davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IA)

XX/XX/2022 I have called all three bureaus XXXX XXXX Experian and XXXX requesting a credit report and they stated that my report would be arriving within the next 15 business days. prior to this call I submitted a letter asking for a free credit report and I did it through mail because I have ITIN number. it is XX/XX/2022 and I have not received anything from the bureaus. XXXX did send me a letter stating wrong spelling on last name and stating that they can not provide me a copy of my credit report until I provided additional information for identity. 

I have provided a copy of my ITIN sheet that was given to me by the IRS. It states my full name address and ITIN number. I have also provided a copy of my insurance card along with the bill statement from XXXX it states my name and my address as this is all I have for documentation. 

I have the right to a free credit report and I have provided the documentation that I have available to prove that the identity is mine.
Consumer complaint received 2018-11-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: United Group Inc. (WA)

XX/XX/2018 As a first time auto loan seeker I went into United finance to fill out a credit application for a small loan to purchase a used car to get to and from school. When I turned in my paperwork I received negative feedback about being a address confidentiality program participant and at first was denied to proceed with anything. My older sister who has worked in a financial industry and came in with me tried to explain about what the program is and showed the underwriter employee a copy of our cards to explain why we do not have to disclose our address, and wanted to show the representative where he could find out more about this and quote it in the secretary of the states website but the employee deliberately cut her off and raised his voice that I would need to apply in a location closer to where our mail is forwarded in order to proceed. I am filing this compliant because my experience was not only of discriminatory nature, but also to help others from experiencing the same and in hopes that people in the financial industry take the time to really understand the regulations they try to enforce and to actually listen to the customers that seek their professional help. According to state law, no XXXX participant has to disclose their physical address and are only required to show their card in order to peruse financial services. It also my understanding that if they decline service they are no longer in compliance with the state law, therefore I am bringing this to your attention.
Consumer complaint received 2022-06-23
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2021-07-08
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: JPMORGAN CHASE & CO. (MD)

Back in XX/XX/XXXX, when I managed a charity online utilizing several online seller platforms such as XXXX and XXXX for a non-profit company, XXXX XXXX XXXX XXXX XXXX ( XXXX ), we created an XXXX seller account using my personal credit card. During the active online selling, XXXX unilaterally remove our selling privileges on XX/XX/XXXX and blocked us to log onto our account. While we were asking for the reason for their decision to block our account, as my last day of work XXXX XX/XX/XXXX XXXX for the XXXX was approaching, from XX/XX/XXXX XXXX and my colleague sent daily email to XXXX to remove my personal credit card on file and call us to update the financial data as XXXX did not allow us to log on and update the information. We sent daily reminder emails to XXXX, but did not receive any response until I left XXXX on XX/XX/XXXX ( see the attached email chain ). When I saw $ XXXX pending charge on my credit card on XX/XX/XXXX, I knew that XXXX failed to remove my personal credit card information, so I contacted XXXX  if they received any response from XXXX and reason for the charge, and my former colleague forwarded the enclosed email chain explaining that they still had not yet received any responses from XXXX. They couldn't even check the balance, couldn't even know the reason for the account block. So I contacted immediately Chase about this $ XXXX unauthorized charge on my credit card on XX/XX/XXXX, and customer service told me to wait until the charge was posted to dispute the charge. So on XX/XX/XXXX, I saw the pending $ XXXX charge eventually posted on my credit card, so I contacted Chase customer claim department to explain the situation and asked to send all supporting document _ So I faxed the enclosed signed letter with the email chain, but Chase resolved the issue indicating that they closed the dispute because I had received the service ( please see enclosed letter from Chase as well ). My main reason for dispute was the unauthorized charge because of my many attempts to remove my personal credit card on the XXXX account.
Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (NJ)

