davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (FL)

I leased a XXXX XXXX in NY XX/XX/XXXX and it was leased through Chase XXXX XXXX They 1 ) spelled my name wrong 2 ) never updated the lease payment in XX/XX/XXXX, when i Moved from NY to FL 3 ) even though I was paid in advance on my loan and always had a credit balance on my account, they reported to the agencies that I had missed a payment. 
I have tried to resolve this with Chase, and have not had success. My credit score went from the XXXX range to the XXXX 's because of their poor accounting. 
I have spent countless hours on the phone, as well as writing letters to the 3 credit bureaus for relief. I hope this is resolved and my credit is restored to its ' prior level. I am in the market to lease a car, and the lower score will probably affect the price that I pay.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (HI)

I received a letter dated XX/XX/21 from Citi indicating that my account was inactive and {$0.00} balance so they had to close my account. 
I did however have a Dividend Dollar balance of {$83.00}. 
On XX/XX/21 I called Citi to see if I could at least get that money back. I was passed to a manager named XXXX who told me that my account was closed and that there was nothing he could do. 
I attempted to use their automated phone system to get a check of my Dividend dollar which their system indicated was a balance of {$76.00}. The phone system indicated that it would take 7 to 10 business days for me to receive my check, but nothing was received. When I used the phone system again on XX/XX/21 - the balance was the same - so I requested a check again - but i'm sure the results will be the same.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

RE : Loan # XXXX - Paid in Full on XX/XX/XXXX I sold the home at XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/XXXX and wired funds in full to Carrington Mortgage and paid off the loan in full. XXXX  credit reporting company has not updated this account and is still reflecting an open account with very large balance. 

I am purchasing a new home and closing on XXXX and this account is significantly reducing my score and prohibiting me from obtaining the interest rate reduction with my new lender. XXXX and XXXX have corrected the account. 

I phoned XXXX and was told to contact Carrington Mortgage to have them contact XXXX directly to correct. Carrington Mortgage is saying they reported the correction on XX/XX/XXXX to XXXX, but can not provide me with any documentation. XXXX is saying they can not locate any such correction reporting and can not fix without this. 

I am getting the runaround by both Carrington Mortgage and XXXX and need this completed immediately so that I can close on my new home. I do not have 30 days to wait for a dispute!!!!!!!! The loan was paid off almost 2 months ago! 

I am suffering significant financial damages in being forced to take a higher interest rate on my new home loan because of this inaccuracy. By law FDCA, this needs to be corrected. 

Please direct me to the person that can handle this error immediately and have the XXXX credit report updated so I can proceed with my closing.
Consumer complaint received 2018-11-15
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: SYNCHRONY FINANCIAL (FL)

I was shocked when I reviewed my credit report and found late payment on the dates below 30 days late as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODAXXXX XXXX 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 2021-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

XXXX was my provider about 4 years ago ; I ended my service & returned equipment to a local Authorized XXXX XXXX ; it was a 1st party XXXX XXXX A couple years later, I was trying to buy a house & discovered a {$950.00} bill sitting on my credit. 

I went directly to XXXXXXXX XXXX ; they checked last time I had service ; confirmed I ended & owed nothing at that visit Ive had only XXXX since and reported disputes with XXXX & 1 of the others. Still showing {$950.00}. The debt had been sold to a collection and I tried to obtain the address service was started ; no luck. Someone setup service in my name!
Consumer complaint received 2021-02-27
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (IL)

There are things on my consumer report I wasn't aware of and neither did I apply for them to get credit or anything, I've submitted disputes to the company 's 30 days ago none of the creditors have shown proof of debt, these are un-verified debts and I would like them removed from my consumer its been over 30 days.
Consumer complaint received 2021-02-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-07-08
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. (FL)

I am sending in the Formal Complaint because there is an account that should not be posted on my Consumer Report. As per the Fair Credit Reporting Act 15 USC 1681a Under exclusions ( B ) anything that was extended or authorize from a credit card should be excluded from my credit report. 
It says : ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; According to the definition of credit card under 15 USC 1602 ( l ) Credit card- 15 USC 1602 ( l XXXX The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit..

Furthermore, as per 15 USC 1681 ( a ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I also had had a conversation with the companies and it was stated that they did not follow the protocols in the laws above and that they would not assist me based on the law but by company protocol. And if I had a problem based on the law I could not speak to legal department but would have to hire an attorney to do so. 

