davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (MO)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$970.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

made a cash advance on XX/XX/XXXX for XXXX. made a branch payment on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. purchases have an interest rate of 15 per cent and cash advance has an interest rate of 25 per  cent. the card is wells fargo. according to the credit card act of XX/XX/2009 all payments above the minimum payment are to be credited to the higher interest rate first. my minimum payment for my statement closing date of XX/XX/XXXX is XXXX. so the other XXXX should have been applied to the higher interest rate cash advance. it was not applied. i called wells fargo on XX/XX/XXXX and was referred to a supervisor named XXXX. he referred me to customer care a person named XXXX talked with me. he claimed first that the law had changed so i XXXX the change but found no evidence. so XXXX claims that i have the wrong understanding of the law. that is what prompted me to contact the consumer financial protection bureau.
Consumer complaint received 2022-09-14
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA (CA)

XXXX XXXX, after a total loss leased vehicle, keeps all settlement monies even if the payoff amount is less than the settlement. There have been numerous claims that I have worked on that XXXX XXXX is the XXXX. They demand that the whole settlement amount from the insurance is theirs even though the payoff is less than the settlement. My clients are getting robbed by XXXX XXXX. The insurance companies side with them stating that it is in the contract. Just because it is in a contract that no one really reads, the fine print, doesn't mean it's lawful. Please investigate XXXX XXXX as it is really unfair for them to keep the equity that is owned to the people.
Consumer complaint received 2022-11-08
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: LEXISNEXIS (VA)

I became aware in XX/XX/XXXX when my homeowners insurance company said I received a higher rate because of my credit report, that Lexis Nexis was combining my credit information with another woman 's who had the same first name and a social security number with one digit difference. I have been through this correction with the 3 other bureaus. It has taken seven phone calls and all the information but a CLUE report has been removed. Lexis Nexis is telling me that can't remove the other woman 's accident report because it was put there by the insurance company. Apparently they have no process to correct their error in combining my report with hers. In addition there is a new CLUE report from my auto insurance company of XXXX claims for windshield replacement that XXXX has said they did not report. The new CLUE report was not on any of the previous 6 requests I made so I have to believe it is retaliatory and I would like it removed. I have not had any accidents and would like the CLUE reports not related to me removed. It is unconscionable to have no process to correct their mistakes.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A section 2 ; it also states consumers reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-15
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX XXXX  XXXX Account Number : XXXX As a consumer by law this account must be deleted. 2. Identity Theft XXXX Account Number : XXXX As a consumer by law this account must be deleted. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 18. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I have been going through foreclosure hearings this year, and it was decided XX/XX/XXXX that the sale date would be XX/XX/XXXX. I was offered a short sale on the property XX/XX/XXXX, and SPS day on their hands, and did nothing up until a few days before the sake date, then it was extended until XX/XX/XXXX, however SPS decided to deny the short sale because of the original sale date. Thus company does n't care what they do to consumers. 4 months of sit ting on a short sale offer, only to deny it because of their own laziness.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CT)

I am one of the 143 million Americans whose personal data were stolen from Equifax. Equifax advised me, via website, that I was entitled to a free year of credit alerts through their TrustedID Premier offering. Accordingly, I signed up for TrustedID on XXXX/XXXX/XXXX. I finally received a confirmation Activation email on XXXX/XXXX/XXXX and I immediately did the final activation steps. But I received a web message that said " Product Already Activated. Our records indicate that you may have already enrolled and activated the TrustedID Premier product. Attempting to enroll again is not necessary. Please go to XXXX to log in to your product. '' Since then, I have tried at least 15 times to log into the TrustedID website, but I always get back a technical message that the web connection does not work. I have phoned Equifax three times since then, and they claimed I was being referred to an escalation team, who would phone me. I have never heard from this team, or anyone at Equifax, on how to obtain the promised free credit alert service. I believe that I am one of millions of Americans who are being purposely misled by Equifax, and hope that the CFPB can help me get the credit service that Equifax promised as partial compensation for their failure to effectively guard my personal data.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NC)

I currently have a Walmart store credit card issued by Synchrony Bank and have had ongoing problems with this bank. Most recently, on XXXX/XXXX/2016, Synchrony Bank reported that I am $ XXXX days past due. On XXXX/XXXX/2016, I made a payment of {$35.00} and on XXXX/XXXX/2016, a payment of {$75.00} was made. For the past two months, I have made {$110.00} in payments. I have yet to make a payment for XXXX, but it is forthcoming. 

I do not understand how Synchrony Bank determined that I have missed more than 3 payments. This would had to have occurred in order for me to become {$110.00} past due. In addition, I am consistently being charged interest for going over my credit limit. However, after each payment is made, there is no available credit. Therefore, I can not possibly go over my limit. It is the excessive fees which are causing me to go over my limit. 

There is no basis for this bank reporting erroneous information concerning my payments other than that Synchrony Bank is an unscrupulous lending institution with very unethical business practices. Prior to this reporting, I had no missed payments on my credit reports and as a result of Synchrony Bank 's error, my credit score dropped XXXX points.
Consumer complaint received 2022-09-14
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. (NC)

penfed reported me being late for A CAR PAYMENT THAT WAS NOT IN MY NAME AND I FILED A FRUAD CASE NEVER RECEIVED REPORT TRIED TO GIVE XXXX XXXX
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MARINER FINANCE, LLC (MD)

I have personal information that is apart of identity theft on my credit report. I also have accounts that are not mine due to identity theft. 
Several disputes and attempts have been made to get wrongfully information removed from credit report.
Consumer complaint received 2019-12-04
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: BARCLAYS BANK DELAWARE (CA)

I disputed two charges made with my Barclays Bank Delaware Credit Card to a marketing service company called XXXX for a total of {$3300.00} and Barclays failed to perform the chargeback even though I provided Barclays with sufficient explanation and evidence showing that XXXX was conducting unfair business practices ; making false statements about me accepting their terms and its no-refund policy ; and ultimately failing to deliver the benefit I paid for. 

