davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (OH)

I purchased furniture making use of a twelve-month, same as cash offer via Synchrony Financial ( formerly GE Money Bank or GE Capital ). I established a monthly recurring payment with my bank, which processes a payment to Synchrony in the amount of {$150.00} on the XXXX of each month. I received a statement from Synchrony indicating that they did not receive a payment from me in XXXX or XXXX. They applied a {$25.00} late fee. After XXXX phone calls with Synchrony ( XXXX being escalated to a supervisor, XXXX ), I was told that I had to fax proof of my payments to Synchrony. I obtained proof of the payments from my bank, and fax those documents to Synchrony as well as a letter stating that I wanted them to take certain actions, which included crediting my payments as well as explaining why they were not crediting the payments that had been sent. My fear is that this will continue to happen unless they correct the issue. I want an explanation as to why there are not applying my payments. Further, I stated that I wanted something in writing stating that I did not make any late payments as I 'm concerned this will impact my excellent credit rating. I faxed all of this information to Synchrony on XXXX XXXX, at XXXX. The fax transmission confirmation document was produced at XXXX, which is evidence that they did, in fact, receive my fax. It is XXXX XXXX ( 7 days later ), and I have not receive XXXX bit of communication from Synchrony. They have not indicated that they received my documents, and certainly have not addressed the items I asked them to in my fax, namely crediting my account, providing me with assurance that they 've found and corrected the problem, or a letter stating that I have not been delinquent in my payments. I have received absolutely nothing from them. I researched this company online and was astonished by the number of complains just like mine. It appears that this is a common practice with Synchrony. In fact, " XXXX '' has XXXX reviews of Synchrony, all with the lowest possible rating and describing this same type of incident. Amazon complaints run rampant as well. This is clearly a company that makes a practice of creating reasons for charging people late fees and attaching interest to " same as cash '' accounts. I would like my issue addressed by them immediately and their practices should be investigated by federal authorities.
Consumer complaint received 2017-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MD)

XX/XX/XXXX : OnXX/XX/XXXX, I received an email from XX/XX/XXXXstating the following : " EARN 10 % CASH BACK WITH CHASE PAY AT XXXX  XX/XX/XXXX = 10 % CASH BACK Shop for millions of your favorite items using your Freedom card with Chase Pay at XXXX in the month of XX/XX/XXXXand you 'll earn a total of 10 % cash back on up to {$250.00} in purchases fromXX/XX/XXXX. '' I had enrolled in Chase Pay and made purchases ( a total of 3 items ) online at XXXX very early in the morning on XX/XX/XXXX. The total for the purchases was {$120.00}. I received emailed confirmation that I enrolled in Chase Pay. I also received emailed confirmation of my purchases at XXXX on XX/XX/XXXX There was clear indication in this emailed confirmation of my purchases that two of the three items were to arrive byXX/XX/XXXX. I noticed the following month I had n't received my 10 % cash back on my account. I called Chase onXX/XX/XXXX to report that I had n't received the 10 % cash back points. I was told I would receive a letter in the mail concerning this issue. As of today, XX/XX/XXXX I still have n't received a letter. So I called Chase today about my not getting 10 % cash back on my purchases. The person I spoke to at Chase indicated that I wo n't receive the 10 % cash back. She indicated that I did n't receive it because the transactions did n't show up on my Chase card until XX/XX/XXXXandXX/XX/XXXX. I read the promotional email from Chase and did n't see anywhere indicating the 10 % cash back was based on dates the transactions would be posted. The content of this email used the words " shop '' and " purchases ''! I made the purchases onXX/XX/XXXX! This is very wrong of Chase to send me this promotional email to make purchases in a relatively short amount of time (XX/XX/XXXX - XX/XX/XXXX ) .I had no control when the transactions would be posted. According to this promotional email from Chase, I had until XX/XX/XXXXto make the purchases at XXXX to qualify for the 10 % cash back! What if I made the purchases ON XX/XX/XXXX? It 's very unlikely that the transactions would post the same day,XX/XX/XXXX!! Are they aware of this fact? I was definitely lied to and misled by Chase and will never trust them again with any promotional offers they make.
Consumer complaint received 2017-10-08
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: PNC Bank N.A. (OH)

