davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (GA)

Account Name : SYNCB/HSN Account NumberXXXX Account Type Charge Card Date OpenedXX/XX/XXXX Status Account : charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXX After multiple disputes for over 6 months with this company they still have failed to validate this account. I still have not gotten any response in writing or by phone. I even contacted this company to try to settle the debt even though its not mine just to get it off of my credit report. This is negatively impacting my credit which is stopping me to live a quality life.
Consumer complaint received 2020-08-22
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 (MO)

I purchased an electric bike from XXXX 's Bikes, using my XXXX XXXX Credit Card. Immediately upon arrival after charging up the battery, the electric bike would not work or function. It would turn off by itself. I notified the owner of XXXX 's Bikes, and he sent me out a replacement for the user 's screen or control panel, thinking that that was the problem. I immediately started looking for a repair shop to replace the part. After an exhausting search, I was unable to find anyone that was willing to work on the electric bike. I then took it upon myself to find an online site to attempt to change out the battery and controller, which could have been the problem. I paid for the parts myself, had them shipped to me, and attempted to try replacing the battery. I thought that I had got it to work for at first, but I was very disappointed to see that the electric bike still would not work or function. The owner of the bike store began being very rude and disrespectful to me over the phone. I then decided to dispute the purchase. My credit card company didn't provide me any information throughout the dispute, nor after I was told that I would receive a letter of the results. XXXX XXXX Credit Card XXXX now decided in XXXX 's Bikes ' favor, and I have to dispute it again. How is it that a company can expect you to pay for something hasn't ever worked nor functioned as it was suppose to? In addition to that, XXXX 's Bikes inflated the charges for the electric bike being disputed. I have included both the original receipt of purchase, along with the receipt for the parts that I paid for. Please, advise and assist me on this matter, if possible.
Consumer complaint received 2020-11-18
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. (VA)

Hello, I sent a total 7 disputed requests to Equifax regarding the XXXX account XXXX XXXX XXXX no longer being serviced by the company and has been discharged and sold with a company Im currently working with to fix the issue. However Equifax hasnt completed an In-depth investigation or have reached out to XXXX or they wouldve known this and removed the item from my credit reiport. Instead they keep reporting it on my report late and marked, as derogatory. What happen to credit reporting agencies being held accountable? 

They have done a poor job with reporting accurate information when it comes negative accounts. I have attached an letter from XXXX admitting this account is no long with them. The XXXX Account should be deleted right away.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

I have received a Bill to pay my Goodyear credit card. I can not activate my online account to make a payment or reach anyone to help as the online error suggests I do. I have called 8 times and spent a grand total of 2 hours and 40 min listing to please hold for the next representative. My payment is due in 4 days and I have no way to pay it. This is BAD customer service. the worst I have ever dealt with.
Consumer complaint received 2020-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (KY)

Received checks and a banking card PIN number in the mail for a checking and savings account for Citibank opened in my name using precious address information. Contacted Citibank who confirmed that someone had opened both accounts online. I did not make request these accounts and requested Citibank to close immediately and reported as fraud.
Consumer complaint received 2020-11-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XXXX  XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I provided notice of a compromised XXXX account. The investigation has taken over 30 days and has not fixed the error in my report. My notices were not " frivolous or irrelevant '' ; the error is now causing hardship - AI, algorithms, and predictive analytics are biased, inaccurate and a systematic issue. My credit score goes up and down by 10+ points when I dispute out of retaliation or just plain old bias and ignorance. The investigation did not comply with the statute and CRA did not ensure the accuracy of the information transmitted for inclusion in the report. ( 15 U.S. Code 1681n. Civil liability for willful noncompliance. )
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OH)

I have recently received repeated requests to have me open a Lowes. I knew I would be purchasing several building materials for upcoming projects and figured it would be financially advantageous to use the Lowes credit card. I applied online, and went through their prompted questions and answered every one. Even complied with their requests to take pictures both sides of my drivers license id and to upload them into their application program. In addition, I complied with their request to take a video of my face for identification purposes. I did this even though I was extremely concerned about complying with these last two items. 

Today, I received a cryptic email telling me that I received a response to my application. It told me to login to Synchrony Bank, whereby following their instruction, I learned that my application was denied " Unable to verify identity with information provided when you applied ''. It provided absolutely no opportunity to allowing me to correct any perceived errors or information. I called Lowes and they forwarded me to Synchrony Bank, and was repeatedly told my application was denied, and that there was nothing I could do. 

I am extremely upset that I allowed them to access my credit information, and have not been given an opportunity to cure and possible defects they believe to exist. I have taken great steps to ensure that my credit is as impeccable as it can be, and feel that Synchrony Bank has damaged my credit rating with this poor credit approval process and even worse customer service. I STRONGLY ENCOURAGE THE PUBLIC TO AVOID ANY INTERACTION WITH SYNCHRONY BANK for the above stated reasons. Furthermore, I would also suggest that consumers avoid submitting any credit applications to Lowes, as they were completely unresponsive to my concerns in this matter. PS. I tried repeatedly to print out the letter from Synchrony but was unable to print or save this document from their website!
Consumer complaint received 2021-08-07
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. (NY)

XXXX XXXX failure to accept Federal Truth In Lending Act Striking a balance : when to extend the right to rescind under three years which occurred between XXXX XXXX and me. The the XXXXXXXX XXXX XXXX XXXX tow my car for a ticket. Was been forced to paid {$3500.00} with legal reasons. I informed XXXX XXXX. We both agreed that they would get the ticket paid for at {$350.00} and agreed to renegotiated contract attached voided the original car note as a provision. 

