davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NM)

The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX  {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX
Consumer complaint received 2022-01-06
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: CITIBANK, N.A. (NY)

My XXXX 's credit card was stolen, compromised and used to make fraudulent charges on XX/XX/21 in the amount of {$1100.00}.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I was incarcerated as the XXXX of XXXX. My account was taken advantage of and my money was stolen. I had no Acknowledgment of the activity. My bank will not take my statement seriously and I need to be understood
Consumer complaint received 2017-12-15
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: DISCOVER BANK (TX)

I am having discover credit card for years now. 
During last 3 months - I am facing very strange issue. Any time when I am using my work laptop to access Discover card account and use the Discover deals - Discover thinks that I am accessing my account outside of USA which is incorrect. I am very much in XXXX XXXX. No other website is thinking that i am outside of USA. 
Even " XXXX XXXX XXXX '' states that my IP Address : XXXX Due to the above and certain other issues - I am not sure whether I will be getting 5 % cash back on XXXX deal that i placed the order using my Discover card. I have been following up with Discover but not getting any serious response from them. 

Another issue - Secure message center does n't allow sending the attachments otherwise Discover customer service can see all the screen shots Infact this wrong location of Customer is impacting other Discover customers also that I am aware of. My wife and my friend also. But discover is simply in the denial mode. I had recently relocated from XXXX XXXX to XXXX XXXX  during XX/XX/2017
Consumer complaint received 2022-10-04
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. (CA)

In accordance with the Fair Credit Reporting act 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 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NH)

I just obtained my free Annual Equifax Consumer Report and there are at twenty-six " soft inquiries '' from " XXXX XXXX XXXX XXXX '' over the past three years ( XX/XX/XXXX to XX/XX/XXXX ). Almost a monthly inquiry and I do not know how long Equifax has been illegally allowing " XXXX XXXX XXXX XXXX '' to be excessively accessing my credit report, when I have NO business with " XXXX XXXX XXXX XXXX. '' I also object to Equifax illegally allowing " XXXX XXXXXXXX XXXX XXXX '' to be accessing my credit report with six soft inquiries in a consecutive sixteen day period from XX/XX/XXXX to XX/XX/XXXX, when I have NO business with them.
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

XXXX  is inaccurately reporting information to my credit report I disputed inaccurate student loans an eviction and a auto thats way out of the statue of limitations and they dont respond Ive sent countless letters to them student loans show different dates everything is inaccurate and should be removed immediately
Consumer complaint received 2020-09-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUMMIT FUNDING, INC. (AZ)

I have called summit funding which is my mortgage lender multiple times on a double escrow base taking out of my account from two different companies. I have went through the process of showing the first company that pulled out of my escrow for home insurance that I was utilizing the one that I chose. I never authorized the first one to pull {$520.00} out of my escrow and the first place and that money has never been returned to me and now my escrow balance is in the negative period I've been dealing with this problem with summit funding since XXXX I have called them multiple times sent emails multiple times and I can not get the situation to be reviewed and my money returned to my escrow. Now my monthly mortgage bill has gone up almost {$200.00} more a month.
Consumer complaint received 2020-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: United Docu Prep, Inc. (WV)

This is a debt relief company and they have charged me fees for nothing. UPFRONT FEES. And, they refuse to return my money. These guys are a SCAM. I have made FOUR payments of {$120.00}, almost {$500.00} in 4 months when my loans were supposed to be on COVID forbearance and they still have not done anything! NOTHING! It is IMPOSSIBLE to get a hold of a " manager ''. Finally I talked to " XXXX '' or " XXXX '' today or whatever his name is. The " MANAGER '' tells me, " Oh we had to submit a paper application and it was denied. '' DENIED? You did not get me approved when you submitted my application 4 months ago AND YOU STILL TOOK MY PAYMENTS?? Worst part? HE REFUSED TO REFUND MY MONEY - instead he told me he would refund 1 payment of {$120.00}. HUH? What was the rest used for? UNITED DOCU PREP CHARGED ME UPFRONT FEES. I was still getting charged fees and the application was actually denied over 45 days ago. UPFRONT FEES. The " paperwork '' and the " Sales Rep '' stated 100 % money back guarantee. Here it is 3 weeks later and FINALLY I reach a " MANAGER '' and he refuses to return my money and wants to keep my UPFRONT FEES. WHAT THEY ARE DOING IS ILLEGAL AND NEEDS TO BE STOPPED ASAP. This is blatantly against the law.I STILL HAVE NOT RECEIVED MY REFUND. They charged me fees and never did anything and surely never completed anything.
Consumer complaint received 2020-07-17
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. (CA)

