davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
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)

'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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (WA)

Dear SYNCHRONY BANK, I, the consumer and natural person XXXX XXXX, received an Adverse Action letter stating my credit card account : DISCOUNT TIRE XXXX XXXX XXXX XXXX was closed. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by SYNCHRONY BANK due to the response I received.

SYNCHRONY BANK is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit card account was closed. 
Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SYNCHRONY BANK
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (GA)

I was approved for a loan by Avant for XX/XX/XXXX for {$4700.00}. During this time, I've made timely payments. I have not been late but have been marked as late by the timing of the due payments installments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The account has been paid in full by XX/XX/XXXX but has 3 late payments. I've tried several attempts to have Avant correct the payments as well as dispute the erroneous information with the 3 credit bureaus. Avant has not made any attempts to correct this and " validated '' the late payments although they were made on time.
Consumer complaint received 2016-04-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (TN)

This is the second complaint of XX/XX/XXXX. My complaint is on US Bank, we have been trying for over two years now to file for modification. We were given one modification XX/XX/XXXX and we paid two full months of the modification. The bank cancels our modification, through their own miscommunication, which they admitted. We have been applying for a second modification since XX/XX/XXXX, our house is now in foreclosure with the sale date of XXXX XXXX at XXXX XXXX XXXX. Since XX/XX/XXXX we have had a total of XXXX different case managers, with this foreclosure the bank is stated that we have made no payments which is incorrect we did pay the two modification payments before they made a huge mistake, we can not get in touch with the case manager we have been ohoning as much as two and three times a day with no returning phone calls. We get information from XXXX different areas of US Bank the obvious of one hand not knowing what the other is doing. We fell on hardship in XX/XX/XXXX, my husband has complied to every article of information as needed. Repeatedly over and over enduring each new case manager. I have now filed a complaint with the XXXX for the concussion syndrome for my husband. We obviously want to keep our home, we have had this battle since XX/XX/XXXX. For the pain and anguish that we are enduring is there not a statue of limitations on this abuse? The bank is admitted to making several mistakes, The bank has applied the wrong amount of money to the simple principle there are countless errors which are all stated in my previous complaints. I will keep filing complaints with you because of US Bank the consistent abuse is published over and over and there has been no retribution for the homeowners trying to save their home. 
I have researched all the rules all the manner in which the time limits that the bank is supposed to comply to. Now the bank wants to make us look as if we have done nothing and all we have done is comply to every thing they have ordered us to do. The banks irresponsible actions should have a time limit to protect us from having to endure this foreclosure we need your help. This is a classic case of abuse U.S. Bank the negligence the inconsistent information, The undoubtedly replacing of employees should show a huge reason for the injustice that U.S. Bank is serving on us. I have contacted you, my Congressman and my governor and I 'm going to go the route again because this abuse is not fair to us who are trying to save our home. Please help, our case is exactly why this bureau was created and we truly need to see that it does stand for justice. Plus having to deal with all of the creepy companies stating that they can help you for money. Because all of this is published everywhere for anyone to find, and all we have done is comply to every request placed on us by the bank.
Consumer complaint received 2017-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

There is a debt from enhanced recovery for XXXX. 
I have never had an att account in my name. 
My mother had an account ; but, she is now in a XXXX XXXX with XXXX. 
For some reason, XXXX has decided to put the account under my name and social security number as they ca n't collect from her. Enhanced Recovery has placed the negative information on my account for {$970.00}. 

I 've told them when they 've contacted me the debt is not mine. It was opened in my mother 's name, and under her social security number. I was informed by debt collector that because we lived at the same address, and I had the benefit of those services, and because I am my mother 's power of attorney, I am now liable for the debt and they refuse to remove it from my credit. 