Please assist me in having the following item removed from my Consumer Report as the Law States that it should not be there to begin with. 


Account Number : XXXX Creditor Name : XXXX XXXX XXXX Industry Type : Other Collection Agencies Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Phone : Amount Delinquent : Account Balance : {$710.00} Payment Status : Collection/Chargeoff Creditor Preferred Contact : Other Consumer Statement : Placed for collection Thank you for your Assistance.
Consumer complaint received 2021-02-27
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA (MA)

Please find the following two letters I wrote to Hyundai Motor Finance below : 1 ) Please contact credit bureaus to have Hyundai be removed from my credit. I spoke with XXXX in your office on XX/XX/XXXX. She told me to send documentation along with this note. Please find documentation included with this note needed to remove Hyundai from my credit report. Documentation included : are XXXX XXXX XXXX and Payment History. - Lease was extended beyond maturity date - I was awaiting confirmation from Hyundai that it would be OK - Once I received approval I made payment ( s ) within 30 days, which can not be reported to Bureaus or negatively impact someones credit 2 ) To whom it may concern, While applying for a home mortgage this year, I was informed that I had something on my credit report from Hyundai. I called Hyundai after finding this out, not knowing what it was in regards to. Hyundai told me over the phone that they did not know either and that they would contact the credit dispute department to request it be removed. I recently followed back up with Hyundai, because I never heard back. I explained to them that I had an auto lease that expired in XXXX. I returned the vehicle with no issues or any payments still to be made. I followed up with a phone call to Hyundai to confirm this and was told everything was fine. Come to find out recently, I was told that there was a late payment on my previous account and that was reported to the credit bureaus. I was never notified of this. Then, after returning the vehicle back in - I was told everything was all set, which was in fact not true. I am writing to request that you please contact the credit bureaus and have Hyundai remove this from my credit. I would appreciate a follow-up response to this request as soon as possible. ( Disputing Amount is {$370.00} )
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights tc privacy and confidentiality under 15 USC 1681. 


XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX h

as 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 turnisn a account wino my instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reportina agencv mav make an consumer report containina an of the followina items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears 15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MN)

Affirm is claiming I owe a debt with there company when I was victim of identity theft. Affirm have 2 different addresses with this fraudulent account one wich I have never been resident at. Affirm claim that this account was being paid off. And thats there proper investigation of stating that I on this fraudulent account. Affirm refuses to send me proper evidence such as acc numbers statement or bank account wich this account was used to be opened. I spoke with affirm fraud department wich said they would do a proper investigation. They did not. I will be filing a complaint with my states attorney office as well. For discrimination and reporting false information thats fraudulent. Knowing that I was victim of identity theft. I never received any bank statements or application for this company to back there claim wich I so clearly asked for. They telling me its my account because the loan or whatever account was open with them under my name was being paid. And I guess the payments stop not sure because this company refuses to give me that information
Consumer complaint received 2022-07-28
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: Mortgage Research Center, LLC (TX)

The XXXX XXXX XXXX XXXX XXXX XXXX ran and pulled a hard credit when i only asked about their services as i told them not too because i already knew my credit score was poor and they ran may credit as a hard inquiry. Never received no paperwork of why they ran my credit report.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have unverified accounts on my credit reports I had previously disputed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (KY)

I refinanced my home from XXXX XXXX XXXX to Guaranteed Rate in XX/XX/XXXX. My insurance company XXXX XXXX XXXX XXXX XXXX provided my insurance policy to GR. You'll find in the attachments. The insurance company faxed and called requesting payment and the payment was never received. I received a check from my prior mortgage company, XXXX XXXX XXXX. I called my insurance company and they stated that check must be signed and sent to GR so they can pay the policy. That was done and GR cashed the check on XX/XX/XXXX ( thats provided in the attachments ). The insurance company reached out to GR on XX/XX/XXXX requesting for the payment to be made. Numerous times the insurance company atempted to get the payment to pay the insurance amount and nothing from GR. Now I'm still continuing to receive letters threatening force placed insurance due to " lapse in coverage '' when GR never paid the policy as they should have. On top of this, I had to establish insurance again with my agent and the premium went from {$1100.00} to {$1400.00} which is higher than it should be because GR never paid my insurance as they should have. I spoke to a couple different agents within GR and they claim they do not have the ability to see my check that was sent or the fact that it was cancelled. All they continue to tell me is after XX/XX/XXXX they will force place insurance and my premium will be higher. I spoke to XXXX and XXXX ( Supervisor ) still nothing to resolve this matter. I asked my insurance company to provide me with the dates and attempts to get this resolved and I'll attach to this complaint. This is completely unfair and deceptive. If someone would just take the time to actually review my account instead of telling me they can't see a cashed check I don't think we would be in this mess. I'm absolutely exhausted over dealing with this mess. This shouldn't be like this. A customer who has escrow should not have to jump to ever hoop. 

