paid in XXXX prior to the due date ). XXXX indicated the problem would be resolved by speaking with Customer Service. I held again, was transferred, spoke briefly to someone whose name I did not note, and then was disconnected. I then chose the " live chat '' option online, and was told by the representative that they would not be able to adjust my account to indicate that it was paid on time, that it would still show late for XXXX. I find it extremely unreasonable that a payment made prior to the due date can be considered late, and can be reported to the credit bureaus as such.
Consumer complaint received 2015-06-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NY)

XXXX -- -- Caller ID noted this companies number at no time have there been any messages left. The caller ID noted " Synchrony ''. We work so we never knew who the company was as we were not home for the call. Saturday XXXX I had been woken up by a call from this company they were recording as I could hear beeps intermittently yet I was not told that this was occurring. The call was not for me but for my daughter who has not lived at this address in over 2 years. I related that information, they then began to ask for her contact information. I stated that I would not disclose any information until I knew who was calling and why. The person tone became angry and stated it was a personal matter and would not disclose the type of company or why they were. After the call I contacted my daughter, she said she has been in contact with them and that she had made a payment but could not pay the full amount so she was late. My daughter seemed distressed and stated that they have her number and they have been harassing her, even after she had been in contact. I do not approve of people phoning my home over and over leaving no messages and becoming belligerent when there is nothing I can do, as this matter does not pertain to me or anyone living in my household. These people need to be regulated.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX # XXXX credit reports for collection of delinquent child support, judgements, fines and liens may no longer be permitted. 


This agency is in violation of 15 USC 1692g. This is an official dispute of this account. 
I demand the above account deleted from my consumer report. 


IVE ENCLOSED DOCUMENTS FROM THE XXXX WEBSITE This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. 
I have not given you written permission to put anything on my credit profile. 

15 USC 1681b Permissible purpose of consumer reports a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: JPMORGAN CHASE & CO. (GA)

CHASE BANK USA, N. A XXXX, 2017 XXXX 

I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance
Consumer complaint received 2015-04-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (FL)

I received a letter from Synchrony Bank regarding my XXXX XXXX credit card account, stating that after reviewing my activity my charge privileges have been withdrawn and credit line has been closed. The reason stated was that due to recent activity, plus having XXXX or more dishonored check payments on my account caused the account closure. 
On XXXX XXXX, 2015, I spoke with XXXX with XXXX customer service ( Synchrony Bank ) and told them that I had received a letter from stating that I had returned checks, and as a result I wanted for them to provide me with copies of the returned checks. I was put on hold and she informed me that she could not find any returned payments for my account. She put on hold in order to further investigate with the accounting Department. After some time the agent said that after checking with their Accounting Department, she informed me that there were not any returned checks but due to them having reviewed a recent credit report they decided to close out my account and that I should take it up with my credit bureau since they are the ones that are responsible for the report. I responded by telling the agent that the letter that was sent out did not mention this as a reason or anything with regards to a credit report. I asked the agent to provide me with the name of the person she spoke to in the accounting department but she told me that she could n't provide me with because it was against company policy. I have always paid on time, and have no returned checks that I have issued and have been returned. XXXX customer service department does not have any answers or explanations and keeps directing me to direct my questions to the credit bureaus which does n't to my knowledge include this on my report. At this time, I do n't know what to do, I feel that Synchrony Bank is showing unfair business practices. I have never been late, or returned checks. It has also taken my XXXX XXXX credit card and has closed that account because they are the creditors and because of XXXX activity they sent out a letter stating that due to returned checks on my other account handled by Synchrony Bank they have terminated my XXXX store card, for which I have also always paid. Now, I have XXXX store cards that Synchrony Bank has closed out unfairly.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as OPEN, but also as having a past due balance of {$220.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to The Fair Credit Reporting Act I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.
Consumer complaint received 2019-02-27
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: Experian Information Solutions Inc. (FL)

XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (IN)

I have been locked out of my account with XXXX XXXX ever since XXXX XXXX XXXX switched over from XXXX XXXX. XXXX manages the repayment for my XXXX XXXX XXXX from my XXXX studies at the University XXXX XXXX XXXX. 

Over the summer, XXXX transitioned to a new website and asked users to transfer over their accounts. I followed each step and registered for a new account with XXXX XXXX. I received confirmation that my account was successfully activated on XX/XX/XXXX. However, since then, I have not been able to regain access to my account. I have tried logging in with my new credentials, requesting a password reset link, and registering for a new account entirely ( as customer representatives suggested ). None of it has worked. Customer representatives have insisted that my account is inactive and that it is my responsibility to reactivate it. However, that has simply not been possible and their instructions fly in the face of the email confirming my account activation. I have been locked out for months now and unable to make my loan payments because of this faulty system. If my loans are considered delinquent or my credit has been affected, I must appeal both on the grounds that XXXX XXXX has failed to provide me access to my account despite my repeated attempts to regain access. I would like nothing more than to have access to my account and to repay my balance right away.
Consumer complaint received 2019-02-27
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. (FL)

Experian has inquires that I did NOT authorize and I did NOT give anyone authorization. These are fraudulent inquiries. The following inquiries need to be deleted : XXXX. XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, These inquires NEED to be deleted, I didn't sign ANY APPLICATIONS!
Consumer complaint received 2022-09-06
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. (OH)

There are late payments showing on my credit report for Student Loans dating back to 2014. This is inaccurate information and I have tried to disputing this with the Credit Reporting Agencies to no avail. 

This debt has been sold to another 3rd party company. 

These late payment reports have caused me to lose out on housing, credit and transportation. 

The late payments are inaccurate. They have been deferred multiple times and I have not received any documentary evidence, audit trail or the like showing that these payments are indeed late.
Consumer complaint received 2022-02-15
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. (WI)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2019-02-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

why was I not notified about this company and the compensation for failing protection against foreclosure. 
Consumer Financial Protection Bureau Takes Action Against XXXX XXXX for Failing to Provide Mortgage Borrowers with Protections  Against Foreclosure XXXX XXXX to Pay up to {$1.00} XXXX to Borrowers Harmed by Illegal Servicing Practices XX/XX/2017 as you can see from documents and XXXX trying to get loan mod for me and them at XXXX XXXX outside auctioning my home to XXXX XXXX  ( same day ) asking for more documents. and HAMP guidelines state ... the lender must give so many days between asking and getting documents and foreclosure on the borrower. I was never denied and the proof is in the XXXX document
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There are late payments showing on my credit report for Student Loans dating back to 2014. This is inaccurate information and I have tried to disputing this with the Credit Reporting Agencies to no avail. 

This debt has been sold to another 3rd party company. 

These late payment reports have caused me to lose out on housing, credit and transportation. 

The late payments are inaccurate. They have been deferred multiple times and I have not received any documentary evidence, audit trail or the like showing that these payments are indeed late.