I paid XXXX  {$3300.00} ( one charge for {$3100.00} on XX/XX/2019 and one for {$170.00} on XX/XX/2019 ) in advance for 32 video testimonial posts by XXXX XXXX on their XXXX   pages to be seen by their followers to promote the sale of my product ( the XXXX XXXX XXXX XXXX  : XXXX ). XXXX advertises and claims on the home page of their website ( XXXX XXXX XXXX ) : The content created on XXXX converts audiences to paid customers. 

I received zero ( 0 ) video testimonials I am entitled to a full refund for the total of {$3300.00}. To date, XXXX has issued only a partial refund of {$670.00}. 

I am also entitled to reimbursement of {$1500.00} worth of lost product shipped ( AND {$240.00} lost shipping and handling fees ) to XXXX that kept the product and did not post or were not approved to post as a result of not meeting content approval requirements. 

PLEASE ATTACHED UPLOAD DOCUMENT FOR FULL DETAILS AND SUPPORTING DOCUMENTS
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

This particular account situation that is lately filing on my own credit document has a
seriously unfavorable relation to my personal ability to obtain a present loan application. I
highly recommend you generate verification that Credit Union has been reported
completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-12-02
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. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized inquirie. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX BANK XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX BANK  XXXX XXXX XXXX, XXXX, XXXX XXXX BANK XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX BANK XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

received a statement from Barclays ( Jetblue card Plus ) in XXXX. {$9.00} XXXX, {$99.00} annual fee {$29.00} fraud chg ( disputed and later rec 'd the letter XXXX XXXX confirming I was not responsible ). At that time I canceled the card so the {$99.00} was credited and I paid the {$9.00} XXXX. At that point, I should have a XXXX balance. Month after month, I was recieving statements with late fees and interest. For 10 months now I have called over a dozen times spent hours with numerous people to get no where. I have even went back from XX/XX/XXXX to XX/XX/XXXX exported the activity and if anything it shows a credit of ( {$40.00} ) but they keep sending me a bill for {$50.00}. They clearly have no idea what they are doing. I can even prove that on XX/XX/XXXX statement I had no carry over balance on the card. Please help
Consumer complaint received 2022-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (PA)

When the student loan interest forbearance started in XXXX of XXXX I had {$23000.00} in subsidized loans owed to Edfinancial. On XX/XX/XXXX of XXXX I made a payment of {$5500.00} and then again on XX/XX/XXXX of XXXX I made another payment of {$5500.00}. I then had {$12000.00} remaining in loans to be paid. 

Under the CARES Act I should be able to request a refund for those payments I made to Edfinancial and on XX/XX/XXXX of XXXX I called Edfinancial to request a refund of {$8000.00} from the {$11000.00} XXXX paid since XXXX of XXXX. Edfinancial has put the refund into their system but offers no confirmation of that refund so I have so record of the request other than when I call and the customer service rep manually looks in their system. On top of that, no rep that I spoke to was able to give me a timeline of when the refund might be processed, when my new balance would show up in my account, or when I might actually get the refund. 

From looking at what others are saying online, the reps that do give a timeline are saying that the refunds will take up to XXXX days and they also get no email or paper trail confirmation. If that timeline is true ( which again I can not confirm because I was never even given a timeline ) it seems insane that it would take that long given that the CARES Act passed 2.5 years ago. When I pay them the money is out of my account within a day and yet when I request back money that they are legally required to return to me all they do is shrug and say you'll get it at some point I guess.
Consumer complaint received 2022-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

This is related to my newly opened Checking and Savings account in USA as I reached here on XXXX on work permit for my Employer XXXX XXXX. 

I have opened my Checking and Savings account in Chase Bank. On XXXX I have uploaded a Check provided my by Employer XXXX XXXX through Chase XXXX XXXX. From the next day XXXX Check funds worth XXXX has been put on hold by Chase Bank. 

After that I tried multiple times to reach out Chases Customer Support team to get the issue resolved related to hold on my account. They wanted to verify my Check and was asking the phone numbers of Employers Payroll Department which I did and even other available contact numbers. However theyre not calling or saying this number we cant call because of their policy. Instead theyre saying theyll close my account with whatever funds available. 

Chase bank has already incashed the Check and told me theyll freeze my account with the funds available {$2400.00}. I and my Employer has already provided whatever they asked. 


Please look into this matter to help me out and get my funds back. This was my first Paycheck and really very important for me.
Consumer complaint received 2020-08-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (CT)

I paid my mortgage in XXXX through cashier check .The mortgage company has the cashier check but do not want to put in the work to find it .My bank already faxed them duplicate of the cashier check .it has been over 6 months and anytime I call I get the same response Give me up to 3 working days and nothing is being done .They reported me to my credit bureau amidst all this.
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried four times through the dispute option on all my credit reports to remove 9 ( x 9 ) late reports from XXXX, the XXXX/Gov  funding for college loans from my reports. On my credit report under derogetory information it shows late payments 9 late payments for each account. Ihave been on loan deferment since 2009. On my list of accounts in good standings it shows never been late. I need these deleted so I can find a new apartment and get phone service.