davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Self Financial Inc. (CA)

I have fallen victim of identity theft as a result of the XX/XX/XXXX XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX. Opened account on XX/XX/XXXX.
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (MI)

I sent 2 separate letters on XX/XX/2021 and XX/XX/2021 to MRS BPO LLC to validate an account that they alleged that I owe. There was no response. As a consumer I have the right to request verification/validation of account and this company is violating my rights This company is reporting a XXXX XXXX account that is not valid. Theres a lot of information that is reporting inaccurately on all 3 credit bureaus. This is a violation under the FCRA.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (WA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-03-25
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. (TX)

My issues is with XXXX XXXX, Equifax, XXXX and XXXX. I have an acct from XXXX that was charged off that still shows late payments. It is reflecting that the account has been charged off twice. There are multiple inaccuracies that they continue report. My credit report does not reflect any notice of the multiple disputes that I initiated. The bureaus are not reflecting the correct date of last payment and last activity. All of the 3 bureaus are saying that they verified the information but all 3 bureaus are reporting different info. There is no original amount on some of the bureaus and there is no high balance. Failing to update means the account was never investigated. If it was investigated the status updated should be current. They have a lack of limit and Equifax is showing that the account is open with Current payments after being charged off. 
XXXX I requested that Equifax XXXX XXXX and XXXX remove the XXXX account. I have even sent multiple letters to XXXX requesting that the debt be deleted due to inaccurate information listed on my credit report, Equifax has no credit limit or high credit amount. I have continued to reach out to the bureaus, the creditors and the collection agency. I have had no relief and had to suffer exorbitant interest rates, denial of employment, government benefits and even housing.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (AZ)

In XX/XX/XXXX I pulled my credit report from XXXX and noticed an account listed as " Joint Account '' for SYNCB/CARE CREDIT. I have never been had a Joint Account with anyone other than my husband. I called and found out that this account is for Dental or Medical, I have always had full Medical and Dental Insurance through my husband 's employer, XXXX and would not need to have an account with Care Credit. My husband passed away in XXXX so I have no way of asking him if he knew anything about this account. I wrote to XXXX asking them to investigate this account because I am sure I never opened the account. Received the XXXX response to my request which was, " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' The report showed who the account holder is and I do know the person but I never opened the account as a joint holder with this person who used to work for us on and off and she moved out of state. This account was opened fraudently without my knowledge. The account holder could cause my perfect credit score to downfall or could open other accounts with my information since she apparently had access to it at one time.
Consumer complaint received 2022-10-04
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)

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 FXXXX 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  UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-02-14
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. (MO)

I went to a car dealership and applied for a car. I was told my credit was only being pulled by one dealership. However, there are 13 inquiries I do not recognize and I did not give permission to any of these companies to pull my consumer report. There are also credit card inquiries I do not recognize because I never applied to any of the companies listed below. According to the Fair Credit Reporting Act, hard inquiries that were pulled without my request MUST be removed from my consumer report. Please have these unauthorized inquiries removed immediately, as it is harming my ability to obtain new credit. I would appreciate a copy of my consumer report once this issue is resolved. 

Unauthorized Inquiries : 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 2019-05-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (NC)

I was charged a property tax for XXXX county when I have never been a resident of XXXX county. The lease holder ( US Bank ) assed it to my account. I have been trying for months to request a copy of the tax bill showing my name as the tax due by me to which I have had no success. I have reached out to every department, I have made every call, submitted in writing all the requests ; all to no avail. I am worried about this impacting my credit. I have reached out to XXXX county for help and they helped me as much as they could. I have been stonewalled by US Bank. Even then supervisor at Personal Property and business license division at the XXXX county department of Tax administration suggested I seek legal counsel in order to get a copy of this bill. A bill that was assessed to my account that is not my charge.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I have freezes on all my credit reports. While attempting to purchase a vehicle yesterday, I called Equifax and spoke with an agent to get a temporary lift of the freeze. I spent 20 minutes on the phone with the man. He kept asking the same question 7 or 8 times about credit cards. I gave him the required information on the current cards but he kept asking about old cards, maybe 10 or 15 years old. How am I supposed to answer questions that long ago? I provided all the details about current cards, yet he insisted he could not verify my identity. He did not ask for past employers, past addresses or any other type of information that would have been relevant. Because I did not remember a store credit card from 15 years ago, he did not onlock my credit. This is MY credit information, yet I was denied access to it. Even the car dealer says they don't like dealing with Equifax. I was able to finally get it unlocked through the online website. XXXX  was quite easy to get unlocked. It is really a poor decision for banks to rely so much on Equifax.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

I have a credit account with Paypal which uses Synchrony bank, they offer promotions such as six months with zero interest or zero interest with twelve easy payments. The problem is when I added auto pay I divided my balance by the number of promotional months and it would insure I would pay it off on time. When there is more than one promotion their computer allocates the payment not the consumer/me.

