davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

SYNC/HOME DESIGN defaulted during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an XXXX XXXX including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my XXXX XXXX XXXX  will be documented and used as exhibits for knowingly and willfully violating federal law.
Consumer complaint received 2020-08-07
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: DISCOVER BANK (GA)

I have a loan with DISCOVERBANK, XXXX  CARD and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and ISCOVERBANK, XXXX CARD and XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-07
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: VW Credit, Inc (FL)

I am showing 5 late payments for volks wagon, I have asked for detailed report from volks wagon twice. I receive nothing it has been over 30 days that I ask for detailed information about these late payments. I was never late on my vw payments 5 late payments severely ruin my credit and it is extremely frustrating to get no response and when I do get a response VW gets nothing resolved. This is hurting my credit drastically. I ask for your help in this investigation and please help me to get these late payments deleted as they have been falsely reported
Consumer complaint received 2019-09-01
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. (MI)

my credit card number was used to make purchases by someone I do not know. I contacted the credit card company to report the fraud situation. they closed the card and a new one was to be issued. I specifically asked if the new card would continue with the info from the original card ( years of ownership and number of months of good payments ) and I was told yes. 
the new card was issued and I made a charge and a payment. at first the credit bureau was showing the card as closed. now they are showing it as REMOVED. this dropped my score! I have sent numerous secured messages to the credit card company about both issues and also many phone calls. Now the credit bureau is showing an inquiry made by the credit card company. I DID NOT authorize the hard inquiry. I contacted the credit card company again about this. nothing has been done except for getting robo emails from the credit card company.! want the hard inquiry removed and a written letter confirming this has been done. Since I have a fraud alert in place with all 3 bureaus I have no idea how the credit card company was able to do this. I want their fraud alert access procedure investigated.2. I want the replacement card to show the 49+months of excellent payment history and the correct payment amounts on my credit report .3. I want the credit card that was removed from from my credit report to be reinstated on my report with the accurate info ( see number 1 ) this has been going on for several months and has been very time consuming on my part.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DC)

Over the last few years Navient has added tens of thousands of dollars in fees to my student loan and repeatedly refuse to provide me with an accounting of said fees. As well, they recently erroneously reported to the credit bureaus that I ADDED to the balance of the loan despite the fact that I have not missed a payment and that it is currently deferred until XX/XX/XXXX. They refuse to discuss my balance or the fees and refuse to prove to me where they came from. In addition they have refused to work with me at all on the balance or extra fees even going as far as to refuse a larger monthly payment at one point saying that the loan had to be repaid by the schedule agreed upon. They have no proof I agreed to that.
Consumer complaint received 2020-08-07
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: EQUIFAX, INC. (NC)

Mortgage was transferred from XXXX, Account # XXXX opened XX/XX/XXXX. New Account # XXXX Not appearing on my personal credit reports. As of XX/XX/XXXX
Consumer complaint received 2018-11-07
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. (SC)

I have been a victim of identity theft and for that reason I placed a fraud alert on my credit report with all 3 bureaus while I fix inaccuracies and unauthorized accounts and inquiries. I was able to get most information removed thru written disputes, which I notarized and sent certified mail to each collection agency and then to each bureau. XXXX, Equifax and XXXX. I was successfully able to remove information from XXXX and XXXX. However, Equifax and the collection agency XXXX XXXX has given me a very hard time. I sent a certified letter to XXXX XXXX asking them to validate a medical collection, that I have no knowledge of. They NEVER responsded to my letter. According to my return receipt, it was signed for by XXXX XXXX on XX/XX/18. I then sent disputes of these medical collections to Equifax. My first letter was received and signed for on XX/XX/XXXX. I'm not able to make out the name from the signature. They sent me dispute results dated XXXX stating the the accounts had been " verified ''. I immediately sent them another dispute requesting proof of how this debt was verified or any type of supporting documentation since the creditor refuses to furnish any documents. My second dispute was received by Equifax on XX/XX/XXXX and on XX/XX/XXXX they sent me an email stating my reinvestigation had been started. As of today, XX/XX/18 Equifax has again stated that these accounts have been " verified '' but have not done ANY investigation or provided proof of how this account was verified to be mine. I have no knowledge of this debt and I am concerned that this may be a service that was obtained fraudulently with my information. I demand that these account be verified by either Equifax or the original creditor and if they can not be, then i demand they be deleted as they are affecting my creditworthiness.
Consumer complaint received 2022-08-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX FL XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Creditor : 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 2023-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo opened an account in my name in XXXX. This was during a period when I was purchasing a property and subsequently the mortgage company I was working with withdrew the loan. I have to apply for a riskier loan in order to avoid losing the property. The difference in cost between the interest payments is significant and I would like to pursue damages. Please advise.
Consumer complaint received 2023-01-20
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-08-07
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. (AZ)

