davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-28
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: ALLY FINANCIAL INC. (FL)

I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (UT)

Had my account for a few years now and my account was great standing paid never late no issues plus I was receiving a lot of reward points all the sudden the company dropped my limit put my account overnight then closed it they said they pulled a credit report and lowered my account limit. First off they had no right or permission pulling credit this is illegal pulling reports without permission this all happened sudden XXXX I had over XXXX dollars in rewards and as they closed it I had over XXXX accrued for next year and now because they illegally forced my account closed I loose all that I 100 percent believe because of how it went and when I called them how they acted that they did this so they didn't have to keep paying out high reward points I know XXXX j had to pay over XXXX XXXX dollars for taking reward points from people and now this card company is doing to same thing with people that continuesly get high rewards this is fraud and highly illegal Citi card needs to be held liable and people have a right to know how they hurt people and break the law
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc. (FL)

My house was impacted by Hurricane Irma. There was damage to roof and interior. The lender, Seterus Inc reached out and offered disaster assistance in the form of a 6 month forebearance. Prior to  accepting the offer I asked several times about how this would impact my credit. I was told that nothing would be reported due to the disaster. During that time I attempted to refinance the property to pay for the repairs. I was unable to get a loan due to the lender not reporting. So I waited until the forebearance plan was to end. Before the end of the 6 month forebearance I contacted Seterus to inquire about the return to payments. I was told that I had options going forward. They told me that if I was to make 3 payments over the next few months that my loan would be adjusted. I made the payments but then Seterus reported me as late 150 days to credit burea. When I called and complained I was told that it would be labeled with a code that showed disaster Irma and this would not hurt credit. My credit score dropped over XXXX points. When I called back I was told that the reporting rules changes. They then allowed me to make 2 months payments ahead and brought my account current and adjusted the loan. However they again reported me as 150 days late. Today it shows as current but due to the negative marks I can not refi my house to make repairs.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$560.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (AL)

CFPB case XXXX Contacted XXXX XXXX XXXX prior using CFPB. I in turn got a responses from the group. They came to terms erasing my late payments and contacted me to make payments. No live communication was made, as they left a voicemail on my device while on XXXX. I am still on XXXX and gave my wife power of attorney. When contacted to try to get payment sorted out, they would not disclose information to her ; and I reached out to them, they had no idea of the repayment in their systems. We've left multiple calls to the woman who reached out to us, and have not received a live call back with information to pay. I have already been given a late payment message due to no payment. I would very much like to get synchrony bank out of my life.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NH)

I got an email in XXXX indicating a change on my credit report. When I logged into XXXX I had a {$10.00} collections charge from Apple  Pay. I opened my Apple Pay account and it displayed a {$0.00} balance. I called apple, I was transferred more than 10 times, the representatives could not find the {$10.00} charge and confirmed I had a {$0.00} balance. I also place all credit on auto pay for the minimum payment to prevent this very situation from occurring. After escalating to a supervisor  and remaining on hold for quite some time, the charge was found, started by someone XX/XX/2020. I filed for a fraudulent charge, this was determined to be fraudulent and removed however, I was in the middle of refinancing my home ( quite stressful to have happen closed at the beginning of XXXX ) this charge dropped my credit score 100 points. Not only this but when other credit companys that I had a {$0.00} balance for years with exceptional payment history, closed my accounts which dropped my score more, but Apple has not removed the charge and when I disputed this with XXXX they said apple insisted the charge is legitimate. I have a screen shot of an email showing it was resolved in my favor and fraudulent so I reopened this dispute with XXXX and the charge is still not removed. Not only this but I recently paid off a credit card of {$6600.00} with XXXX but XXXX  dropped my credit score not acknowledging the payment to zero ( dropped another 9 points ). My complaint is with apple who is incorrectly reporting this {$10.00} fraudulent charge that they couldnt even find, I already had an Apple Pay account, how could another even exist?!?! But XXXX, is incorrectly monitoring my credit, despite paying off many of my bills, not updating a fraudulent charge and this {$10.00} fraudulent charge is still causing negative consequences. I have zero other late payments and zero collections aside from this apple charge, they didnt send me a bill ( because my Apple Pay had a {$0.00} balance ) and they are not being honest despite proof this was determined to be fraudulent. I work so hard to maintain good credit, my position at XXXX XXXX is contingent on maintaining a good financial house and this is unacceptable. Please help. Thank you.
Consumer complaint received 2022-09-22
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention in my file : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Balance : {$79.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$3300.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AXOS FINANCIAL, INC. (CA)