That contract was executed and XXXX XXXX reporting deragotory information on my credit up to date. They have the car and was released of all debts with proof attached.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

My husband and I have reached out to Equifax several times to correct the issue. My husband and I are both currently in a chapter XXXX bankruptcy. XXXX  and XXXX  are both reporting the bankruptcy as active and filed. Equifax is reporting the bankruptcy as dismissed. My husband and I have even had the assistance of a Credif repair agent attempt to correct the issue.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CITIBANK, N.A. (NY)

In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau.

All 3 credit reporting agencies say they havent received any information from Citi. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MO)

MY STUDENT LOANS WERE CONSOLIDATED IN XXXX BY XXXX. FEDSTUDENT LOANS RECEIVED PAYMENT FROM XXXX ONXX/XX/XXXX. I AM CURRENTLY UNDER AN INCOMEBASE PROGRAM WITH XXXX DOLLAR PAYMENTS. FEDLOAN IS STILL SHOWING ACCOUNT AS ACTIVE AND ACCURING INTEREST MAKING THE BALANCE HIGHER - COULD NOT GIVE ME THE BALANCE IN WHICH THEY ARE BASING INTEREST WHEN LOAN WAS PAID UPON CONSOLIDATION. SPOKE TO 3 DIFFERENT REPRESENTATIVES, ALL HAD A DIFFERENT STORY. THEY REFUSE TO GIVE ME MY PERSONAL DOCUMENTS. SOME REPS WERE RUDE AND GAVE FALSE INFORMATION. THEY ARE NOT ACCURATELY REPORTING MY STATUS WHICH HAS HAD A SIGNIFICANT IMPACT ON MY CREDIT AND SCORE. THIS WAS DONE XX/XX/XXXX.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MN)

THIS IS THE SECOND TIME THIS COMPANY " ENHANCED RECOVERY COMPANY '' HAS SHOWN UP ON MY CREDIT REPORT. IT HAS BEEN DISPUTED IN THE PAST, AND REMOVED, AND NOW ITS BACK! I DON'T OWE THIS DEBT! I HAVE NEVER HAD A XXXX BILL IN MY NAME! NEVER WILL! I DON'T EVEN LIKE THE COMPANY! I'VE BEEN TECHNICALLY HOMELESS FOR THE LAST 3 YEARS! THERE'S NO WAY I OPENED AN ACCOUNT WITH THIS COMPANY! ATTACHED TO THIS COMPLAIN, IS A COPY OF A UTILITY BILL THAT SHOWS MY CURRENT ADDRESS.
Consumer complaint received 2020-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (CO)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX CO, When looking at the contract the pay off was not applied to the loan company XXXX XXXX XXXX XXXX in the amount {$28000.00}. When I called about they claimed the check was sent XX/XX/2020 but the original loan does not have a record. When contacted XXXX XXXX they could not provide a check number.
Consumer complaint received 2020-11-17
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 (CA)

Synchrony Bank/Mattress Firm Account # XXXX I was under complete isolation due to the Corona Virus. I am XXXX years old and for the past year I have had severe memory issues ( verifiable ) Had no income for almost 1 year. 

In addition, I never received any notice ( either by email or by the Post Office due to the incorrect mailing address ). In addition I asked them to notify me by mail and not to use my email address. The reason being that Synchrony Bank had my incorrect address. They had it listed ( still is ) under XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX. The correct address is:XX/XX/XXXX XXXX XXXX,. 
XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX. ( in a large complex ). I telephoned their customer service and was transferred 4 times. I asked that my phone call be noted and added to my calls.. They offered me a one time late payment removal. There are 5 from the beginning Corona issue. 

I am asking them to remove these late payments, remove the late fee 's. I also offer to pay any past due amounts to bring my account up to date ... ... ... .They refused
Consumer complaint received 2020-11-17
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: JPMORGAN CHASE & CO. (CA)

I just logged on to my XXXX  Credit File and noticed a few Inquiries that I do not recognize and would like removed. FCRA states I have the right to proper credit reporting. 

Here are the following inquiries that need to be removed ... 

JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you ...
Consumer complaint received 2020-11-17
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. (FL)

on XX/XX/2020 an inquiry by XXXX  XXXX showed up on my credit report they said there is no application on my part for a credit card but they say they cant take it off to call equifax and they can fix it i did that and to no avail they had me call them back and XXXX  XXXX cant fix it because they said its equifax error so i went back and forth several times and was told by equifax that i need to file with ftc so here i am, i have had a XXXX  XXXX card for years and dont need another.
Consumer complaint received 2022-12-17
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: JPMORGAN CHASE & CO. (NY)

hello I was due to begin paying a loan for the total amount of {$2000.00}, with the first statement being billed on XX/XX/22 for {$170.00}, a private loan through XXXX XXXX and XXXX. The email in which I was receiving notifications on was hacked at the time and I did not have access to the notifications being received as well as the mails being sent to the wrong address. Given the unprecedented pandemic situation related to XXXX loans, and unclear communications constantly changing, I was under the impression after not receiving clear communication that all of my loans were under the federal deferment related to XXXX. These loans were subsequently late by 2 months due to the miscommunication rather than my inability to pay the loan in full, one on XX/XX/22 and one on XX/XX/22, however had three alerts on my credit report negatively affecting my credit score, two being after the date the loan was paid in full and two late payments on my credit report. The loan was paid in full on XX/XX/22, however negatively affected my credit score in the medium term and also causing me to get denied for a credit card in which I was applying for through my place of employment ( Chase Credit Card denied for on XX/XX/22 ). 

I believe at the very least I should have one late payment on my credit score, not two, given the loan was paid in full on XX/XX/22 and I got docked for XX/XX/22 and XX/XX/22 so that is just an error. However, I believe given the unprecedented nature of the communication, my clear ability to pay the balance promptly when properly notified, and the error of late payments justifies the fact to discredit the negative affects of the 2 late payments on my credit score as well as a denial of application of credit. 

I hope these comments are taken into consideration and the righteous improvements due to the error of the debt collection agency and or/XXXX XXXXXXXX in inaccurately reporting a credit past due is worthy of a correction and subsequent improvement to current credit score. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-17
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. (NJ)

The last time I sent out my dispute letters was on XX/XX/13. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/13. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XX/XX/13, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.
Consumer complaint received 2022-12-17
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. (NC)

In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (CT)

Fraudulent charges were made without using the card physically, I had the card in my possesion at the time. Here are the fraudulent charges : All were made in XX/XX/XXXX : XXXX, XXXX XXXX, {$100.00} / XXXX XXXX XXXX XXXX, {$1.00} XXXX XXXX XXXX XXXX, {$140.00} / XXXX XXXX XXXX {$12.00} / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} / XXXX XXXX XXXX XXXX {$42.00} / XXXX XXXX XXXX  {$77.00} XXXX XXXX  XXXX {$44.00} / XX/XX/XXXX XXXX XXXX {$21.00}
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MA)

A credit inquiry from Synchrony Bank credit card appears on my XXXX report as made in XX/XX/XXXX. The application for credit was NOT processed, as Synchrony could match my information to my credit report. After a number of phone calls, I was finally able to sort it out with a representative of Synchrony 's Fraud Department ( XXXX, North Carolina location, phone call on XX/XX/XXXX ), who confirmed that the initial processing of my data was done in error. Since by that time my experience with Synchrony showed that the bank 's staff was incompetent and unpleasant, XXXX and I agreed that there would not be further action taken on my application. XXXX also assured me that no inquiry would appear on my credit report. 

In XX/XX/XXXX, I discovered that, contrary to XXXX XXXX assurances, there is a hard inquiry on my credit report. Further discussions with Synchrony Fraud Dept ( phone calls on XX/XX/XXXX, XXXX, then XXXX, account manager ) were unproductive. The bank refuses to to consider the absurdity of claiming, via its official letter, that they couldn't identify me via my SSN and other personal information from my credit report, at the same insisting their placing a hard inquiry on it is a legitimate practice.
Consumer complaint received 2021-04-26
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harris & Harris, Ltd. (CA)

On XX/XX/XXXX I contacted Harris & Harris , Ltd., as they are collecting for a ticket that XXXX XXXX had no right to issue, expired registration. My vehicle 's plates were suspended prior to my registration expiring. My XXXX XXXX and I spent XXXX days trying to figure out why my car was towed. After XXXX days I get a ticket stub mailed to me by XXXX. XXXX XXXX, my XXXX got the whole copy of the ticket. I asked him what XXXX  or XXXX signed that ticket? No XXXX  or XXXX list or appears on the ticket. This makes the XXXX vehicle that has been STOLEN from me by said XXXX XXXX. The XXXX one was a motorhome, I got the letter of error XXXX days after my home was auctioned off by XXXX XXXX XXXX  Now I have issues with XXXX XXXX as it all started from a release form that said tow company requested from XXXX XXXX XXXX. XXXX XXXX XXXX said there was no citation issued so there is NO NEED for a release form. Now after XXXX days I am being told that a {$50.00} ticket cost me my car the same as the error from my home. 
Please help the reference number from Harris & Harris is XXXX, the violation date on this form is also incorrect as my car was towed on the XXXX of XXXX XXXX, not XX/XX/XXXX. The ticket says the issue date of XX/XX/XXXX. So where did all these changes all of the sudden come from? XXXX XXXX is what they are avoiding here as it very plain as day and I am owed in access of over {$24000.00} from this SCAM. 

Thank You So Much XXXX XXXX