davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CT)

A few months ago, Citgo / Synchrony changed their complete credit card system including the rewards that are offered. They now say that it takes 2 to 3 billing cycles to reflect the rewards that should be applied. On my statement of XX/XX/XXXX, my rewards were shown for my purchases during the month of XXXX and I was not given my rewards of previous months. Now in my XX/XX/XXXX statement there are no rewards credited to my account for XXXX ; nor for any previous months. I am owed many credits for previous months purchases as well as current. If XXXX 's statement showed my credits, my should statements since XXXX and going forward not reflect applied credits. Citgo / Synchrony is transacting fraudulent practices. 
I have contacted them recently and once before about missing rewards and nothing is done.
Consumer complaint received 2018-08-21
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: WELLS FARGO & COMPANY (MD)

WELLS FARGO BANK, XXXX XXXX, MD IS ISSUING LINE OF CREDIT CARDS BASED ON FALSE APPLICANT INFO, WHICH IS THE ACTUAL ADDRESS OF THE PERSON WHO THE ACCT BELONGS TO. WHEN. IT WAS EXPLAINED TO WELLS FARGO THAT THIS PERSON DID NO LIVE AT THE STATED ADDRESS THEY HAVE IN THEIR DATABASE, AND THAT NO STATEMENTS OR BILLS OF ANY TYPE WOULD EVER BE DELUVERED HERE, AND THAT THE PERSON WHO COMITTED THE FRAUD KNOWINGLY GAVE A FALSE ADDRESS ON A RECENT 30-60 DAY ACCT, IN ORDER TO SWINDLE WELLS FARGO BY RUNNING UP THE CREDIT LINE AND THEN HAVING ALL THE MAIL RETURNED ONCE THE CREDIT LINE WAS MAX OUT. THE BANK REP, DID NOT SEEM A BIT ALARMED NOR DO SOME AT WELKS FARGO, SUPERVISORS WHO WILL NOT FWD THIS TO THE FRAUD DIV FOR SOME STRANGE REASON. THE BANK IN QUESTION, WHEN TOLD OF THIS AND INFORMED THAT THE FBI WOULD B3 NOTIFIED BECAUSE OF PREVIOUS DOJ CASES IN WHICH THEY WERE FOUND GUILTY OF IN THIS EXACT AREA. HE HUNG UP AND NOW NO ONE AT THIS BRANCH ARE ANSWERING PHOMES
Consumer complaint received 2022-08-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

Dear Sir/Madam, Hereby we ask to effect payments mentioned below and send funds to the beneficiaries or return these transfers to our account. 

XXXX XXXX has made transfers : - XXXX XXXX USD to XXXX XXXX XXXX on XX/XX/2022, - XXXX XXXX USD to XXXX XXXX XXXX on XX/XX/2022, - XXXX XXXX USD to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 from our account in XXXX XXXX. 

At the moment the beneficiaries didnt receive these transfers, also XXXX XXXX didnt receive these transfers back to the account.
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NM)

Repeated telephone calls from Transworld regarding an alleged medical debt that I never had notice if and told them did not think it was mine. When they asked for personal information, I told them that I was concerned the call was a scam. The woman said she would note that I refused to provide information. They would not verify any details about the debt even after I provided them with my full name
Consumer complaint received 2022-10-05
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)

XXXX XXXX  XXXX account # ( XXXX ) has violated my rights under FDCPA 15 U.S.C 1692g 809 ( a ) by failing to sending me, the consumer, notice of debt within 5 days of initial contact. 

XXXX XXXX XXXX  ( XXXX ) has further violated my rights under FDCPA 15 U.S.C 1692e 807 ( 8 ) by failing to communicate that the debt was disputed. 

Equifax has also violated my rights under FCRA 15 U.S.C 1681s-2 623 ( a ) ( 3 ) by failing to provide notice of dispute after closing my dispute and after 30 days required by the FCRA. 

I will attach documents that provide proof of these violations. Documents will include the day this account was disputed, the date the dispute was closed, and a credit report 30 days after dispute was submitted. I demand that both companies permanently remove this account from my credit report.
Consumer complaint received 2018-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CO)

Our loan is through Loan Depot 's XXXX Branch and started end of XX/XX/2018. I attempted to pay my first payment on roughly XX/XX/XXXX by check as directed, however the check had not cleared by XX/XX/XXXX. I worked with Loan Depot and they had no idea why it hadn't cleared and then attempted to make a payment over the phone, however i could not make the payment over the phone. After spending more time running around with them, they finally figured out they had changed my loan number and that is why i couldn't pay my mortgage. I then called in to pay my mortgage on XX/XX/XXXX, they then cashed the check i sent 4 weeks prior on XX/XX/XXXX. I contacted them and said this XXXX, you took two payments, you owe me 1 payment back. They called me on XX/XX/XXXX the day my second payment was due to tell me they had sent me a check for the mortgage payment they stole in XXXX. This check was lost and i requested a new check on XX/XX/XXXX. I have been contacting Loan Depot for the past 3 weeks now about the replacement check and no one can tell me anything. This company has stolen roughly {$2600.00} from me and is unable to provide me the funds they stole back. I've wasted weeks now trying to get my money back but am getting no where. I need help getting what is rightfully mine from this company.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I called my bank ( TD-Bank ) and notified three charges on my account where not authorized for XXXX. A complaint was made and denied by XXXX XXXX XXXX. They contend they have done business with me in the past and these are correct charges. The Bank Manager recommended to have frozen my account for my business to stop automatic withdrawals form XXXX XXXX XXXX. There have been 5 attempts to date to debit my account for a total of XXXX. I have contacted XXXX XXXX their case # is XXXX to resolve this issue. I have never done business with this company. All of our purchase for fuel is by credit card only.
Consumer complaint received 2022-10-24
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: Self Financial Inc. (FL)

I have several late payments on my credit report. 

