davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
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: SYNCHRONY FINANCIAL (TX)

I purchase a Mattress through Mattress Firm on XX/XX/XXXX XXXX XXXX location XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX USA Phone : XXXX I was told by a Mattress Firm representative that Synchrony Bank would mail me account information to be able to make payments. It is XX/XX/2021and Synchrony has failed to send me account information so I am able to make payments. I have called customer service a total of 4 times to try to resolve the issue. However, the issue persists and it has not been rectified. I tried making a payment with customer service and they wouldn't take my payment, they also wouldn't send me to account information via E form or pdf. The issue at hand is that they have failed to send me correspondence with my account information on 3 different occasions. Moreover, I requested a supervisor and requested the credit card/ account information be sent out to me via certified and priority mail so I am able to track the mail and they told me they weren't able to do that. Every 7-10 business day period I have called them informing them they have failed to send me account information. I expressed to Synchrony Bank that I have received mail from Mattress Firm and that's the same information that has been provided to Synchrony Bank. Synchrony provided me a time frame to wait for a " new card/ account # ''. I am supposed to be making a payment every month, and this is being reported to the XXXX, this is interfering with my livelihood and I have tried to resolve the issue with the company on various occasions, which are preventing me from following through with my contract. Synchrony Bank is breaching our financing contract.
Consumer complaint received 2021-11-03
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. (GA)

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Consumer complaint received 2021-11-03
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. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 48 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-03-26
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: ERC (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX # XXXX, ENHANCED RECOVERY COMPAN # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2021-09-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

Since XXXX of this year, I have been working with Wells Fargo to sign a split-sign loan modification for the COVID relief fund. There have been numerous delays and incorrect documents sent to me. I have called them at least a dozen times for updates on this loan and they were never able to give me an answer. I have sent in the forms 3 times, only to have them destroyed and blanks sent back to me saying what I need to fill in, without mentioning what was missing previously. 

The last time I sent in my signed and notorized documents, I called Wells Fargo and had a Home Preservation specialist walk me through all documents and confirm that I had all forms necessary before I sent them in. That was 3 weeks ago. Today XX/XX/21 I received blank copies again stating the same requirements, again, missing the comments as to what was missing previously. 

The home preservation department and who ever is receiving these documents are obvious

ly 2 separate entities because no one has any idea what is going on with the other. This is the second complaint filed for this purpose, their executive
contact reached out to me and did make an effort to remedy this but as of today, I see no positive results what so ever of that attempt. I have only received calls from my home preservation specialists 3 times, leaving a message, but never being available when I called back. I have never spoken to my assigned home preservation specialist, who has recently changed names. 

I need someone, in person, to walk me through what is needed. I also want to be sure I am being protected against foreclosure because of this horribly managed process that will now take several weeks longer to address. 1 party that needs to be present is in the military ( contractor ) and is often overseas and is limited to what mail he can receive. 

This is an absolute mess. I have never dealt with worse communication regarding someone's basic right to have a roof over their head. I would appreciate much greater attention to this matter this time around rather than just forwarding it to my bank like the last time this complaint was made.
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Synovus Bank (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I have 2 XXXX XXXX XXXX  accounts listed on my Equifax credit report. Thats inaccurate information listed on my credit report. I only have 1 account with XXXX XXXX XXXX, not 2 accounts, and I have a {$0.00} balance. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX/XXXX, XX/XX/2020, I have never had a missed payment with XXXX XXXX XXXX. All of my payments has been on time with XXXX XXXX XXXX.
Consumer complaint received 2021-05-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2020, I submitted an international money wiring transfer via online from Wells Fargo to a bank in XXXX called XXXX in the amount of XXXX equivalent to XXXX ( XXXX pesos ) + XXXX service fee, as a payment to my doctor which never received the funds showing proof of it. Through multiples times that I been dealing with Wells Fargo I had never get the help that I need to recover my money back, Today, a case worker named XXXX told me that the funds are in the XXXX ( XXXX ) and the beneficiary is refusing to refund the money to their recalling requests ; I never sent any funds to BBVA. For months Wells Fargo kept me bouncing from representative to representative on their regular number, so, I had escalated my problem to the CEO Office. 
They already closed my case and refuse to take further action to recover my money.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX  is showing error several error s on my credit report first one is company called XXXX  I've never had XXXX  card or account before dispute several times for it too appear again on my report also shows I have late payments on my XXXX XXXX card never been late also on my car loan shows late never late XXXX  refused too help me.
Consumer complaint received 2021-11-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (AR)