My identity was stolen 3 years ago. Some one opened a XXXX credit card in my name at pnc bank on XX/XX/XXXX. Money was transferred to a person by the name of XXXX XXXX XXXX from the credit card for XXXX. I called pnc bank in the beginning of XXXX ( right around the 15 ) and told them that I did not open this account. The fraud department sent me a letter on XX/XX/XXXX and had me sign it so that there could investigate this problem. On Saturday XX/XX/XXXX I received a letter from PNC Bank stating that no such inquiry was reported to the credit bureaus. I have a copy of XXXX credit alert about the inquiry. I made a police report in XXXX after I called PNC Bank about the fraud. Police report number is XXXX.From the letter I received from PNC on XX/XX/XXXX, they think I opened this account, which I did not. I am going to contact PNC again on Tuesday due to Monday being a holiday. The inquiry was from PNC Bank in XXXX Ohio on XX/XX/XXXX. I was in California at that time. I put a credit lock on my credit for all 3 bureaus on XX/XX/XXXX. I had my credit monitored by XXXX at this time.
Consumer complaint received 2024-01-17
Product: Credit reporting 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. (CT)

I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. I am seeking your assistance in investigating and removing these hard inquiries from my credit report as these are impacting my creditworthiness. 

See letters for the details.
Consumer complaint received 2022-10-02
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. (WA)

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights : XXXX. XXXX XXXX XXXX  *Account # XXXX XXXX XXXX XXXX  *Account # XXXX XXXX. XXXX XXXX *Account # XXXX XXXX XXXX XXXX XXXX *Account # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX *Account # XXXX 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
Consumer complaint received 2017-10-08
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. (CA)

It all started back in XXXX when I noticed on my XXXX credit report the the XXXX XXXX XXXX file had a statement that it had been sold to another lender and on the status their was no date when it would fall off. I complained to XXXX through their complaint portal, and that was when XXXX XXXX went in in XX/XX/XXXX and reaged my account and caused my credit score to plummet. And on the Equifax file it has no closing date, and they removed a statement that said in was. Under investigation. The only one that shows correct is XXXX with an opening date of XXXX XXXX, of XXXX and a closing date of XXXX XXXX, XXXX. I have not done anything that would give them a reason to reage this account on XXXX.
Consumer complaint received 2018-03-17
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. (NY)

Someone got hold of my information and opened up some accounts. XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX and now in Delinquent and charged off
Consumer complaint received 2016-10-06
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Critical Resolution Mediation LLC (CA)

This slimy debt collection company Critical Resolutions, uses fake names and cloned phone numbers, they already said they closed their file when I provided my bankruptcy discharge when I filed a complaint about them before, however I continue to receive harassing and threatening phone calls from them XXXX phone numbers XXXX and XXXX often the caller identifies them self as XXXX, there are numerous consumer complaints online about this sleazy company I received XXXX phone calls today, home, work and my cell!!!! what else do I need to do to get these people to stop!
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Revenue Assurance Professionals LLC (TN)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  C  onsolidated Recovery Systems    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , TN  XXXX  This company has filed multiple false reports to my credit files under different names. The do use the name above and at times they use the Name Revenue Assurance Professionals, and sometimes they use the name  Consolidated recovery Group , LLC. This company refuses to abide by th e FCRA and will not remove false information under all the names that they have submitted reports unders. Attached is a document filed in   XX/XX/XXXX     and the false information is still showing on my credit reports under the first  XXXX  names listed : Date   XX/XX/XXXX     Consolidated Recovery Systems   XXXX   XXXX    XXXX   XXXX , TN  XXXX  RE : Account Number  XXXX  Consolidated Recovery Systems is hereby notified under the provisions of public la w 95-109, Section 805-c. Th e Fair Debt Collection Practices Act, to hereby CEASE AND DESIST in any and all attempts to contact me  XXXX   XXXX  concerning the above debt.   This letter is your legal notice under the above-mentioned FEDERAL LAW that regulates the activities of collection agencies and their legal representatives. The failure to CEASE AND DESIST as directed in this letter will result in charges being filed against Consolidated Recovery Systems with both state and federal regulatory agencies empowered with enforcement of the above-mentioned federal law.     Consolidated Recovery Systems is further warned that NO DEROGATORY information is to be placed on any credit report and any information on any such report placed by Consolidated Recovery Systems is to be immediately deleted after receipt of this certified notice, or charges will be file through my attorney against Consolidated Recovery Systems.     It is my firm decision not to recognize or work with Consolidated Recovery Systems concerning this matter. I have no debt with Consolidated Recovery Systems.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Empowerment Ventures, LLC (NY)