When I attempted to make extra payments I could not specify the allocation of where  the payment would be applied. I called and complained and they told me I would have to call them next time and make a payment to control where the payment would be allocated. I tried that and the payment still was not applied where I wanted it. I also had made a purchase for 12 easy payments, every month the auto payment was taking two payments and not one and putting less on the balance that needed it most. I have been struggling with synchrony bank for three months now, each month I get frustrated and have to call several time in an attempt to correct the payment allocation only for the payment to get messed up again the very next month. The last time I got so frustrated that I called and attempted to pay off the balance, I stated that I only wanted to pay off the six month balance at least six times and it did not pay off the balance because it applied 1 extra payment to the 12 month payment loan, the 12 easy payments keeps taking additional payments from every payment, this seems illegal. Where are my rights as a consumer?

This seems unethical that the bank or its computer makes my decision for me and takes away my autonomy. It also feels like synchrony bank intentionally sets people/me up to fail so Synchrony can go back to the original purchase date and charge customers/me outrageous interest rates. I know if synchrony bank is doing this to me they are also doing it to many under served people. The only solutions I can think of is to never have more than one purchase/promotion at a time or cancel the credit line altogether. 

Synchrony bank claims they are working on changing the computers algorithms and interface to offer the consumer control of their payment allocation rather than the computer deciding for you which currently works in the the banks best interest not the consumers. The customer service agent I spoke with stated that these kinds of things take a very long time to correct, hopefully enough people complain and give pushback to help them change it faster.
Consumer complaint received 2023-02-14
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2021-08-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like im being taken for a ride and my disputes are being ignored. Section 611 ( a ). it is clearly stated that failure to investigate these items within 30 days gives a reason to have those items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the tension you caused me.
Consumer complaint received 2019-05-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C. (AZ)

Hello, I have been attempting to work with XXXX XXXX XXXX to resolve a collection issue I unfortunately have encountered. In attempting to resolve this after understanding the where the dept fell, I contacted XXXX to resolve the dept since in have not received any information via mail or phone. XXXX informed me that even though they still own the dept and they are showing up on my credit report that they have turned the dept over to a law firm. The law firm that it has been turned over to is Gurstele Law firm in XXXX AZ. I was able to attain the phone number of the law firm after XXXX told me they would not be able handle taking care of the dept even though it still under their name on the credit report. 

I have attempted to call Gurstele over the past 3 weeks to see about resolving this issue and have received a voice mail in which I have left a messages with my number to call me back. I have never received a call back from this firm nor have received any correspondence via mail, email, or any contact. That said, I called XXXX back and spoke to their legal department on XX/XX/XXXX explaining the difficulty in working with the agent they have designated to help resolve credit issues. They were responsive mentioning that they would contact a manager or attorney at Gurstele to contact me so we can attempt resolution. No response from Gurstele on XX/XX/XXXX so I called XXXX back at XXXX on XX/XX/XXXX to speak to the legal department again to get a name of a the manager at Gurstele and I would be happy to contact them directly. I was directed to a XXXX who is supposedly a Sr. Manager there and I called direct to him where I received his voicmail at XXXX XXXX  to tell me his voice mail was full so I was not able to leave a message to get a call back. 

My compliant is this ... .I have demanded to get validation of this dept and come up with a solution to resolve this dept. I have NEVER had any validation nor ANY possibilities presented to me to resolve this until I found this on my credit report when looking into something needed in my life ... ..How is this possible? I have not received a phone call nor any correspondence. This is seemingly is a pattern that there is a extreme lack of communication by both of these companies that would allow for a consumer to resolve their issue as unfortunate at is may be. I ask for action to resolve this. 

Thank you for your consideration as a consumer to get through this! 