CONSUMER NOTICE OF RECISSION OF AGGREEMENT IN ACCORDANCE WITH TITLE 15 USC 1635 ( A ) ( B ) Please receive this letter as my formal RESCISSION ( pursuant to 15 US code 1635 ( a ) ( b ) of contract stock number 36804506 for 2019 Charger VIN number XXXX that was finance at XXXX XXXX XXXX on XX/XX/XXXX. 

I hereby release BUYER and CO BUYER of ALL obligations to perform on this contract and request that all monies, property and SECURITY INTEREST received be returned to me. 
LISTED BELOW ARE CONSUMER LAWS YOU HAVE VIOLATED In accordance with 15 US Code 1635 ( a ) you must provide the consumer with two forms of cancellation explaining cancellation and my rights to cancel at the inception of the agreement, which you have failed to provide.

There is a misrepresentation as to the material facts concerning the identity of the persons involved and the credit extended 15 USC 1692 812 ( a ) You failed to inform me of the finance charges and my rights to the payment of total amount financed to secure this account. 15 USC 1605 ( a ) You have failed to give me full discloser which has caused me ( XXXX XXXX XXXX XXXX XXXX ) to become surety for a United State XXXX  suffering damages as a consumer and natural person due to your neglect
Consumer complaint received 2019-08-28
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: SYNCHRONY FINANCIAL (FL)

I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-05
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. (GA)

I have disputed the address below but it is still showing on my account.I am not associated with them anymore XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2021-04-30
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 (LA)

Dear Sir/Madam, I have disputed this account with XXXX XXXX XXXX and Synchrony Bank, which is the original creditor, the account number is XXXX. 
The XXXX failed to validate the debt and they sent the debt back to the original creditor. Suddenly, I received a XXXX form in the mail from Synchrony Bank, which I was really confused who acquire the debt was it, XXXX, or Synchrony Bank. 
Which a XXXX and Synchrony Bank both are reporting on my credit report from all bureaus with balances showing. 
However, I sent the original creditor a letter stating that the debt should not be reporting on my credit if I filed the loss on my taxes. ( See Attached letter from Synchrony bank ), which I do not agree to. This debt must be removed from all three credit bureaus.
Consumer complaint received 2021-04-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I have {$8500.00} in coinbase. Coinbase won't let me withdraw the funds to my bank account. From reviews on XXXX. A lot of people are going through the same thing. Filing this complaint because coinbase won't answer any phone calls or emails. I have tried repeatedly to get my money from coinbase. This is a scam and fraud to not allow users to withdraw there funds any moment from an exchange. I would like to get my money back immediately and also hope government stops this fraud scheme. This is illegal. You can not hold someones funds to force someone to use there platform. I hope the government files an investigation. This is destroying our economy and preventing investors to buy into actual companies and create more jobs.
Consumer complaint received 2022-07-05
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. (MN)

Attached to this complaint is a Federal Trade Commission Identity Theft Report. The following accounts, public record and credit inquiries listed on my XXXX XXXX, XXXX, Equifax credit report, are not my accounts, public record or credit inquiries : XXXX XXXX XXXX XXXX, {$370.00}, XXXX XXXX XXXX XXXX, {$3700.00}, XXXX XXXXXXXX XXXX XXXX  {$2000.00}, XXXX XXXX  Bankruptcy, XX/XX/XXXX, Reference Number : XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bankers Auto Acceptance (CA)

