davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (TN)

1 year ago ( XXXX ), I Purchased furniture with the Synchrony line of credit which came with a promotional 1 year interest free. Never once was I informed of anything different. In fact the sales person told me not to rush to pay it off because it would better my credit. I have had to call them many time to rectify my bill to make sure I stayed current and never been told anything about the promotion being different terms besides interest Free for the first year. So on XXXX I received a bill that had gone up {$390.00} for a charge of interest that was for the 1st year. I dont have a problem with paying my debt or my interest that I would accumulate from the point after the promotion ends. I understand that if you offer interest free for a period of time that period should have no interest and that any new interest encounter on the balance should happen retroactive from that day forward. I dont understand how Synchrony can add the same interest that was granted free with a promotion back as if the promotion never existed. This means the interest was never free. If I knew that this was the case I would have made sure this was paid off. I have dealt with other companies like this ( progressive leasing ) and I have always made sure the I paid in full before the additional teams would be added after 90days. I also want to add that I have never used the card not even when I had available credit. I just dont see how a person who doesnt use a card go from XXXX {$790.00} balance to {$1100.00} XXXX with no usage. I have attached the XXXX prove and also my XXXX amount which still shows good standing because I pay my bills. Thank you for your time.
Consumer complaint received 2023-01-18
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. (TX)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$5400.00}.
Consumer complaint received 2022-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My wife and I obtained a loan from Capital One auto finance on the purchase of a used car. XXXX XXXX of XXXX fraudulently put lower miles for the odometer reading on the finance contract and extended service contract than the car had. When I discovered the fraud, I immediately advised Capital One Auto Finance what occurred. Capital One Auto Finance then advised to me that they had different miles on the forms submitted to them, which means that after my wife and I signed the contracts and left, XXXX XXXX of XXXX illegally altered the documents without our knowledge. Even after altering the documents, XXXX XXXX of XXXX still put incorrect miles on the newly fraudulent extended service agreement. I requested that XXXX XXXX  cancel that agreement due to the fraudulent miles listed, and to the fact that the Company to service the agreement didn't seem to exist. ( The brochure they gave us for the contract had a website that does not talk about any service contract ) XXXX XXXX XXXX XXXX claims to have cancelled and refunded our money that was additionally charged in the loan to Capital One. Capital One Auto Finance has not refunded the money, nor have they credited our account with the allegedly refunded balance, yet they still charge us for the original amount financed that included the additional XXXX for the extended service agreement. Even though they are aware the submitted contract was altered after sighning without our knowledge or approval.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MI)

I have a landline phone and a mobile phone and am not getting incoming calls as I have had in the past. When I am expecting credits to the secured bank account it takes sometimes an unbelievable amount of time for deposits. The bank has had me change debit cards for frivolous reasons and I just incurred this advice again regarding a question I had about an issue. No way do I believe this!
Consumer complaint received 2018-02-12
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. (IL)

I have disputed these accounts from XXXX/XXXX several times on my credit report, it just says : disputed by consumer. 1. I wasn't even in the US when these accounts were opened. 2. I don't know what this company is, I have never heard of it and I certainly never opened any accounts with them. This is completely ridiculous.
Consumer complaint received 2023-02-01
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. (FL)

had a car loan with XXXX XXXX XXXX XXXX. THEY JUST REPORTED MY ACCOUNT AS LATE/PAST DUE EVEN THOUGH I PAID OFF THE LOAN EARLY. 
I AM ATTACHING THE PAST THREE PAYMENTS AS WELL AS THE FINAL CHECK THAT WAS SENT TO THEM ON XX/XX/XXXX. THE COPY OF CASHED SHOWS IT WAS CASED ON XX/XX/XXXX ALMOST TWO ( 2 ) WEEKS AFTER IT WAS SENT. IT WAS LOCAL MAIL SO IT WOULD GET THERE IN A DAY OR TWO. 
XXXX had the check sitting on for almost two ( 2 ) weeks, then have the nerve to report me late.

I kept checking my account to see if it was credited, but it was not. 
I also emailed XXXX that the payment was coming and received a copy of their payoff. ( see attached )
Consumer complaint received 2020-07-11
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. (MS)

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MO)

2 years ago it appeared on my credit report, and received a letter from Chase Bank that it was opened several years ago for {$10000.00}. Payments were made for years then stopped. I've never had a credit card with them, it was disputed with XXXX and removed from my credit history within 24 hours. Now this company called XXXX has been calling, today was probably the 10th phone call, but the first time I spoke with them. They even called my mother 's home! Chase should contact them as well and pursue legal action.
Consumer complaint received 2018-02-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (LA)

I get daily phone calls from the same number ( XXXX ). This number is from Chase Mortgage. If I answer the call it will automatically hang up on me, and then calls me back later in the day. I have spoke with Chase about the calls and they claim they will not stop.
Consumer complaint received 2023-04-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (PA)

American Express debt collectors spoof numbers from my recent phone calls. I answer the call because it looked like it came from my friend that I have just spoken with. When I answer, I am directed to a phone dialing XXXX. 
I know I owe AMEX ; however, how can the debt collectors spoof the numbers of my friends to get me to answer the call? 
Is this legal?
Consumer complaint received 2018-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2018, opening my email I discovered a notice from Bank Of America confirming a XXXX dollar transfer to XXXX XXXX. This was not authorized by me.
Consumer complaint received 2021-10-26
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. (NY)

I checked my credit report and saw that XXXX reported a late payment on my report for XX/XX/2020, which was around the peak of the Covid-19 pandemic. I spoke to XXXX over the phone and they said once it is paid then the account would be updated. I contacted Experian through the online portal and also over the phone to get an update. My " late payment " should be updated to On time because it was paid. With the Covid forbearance act, this account should be updated to On time, and no late payment.
Consumer complaint received 2018-02-14
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. (FL)