THIS IS NOT MY DEBT.
Consumer complaint received 2022-07-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (IN)

loan applications submitted several times since XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX vendor is unresponsive and when they do respond - they still drop the ball and don't process the application reached out several times to customer service - told that XXXX are not available 100 % of the time and that I can be placed on a call-back list placed on the call-back list and never get a call-back several communications sent to : XXXX, XXXX, XXXX, XXXX XXXX
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

Synchrony Bank is refusing to resolve a written dispute about a {$32.00} restocking fee related a cancelled furniture delivery and purchase. The original purchase was on XX/XX/2022 and the entire order was cancelled on XX/XX/2022. However, XXXX XXXX system cancelled all of the order, except the {$32.00} restocking fee. I filed a written dispute with the affiliate bank of XXXX XXXX, Synchrony Bank, on approximately XX/XX/2022 and faxed a copy of my receipts on XX/XX/2022. Nonetheless, Synchrony Bank continues to ignore the dispute and claim that they are owed {$32.00}. I cancelled the order in less than 24 hours after ordering the bed frames ( furniture ) at XXXX XXXX location in-person, but online at the store 's XXXX customer service desk. I did not accept any of the items offered. The charges were originally charged to my XXXX store credit card.
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 — Account status incorrect
Company: EQUIFAX, INC. (NV)

According to FCRA all information on my credit report must be verified and accurate. In accordance with the Fair Credit Reporting Act XXXX and Equifax has violated my rights. XXXX XXXX XXXX account number XXXX reporting inaccurate showing account open that is supposed to be closed. XXXX showing this account has been closed, FCRA says all report must be accurate, how can XXXX reporting this closed but not XXXX and Equifax! according to FCRA all inaccurate information must be correct or delete it.
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2016-02-04
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LoanCare, LLC (DC)

I 'm attempting to get my loan pay-off statement to re-finance but mortgage servicer, LoanCare. I 've waited 20 minutes for a human to answer the phone. Their website is clunky and I can not access my payoff statement even through their website. 

I never wanted to do business with them. XXXX Mortgage transferred my mortgage over to this XXXX company
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MI)

I applied for ( and was approved for ) the Citi Thank You Premier Card on XX/XX/2017. Citi was running a promotional offer of XXXX points for spending {$4000.00} within the first 3 months. I charged approximately {$4200.00} within the first month of having the card. The XXXX bonus did not post to my account though. When I contacted citi customer service I was informed that there was no bonus offered when I applied and would not be receiving the bonus unless I could fax them proof that they offered the bonus when I applied. 

I did not take a screen shot of the application, and citi never sent me a letter ( electronic or paper ) confirming the bonus, so I have no proof that I can fax them. However, I am positive they were offering the bonus at the time of application. I have multiple credit cards already and the only reason I applied for the citi card was because I had $ 4,000+ worth of expenses coming up shortly and so would be able to easily meet all of their qualifications to receive the generous sign up. The sign up bonus was literally my only reason for applying for a new card, and I am positive the bonus was offered to me when I applied. I did not realize I needed to take a screen shot of the offer in order for citi to honor it.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act the following XXXX Accounts listed below, have 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX date opened XX/XX/XXXX XXXX  XXXX date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX TRANSUNION XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (TX)

Citibank automatically renewed my account but never sent me a replacement card. I thought the account was closed and didn't realize it had an auto pay for the vet on it for 4 months. When I finally realized, I paid everything I owed and closed the account ( after much trouble and hours and hours of waiting on hold and having my calls dropped before they would cancel ). They said couldn't even access my account to cancel it until sending me a new card since they never even sent the first renewal. Weeks later, after getting a new card and lots and lots of time with their terrible phone system, I finally canceled it. Then 3 months later I get a collections bill for XXXX XXXX. According to them it is a late charge they hadn't assessed yet when I canceled. So they can charge fees AFTER I cancel an account? Is that legal? Also, it was very very difficult to cancel. Seems predatory.
Consumer complaint received 2018-05-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (NC)

This creditor is reporting a negative debt against my credit report and has refused to delete it. This creditor is in violation of several consumer rights under the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. This company is in violation of two different consumer credit rights.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a XXXX balance on my Capital One XXXX card and no negative transactions or problems with that or any of my Capital One products. In XXXX I was charged a membership fee without any notification. This fee was charged interest and fees for 3 months before I became aware of the fee being placed. This was reported to the credit agencies and my credit score dropped by XXXX points for an unknown charge on a previously paid up credit card. No other effort was made to notify me of the unknown charges and now I am told I can not speak to anyone in the credit dispute center, that a letter is the only mechanism to dispute the fees and the negative credit score which may take up to 2 months to get resolved.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