They got my name wrong on my credit card and I was never able to see that account on my mobile phone 's app or online. I didn't get the billing amount for that account. They have. closed my credit card and left two late payment mark on my credit account.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (SC)

I received an email stating that I had been denied for a Lowe 's credit card I did not authorize for anybody to use my information to open up an account nor did I try to open this account they tried opening it up on XX/XX/2020 XXXX XXXX.
Consumer complaint received 2020-07-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Hi guys. I'm hoping you could help me with a little problem I'm having. I can't seem to get the credit bureaus to investigate an account I disputed through them. I sent them a letter over a month ago and I haven't seen any letters come back to me telling me if my account was deleted or verified. I've disputed things with them in the past about 4 to 5 years ago so I'm familiar with the process. None of my disputes in the past ever took this long so I'm really worried they are just ignoring me. 

The letters have the right address so I know it's not because I sent them to a wrong place. Can you make them investigate this for me please? This is the only collection account on my credit report and I don't owe it. Thank you for helping me with this.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Comerica (MO)

On XX/XX/2022, I purchased an item from an ad seen on XXXX from a seller called " Onedaystuff ''. The purchase price was {$24.00}. There was no confirmation number or email. Checking the charge with my cards app, I noticed a charge in the amount of {$210.00}. I immediately attempted to contact the seller, but all links were dead and the sellers XXXX profile was gone. Typing the address into a browser returned a 404 message " not found ''. On XX/XX/2022, I contacted my card issuer " Direct Express '' and informed them of the fraud. The debit card was immediately deactivated and a new one issued to me. I initiated the dispute procedure and received the paperwork by mail a week later which I filled out and returned the next day. My bank replied by mail on XX/XX/2022 denying my claim, stating that the transaction was authorized and I should resolve the issue with the merchant directly. A merchant that is impossible to reach and has never shipped the product to date. 

I continue to see identical ads on XXXX for the product but with ever changing seller names.
Consumer complaint received 2020-07-17
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. (DC)

I have been searching for a car loan for the past six months - each time I have authorized a car dealership, including XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, to pull my credit, it results in multiple - 4-6 inquiries on my credit report since they insist that each auto finance company needs to pull its own report. 

If this is not illegal, it should be as it is causing irreparable harm to consumers. Each inquiry deducts two points from an individuals credit report and my credit report has fluctuated as a result. 

Since last fall, I have had more than two dozen inquiries from auto finance companies although I have only authorized four inquiries. I am requesting that this arcane, burdensome practice be ended. Further, I would like the credit reporting companies, Equifax, XXXX and XXXX XXXX, to remove these inquiries from auto finance companies as I have requested in writing. 
In addition, XXXX XXXX insisted that they needed to pull my credit - resulting in another four inquiries - even after I presented them with an approval for auto finance from a company, XXXX XXXX XXXX XXXX, that they told me they are familiar with. They went further and said that even if I was paying cash for the vehicle and did not need financing, they still had to pull my credit report and insisted I authorized the inquiry before they would allow me to proceed further with the purchase. 

This should be illegal and is particularly deleterious to those of us who need to finance an auto purchase. Please end this practice immediately and instruct the credit reporting companies to treat multiple auto finance inquiries over several days as one, deducting just two points for auto finance reports pulled over 14 days ( if any ) rather than two per inquiry.
Consumer complaint received 2020-07-17
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. (OH)

I changed my name on XX/XX/XXXX and Equifax has not yet updated my name ( both XXXX  and XXXX  did this with no interaction on my part ). Over the past two years, I have contacted Equifax at least 15 times - with 8 of those being in the last month. I have provided documentation ( SSN Card, Driver License, Passport ) and Equifax agrees that they have the documentation to make the change - however, the do not make it. Each time I am told it will be fixed immediately - only to find later it was not. I have spend at least 10 hours on the phone with them to no avail. This is impacting my credit report, although my SSN has not changed, Equifax shows that I have no reported credit since XXXX ( which is simply not true ). Most recent disputes were submitted on : XX/XX/XXXX, XXXX, and XX/XX/XXXX. In addition, I have called Equifax muliple times to resolve this issue and spent several hours on the phone. Most recent calls were on XX/XX/XXXX and XX/XX/XXXX - both times I was told issue was corrected immediately and it was not.
Consumer complaint received 2017-12-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (CA)

