davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MD)

My father who was XXXX XXXX veteran owned a home and passed away 2016 several years ago pre pandemic. I was able to maintain his property until the pandemic. I temporarily lost income due to the pandemic. I was able to resume payments after missing 12 payments. Ive been making my monthly payments ever since. I have been in contact with several representatives staying in contact ensuring Im doing everything in my power to retain my fathers home. Ive had rude representatives who talked over me when Im explaining my situation. They acted as if Ive done something personally to them. They stated I was eligible for a loan modification. For the last two years they have bending me over backwards asking for several documents in which I have provided them all. From death certificates to filling out several paperwork such as online applications. However, they required additional information and that we get the home in our names. Ive done everything they asked me to do and more. The most recent incident they stated they would bring the loan up to good standings if I was able to secured notarized signed documents from me and my siblings by a certain date. They stated we must all sign on the same date at the same time. I advised this was not feasible since we all live in different states. Flagstar advised this is the final document that is needed to bring the loan up to date and stated to just get the necessary documents back to them and they would take care of the loan. I told them I could do this because my siblings birthday was in XXXX and I planned on visiting which I can get everything done. They stated this is the last and final document that is needed before they bring the loan current. Flagstar records all conversations so Im telling the truth. I submitted the notarized documents they asked for in XXXX by the date they requested. I was told thats all I need to do. I called to check the status and was told my loan modification was denied due to having enough income. Tell me how does that make sense. Im XXXX at Flagstar for doing this to me. Ive written several letters and emails expressing my concerns. Im beyond fustrated to hear Flagstar is requesting I do something else. This has to stop at some point. They are literally lying to me. They keep asking for this and that and after two years I need someone to look into to see if this is practical. They are giving me fasle information making me jump through hoops because they can. I understand Im at the mercy of Flagstar and we all have been through a lot but when you have someone who is trying to get back on track it can be a bit daunting. Ive done my part and now someone need to hold Flagstar accountable and bring the loan up to date. Please help!
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (MD)

A cash advance payment sent to a colleague was mistaken for a dispute as it had no label and did not show recipient on statement. I canceled the dispute, but they charged the recipient a month later anyway a processing fee of {$15.00}. The email sent to the recipient contained my full name, account number, transaction fee, and transaction number. This was in direct violation of my privacy. Had the recipient been indeed acting fraudulently my personal info wouldve been in jeopardy. They are not addressing this issue, I continue to get transferred or disconnected.
Consumer complaint received 2022-11-29
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)

I submitted a letter to the 3 Credit Bureaus to delete this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
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. (MA)

I am writing you to help me with 2 JPMCB credit cards debt incorrectly reported in my personal credit bureaus files than corporation. The credit cards were issued to corporations, and I didnt sign any personal indemnification for them, and its still show up in my personal credit bureau reports. The cards were issued to XXXX XXXX XXXX and XXXX XXXX XXXX by Chase Bank. The directors used them strictly for business purchases. During the Covid-19 pandemic, the businesses went down and were not able to pay the creditors. The debt is still showing outstanding in my personal bureau file. I dispute it twice with 3 credit bureaus, but the Chase Bank refused to remove them, that wrongly reported. I ask under Fair Credit Reporting Act that the debt can be reported and moved to the corporations bureaus files from my personal. Once this happens, I would be able to settle for monthly payment with chase bank until paid off. This corporate debt is reporting in my personal credit reporting that prevent me from getting a career with XXXX XXXX and other careers that I pursue for living and debt payments.
Consumer complaint received 2022-11-29
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: Synovus Bank (TX)

In accordance with the federal reporting credit act. This creditor has violated my rights. Under 15usc,1681 section 602 states I have the right to privacy, also 15usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b, a creditor can not treat payment on a credit card under an open and consumer credit plan as late for any purpose. The creditor XXXX has done this to me.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank (IL)

I opened a bank account with this bank as well as a personal loan for XXXX. My first payment was end of XXXX in which I made this payment. When I attempted to make my second payment at the end of XXXX I was blocked by the banks portal ( error code on picture attached ) The only way to make a payment on the loan is to pay from the bank account and transfer to the loan. I was shown how to do this by the banks customer service team. 

After receiving an error multiple times I reached out to the bank. They informed me the system may just be down and try again tomorrow. The problem continued and I began calling the customer service center trying to figure out a solution. It wasnt until around XX/XX/XXXX that I reached supervisors who informed me my checking account has been under review and suspended since XX/XX/XXXX. I can not transfer money to the loan from the account. When I asked for a solution I was told there is no way except to talk to the specific branch. The branch I received this loan from closed and moved down the street. They also let go of the loan officer ( which they told me to contact ) so they say I dont have one now I have to deal with that specific branch. 

They then reported to all credit bureaus that I have two late payments and have refused to pay even though Ive tried to pay the entire time. I have to now buy a plane ticket down to Florida just to go to this specific branch to authenticate so they will release my funds and ALLOW me to pay on the loan. 