XXXX XXXX
Consumer complaint received 2019-05-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Skopos Financial, LLC (TX)

I XXXX XXXX XXXX state that I have no knowledge of or admit to ownership of any account with Skopos. I do not believe that this account is mine and believe that it is being reported inaccurately on my credit reports. I have never been presented with any documentation showing ownership of this account nor was I ever given notice that it was going on my credit and would be damaging to it. Nor was I given notice that I had a 30 day window to dispute this account in the beginning. Nor any documentation on instructions for redeeming the vehicle. Furthermore the account is full of inaccuracies reporting to my bureaus. The account claims to be " open ''. But this vehicle has been repossessed and sold at auction since mid XXXX, yet it is still reporting negatively on my bureau reports monthly. 
Also it says last payment date on XXXX of XXXX, XXXX XXXX. How can that be when the vehicle was repossessed in mid XXXX? 
Thirdly it shows as a joint account. With who? That is wrong. I have never had a joint account with anyone. 
Fourthly ... XXXX reports the account as being " open '' with {$0.00} total balance and {$0.00} past due. 
But XXXX has the account as " open '' with a {$6800.00} total balance and {$3900.00} past due. How can the same account be showing different information and amounts? 
This shows that this account may be possible ID Theft or fraud. 
So why is it remaining on my credit reports to this date. I've attached in this complaint a copy of my XXXX & XXXX  credit reports showing false information. And a copy of the cease and desist letter sent to the company directly.
Consumer complaint received 2021-08-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken for a ride and my disputes are being ignored. Section 611 ( a ). it is clearly stated that failure to investigate these items within 30 days gives a reason to have those items immediately removed from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the tension you caused me.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/XXXX there was a fraudulent debit card transaction on my account for {$140.00}. I notified Chase the day it occurred, XX/XX/XXXX. Chase has refused to reimburse my account in any amount for this fraudulent transaction, in violation of federal law. 

I reported this previously. Chase responded on XX/XX/XXXX. In their response letter, Chase falsely stated that I used by debit card after it was reported stolen. What actually happened was that I had previously verified with Chase the last valid transaction for {$1.00} at a gas station, on XX/XX/XXXX before the fraudulent transaction took place, and where I believe the theft of my card occurred. 

In the same letter, Chase advised me that I had the option to dispute this further. I was instructed to contact the executive office. When I called ( XXXX ), I was referred to someone named XXXX ( ext XXXX ) who was handling my case. I attempted to contact this person 3 times by phone, leaving voicemails with my information each time, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. None of my calls were returned.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (IL)

Had an atm error at a branch location when they were closed. {$1100.00} was not credited to my account, called corporate got nowhere ( ridiculous process ) eventually spoke with branch and even met with them days later. They could confirm I deposited said amount of cash but informed me there was nothing they could do other than issue me provisional credit in 10 business days which is insane. Finally I was told the branch manager was contacted and would likely be able to issue me immediate credit until the issue was resolved but it was never followed up on. Im now 5 days going on 6 with {$0.00} assistance, no actual timeline for reconciliation. First issue Ive ever had like this and an absolute failure on US Banks part from a customer service standpoint.
Consumer complaint received 2019-05-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I requested a payoff quote from Flagstar online and nowhere does it state that if you request a payoff that they will not pay your escrow account, They mail you the quote by USPS and the statement they said informs you that there will be a halt to the escrow and you show know to call them and tell them to continue your escrow payment. During this time where Flagstar halted my escrow my property tax became due and them paid late by Flagstar escrow department and the late fees was {$300.00} dollars that they charged to my escrow account. The servicer is required to pay my escrow account on time so that I the consumer is not levied late fee. I feel that Flagstar should refund me the {$300.00} dollars that I was fined because they paid my property taxes late when the funds were available in my escrow account. I simply requested a payoff and this in no way should freeze my escrow account. This is an overreach by Flagstar.
Consumer complaint received 2021-03-24
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: EQUIFAX, INC. (PA)

I had a second SS number show up on my only on Equifax account along with addresses from another state and two no payed bills that lowered my credit score by XXXX points I complained twice with Equifax and they got rid of the alternate SS # and wrong addresses but said the bills were correct. I called both companies that had the bill and they had no clue about the bill. I'm guessing Equifax is getting paid by bill collectors to post on accounts.
Consumer complaint received 2019-05-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (CT)

The company Navient has been trying to make me pay XXXX dollars for a student loan that I already paid in full for sallie Mae in 2012. They wont stop sending me bills even though I tried to tell them the debt was already paid.