Opened Citibank checking account with {$200000.00} because of their {$1500.00} incentive After meeting 2 month requirement I attempted to transfer money out of the Citibank account Was limited to $ XXXX per day so initiated multiple tranfers over multiple days 2 of the Transfers were redeposited back into my CB account ( supposedly because of a CB internal error ) and 3rd one was cancelled due to security alert ( I responded with all requests for information regarding security alert and was informed it was approved ) I have complied with every request but it is clear CB is simply stalling my transfers in order to keep the {$200000.00} in their bank I am also being charged for $ XXXX {$40.00} for transfers that were not completed
Consumer complaint received 2019-03-09
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: EQUIFAX, INC. (MI)

I was not able to receive assistance from Equifax on creating and accessing an online account. I failed my identity check and was very concerned that someone had stolen my identify. 

I immediately called their provided phone number to setup a credit freeze and renew my fraud alert. 

The first representative was ( I think ) helpful. According to her, I was able to setup the credit freeze and fraud alert. However, strangely, I setup XXXX XXXX the following business day. XXXX XXXX hit the credit freeze I setup with XXXX XXXX ( same day as Equifax ), but did not hit the credit freeze for Equifax. This leads me to believe Equifax did not faithfully carry out its responsibilities under the FCRA. 

I was transferred at least 5 times with each individual apologizing that they did not have access to help me get into my online account. When I asked for a phone number from 3 of the 5 representatives : One representative gave me the general customer number, XXXX, which was not helpful. 
Second representative gave me the following number, XXXX, which the final representative I spoke with mentioned they could not find that number listed in their directory - not helpful. 
The final representative then gave me XXXX. This is one digit off, which I question is a working number. 

On top of all this, I was speaking to people that were in the XXXX. However, I judged this based on my experience with the accent. The final representative was not intelligible. I had to repeat what I thought she said to confirm whether what I heard was correct. Considering the sensitive information citizens have to provide, why wouldn't you spend the necessary money to hire good ol' fashioned Americans?? 

And when will we finally receive proper protections from these American credit reporting agencies that seemingly have no regard for the well being of Americans? At minimum, shut down Equifax.
Consumer complaint received 2022-08-19
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OR)

On XX/XX/XXXX I bought airline ticket with XXXXt also applied and was accept for credit card through Chase. I waited the 7-10 business days for the card and still have not received it. Ive tired to reach to Chase via there customers Service number with no information on my account I can't even get through and talk to an actual person. On XX/XX/XXXX I went to chase bank, at this time my ID is expired and can't even get any information from the banker. Now I'm stuck between waiting for my DMV date to get a new ID and not being able to fix what's going on. The Credit Card is also being reported on my Credit Report as closed. Im not sure what to do and I don't want my credit to be damaged because of this.
Consumer complaint received 2020-12-04
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: Titan Receivables, Inc. (AL)

On XX/XX/2018, Titan Receivables, INC. add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred or sold and Im no longer responsible for this account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contact, or signature for this accused debt at all. A Bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Titan Receivables, INC has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Consumer complaint received 2018-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CASHCALL, INC. (CA)

I have been struggling due to other debts and medical issues and really needed the funds provided to me however at this time I am unable to pay this debt. I have been diagnoised with XXXX XXXX and have several medical bills.
Consumer complaint received 2020-07-13
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: N26 Inc. (MA)

DATES : XX/XX/2020 AMOUNT : {$40.00}, {$78.00} the company charged me incorrectly by writing external bank refund charges
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (OH)

I have never done business with THE CBE GROUP XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency. Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank is AGAIN, following it's XXXX status quo history of continuing it's negligent business practice of systemic institutional racism. They have AGAIn for the 2nd time this year erroneously inaccurately report my account number XXXX 60 days late.I have NEVER paid my mortgage account 30, or more days late!!! 