The companies XXXX, Experian and XXXX   are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the XXXX, Experian and XXXX   companies, and they sell your private and personal information or spread wrong information about you!!! 
XXXX, Experian and XXXX are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
XXXX, Experian and XXXX are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
XXXX, Experian and XXXX track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about you!
Consumer complaint received 2018-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (MA)

I sold XXXX XXXX of XXXX through XXXX on XX/XX/2018. The estimated payout was XX/XX/2018. I still have not received my money. Have called numerous times sent emails nothing. All they say is they are investigating it and have put is a high priority to a specialist. They are not giving me any reason why I haven't gotten my money back. This is the first time I have sold this and worried it is a scam and not going to get my money back. As far as I'm concerned that have stolen my money.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last actives inaccurate, and date last reported is not accurate.this is ground for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Account XXXX
Consumer complaint received 2023-04-10
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

A court order for a debt to be collected was taken to my bank and the funds were taken from my account. The court order was not for me, they had the incorrect DOB, and different last names, we live in different states. Wells Fargo authorized the amount to come out of my bank account and charged a banking fee. When I contacted Wells Fargo they told me because the check had been cashed by the collection agency they couldn't do anything for me. I am in contact with the debt collection agency, now their lawyers are involved.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (IN)

The Information you provided is incorrect but Ill use the letter you sent to send to the Attorney General to go with my case that was opened. I sent letters to you by certified mail and I sent that documentation to the Attorney General so it shows on record you received the letters I sent you just failed to respond in a timely manner according to the FCRA and the FDCPA. Secondly you continue to send documents to an attorney that I never told you is representing me. They sent letters for me but to file additional charges I chose another law firm. Your letter stated that you received a payment on XXXX, XXXX 2019 which is false because that didnt come from me Ally took a rebate that shouldve been mailed to me. Everything in your letter is false and I have documentation to dispute everything you falsely stated. You continue to mark these letters as a duplicate but I will get this matter resolved legally whether you want to address it or not.
Consumer complaint received 2020-09-02
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. (TN)

On XX/XX/2020 submitted dispute to Experian indicating that a collection account with XXXX XXXX was not accurate and it is my belief that an account was opened without my knowledge. Received result stating information is correct but there is no documentation regarding this. My request is that the collection account with e removed because it is not mine and there is not information with my signatures indicating it is.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC has listed an account on my consumer credit report. I do not have a relationship or contract with LVNV Funding LLC. LVNV Funding LLC is furnishing false, misleading and deceptive information on my consumer credit report. This alleged debt is disputed and proper validation is requested.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (KY)

I decided to start a business a few months ago therefore I needed to get all my credit reports together. When i started to look into more detail, there were many errors which I was able to fix online. They even had my name spelled wrong. When i looked at the hard inquiries, I was shocked to see that there were some companies I had no idea who they were. They are 2 companies that have hard inquiries on the same day. So i tried to dispute these and I could not. I called the number that it asked you to call only to told that there is nothing they can do and that I have to call the company. which shocked me because I always thought via The Fair Credit Reporting Act ( FCRA ) requires the credit bureaus ( XXXX, XXXX  and XXXX  ) to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report. I was not informed of any of this so placed a fraud alert on all three bureaus. So i talked to XXXX  and they did remove one but refused to do the rest. I called XXXX and told them of the inquiries and they are reporting a " derogatory '' account with XXXX  and he was so rude to me. I have been banking with them for over 15 years, I have had a mortgage and personal and just opened my business bank account with XXXX and he said " it didn't matter that i had a history with chase, there is nothing he could do about it ''. I was absolutely stunned at his response after my families banking relationship i have with our local store. You can look at my record and dee that I am not a liar nor would I make this up. Now because of the reaction i got from XXXX, I will not call anyone else regarding this matter. You will clearly be able to see that there has been fraud on my report.
Consumer complaint received 2021-06-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

4. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX Account XXXX : XXXX This is not mine.
Consumer complaint received 2022-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

This is my second complaint about this matter, this information is NOT being properly investigated. 
original response from Equifax Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. 

I HAVE INCLUDED WHAT THE COMPANY SENT ME STATING THEY HAVE NOT COLLECTED ON THIS DEBT AND IS ASKING EQUIFAX TO REMOVE IT. EQUIFAX IS REFUSING TO REMOVE THIS DEBT FROM CREDIT REPORT!
Consumer complaint received 2019-11-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had become XXXX XXXX and sick with XXXX. I XXXX and couldn't tell what was real and what was fake. I soon lost my job and went homeless and lived in the street and I use all my credit cards to survive. I was homeless and crazy for 2 years until my family found me and got me help. I been on my medicine for 2 years and finally feeling like my self again.. I am attaching documents with evidence that I was sick and have XXXX along with a handwritten letter from my XXXX. I am requesting all derogatory marks from the year 2015 and up to remove off my credit report because I could not make financial decisions.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (MI)

I have applied for multiple Credit Karma offers that were " pre-approved. '' They did hard credit pulls, hurt my XXXX XXXX, made harder for me to get a card I was actually approved for. It was false advertisement to tell me I'm approved, do a hard credit check, then deny me or offer a lesser credit card offer.
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (FL)

For a week, I was misled through a scam disguised as a job interview and hiring process for XXXX. I was literally tricked into sending this company all of the money out of my account through XXXX XXXX ( {$1300.00} ). I have since then called both my bank account and reopened an account ( TD bank ) and also contacted XXXX  XXXX  to reach no resolve. I closed my account and disputed charges, but they are saying that they can not redistribute my funds because it was sent through a third party they can not redistribute my funds. XXXX XXXX has also said the same thing. This was FRAUD and I can not receive the money I was scammed into sending.