davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I moved and had all of my mail forwarded. Additionally, I was on an electronic statement with the company. I knew I had a balance and was waiting for the statement via electronic transmission or US mail. I never received either. I then received an alert from a credit monitoring service that a payment more than 30 days past due was posted on my credit report. I contacted the organization and they acknowledged that they had received the mailed statements back and that the electronic transmission of the bill did not process. They credited the late fee back to my credit card and I paid the bill. When I asked about correcting the credit report the customer service representative stated that it would be done by the end of the month. That was in XXXX, 2021. After XXXX months of waiting for the correction I filed a dispute with the credit reporting agencies. After 15 days they all came back and said that the information was correct. 

After all of this they increased my credit limit by XXXX dollars.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

I am a victim of identity theft and have a current police report on file with Chex Systems. The following Reported Information, inquiries viewed by others, and by me, currently listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized, and not my checking account or inquiries : XXXX XXXX XXXX XXXX, Account Number : XXXX, Balance XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XX/XX/2022, and XXXX XXXX XXXX XXXX XX/XX/2022.
Consumer complaint received 2020-04-16
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: I.C. System, Inc. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX and IC SYSTEM # XXXX required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 )  ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation can be held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report since they have not even tried to contact me regarding this Fraudulent collection account. Please have them remove these collection accounts immediately.
Consumer complaint received 2018-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. ()

COMPANIES Procollect XXXX XXXX - XXXX Ive attempted to settle this account for a length of time that has now become problematic. This matter is now over a year old and remains unresolved through no fault of my own. ( You can see this by the documentation that has been attached ). 

At this time, as well as all other times, I simply want to take care of this issue and move on with my life. XXXX XXXX and Pro Collect have violated my rights under the Fair Debt Collections Practices Act and reported an INACCURATE Debt to mine and my sons credit reports In the attached documents you can clearly see I made payments to XXXX XXXX .. BEFORE this account was turned over to a collection agency. ( ProCollect ) Speaking of PROCOLLECT, once received by ProCollect this matter was reported to the credit bureau BEFORE the validation was received. In the validation they only provided a lease. In speaking with XXXX XXXX Property Management they have not sent anything to Procollect Now that this is with PROCOLLECT, I am STILL having a problem. As you can see in the attached I have attempted to settle this matter with no success. I continue to contact ProCollect. Each time I am advised that I can only speak with Mr. XXXX AND that it has to be done via email. Well as you can see that is not going to well. 

At this time my desire is to clear this matter and correct our credit reports. Considering that so much time has lapsed already, Please see the attached documents
Consumer complaint received 2022-04-25
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (NY)

I received a credit card from Milestone card services for a credit limit of {$300.00} that I never ordered or requested. I received a statement letter that I owed a fee of {$76.00} due on XX/XX/22??? I called immediately and spoke to a representative at XXXX and she filed an identity theft ticket for me. She proceeded to advise I fill out an affidavit
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (ID)

XXXX XXXX used this credit reporting agency on XX/XX/2020 to use in a decision for a car loan. 
XXXX XXXX credit rating was XXXX. My credit score is in the 800-832 range with the other three reporting  agencies. 
Their reasons : Limited history for consumer at address and phone number. I have been at my current address for XXXX years and have had the same phone number for XXXX years. 
Distance between address and area code of phone. I live within 15 miles of the area code of my phone. 
Too few active accounts. I have a car loan for the last years and an open credit card account for the last three. All current with zero late payments. 
Total account balances. Percent of my debt to income is 20 % This company 's information is so far off that they seem fraudulent.
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (TX)

I have called company multiple times over the past few weeks and submitted claim to get this resolved and the issue is still not corrected. I am unable to view my credit report and score and mortgage company can not generate report stating the credit file is suppressed. I spoke with Equifax who stated they could see my report and score on their end and did not know what the issue was. this is very concerning as they have no other alternatives to resolve the issue outside of escalation. I can not close on my home until this issue is correct in the prior complaint Equifax never corrected the problem.
Consumer complaint received 2018-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (WA)

On XX/XX/2018, I received a letter Key Bank advising me they were closing my Checking, Savings and Safe Deposit Box on XX/XX/2018 Key Bank stated the reason for this closure was my account relationship posed excessive risk to the bank, therefore they were closing everything in 30 days. 

I have made every attempt to figure out what was going on. I have never had a returned checked, overdraft on my account nothing. At one point I was depositing over close to {$15000.00} a month into this a account and never had a problem. So this came as a huge surprise. 