This loan services fraudulently and keep my escrow refund for almost 4 months now, for {$910.00}, and they removed the {$94.00} out of my total escrow refund, since 4 months, they told me, that they will overnight it, and until now I did not received it, they should increase the money Im inspecting, there Cash department, had some fraudulently practices as well and they never do there jobs, this institution should be investigated, they are using my money, and fraudulently hold my escow refund, there supervisors did there part, but the manager did not do any action of this matter, they never called, me I Know that you are helping a lot of consumer, and I hope that they will be investigated, for fraud practices, delaying the refund, then used to there account. For four months i spoke to ID XXXX, XXXX, XXXX, XXXX, XXXX, and the answered are all the same overnight, and its four months now, I never received the escrow refund, and, there practices is hold my refunds, and used and invest to there other account.
Consumer complaint received 2020-07-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.
Consumer complaint received 2022-10-04
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 found an investigation about incorrect items on my credit report on XX/XX/XXXX I havent got a response as well past 30 days from XXXX XXXX Equifax and XXXX
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (GA)

XXXX ( amount= {$8500.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX ( amount= {$4400.00} ) XXXX the account has been transferred to another creditor ; should be removed from credit report XXXX ( amount= XXXX ) Account Status= Negative the account was closed and paid in full with no late payments XXXX  XXXX XXXX the account has been paid in full to delete from credit report ; please remove XXXX XXXX ( XXXX XXXX ) the account has been paid in full to delete from credit report ; please remove XXXX ( XXXX ) the account has been paid in full to delete from credit report ; please remove Please remove all of the following account off my credit below : XXXX  Unverified account XXXX XXXX XXXX Unverified account XXXX XXXX Unverified account XXXX  Unverified account XXXX XXXX Unverified account XXXX Unverified account XXXX Unverified account Contract Callers XXXX Unverified account XXXX XXXX XXXX XXXX Unverified account XXXX XXXX XXXX XXXX Unverified Account
Consumer complaint received 2020-07-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CL Holdings LLC (CA)

I had a Visa credit card and fell on hard times but continued to stay in contact with them. Visa sold my account or debt to Jefferson Capital Systems , LLC. My bank account was levied in XX/XX/2019 and I was not formally notified by Jefferson Capital Systems , LLC to appear in court to dispute this judgement. I filed a claim of exception to appeal this decision to the levying officer and Jefferson Capital Systems , LLC never responded therefore allowing the levying officer to authorize my bank to release my account from a month long hold.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Account reporting to my credit report shows a change in the name of an Original Creditor. However, after some research i discovered that the name change occurred with a company that i have never had a contract or business with as they were not in business that year. XXXX XXXX who was formally known as XXXX XXXX is still in business and not XXXX " XXXX on XXXX ''
Consumer complaint received 2020-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (WI)

I have been receiving various bills from Americollect representing various hospitals in Wisconsin and enough is now enough. I do not attend these hosptials and the most recent one is from XXXX XXXX XXXX Hospital for XXXX. Several years now Americollect has been doing this and ive been blindly paying amounts that I do not owe in fear of my credit report. I have contacted Americollect about these debts that are not mine and the recorded phone calls have ended up in the operator saying they are not sure how to handle fraud, and me being hung up on. This is a serious and extremely crippling financial scam that I now need to spend more money for an Attorney to fight this company ( s ). When does it end? When will they stop? I do not go to these hospitals, XXXX XXXX XXXX has been the major culprit. Please some one has to know something on how to stop these people.
Consumer complaint received 2020-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (TX)

I have repeatedly attempted to dispute charges that I did not do and have consistently made monthly payments so that my credit is not destroyed. I have for 2 years dealt with this and my mother has been stressed and was hospitalized after XXXX/XXXX  with her XXXX XXXX while also dealing with this while I've been on school. I have repeat8called to deal with this as I am going to also file a complaint with the Attorney General and FTC.
Consumer complaint received 2020-07-17
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

i recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. I am very stressed and concerned, i have been sending letters before this and still no response.
Consumer complaint received 2020-07-17
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

Have been disputing this account as not mine for the last 7 months. I have sent request to the credit bureaus as well as to Jefferson Capital Systems directly and they have not sent me a response back or proof showing that this is my account bearing my signature. They continue reporting this fraud account on my credit report. Violating the FDCPA and FCRA.