I am in the process of looking for affordable housing. So I wanted to secure that my credit was at a decent level so that my family and I could find a place that we could afford in California. Therefore, I signed up for the accessible overview of XXXX, which gave me a perspective overall on my credit. I mailed " Time Finance Co '' with certified mail yet had no proper professional response. There were many concerning issues, and I began researching my given rights as an American citizen and requesting CFPB to do a legitimate correspondence with " Time Finance Co. '' Document # 1 : XXXX XXXX screenshot of " Time Finance Co '' reporting to my credit report with the amount of {$4300.00} Document # 2 : -- Letter i had mailed to : Time Finance Co at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, which indicated that I needed further proof. Under the laws of California, UCC 9.506, XXXX XXXX, and XXXX statutes, a deficiency can not be asserted unless all of the mandated notices were adequately and convenient given to me and all of the allowable redemption and cure time limits were adhered to. 

Attention to : I. 9-506. - EFFECT OF ERRORS OR OMISSIONS.

II. 9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

III. 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

IV. 9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 


Therefore, Time Finance Co is OBLIGATED to deliver me all proper copies of the legal notices ( 1 ) proof of the commercially reasonable manner of the notification ( 2 ) verified resale of the subject vehicle ( 3 ) If no such proof is provided from 1 to 3 within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

In addition, if Time Finance Co singularly or severally fails to fulfill the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies.

Lastly, Time Finance Co is hereby informed that at no point in time and under no circumstances is Time Finance Co company ; an employee of your company ; a representative of the company, or affiliates are to contact me or any family members by any means other than the US mail system to the address stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Document # 3 : -- certified mail proof of sending a letter to Time Finance Co at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Document # 4 : USPS certified mail proof
Consumer complaint received 2018-09-13
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: AES/PHEAA (KY)

My husband attended this university and we have made payment arrangements and have paid, but they have derrogattory on his credit and my credit and they have it duplicated were they have different companies charging us and destroying our credit score it should be on one of our  credit and not duplicated, it has affected our lives.
Consumer complaint received 2022-08-08
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 (TX)

Ive contacted the company and did a credit dispute on a car care card with XXXX  and the information is still on my account. they wont let me dispute again. The account i have never gave this comppany my consent or no knowledge to use my credit.
Consumer complaint received 2022-08-08
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. (MI)

In accordance with the Fair Credit act XXXX XXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NJ)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft WF CRD SVC Account Number : XXXX This is not mine.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

I sent my XXXX payment on XX/XX/XXXX. When I got my statement for XXXX I paid the XXXX charge, but did not notice at first that they didn't credit my XXXX payment. I called and they dropped the late charges and all late fees. I have never been late so I called them to see why they didn't credit my account. They stated the XXXX rent was never received.. 
I did send a letter to Chase and asked that they look into this. They did but I got no satisfaction. 
Since they now had the XXXX payment I said apply it that to XXXX and I gave them access to my checking account to deduct the XXXX payment. I stopped [ payment on the XXXX check, and I do have evidence of that. 
I told them that they should not report me to the credit bureau as a late payment as the mails have been late. I got letters from the utility companies that payments were being received late and they understand and were not charging late fees and would not report it as late. 
I cant understand why they would report me to the credit bureau as I paid the bill when I spoke to them and when I found out it was late I took care of it. 
The mails were late and I feel 100 % justified in requesting that they not report me as delinquent. This may not seem like much but I am XXXX XXXX XXXX and I try very hard to keep my credit in good standing. When they reported me to the credit bureau my credit score went down from XXXX to the low XXXX 's. 
Since they dropped the late fee and since it is a fact that the post office was having issues delivering mail on time they should eliminate the delinquent notice to the credit bureaus. 
Can you descrimnate against me thinking that I cant do anything. I feel that they know that I am locked into this mortgage and I cant refinance with this on my record and my score dropping so low. This bank is charging an interest rate of 4.5 % and I am paying a premium for this mortgage and they have me stuck with this situation for no reason at all. I hope that you can help..