Starting around  XXXX   XXXX , some strange charges began to pop up on my accoun t. ( I Have A  RushCar d ). B eing the product of a scam months ago i have n't felt safe enough to open up another card with another financial institution so i decided to go prepaid for a while & boy was that the worst idea ever!!     Sine  XXXX   XXXX  there have been multiple other charges on my account to other establishments and in the end i ended up losing at least {$300.00} in this process. I have repeatedly tried to contact RushCard via email & phone for 6 days now and i still have n't heard back from anyone in regards to this situation. I 've found more luck in directly calling the establishments themselves. I have bills to pay and since i cant speak to a representative i now can no longer pay my bills and that is unacceptable because I have a  XXXX   year old who  needs things!!!     it is so distasteful that rushCard has a phone number but does n't give you the option to speak to a rep & even after using their suggested ways of contacting the company you still get no one. i need this to be resolved and i will probably NEVER USE RUSHCARD AGAIN
Consumer complaint received 2016-08-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (FL)

THE DEBT THAT IS OWED IS NOT MINE. AT THE TIME OF SERVICES THEY ARE STATING I NOT ONLY HAD INSURANCE ( MEDICAID ) BUT I WAS NOT THERE I HAVE CONTACTED THE COMPANY AND THE HOSPITAL AND THEY SAID THEY WOULD LOOK INTO IT AND I ASKED FOR PROOF THAT THE SERVICES WAS MINE BY ANY PROOF A SIGNATURE OR A PHOTO ID AND THEY HAVE YET TO GIVE ME ANY PROOF
Consumer complaint received 2016-06-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Simon's Agency, Inc. (NJ)

I requested validation of the debt from Sim Agency Inc on XXXX/XXXX/2016. Collector has not responded with any information regarding validity of thisdebt. I do not believe this debit is mint. Account # XXXX & XXXX.
Consumer complaint received 2015-10-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I lost my husband XXXX/XXXX/XXXX, then XXXX XXXX I lost my job. I was making my payments to Wells Fargo then I could n't afford it. I have asked for help and even have an attorney. i was denied, fliled an appeal in XX/XX/XXXX and found out today XXXX/XXXX/XXXX the appeal was denied. 
Also, they have me at XXXX % ratio. I need my payments lowered, or forgiveness of part of my principal. I need help ... .. 
I want to keep my home, I just need help.
Consumer complaint received 2017-04-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed the public record with transunion. They have claimed it is verified by the furnisher which i s US Bankruptc y court. I have corresponded with the bankruptcy court and they have verified that they do not verify with the bureau s on 3 occasion s. I have asked the bureaus for the names and phone numbers of the person or persons from the bankruptcy courts who verified this item. They have not produced it. They have told me that it was verified by a third party which is not valid. Also i know that i have not signed any contract with any party giving any rights to report this invalid item to my credit report. I have also asked for any contract permitting this to be reported to my file maintained by transunion which is required by the FCRA they have not responded. I am asking for these items publicly so that transunion can not dispute that these items have not been requested for the third time.
Consumer complaint received 2018-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Strategic Alliances, Inc. (IL)

I RENT A CAR WITH XXXX RENT A CAR FOR XXXX WHEN I RETURN THE CAR THEY CHARGE ME FROM XXXX ACCOUNT, AND PAID ME BACK THE SECURITY DEPOSIT TO ME ON XX/XX/2017 THEY TOOK COLLECTION ACTION BEFORE I SENT THEM THE LETTER BUT AGAIN THEY DOING IT BECAUSE THE LOOK XXXX XXXX XXXX LOCAL OFFICE THE GUY WHO DEAL WITH XXXX DONT LIKE MY NAME XXXX XXXX JUST TO PUNISH ME THEY ARE DOING THIS TO PUZZEL ME PLEASE STOP THIS COLLECTION ACTION I DONT OWE THIS MONEY THANK YOU XXXX XXXX
Consumer complaint received 2016-08-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (IL)