In addition, all this despite the attached documented legal forbearance agreement that I was extended, and agreed too from the date of XX/XX/XXXX2020 to XX/XX/XXXX 2020 3 months still in existence, and Chase Bank having sold the loan per the attached XX/XX/XXXX20 letter notification documentation to XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX20, per Also, per the legal forbearance agreement it was/is CLEARLY stated that NO late payments, or late payment charges would be reported to the credit reporting agencies. Which is again, is evident of Chase 's status quo systemic institutional XXXX business practice wrongly attempting to damage, and suppress my credit worthiness, and employment viability with the erroneous inaccurate late payment reporting.
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2019-03-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (IL)

Since 2018 we have been trying to get mortgage assistance. We have been denied twice based on what they decided which we know we could of qualified. In our 3rd attempt we, with the same info previously provided, have been getting the run around in all types of documents they are wanting. What was a small amount of monies in arrear is now getting double of that because of their delay in application process? In their most recent request, they have wanted to have us have quitclaim deed, the house insurance, etc. While all of this is going on and we are in constant contact with them, they have us still going to court because they say the foreclosure process does not stop. Then why have us provide all this info and await a decision if you are still foreclosing? We are now chasing them by calling every day and still no official decision or approval paperwork but yet, they dont stop the foreclosure proceedings or update their attorneys. In Illinois, document states that if a loss mitgation application is in the works, they should of never proceeded with foreclosure proceedings but allow us enough time to resecure the debt. As mentioned in the beginning, we started this process a very long time ago when we fell into a financial issue of job loss. We started with a temporary relief of an unemployment application which just put us more into issues because by the time you are done with the payment plan, it consittes 1 whole month of mortage but yet you are now 6 months more in dedt. I believe they set us up for failure to take our home away.
Consumer complaint received 2019-11-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

IC Systems - Debt Collector For XXXX Hospital Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I had the right to demand that IC Systems disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. I demanded that if they did not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). What was sent back to me as " validation of the debt '' was a forged document. The " contract '' sent to me included forged initials and signature. This is illegal. I would like action taken and the debt removed from ALL 3 credit bureaus.
Consumer complaint received 2017-12-14
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (WY)

I made a purchase for {$590.00} at the XXXX Wyoming US Post Office. They had to cancel the transaction because of a broken printer. 
The money was NOT refunded to my XXXX XXXX debit card XX/XX/XXXX. 
The Postmaster XXXX XXXX investigated it and tried again to refund my money on XX/XX/XXXX. 
XXXX XXXX XXXX did NOT put the refunded money on my debit and I had to call after midnight to talk to anybody. 
They gave me a dispute case number XXXX. I reported it to XXXX Wyoming Police case number XXXX. 
XXXX XXXX did NOT send dispute paperwork and lied about it. I send the info plus a letter from Postmaster XXXX XXXX on the matter to XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Texas XXXX. No response. 
I faxed it to their dispute number XXXX and got transmission verification back but XXXX XXXX lies and said it wasnt received and it has been faxed twice. 
I reported this misdemeanor larceny theft to FDIC. 
I am reporting it to you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have sent multiple disputes to the credit bureau giving them information on why the auto loan with XXXX XXXX XXXX  XXXX is incorrect on my credit report. The account was opened with the lender in XXXX of XXXX. Our last payment was mad eon the account before the end of XXXX. We have asked them to investigate. We believe that the lender reaged the account to show a payment in XXXX to keep this account on our credit report for longer than normal. This account has been marked as charged off as well but there is constantly showing an outstanding balance of over {$20000.00} on the account. It has caused us much strain since when our credit report is pulled the inaccurate information is shown. I would like this account removed and the credit bureau sanctioned for not properly investigating customer disputes. The last time that we paid taxes on the vehicle was at the beginning of XXXX for tax year XXXX. If we had the vehicle past then, we would have been forced to make additional tax payments to keep the car.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (CA)

The credit reporting time limit has expired and Transworld Sytems Inc., has illegally re-aged the account. My disputed credit report reflects that the account was opened on XX/XX/XXXX. 

The actual date of first delinquency is approximately XX/XX/XXXX. The last date of activity on the account is approximately XX/XX/XXXX. 

XXXXXXXX XXXX XXXX is the original debt collector.