The IRS sent Equifax a " Withdrawal of Filed Notice of Federal Tax Lien '' on XXXX/XXXX/2013. It recently came to my attention that they did not remove it. I filed a dispute. They still would not remove it because they determined the lien was released. It was WITHDRAWN. They do n't seem to know the difference between RELEASED and WITHDRAWN. It should be removed from my file immediately.
Consumer complaint received 2022-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX XXXX XXXXXXXX Account Number : XXXX XXXX : {$160.00} XXXX XXXX XXXXXXXX Account Number : XXXX XXXX : {$160.00} XXXX. XXXX XXXX Account Number : XXXX Bal : {$180.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$500.00} XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$250.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$820.00}
Consumer complaint received 2022-03-29
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. (IL)

on XXXX i sent a letter regarding inaccurate and unknown things om my credit report to this day over 60 days later i have not received a response yet. i feel like im being taken advantage of and being ignored of my disputes, Section 611 ( a ), it clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into hands of the wrong person
Consumer complaint received 2017-02-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: KEYCORP (NY)

Keybank-I filed for bankruptcy XX/XX/XXXX and the loans were not part of it. Bank refunds payments. I call them and they say that they reviewed the loan and decided they would discharge it as a result of the bankruptcy XX/XX/XXXX, but XX/XX/XXXX. They did not contact me because it would seem they are trying to collect on a debt that was discharged. I told them I did not request that and why this was done. They told me that 's all they could say. Credit report says transferred to recovery ; claim filed with government. Is there anything I can do? I have n't missed payments ever. It makes no sense as this is something I owed and kept payment.
Consumer complaint received 2017-02-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I applied for the application for withdrawal of file form XXXX, Notice of Federal tax lien ( form XXXX ). I was approved on XX/XX/1016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the IRS release forms ( which I will also attach here for you ). I have also verified that the county lien withdrawals have been recorded. Equifax continues to improperly report the liens and refuses to recognize the withdrawal. The other CRAs ( Experian and XXXX ) removed the liens from my credit report immediately.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NJ)

My Citibank checking account is showing as " Blocked '' on the online portal and in the mobile app. I received no notification through email, text, or mail. I contacted customer service through the in-app chat and was asked to contact the Fraud department via phone. I made 2 different phone calls to XXXX and spoke with 2 different customer service representatives on XX/XX/22. I was told that the account is referred for closure and that I will receive a check in the mail in 60 days. This is my primary checking account and I have more than $ XXXX on deposit in this account. I need access to these funds to pay for taxes due XX/XX/XXXX, as well as other regular bills ( mortgage, credit cards, etc. ). Not having access to these funds for 60 days will cause significant financial harm. When I asked if there was a way to expedite the account closure and check issuance, the customer service representatives said that there was nothing they could do to assist me and that they couldn't provide any more information, then they immediately ended the call.
Consumer complaint received 2021-06-04
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: EQUIFAX, INC. (CA)

There are XXXX accounts on my credit report that do not belong to me I have tried disputing these with the bureaus as well as the furnishers but nothing is being done I need to remove these from my credit report since I have not signed used or know what these accounts are!! 

Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I have disputed with this company on various occasions starting back since XXXX of XXXX. The company has received my disputes in XXXX, XXXX, XXXX, and in XXXX. Each response comes back with it being verified by a third party such as XXXX XXXX or the courts. When i send in supporting documents from both third parties stating there is no record of said bankruptcy they still tell me it's verified. It is now yeXXXX and i've yet to get a satisfactory/ accurate reporting, which has been hurting my credit status for years upon years. The last time i disputed in XXXX i did not get a response and the FCRA gives the company 30 days to respond. i have not gotten a response.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (NY)

My credit report is showing a collections account of {$0.00} from a SYNCB/Menswearhouse. This imformation is being incorrectly reported as the collections account has been removed from my credit report by XXXX XXXX.