davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

This complaint is about the Lowes ( the home improvement chain of stores ) credit card managed by Synchrony Bank. In 2020, twice I have paid off my account balance in full ( XX/XX/2020 and XX/XX/2020 ). But Lowes/Synchrony Bank refuse to issue a statement that reflects my payment. Twice I have had to demand some sort of documentation that their records show that my payment has been made. But they tell me " they don't issue a credit card statement if I have a XXXX  balance. '' I think their refusal is a violation of the Truth in Lending Act, because at 15 USC Ch. 41, subCh. 1, section 1631 and 1632, a lender has a duty to DISCLOSE. The creditor must report all transactions during the billing period, and it does not matter whether the ending balance is zero or not. The consumer needs documentation that a payment was processed by the creditor and applied to the consumer 's account, because a payment could be misapplied, stolen, etc. Here is my latest example. XX/XX/2020 was the end of a billing period where I had an {$88.00} balance. I paid off the balance on XX/XX/XXXX, and my payment posted to Lowes/Synchrony Bank and cleared my checking account, all in XXXX. My next billing date was XX/XX/XXXX, but I had a XXXX balance. I think Lowes/Synchrony Bank is required to issue a statement that reports my payment in XXXX, even though the balance was paid to zero. By contrast, if I had BOTH zero transactions AND a XXXX balance during a billing period, then there's nothing to report or disclose.
Consumer complaint received 2019-01-04
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. (FL)

Dear Sir or Madam:I recently obtained a copy of my credit report from all the 3 credit bureaus and found the following item to be in error:XXXX Account number: XXXXCredit Card Issuer:XXXXXXXX XXXX XXXXXXXX, DE XXXXThis account was never late and account was closed and settled and has been paid in full. XXXX never sent any statements or notification letter in mail to my address but reporting inaccurate information's to the credit bureaus. Had been calling XXXX multiple times and mailed multiple letters to correct the error and they continue to fail to comply and remove the inaccurate information's. I am requesting that the item be updated to correct the information.Please investigate this matter and correct the disputed item as soon as possible.Sincerely,XXXX XXXX
Consumer complaint received 2019-01-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPL Recovery Solutions (CA)

Dear CFPB, I would like to let you know that this company, JPL Recovery solutions did not cease their communication. This is a new complaint I would like to file against this company. Today, XX/XX/2019, they called my workplace and it was my manager who got a call from a certain XXXX or XXXX. I have already advised this office months back that we are not allowed to have personal calls at work and they should stop calling me there. And when I called them on my lunch break the person threatened me again about wage garnishment and giving me false information that I have a debt of {$18000.00} if I fail to pay them {$1200.00}. They did the same before when I sent in my first complaint. They keep harassing me about this XXXX XXXX   loan which I made last year but this has been paid off a long time ago. I do not owe their company {$18000.00}. This kind of action is causing me anxiety and XXXX XXXX. I hope you can help me address this issue with the said company. Thank you again for your assistance.
Consumer complaint received 2020-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NH)

I recently checked my credit score reports and all include an old Citibank Card as a problem account that is negatively affecting my rating. 
In XX/XX/XXXX, I left the XXXX to take a teaching job in XXXX. That same month, I apparently owed {$1.00} on my Citibank card, probably a leftover interest charge. Because I had left the country, I did not receive a bill. 
A credit report shows that over the next year plus, Citibank kept piling onto this original {$1.00} penalties and whatnot until, as of XX/XX/XXXX, the amount owed was {$140.00} ; they then closed the account and reported it to the credit bureaus. 
In XX/XX/XXXX, because of the pandemic, I abandoned XXXX. After being marooned for XXXX months in the XXXX, I repatriated to the XXXX this past XXXX. During my entire time overseas I did not receive any mail from the XXXX. 
The Citibank report and the damage it's doing to my credit rating seem patently unfair, especially given my circumstances. I tried to contact Citibank using two different phone numbers provided by the credit agencies, but was unable to reach a human being.
Consumer complaint received 2022-10-10
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)

i don't know what are you looking at when you do my investigation on this account from XXXX # XXXX it clearly shows that it's inaccurate!! this is a violation of my rights according to FCRA ... stop wasting time and delete this!! date last activity XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, equifax XX/XX/XXXX... last payment : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX equifax XX/XX/XXXX ... ... doesn't look accurate to me...
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: eCon Credit LP (PA)

I dont know where this account came from ... I can not contact the place of business either ... .Ive read multiple reviews about this company and they have turned out to be fraud ... I am looking for the best remedy for this problem ... thank you
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: C/C Financial (TX)

I am filing this complaint in reference to the below account. I have disputed this account on several occasions. Each time XXXX  has failed to follow through. The account is reporting inaccurately. In addition, I also provided documentation to XXXX  stating that the account could be deleted from my credit report as per the supporting documentation from the creditor. Please update my credit report immediately as this is affecting my ability to obtain credit. If you fail to act, I will be forced to pursue litigation. It is my goal to resolve this matter amicably. 

I look forward to hearing from you. 