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-24
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I have tried numerous of time trying to get XXXX, XXXX and Equifax to remove incorrect Bankruptcy information off my credit report. I have contacted the US bankruptcy court and XXXX XXXX and both stated they do not provide public information. XXXX XXXX has removed the incorrect entry from my XXXX  XXXX  report. I am attaching all the notices sent to the credit reporting agencies. Each agency states that they verified the bankruptcy with XXXX XXXX but XXXX XXXX states that they cant verify the bankruptcy and removed it from there file. Can you please help with getting this remove from my report.
Consumer complaint received 2018-08-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (AZ)

As of XX/XX/2017 Property was sold at Auction ( on courthouse steps, as is practice in Missouri ). 
Current notices from the " Ditech Financial LLC '' that liquidated that asset, still billing for over {$8000.00} This company " Ditech Financial LLC '' sent notices to the persons that were making payments on my behalf. And demanded that they move out. The company also was telling them that their payments were not enough and were increasing the monthly payment. 
XXXX had been the Lien/ Mortgage holder when I made arrangement with renter/tenant, it was later that " Ditech Financial LLC '' purchased the Note from XXXX XXXX they did not modify the agreement. 
I had a arrangement for my renter/tenant to make payments with a written agreement to transfer the property to them after the loan was paid off. This is called a " Contract for Deed '' in some states.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (MO)

I called Experian at XXXX XXXX  on XX/XX/XXXX, I informed them on some hard inquiries that I wanted removed and they said they don't have the power to remove them US SM BUS ADMN ODA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  I also called these companies to dispute these hard inquiries as well.
Consumer complaint received 2022-05-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Park Hill Holdings (NY)

Good Evening I need help please. My husband and I have good standing credit score over XXXX and good income. It has been brought to my attention that old records are still listed on the Tenant Screening Reports. These court filing are over 15 years ago, mostly over 20 years OLD. These cases are past 7 years and it is my understanding it has become obsolete under federal law. I am being discriminated in getting accepted in any apartments i apply for. These records are not listed on my credit report. I plan to go to the civil court in two weeks to have my files closed. However, that will not resolved what has been already provided to the Tenant Screening Agencies. 

These records needs to be expunged from ALL Tenant Screening Agencies database How do i clear my name up from all Tenant Screening Agencies?
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX OR XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX Original Creditor : 5 XXXX XXXX XXXX  To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from a total of ( 1 ) XXXX XXXXXXXX Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, except XXXX but also shows a past due balance of [ 1 {$150.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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: U.S. BANCORP (TN)

Inquiry details XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank XXXX XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX US BANK ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX I did not Authorized of those hard inquiry. please Remove. I Appreciate your time.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please remove all inquiries from my report excluding a XXXX credit card. In the attached file is a police report, FTC identity report, and XXXX confirmation of data breaches and dark web personal information breaches.
Consumer complaint received 2022-10-24
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: Experian Information Solutions Inc. (FL)

I have been disputing the inquiries on my report but unfortunately, the company hasn't taken action about it or ignored the dispute, The first time was on XX/XX/2022 so this is my second time and I filed a complaint to FTC about these errors to prove that these are things that I have no knowledge of. These inquiries are being investigated by FTC so these inquiries must be deleted until their investigation is done.
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EOS Holdings, Inc. (NJ)

EOS CCA According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EOS CCA they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a XXXX XXXX  unfortunately they have not done so. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demanded to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) if they have it on file for the alleged account. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, they must remove the accounts and stop reporting them immediately.
Consumer complaint received 2022-04-25
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it may concern ; XX/XX/2022 TransUnion, XXXX, XXXX : Furnished knowingly fraudulent information on behalf XXXX XXXX XXXX of a balance of {$190.00}, such as late payments, is a violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be find under title 18 or Imprisoned for up to 5 years, or both. 

Please delete this account immediately. After you have finished my request please send me a copy of my credit report reflecting these new changes.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform that there is no third party involved in the process. Regardless of the written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$820.00}
Consumer complaint received 2022-08-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

After misplacing my original credit card that I had not used in a long time, USAA insisted that I be issued a new credit card and number. This account number is listed in the USAA Consumer Report Dispute form that is attached to this complaint. They also required that I make a purchase with the card to 'activate ' it. I did have a single transaction and then waited for a bill. Because of some internal error on their part, I never received a bill in a timely fashion. When perhaps a month had gone by without any bill, I called them and asked where it was. They had not sent it because they said the old credit card had been deactivated, that a bill had not been generated properly, and there was some internal mix up. When they finally sent the bill and I paid it in full, it was recorded as late and reported to all the credit agencies. This resulted in my credit score dropping by about 60 points and damaging my credit for borrowing funds for clean energy improvements for my home including solar. I filed a complaint with USAA with their Consumer Report Dispute Form. I explained the issue and they have refused to correct their report to the credit agencies including XXXX, XXXX, XXXX and XXXX. Other than this problem, I have no credit card issues, have always paid my bills promptly etc. This was USAA 's error that I should not be penalize for. I have gone through their system and have not received a satisfactory resolution. I am a XXXX XXXX and I need your help!