In XXXX of XXXX I spoke with a representative from Sierra Pacific Mortgage. I explained my circumstances of having 2 tenants who worked in XXXX and that they were unsure of their job security due to the pandemic. I could not make the mortgage payments without the income from their rent. As advised by the representative and out of an abundance of caution, I decided on a forbearance for the mortgage. 
By XXXX, the tenants advised me they were secure in their places of employment and that rent payments would not be in jeopardy. I immediately contacted Sierra Pacific to attempt to remove myself from the forbearance. The process was time consuming and in vain. After many calls and hours of waiting on hold it was stated that the auto draft payments would be reapplied for XXXX and my forbearance payments would be deferred to the end of the loan. After XXXX I contacted Sierra Pacific at least on a monthly basis to be clear the auto drafts were not happening. I was told to make my payments manually as it takes time. 
It is now XX/XX/XXXX and I have have made every payment in a timely manner since XXXX of XXXX manually. I received my XXXX Mortgage Interest Statement form and the interest paid for XXXX was only calculated from the first 4 months of XXXX. I spoke with XXXX XXXX customer service and loss mitigation and was told I was still in forbearance and my last 6 mortgage payments were held as suspended. 
Several more hours being on hold and it was confirmed my forbearance was deferred as of XX/XX/XXXX. After repeatedly questioning how this happened I was given no explanation as to why this was never corrected and was just being forwarded to speak with a different department or supervisor. 
The issue has progressed as my mortgage interest for the year is only about a third of what was actually paid and this will affect me negatively on my taxes for XXXX. As of yet I have not been given a satisfactory response towards rectifying this error. It appears to be approximately several thousand dollars in interest that is missing from my 1098.
Consumer complaint received 2021-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TN)

I paid off my car loan with Ally Auto on XX/XX/2020. On XX/XX/2020 I received an email stating that the title was released and I should see it in 7 days. I called in XXXX to ask where it was. I was then told that they did not have it that the DMV in CT had it. I then emailed the DMV and was told that they did not in fact have it, that the lean holder has the title. I then called Ally back and was first told that the DMV has it until I told them that I already talked to the DMV. Then they changed their story and said it was already mailed out. I then asked for the tracking information and was told that they miss placed it. They then went on to tell me I had to pay for a duplicate tile and when I refused to do so they ordered one for me. I then received an email on XX/XX/2020 stating it was just sent out to a 3rd party. So I gave it time to get here and it never showed up. I just called them back today and was told it must have been sent to the wrong address and that they would order another duplicate title. My car is now unregistered and I can not drive the car that I paid off in XXXX.
Consumer complaint received 2022-06-23
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. (AR)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX NUMBER 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 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2020-12-03
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. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: R.M. Galicia, Inc. (CA)

Progressive Management Systems, is reporting that I have an open account with them when I do not. The medical bill is being paid through XXXX XXXX XXXX. They notified PMS to cancel the account because I have qualified for financial assistance and will be making payments directly to the hospital. I have asked them to remove it, as well as the liaison from XXXX who speak with representatives at PMS. I have also disputed this account on multiples platforms and they are still maintaining that I have an account. The representatives at PMS are very rude and do not care about customer issues at all.
Consumer complaint received 2021-02-08
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: Credit Plus Inc (KS)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports. 
On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX, GA XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-02-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

eqiufiax is not reporting an any of my trade lines and on my XXXX and XXXX it is reflecting that I was late and I was never late in XX/XX/2017. In addition they have negative trade lines that are over seven years that about 12 years and should be dropped or taken off. Which are California XXXX XXXX XXXX and XXXX.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Skrill USA, Inc. (TX)

on XXXX we formally with a fax provided by the company, and acknowledge by them.they continued to take money from my account amounting to over {$5000.00} .They were granting a refund, but at the end refused to return the money. tried on several ocassions to reach a supervisor.
Consumer complaint received 2021-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA (CA)

I found out today through my banker at XXXX XXXX that my credit score has dropped significantly do to an unpaid bill on Apple Card. 
I do not have an apple!! 
I was asked to call the company which I did. 
I informed them that I dont even have an Apple as I never opened an account. They told me that the only way to clear this is to file an identity fraud report either with the police or on the XXXX  site. Then get a copy of the report and mail it to them so they can begin the investigation. 
So as crazy as it may sound I need a copy of this to mail to the company, Goldman Sachs, so they can start the investigation. 
Thank you
Consumer complaint received 2021-02-08
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: U.S. BANCORP (CA)

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. US BANK XXXX Inquiry Date XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2018-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (PA)

This creditor is using intentionally deceptive practices to keep you from paying the bill There is no way to login into account without the actual credit card but no credit card was ever sent to my home Since I did not receive any statement, I called XXXX XXXX XXXX who led me to the credit card agent who informed me my account was overdue. 