This biggest problem is the fact they have reported 2 late payments and a third is a big deal. I am a struggling small business owner and this bank has lowered my credit score 70-90 points with this crazy process. 

They are also in violation of pursuant 15 USC 1681-2 because they never informed me my account was blocked, they know Im attempting to pay and they arent giving me information as to why I cant transfer money from the account to the loan. The history of the loan also doesnt financially make since. If you look at where the loan started and what I payed with the fees they added ( wrongfully ) the math doesnt add up. They have added other fees and not added them to the account. ( Shown in picture of loan history ) This situation is ridiculous, a customer should not have to fly to a different state to solve an error that is only in the banks hands and my credit shouldnt be destroyed because of their error and lack of organization. My next step will be legal if this isnt handled. 


The bank also broke 15 U.S. code 1666b- timing of payments. I was never informed my account was locked.I was never given any information that I wouldnt be able to pay my loan. It wasn't until calling 30+ times one person happened to mention the account was under investigation and i learned this XX/XX/XXXX. Whats even worst is the account doesnt say anything is wrong on the portal, just saids open. 

The specific branch is XXXX XXXX XXXX XXXX Florida XXXX. 

General manager at this branch I spoke with is XXXX.
Consumer complaint received 2022-11-29
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. (NY)

I wanted to apply for credit and I was denied. They told me that there was some collections on my account so I went to check my credit and dowloaded my report. I saw some fraudulent accounts on my credit profile and found out that I was a victim of identity theft. I have been trying to contact these companies and the 3 bureaus XXXX, XXXX and Equifax and they have not removed the accounts. Today I have filed a identity theft report with the etc and I will be attaching the report to this online claimXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX need to be deleted immediately.
Consumer complaint received 2022-06-27
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. (MD)

XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax
Consumer complaint received 2022-09-20
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. (FL)

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 XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-20
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: Exeter Finance, LLC. (LA)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has vbiolated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 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 2022-09-20
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed under 15 USC 1681. And they violated my rights several times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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
Consumer complaint received 2022-04-24
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: EQUIFAX, INC. (OH)

My name is : XXXX XXXX DOB : XX/XX/1970 SS # : XXXX My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My current telephone number is : XXXX After reviewing my credit report and discovered is still reporting accounts that do not belong to me. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure the maximum possible accuracy of the information on my credit report. So, I am requesting you verify the items I am disputing to a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute and obtain either verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously filed an FTC report and a police report.
Consumer complaint received 2022-09-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (OK)

There are what I believe to be numerous violation of the Fair Debt Collections act by this agency. I do indeed have a valid debit with XXXX XXXX XXXX XXXX XXXX XXXX for an ER visit my child needed in late XXXX. After my insurance, I still owed close to {$3000.00} and set up a payment plan with the hospital. Thru the hospital, I continue to make monthly payments and it shows my balance. About 7 months ago I began getting phone calls from " Harris and Harris ''. They do not identify themselves as a debt collector or trying to collect a debt. Just a general message to call their office. About 4 months ago I was able to connect the dots after getting a letter about the debt. I rote them that it was not valid and I was paying the hospital as agreed and to stop calling. They did briefly. I did get a single call to my work phone ( which is accessible and can be heard by others ) where they did identify as a collector. I have not had that message since. Things stopped after I complained directly to XXXX XXXX 's but not long ago it started up and I began recording ( note and audio recordings ) of the messages I get. The timeline on those are as follows and each recording simply states : " This XXXX XXXX calling from Harris and Harris limited, please contact me or any of our representatives at XXXX '' and the recording ends, each time. Since I started tracking this, calls have occurred on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, I grew tired of their tactics and send a formal letter certified mail that was received and signed for by their office in XXXX. USPS Tracking # XXXX. In the letter I again explain, dispute, and ask they cease contacting me via phone and to only communicate in writing, I have not received a single written communication but 4 calls now since. 

I know there are wose debt collectors out there, but you'd think any reputiable collector would understand the basics of the law and at least identify themselves in their calls as a collector, which they dont, and supports they're anything but credible and why it seems they are collecting on a bogus account/debt. 

Please help me make this end. Copies of the letter to this company and the recordings of the calls can be provided. 

Thank you,
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022 an ATM/Withdraw was done suing my debit card for a total amount of {$1000.00} by an unknown individual. i called WellsFargo advised them it was not me and they canceled the card and shipped out a new one. after i received a letter in the mail stating in they had denied my claim i filed a police report, i was contacted by the detective who showed me the ATM video shots and clearly it's not me but the bank refuses to release the video or refund my money back. 

XXXX Police Dept Police Report # XXXX Detective XXXX  Pnone # XXXX
Consumer complaint received 2022-07-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-11-29
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2022-06-07
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: WELLS FARGO & COMPANY (NY)

In accordance with the Fair Credit Reporting act 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.

15 U.S.C 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.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2022-04-24
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: 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 XXXXXXXX Account # XXXX, has violated my rights. 
-XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
-XXXX XXXX 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