Account Name : XXXX XXXX  Account # : XXXX
Consumer complaint received 2020-12-28
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: DISCOVER BANK (FL)

On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-01-04
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: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current employer is XXXX XXXX, XXXX XXXX XXXX. I am a victim of ID theft, I was going over my credit report and discover that someone has been using my personal id to open up accounts for credit and business. The following addresses are not mine please delete remove them from my file : XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX , XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX
Consumer complaint received 2020-04-17
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)

XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7100.00} {$7100.00} {$7100.00} No. of Months ( terms ) : 73 73 73 High Credit : {$26000.00} {$26000.00} {$8700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$7100.00} {$7100.00} {$7100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. Merchandise was taken back by credit grantor ; there may be a balance due. Unpaid balance reported as a loss by the credit grantor. 
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-12-28
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. (TX)

I am filing this complaint in reference to the below account. I have disputed this account on several occasions. Each time Equifax has failed to follow through. The account is reporting inaccurately. In addition, I also provided documentation to Equifax stating that the account could be deleted from my credit report as per the supporting documentation from the creditor. Please update my credit report immediately as this is affecting my ability to obtain credit. If you fail to act, I will be forced to pursue litigation. It is my goal to resolve this matter amicably. 

I look forward to hearing from you. 

Account Name : XXXX XXXX Account # : XXXX
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MI)

This problem is with a Discover credit card. I received a statement on XX/XX/2020 that WAS DUE ON XX/XX/2020 ( 4 days after the payment due date ). While this is not a problem for me since it is set for automatic payment it is well past the date that it is required to arrive. This may be the result of an error by Discover or a delay due to the U.S. postal service. I can, however, see this late delivery being a serious problem for several XXXX ( or possibly several XXXX ) people that would be charged late payment fees and additional interest for their particular credit cards. I am unsure if any part of the government can help prevent this problem from happening to others but certainly all credit card issuers should be appraised of this situation and urged to waive any additional fees and interest when this happens to others.
Consumer complaint received 2022-10-10
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. (OR)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-03
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: Experian Information Solutions Inc. (MS)

In accordance with the " Fair Credit Reporting Act '', the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and have violated my rights. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 states that I have a right to privacy.

15 USC 1681b ( a ) 694 ( a ) ( 2 ) states that a reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( c ) ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information other than records of convictions of crimes not debt which anti-dates any reports by more than 7 years.

15 USC 1681s ( 2 ) ( a ) ( 1 ) states that a person may not furnish any information relating to a consumer to a consumer reporting agency if the person knows or had reason to believe that the information is inaccurate. ( Attached credit items have been reported incorrectly. Please delete these accounts properly. Thank you )
Consumer complaint received 2020-12-28
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. (TN)

I have recently reviewed my credit report to see that XXXX XXXX XXXX XXXX  is still trying to collect an alleged debt. I have reported this is Equifax over 30 days now. This account is violating my privacy, defaming my character, ruining my family, and hurting my score.
Consumer complaint received 2020-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper, a company that took-over my existing loan and that I did not choose, got caught taking my money, not belonging to them, but of course, stated some nonsensical excuse for the taking. It's an excuse that you would say, " Yah right. '' I made an extra payment reported by Mr. Cooper on my XX/XX/2020 statement. Even though my check that was paid between payments and clearly stated to pay on principal only, Mr. Cooper still kept the interest on this extra payment and only credited the remainder to principal. If I wouldn't have caught the company doing this, it would have made money not intended for them. 

Remember that one cockroach found, means that there are really thousands not. My voice represents many ; I am sure. Of course, I didn't get my statement dated early XX/XX/2020. It's no coincidence ; this is the first time that has ever happened. Please let me know all the ways that I can complain about this company to protect others. 

I am sure that you will do all that you can to get safe conditions for the public having to deal with this company.. Thanks for your full attention to this matter.
Consumer complaint received 2022-08-09
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give them consent.
Consumer complaint received 2019-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX. My current employer is XXXX XXXX XXXX. There are addresses and information that is not accurate : XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Consumer complaint received 2022-10-10
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)

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (AL)

Im not sure if the specific dates. Ill have to search for the email. Credit karma pre approved me multiple times for a credit card but I was never approved. Im positive it was between the years XXXX. My credit was affected every time it said I was pre approved but I never was.
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

XXXXMy Citi bank checking account and online access to my accounts and thus access to money that I own have been made inaccessible by Citi at least as far back as XX/XX/22. I have called Citi multiple times, and I have repeatedly jumped through all of their numerous verification hoops, and all they would tell me is that my account is " under review '' and that there may not be any further information information until XX/XX/22. Meanwhile, as far as I can see, Citi has stolen my money. I can not access funds I own, and the company Citi refuses to tell me what is going on. Is this legal?
Consumer complaint received 2022-10-10
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. (FL)

On XX/XX/22, XX/XX/22 and XX/XX/22 I asked the credit bureau to investigate items that I believed weren't reporting information at 100 percent accuracy. As of now, I haven't received any notices from them stating that the accounts are in investigation. In my letters to the bureau I listed my reasons for disputing the information as far as incorrect amounts, dates and statuses of the accounts.
Consumer complaint received 2020-12-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Navient keeps giving my wife the run around about providing supporting documentation for her IBR request. They rejected her request FIVE times, each time saying there was no indication of how much of my income was taxable, which is completely false. On EACH of the supporting document, in big bright red text it says how much is taxable. It's completely ridiculous.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (CA)

XXXX Is Not Reporting all my Credit Cards or Credit History in the Open Trade Lines of Credit Reporting. Over two months ago I was added as an authorized user of One XXXX XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another Wells Fargo Card with a 4 year credit history. I need ALL of these cards reported to my XXXX Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my XXXX Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need XXXX to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Consumer complaint received 2020-12-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MA)

I was divorced on XX/XX/2019. My ex-wife was awarded the car in the settlement and I was to be held harmless according to the terms of the divorce. My ex-wife refused to make payments and the car was subsequently repossessed. I was notified that my credit report has taken a hit ( it is the only item on my credit report ) and that the car will be auctioned off and I will be held liable for any monies that are not covered by the amount the car was sold for. I have attached the divorce decree for clarification.