I contacted XXXX XXXX XXXX and they finally narrowed it down to a transaction onvXX/XX/2018 : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 

I have the Bank Manager at the local Key Bank near me and was they saw no problems with the transactions that happened on XX/XX/2018. 
The information Key Bank is reporting is completely incorrect and is preventing me from opening another bank account.
Consumer complaint received 2018-08-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: BlueChip Financial (MA)

Payment arrangement set up with company to pay $ XXXX  monthly @ {$110.00} which was withdrawn on XX/XX/18 Today taking {$150.00} out in error and can not stop the deduction per company
Consumer complaint received 2022-12-14
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. (FL)

1. XXXXXXXX XXXX  ac # } XXXX { Reason for Dispute } THIS ACCOUNT IS NOT MINE. I HAVE NEVER SIGNED APPLICATION OR OBTAINED Credit. This has been Removed before and now it's been added Again
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Penn Credit Corporation (NY)

In accordance with the Fair Credit Report Act XXXX, Account # : - XXXX, PENN CREDIT CORPORATION 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 an account without my written instructions.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (MI)

Credence Resource management is attempting to collect a debt that Receivables XXXX is trying to collect as well. This is not even right! One of these companies need to remove themselves. Ive never spoken to anyone at credence resource. I never received a letter.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
OFFICE OF THE ATTY GEN XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$680.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX, XXXX Balance {$0.00} ; ATTORNEY XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}.
Consumer complaint received 2020-04-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (CA)

This is a follow up to compliant number XXXX I was told to contact XXXX XXXX phone number XXXX I called her over 10 times she never answers the phone or voicemails company is still calculating loan wrong charging me unauthorized fee such as XXXX every time I make a payment. I keep making payments and they are not applying it to principal as they are supposed to. I am disputing the XXXX fee every time I make a payment since is not in the contract. They have total amount paid ahead is XXXX I made multiple payments they never apply the extra to principal flagship keeps saying I have to call them every time I want to do that apply extra to principal. They are stressing me out I XXXX XXXX have a XXXX medical condition I WILL HOLD FLAGSHIP CREDIT ACCEPTANCE liability for any health problems cause by my stress they keep on applying incorrect amount to principal so interest will keep going up. I read contract there is zero mention of XXXX fee every time you make a payment they need to get sue and shut down. Everyday my balance keeps going up they are overcharging me every day instead of XXXX dollars a day they are charging me like XXXX. There is also a dispute when interest starts to incur I was told by dealer it starts first day of payment due date since they haven't bought the contract from dealer yet, but according to flagship they are charging me since the first day that I sign contract when they didn't even have the contract yet. I also believe due to the Coronavirus they made a law in California where they are not supposed to charge 3 months of interest but the company is doing nothing to help customers affected by coronavirus!!!
Consumer complaint received 2018-08-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

On XX/XX/XXXX I called Navient to reapply for my Rate Reduction program. I began the program in XXXX. I would call yearly to give my financial statement and they would admit me back in. XX/XX/XXXX they told me my program was going from a 1 year to a Six month plan, so I needed to call every 6 months with my new financials. I called in XX/XX/XXXX with my financials and they readmitted me in. Come XX/XX/XXXX, I did not receive the normal email reminding me to re apply for my program. It has slipped my mind without the normal reminder and they ended up charging me {$1300.00} for the month of XX/XX/XXXX. I called and they gladly refunded my money because they made the mistake of not reminding me. They asked me to call back in XXXX before my next payment to reapply for the program. I called XX/XX/XXXX at XXXX and gave all my financials that I had given previously. Nothing had changed from XX/XX/XXXX. They woman on the phone told me that everything is exactly the same as it was in XXXX but unfortunately they can not accept my enrollment at this time. I asked why? if everything is the same. The response I received was : " We just plug the numbers into the system and due to the system update, they did not accept you, unfortunately this is something we can not override. '' I asked to speak to a manager and she told me that even if I did it would mean nothing, its what the computer generates. My monthly payment had jumped {$600.00}. I told her I can not afford that, and she said to try again next month and maybe the computer will accept me then, and to keep trying every month. If they have a program that requires your financials to meet a certain percentage then why is a computer making the decision that is exactly the same as it was 6 months ago when I was approved?
Consumer complaint received 2018-08-17
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. (MD)

Between XX/XX/XXXX-XX/XX/2018 a public record was removed from my credit report as the result of a dispute I filed. I contacted the company which a representative stated the public record was removed and I would receive a new credit report. Within the same week I received an alert from my credit monitoring Agency that the public record was added again. I contacted the company directly, submitted another dispute and the company stated this never happened. The fcra states that the credit reporting agency has 10 days to notify me of any additions of removals from my credit report. That was not done by the company.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank holds a business credit card in my name for over {$40000.00}, and I have not been with the company for 12 months. In XX/XX/2019, when I was last with the company, the credit card was only {$20000.00}. They've refused to transfer over the card to the new Partners of the business, even though I've shown them, through the Secretary of State 's website, that I am no longer a part of the business. 