I must say, I can't believe all of this has happened. The refinance process was the easiest thing I've ever done in my life. Now that this has happened I have the worse taste in my mouth and will never refer anyone again to refi with your company. Never once through this process did XXXX attempt to help she continued to state she needed a reinstatement letter from my insurance company. How can you provide a reinstatement when GR never paid the policy. Due to the error the policy had to be completed AGAIN.
Consumer complaint received 2021-02-27
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: AutoNation Enterprises Incorporated (GA)

Hello, my identity was stolen several years ago. While I was at work someone stole my wallet with all my identifing information in it. They had rented a car in my name and gotten several forms of credit. I did not know any of this until I was stopped for a random traffic stop and the police stated all of this to me. I am now trying to correct issues that were made to my credit history. I would appreciate your prompt attention to this matter.
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

Our loan has been in continued forbearance since XX/XX/XXXX, however, it is being reported by our mortgage company, TIAA, as delinquent to credit bureaus. 

Our loan is being reported as closed ( in bad standing ) with delinquent payments 30- 59 days past due to at least two credit bureaus. XXXX is reporting a missed payment beginning on XX/XX/XXXX and XXXX  is also reporting a missed payment for XX/XX/XXXX. However, we have been in continuous, uninterrupted covered forbearance plans since XX/XX/XXXX with no period of delinquency ever for this loan. 

We applied for mortgage payment assistance related to COVID-19 and were placed in an initial forbearance plan beginning XX/XX/XXXX covering through XXXX XXXX. 

We have requested and been granted extensions for this forbearance plan, for continuous forbearance coverage through the following dates : XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX through XX/XX/XXXX We are requesting TIAA Bank and the new loan servicer XXXX update our mortgage files and all credit reports to show the current forbearance plan and correct all the credit reports for both XXXXX and XXXX to reflect accurate information regarding this mortgage loan. Please update our records to show the start of the initial forbearance as being XX/XX/XXXX. 

We feel that our mortgage company is in violation of the RESPA act by reporting inaccurate information about our mortgage to the credit reporting bureaus. As a result of this false reporting my credit score has dropped over 80 points. I have had my credit card interest rates raised by the issuers and I have had at least one credit card closed by the issuer because of the now lowered credit score.
Consumer complaint received 2021-02-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized, Also my personal information is incorrect.
Consumer complaint received 2022-10-05
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. (FL)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MO)

I opened an account with Synchrony Car Care Credit on XX/XX/XXXX. I financed four new tires for my vehicle on XX/XX/XXXX and used Synchrony Care Care Credit as my creditor. The total cost of those tires was XXXX. I set a due date for the seventh of the month and was told I had 0 % apr for the first 6 months. I never set due dates for the first of the month because it is the day I receive my Veteran XXXX payment and it is the only funds I receive. I am unable to work. By setting a due date of the first, most of my bills would be late so I set all my payment due dates for a few days after the first or later. Synchrony made a mistake and set my due date for the first of the month causing a slew of late fees to assess on my account, which I was unaware of. I was also told I was being charged interest. I did not realize this was going on until I made my final payment. When I went into my account to change my address, because I am moving, I noticed I still had a balance due. Upon inquiry, I found out that I had been charged exorbitant late fees every month for 5 months. They agreed to wave my last late fee of XXXX for my XX/XX/XXXX payment but refused to wave the others. I told them any interest charged on my account needed be refunded, they refused. I hung up the phone and called back a few minutes later advising if they did not correct the mistake I would close my account and file a dispute and a complaint. Again, they refused a refund. I closed the account. I was charged the following late fees : XX/XX/XXXX - XXXX. XX/XX/XXXX - XXXX. XX/XX/XXXX - XXXX. XX/XX/XXXX - XXXX. I contacted my bank to file a dispute. They said, most likely, the money would not be refunded since it is my word against theirs.