The agent said the overcharge fees would be refunded, but they were not The statement closed 22 days after the first purchases were shipped even though the terms were 30 days. 

There was no way to open a payment because no billing statement was ever sent ( you need the account number to login to the email/online payment center ) A notice was sent in email using an unusual name not matching the credit card name : " XXXX XXXX Credit Card '' was opened Synchrony was emailed. This was intentionally made to look like spam as I had no knowledge of any business with Synchrony Bank I requested a mailed statement of the first bill which arrived after the second billing statement closed causing another overdue fee I had two overdue fees before I ever was given an account number. The account number was needed to pay online. 

This company is fraudulently delaying and complicating the payment process to intentionally cause overdue fees.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (IN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SYNCB/OLDNAV. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-02-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (WA)

Leased a vehicle from Ally Financial. They are showing a balance of {$550.00} for excess wear on a wheel. This balance has been reported to the Credit Bureaus. Per the literature Ally sent to us regarding end of lease procedures/policies, excess wear constitutes broken, mismatched, bent or cracked wheel. 
Per the inspection report completed by Ally Financial, dated XX/XX/17, none of the above conditions are noted. We were an A paper loan for Ally and have excellent credit rating. During the course of our 4-year lease, there was never a late or missed payment. 
Again, based Ally Financials literature, the damage does not warrant a charge. Furthermore, this wheel can be purchased new for {$200.00}, not {$500.00} plus.
Consumer complaint received 2020-01-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: PLS GROUP, INC (IL)

I been receiving letters & mail to my job for this loan that was send to collection since XX/XX/2020 i believe there's nothing much to say since it was send to my credit report without being & when i apply for this loan i was also told it wouldn't expired until XX/XX/2020 & it was send to collection before the due day? i was told to make 2 payments an month of {$59.00}, the information i was told was not current, after sending it to collection i still receive mail & calls from this loan company PLS trying to do take payments from my paystubs.
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

A previous investigation was filed for an inquiry on XX/XX/2020 from XXXX XXXX  XXXX. 

The results of the investigation revealed that the inquiry was deleted from the credit report. 

However, the XXXX XXXX  XXXX inquiry from XX/XX/2020 is still reporting.
Consumer complaint received 2020-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES (CT)

I was contacted by a company called Zwicker and Associates on behalf of XXXX XXXX. I tried contacting XXXX XXXX to explain that I have never had an account with them and that I have been a victim of identity theft and that I did not authorize these accounts. I gave them my information and they updated it within their systems, and then told me that my account was transferred to a debt collection agency. I contacted them and was told that these accounts were forwarded to a civil matter. I was not made aware nor was I served any papers for a civil matter. The information that they had within their system does not and did not match my address the only information that matched was my name and social. I tried explaining that I have been a victim of identity theft and they are telling me that I am responsible for these accounts. I did not authorize these accounts and they do not belong to me.
Consumer complaint received 2022-01-07
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. (NJ)

In XX/XX/XXXX, I realized that someone used my personal information to obtain a mobile account. I realized that this happened in XX/XX/XXXX. This has caused me great anxiety and has made it difficult to obtain new credit. Due to the pandemic, I need to obtain credit to provide for myself and was unable to do so because of this discrepancy on my report.
Consumer complaint received 2020-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CSO Financial (OR)

Okay in XX/XX/2018, I had three jobs. I got evicted because my partner forgot to pay rent, then the power got shut off. 18 hours of work in one day, move a box off of the couch and a knife fell out, and I sat on it. I had to take an ambulance ride. After that I XXXX XXXX And lost all of my jobs, and my home. Long story short, the ambulance didnt bill my insurance and I owed them XXXX that I wasnt ever notified about. I called CSO.financial to pay off an unrelated debt and come to find out now I owe XXXX in less than a year? They never contacted / reached out to me. I requested the breakdown of info so I could file a claim with my insurance, the woman said she had already sent one and then sent me a notice stating your request for future documentation will be denied, we have already provided all required documentation. I called the XXXX XXXX billing and got ahold of my records there. Then my insurance cleared my outstanding balance. This debt collection agency now wants over XXXX. I cant afford this absolutely outrageous debt. The agency was an absolute joke, assigning me to a case manager that was never in the office and when she was treated me like a piece of garbage. Honestly everything about my case manager was shady, I dont know who else to turn to for help.