With this, Chase Bank has not notified me of when the payments are due. With this, they are not allowing me to make the payment online. They are now reporting that I've missed a payment.
Consumer complaint received 2020-04-16
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (TN)

On XX/XX/XXXX of this year, my wife and I applied to refinance our VA loan to a VA refinance for IRRL, from 4 % to 2.75 %. When the Mortgage Processors reached out to request document uploads, they provided the Loan Estimate on XXXX, so within the 3 day business days, from there I reviewed all fees on the LE and closing costs. I received a second email a day or so later requesting that I pay a {$150.00} application fee, which was a surprise to me because nowhere on the loan estimate, itemization of fees, or the advance fee deposit agreement. After I informed the processor that I wasn't going to pay the fee and take my business elsewhere, this was her response : " Hi Mr. XXXX, I just reviewed your file and youre absolutely correct, the application fee was not listed on the Loan Estimate. Since this fee was not properly disclosed to you at the time of application, we can not charge it to you. Please disregard the request to pay the application fee. My apologies for this oversight on my part. I appreciate you brining this to my attention. '' XXXX XXXX A couple days have since passed from the date of that last response, and I have received this today : " Hi Mr. XXXX, I hope that you are having a good week so far. I just wanted to follow up with you regarding my error in stating that you would be charged an application fee and to see if you have any questions. As I previously stated, you will NOT be charged the application fee as it was not disclosed to you initially. The only fees that will be charged to you are the ones that have already been disclosed to you on your Loan Estimate. I am happy to discuss over the phone if you like, just let me know the best time to reach you. My deepest apologies for my error and any confusion I caused regarding the fees you would be charged. 

Have a great evening, '' On my client " to do list '', there is still a requirement to pay this erroneous fee.
Consumer complaint received 2018-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

My student loan is serviced with Navient. I applied in XX/XX/2018 to get my student loan forgiven through the XXXX  loan forgiveness program that requirs 5 continuous years XXXX  in a XXXX XXXX XXXX XXXX. I have met all the requirements, filled out a completed and correct application and submitted it the application in XX/XX/2018. The application was processed and submitted for approval and forgiveness. During this process, the loan was placed in forbearance. On XX/XX/2018, I received an email from Navient stating I must complete a new student loan forgiveness application since the address of the XXXX  is missing in section five of the application. That information from Navient is incorrect. The application and all pertinent information was completed, accurate, and submitted in XX/XX/2018. They accepted the application as complete since all infotmation was correct and completed on the application. This process has caused undue stress, XXXX, and worry. It has delayed me the opportunity to buy a house, start a family, and get married.
Consumer complaint received 2018-08-17
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)

Plaintiff asserts Equifax Information Services, LLC ( " Equifax '' ) failure to provide him proof conducted an intrusive investigation into XXXX XXXX XXXX XXXX having engaged in fraud and deception. Creditor reporting unfounded statements and unsubstantiated claims Plaintiff owing a balance is gross fabrication. Equifax not contending in writing receiving evidence of proof, Affidavits from sworn police officer, bank statements XXXX drafted from Mr. XXXX bank accounts, XXXX sent a statement to Mr. XXXX XXXX account balance is XXXX and account paid in full around XX/XX/XXXX. Attorney General conducted an investigation thru discovery Equifax never conducted an intrusive investigation, into fact findings but instead, reliance on XXXX falsity of facts. 

Mr. XXXX consumer requesting FTC intercede on his behalf an conduct investigation into Equifax, repeatedly and persistently failure to remove the erroneous information timely. CRAs knowingly from XX/XX/XXXX through XXXX XXXX creditor receiving payments made via XXXX XXXX via phone. In support of argument Deputy XXXX XXXX County Sheriff provided affidavit around XXXX XXXX XXXX committed fraud against Mr. XXXX government employee and service member. Equifax knew or reasonably known of fraud or fraudulent acts rather than take appropriate action instead reported Mr. XXXX owing XXXX in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) et seq. ( " FCRA '' ), supports and substantiates furnisher of the misrepresentation of the facts and Equifax retaliated or engaging retaliatory action. 

Plaintiff 's asserts both employers Equifax and XXXX engaging in pattern of conduct, that is habitual and habit forming, making unsubstantiated claims that there is no timing requirement for response or responding to identity theft that occurred or is occurring is incorrect and in violation of 15 U.S.C. 1681g ( a ) .FTC stops unfair, deceptive andfraudulent business practices.