This is an extension of the complain # XXXX. I opened a vehicle loan with Ally Financial in XXXX. All payments to the loan were made on time and setup for electronic debit and processed out my checking account via ACH. I paid off the loan in the exact same manner and called to let them know I was selling the vehicle and needed to expedite the title. I was immediately told that is not possible-they do n't make exceptions. Then I was told it would be 10 days before my title was sent. I was promised it would be mailed out on XXXX/XXXX/XXXX which was a Saturday so I questioned that being a weekend and they promised that it would be XXXX/XXXX/XXXX. I tried several more times to expedite this process as I felt 10 days was an unreasonable amount of time to hold the title. I communicated my urgency verbally over the phone, written through my online account, and written through Ally XXXX 's chat feature on their website. Still, my title was mailed out REGULAR MAIL ( which is negligent ) on XXXX/XXXX/XXXX. I was very upset with this as I had made it very clear I needed it as quickly as possible and they disregarded me completely. I have called at least 10 times asking for someone to please let me know where it is as it is now XXXX/XXXX/XXXX and I still do not have the title. Originially I was told it would take 3-5 business days to receive. Miraculously when I did n't receive it after 5 business days, their policy changed to 5-7 days! Because I filed a complaint, I was told that my file had been transferred to the EO department which I later found out stands for Executive Office and there is no way for me to contact them. I have to wait for someone to call me. I have been waiting for TWO WEEKS and no one has had the decency to call. I continue to call customer service and they just say my title was mailed out and there is nothing they can do for me. How could this possibly get any more ridiculous? The buyer for my car backed out and purchased another as I was not able to timely receive the title. Ally had declined to take responsibility in any way and refuses to pay for a duplicate title even though they are the ones who mailed it with no tracking and is likely now lost in the " regular mail '' that they trust for such important documents. I can not express my frustrations with this company enough. This has single handedly been the worst customer service I have ever heard of, let alone experienced, in my entire life. I am still waiting on my title, just like I am waiting for the callback that they " promise is of high urgency '' that has taken more than 14 days to get ... .Absolutely ridiculous! It is very clear that customers who actually pay their bills are not a priority to this company.
Consumer complaint received 2015-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have in the past dispute collection agencies derogatory remarks on my credit report. They have been removed and keep reappearing on my reports. These remarks have been removed from experian, yet after requesting them to be removed from equifax and transition they still remain. This is preventing me from obtain my mortgage loan. I think the XXXX credit bureaus should be communicating and reporting the same information. Or dissolve them to XXXX national credit bureau, as this is very time consuming to work with XXXX bureaus to clarify my credit information ... .PLEASE HELP
Consumer complaint received 2017-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (TX)

I am enrolled in a " Bi-w eekly Advantage Plan '' mor tgage payment program with  XXXX   XXXX . It is administered with  XXXX   XXXX  agency a member of  XXXX   XXXX . I had trouble with them last year because they were using the wrong account number. I managed to get that resolved after repeated phone calls and hours on the phone. They would tell me they would be contacting me but never did. I had to call repeatedly to get results.     I am having issues with them now because my mortgage company,  DItech, has not  received the  XXXX  payment in the amount of {$1300.00}. Ditech said they are going to report it to the credit bureau.  XXXX  let me know my payment was late around the middle of  XXXX . I called  XXXX  on  XXXX   XXXX  and they (  XXXX   ) to ld me they were aware that a check they sent to Ditech had not been cashed.  XXXX  gave me a  XXXX  tracking number for the check they said was delivered on  XXXX   XXXX . I called  XXXX  and they looked up the tracking number. There was no such number with  XXXX  or the US postal service.     I called  XXXX  on  XXXX   XXXX  and talked to  XXXX . He said he would escalate the problem and I would hear back in  24-48 ho urs from  XXXX  the supervisor. I never heard from  XXXX . I called  XXXX  again on  XXXX   XXXX  and talked to  XXXX . She said there is no supervisor or manager for me to talk to and that she would have someone call me back. She also said a new check would be mailed today,  XXXX   XXXX . I called Ditech to let them know. They said that they will be reporting late payment to the credit bureau. Considering  XXXX  's track record I do not expect them to get the check out as promised. I am very concerned about my credit rating.
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Commonwealth Financial Systems, Inc. (AZ)

COMMONWEALTH FINANCIAL has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe COMMONWEALTH FINANCIAL any alleged debt and would like them to provide proof of claim with authenticated verification. COMMONWEALTH FINANCIAL has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Consumer complaint received 2015-06-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I am a victim of identity theft and someone stole my personal information and opened up XXXX credit card accounts with Capital One Bank. I never applied for a credit card with Capital One Bank. The XXXX credit accounts are unauthorized, fraudulent and do not belong to me. I have sent numerous letters, police reports and copies of my Minnesota drivers license and social security card to Capital One Bank and have informed Capital One Bank about this matter numerous times. The following accounts ending in : XXXX and XXXX, do not belong to me. I will not send any further correspondence to or communicate with Capital One XXXX.