XXXX In XX/XX/2020 XXXX offered Covid payment deferment, however, failed to mention it could take 45 days and they would report you to the credit companies for late payment if any payments we paid late even with APPROVAL of deferment. Our account was current, filed for deferment, we were told it was placed on our account as approved, and then next month was informed on our credit monitoring that the payments went in our credit as LATE PAYMENT, hurting our credit scores tremendously. 
Since then I have written two letters to the resolution department for XXXX, I have been informed there is apparently no other way to contact them, no phone number just a PO BOX . And have yet to get this situation resolved. 
Not only do they have a terrible customer service layout for settling this type of issue but the representatives do not give full or accurate information on your account or details on what their " programs '' entail. 
This remark on our credit is inaccurate and should be removed immediately.
Consumer complaint received 2022-08-02
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: SYNCHRONY FINANCIAL (MI)

XX/XX/XXXX a credit card through Syncrony was fraudulently opened in my name. On XX/XX/XXXX it showed on my credit report that approximately {$2500.00} was charged on the card which has a {$5000.00} limit.
Consumer complaint received 2019-09-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NV)

Hi my name is XXXX XXXX XXXX I bank with Chase bank and I been XXXX   by this bank a few years ago while I was XXXX  XXXX I have since XX/XX/19 had a miracle and one XXXX  is almost at a XX/XX/XXXX thanks to the most high and Dr. XXXX XXXX. I had made some check deposits in the past and on XXXX XX/XX/2019 I noticed I was charged all sorts of fees on 11 checks they claim I deposited on XX/XX/19 and they all bounced. As i mention in the last year i did deposit those checks and they would have been the only ones with control and copies. Now .y account ending in XXXX is totally XXXX  up and they refuse to refund my money they returned 3 {$12.00} charges but I still have half of dozen {$12.00} & {$30.00} charges they refuse to take care of Today XX/XX/2019 instead of  celebrating my other halfs birthday I am stuck on the phone with department after department and as I mentioned before I went down this same road before and Chase ultimately just ignored me last time and kept all those fees it is a common practice by them and I am asking for you the proper governing agency to apply the law and investigate I have other XXXX people who bank with this bank and have had similar issues Please help and thank you in advance and I see {$240.00} missing from my linked checking account as a withdraw that I never made so now I am extremely concerned.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have written and faxed over documentation to the major three credit bureaus regarding addresses on my report that are incorrect, and the information was not removed as I requested. I have been at my current address for over 10 years. Please contact the bureaus about this request. The bureaus are supposed to report accurate information and in this case they are not. 

Thank You
Consumer complaint received 2022-08-02
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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, Equifax XXXX XXXX XXXX XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX believe it was reporting in error.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (OH)

I am writing to request the removal of a charge off from my credit report, as it is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, this charge off is in violation of section 623 ( a ) ( 2 ) and 623 ( a ) ( 3 ) of the FCRA, which require that credit reporting agencies accurately report credit information and investigate disputes. 

I am still receiving notifications of the card being charged, which further demonstrates the inaccuracy of this charge off.
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Escrow Inquiry My new escrow payment is {$960.00}, however, my total for taxes and insurance is {$7600.00} and spread over the year for monthly payment is {$630.00}. This is a {$320.00} difference and over a year it is {$3900.00} extra in funds. Where are the extra funds allocated? I need an accounting of the extra funds allocation. I have asked repeatedly for an accounting for the extra funds paid with no response. Also, the mortgage company overpaid the property tax. See the attached documents for the payout amounts and the property tax statements.
Consumer complaint received 2020-08-06
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Those accounts are listed in the attachment below resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
Consumer complaint received 2022-08-02
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. (TX)

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A .Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1692 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

According to the provision of the Fair Credit Reporting Act 61 1 ( a ) [ 15 USC 1681i ( a ) ], these items must be deleted from my credit report within 30 days. In the interim, if it is determined through your investigation that the disputed item is inaccurate, please remove from my credit report and send me notification that the XXXX XXXX  Potentially negative information has been updated and removed
Consumer complaint received 2020-08-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nemovi Law Group (CA)

I spoke with XXXX XXXX office and they told me to contact you. ASAP I'm currently update to date on 1st Mortgage payment.. THIS IS ONLY ON THE 2ND MORTGAGE PAYMENT On the 2nd Mortgage payment this place is : NEMOVI LAW GROUP @ XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX PH XXXX KEEP harnessing me!!! They keep CALLING ME AND SENDING THREATEN LETTER THAT THEY WILL TAKE MY HOUSE, im a senior and XXXX years old, and my health is not good. There TRYING to FORECLOSURE ON ME. I NEED YOUR HELP IN THIS MATTER. I DID try to pay them but in XX/XX/XXXX everything went upside, and my wife had XXXX this is the XXXX Mortgage fell behind and I did make a few payment. Now today I received a letter date XX/XX/XXXX, they are threaten ne m since this Conv-19 have been going on, my funds are really low and very hard for me, I'm now XXXX years l old and on a fix income of {$900.00}. I'm asking if you can contact the place that took over for XXXX XXXX and have them to write it off and STOP with all the threaten letter and calls. Possible able to W/O to excuse this loan was back in XXXX XXXX XXXX had it back XX/XX/XXXX-XX/XX/XXXX, they closed down and the company is NO LONGER in business and XXXX XXXX XXXX took over the 1st mortgage, but they did NOT take the 2nd Mortgage. Thank you so much look forward to hearing from you soon XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2020-08-07
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. (LA)

XXXX Account : XXXX Charged Off This account was charged off and then paid off and was in error with XXXX XXXX XXXX formally XXXX XXXX XXXX XXXX XXXX. I disputed it several times. Finally XXXX issued me a letter stating that the delinquent account should be removed for all 3 reporting agencies. XXXX removed it in 2 days, XXXX  removed in 3 days. However, Equifax did not remove it. I have disputed it and still no luck. I have sent the letter from XXXX to Equifax via fax and email and also XXXX representative Ms. XXXX XXXX stated that they sent the letter 3 weeks ago. Still no luck. Its amazing how little verification it takes to put a trade on your report but it takes an act of God to get it removed even if you have a letter from the company stated to remove it.
Consumer complaint received 2020-08-07
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. (GA)

There are several accounts reporting that does not belong to me : XXXX   - Date Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX  ) XXXX - Date Opened : XX/XX/XXXX ; Bal : XXXX ( XXXX & Equifax )
Consumer complaint received 2020-08-06
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. (IN)

On XXXX I checked my credit report and notice I had a inquiry on my credit report that I did not authorized or recognize. The inquiry was from a company name XXXX XXXX inquiry date was on XX/XX/2020 there address XXXX XXXX XXXX XXXX, MD XXXX Phone XXXX toll free XXXX. On XX/XX/2020 I contact Equifax to dispute the this inquiry and ask it to be removed off my credit report. Equifax stated they could not remove and to call XXXX XXXX. I call XXXX XXXX and XXXX XXXX told me to call Equifax.