davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Good day, the errors you are reporting on my credit are causing a lot of problems in all aspects of my life, this is really frustrating. You keep on disregarding my requests to correct inaccuracies on my credit report, this is a blatant violation of my rights as a consumer.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-05-15
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: SYNCHRONY FINANCIAL (MN)

We are small business owners and we shop weekly at Sam 's Club. On XX/XX/XXXX, we were approached by a Sam 's Club employee at checkout who asked if we wanted to " save {$30.00} today '' and " earn 5 % cash back on all purchases. '' We were provided a flyer to review the Sam 's Club Business Mastercard benefits by the Sam 's Club employee. We agreed that we wanted to apply for the Sam 's Club Business MasterCard. Our application was processed on the spot and we were informed that we were approved for a $ XXXX credit limit. We state that the 5 % cashback would be helpful and the employee agreed. The Sam 's Club employee then processed our purchases made on XX/XX/XXXX to the card and applied a {$30.00} credit to our bill leaving a charge to the card of {$250.00}. The bill for this new card arrived a week later. The balance was {$300.00}. Upon review, we noted the bill from Synchrony Bank indicated we had a Sam 's Club Business Credit Card, not the Sam 's Club Business MasterCard that we requested. My wife immediately called Synchrony Bank on XX/XX/XXXX and spoke to agent in Ohio named XXXX, Operator # XXXX on XX/XX/XXXX. XXXX told her that we qualified only for the " business credit card, '' and not the " business mastercard. '' We were not told this at Sam 's. Wife told XXXX that the Sam 's Club employee had misrepresented this and asked operator to close the account and provided bank information to pay the bill ( {$300.00} ). Wife then contacted Sam 's Club to complain. The employee I spoke to said they see many angry customers daily who come to customer service to complain about this same issue. The employee was uncomfortable with this apparent bait and switch tactic. My wife also spoke to a manager at Sam 's Club who apologized but tried to excuse the misrepresentation that occurred. Manager said she too applied but did not qualify for the Sam 's Club Business MasterCard at first, but that if we waited about 6 months, Synchrony might invite us to get the Business MasterCard at that time. This is a betrayal of the trust we had in Sam 's and Synchrony Bank is complicit in this predatory and fraudulent activity.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE (CO)

In the process of applying for a mortgage, the lender significantly interrupted my employment through urgent requests stemming from their own internal failures. 

Three days before closing, the lender called and sent three emails and two text messages within a 90-minute period urgently requesting a signature on a document that they had the ability to prepare at least two weeks earlier.

The lenders closing disclosure provided three business days before closing had errors totaling over {$10000.00}. I notified them of the errors the same day, but they did not provide a corrected version until closing. 

After closing began, they sent a third request for employment verification. 13 minutes after receiving the request for employment verification, the lender indicated that they had contacted an individual at my employer who they found on a public website. The individual contacted is not responsible for employment verification, nor are they authorized to provide the information. Furthermore, the lender was aware of the procedure my employer used to verify employment but did not offer me the opportunity to complete that procedure. 

The XXXX XXXX apologized for the errors multiple times throughout the process, but the repeated failures suggest ongoing systematic problems in lending in a manner that respects applicants time and employment situation.
Consumer complaint received 2020-09-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (NE)

Received a letter in XXXX from US bank loss prevention team in regards to a past due and delinquent account and they had been unable to each me. I had no previous contact. The letter stated that I needed to contact them to work it out to prevent further collection action. At same time had a credit report come back that noted my score had dropped due to a delinquent or late payment. I have nothing delinquent. I contacted the Loss Prevention Team on XX/XX/XXXX via the number provided to tell them I do not even bank with them, nor do I have an account. They said they couldn't do anything about it l, couldn't tell me if they had filed this against my credit, and forwarded me to the Bank Manager. The Bank Manager said he could not pull up my name on the account but also couldn't do anything and forwarded me to their Dispute Department. All my information was taken. I said I wanted to know if anything was reported on my credit and I wanted this cleared up and that if it wasn't corrected I would file a complaint. I was told it would be reviewed and I would get a written response within 30 days. I received no response as of today regarding my dispute of this attempt at debt collection. But today I got another letter, same as the one I received in XXXX but with a different amount past due. I am filling this complaint instead of calling them again as none of the 3 people I spoke to the first time appeared to care at all. Will provide a copy of the most recent letter. I have not obtained a new credit report as of yet.
Consumer complaint received 2021-06-19
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 — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA (AL)

Applied for Apple Pay unfreeze my XXXX  credit report for 2 days so my application would go through for my application to be processed I entered all my information correctly ( 2 ) times and apple credit card application can not verify my identity but will place inquiries on my credit bureau report.
Consumer complaint received 2020-09-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery has contacted me multiple times at work after I've asked for written validation of the debt they claim I owe. They have called on XXXX  from XXXX at XXXX XXXX, XX/XX/XXXX ( did not get the number ) XX/XX/XXXX at XXXX from XXXX, XX/XX/XXXX from XXXX, and multiple other occasions. I've asked repeatedly not to call at work and the calls seem to be getting more frequent instead of stopping. They have even left messages with coworkers on my days off.
Consumer complaint received 2023-03-18
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)

XXXX XXXX : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, DEPT OF EDUCATION / XXXX  : # XXXX, 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 604 A 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (UT)

XXXX XXXX XXXX & XXXX is reporting a late on my credit report for XX/XX/2020 and XXXX. I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 &  being Quarantined since XX/XX/2020 and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XXXX I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.
Consumer complaint received 2020-09-09
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: Experian Information Solutions Inc. (NY)

Today XX/XX/20 I am uploading additional information in regards to my XXXX XXXX XXXX card. I received this letter yesterday its confirming that this account is NOT reporting to the 3 credit reporting agencys. I have requested several times to please REPORT this account. I have a XXXX balance now with a {$4800.00} credit line having this information report would help my credit score significantly.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (NC)

I signed up for this card and never registered for an account on the website. We made a purchase at XXXX on XXXX. I have tried to setup an account online since that purchase and have been unable to. I have called the customer service line and entered the card and it automatically directs me to the customer service line. It then says it will connect me to an agent but it says they are working to restore service and hangs up. To recap I can not access easypay, register an account and I can not speak to customer service.
Consumer complaint received 2019-10-19
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. (FL)

I am a victim of Identity Theft through a data breach at XXXX XXXX XXXX. The accounts I have identified and notified Law Enforcement of on my credit report are truly fraudulent, I XXXX XXXX, do not relate to any of these transactions that were made or were applied for and resulted in hurting my credit score which I highly value. Despite prior disputes XXXX has not blocked, removed, updated or deleted this information pursuant to section FCRA sec 605B and 15 Code Section 1681, once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. These are the accountsIve identified as fraudulent to law enforcement : US Dept of Education : 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
Consumer complaint received 2024-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (WI)

Received notice of a small claims lawsuit filed by XXXX XXXX of XXXX XXXXXXXX XXXX XXXX XXXX, WI on behalf of XXXX XXXX XXXX, LLC without any prior communication, alleging they made a previous demand for payment and repeatedly sent monthly statements, and that I did not object creating an account stated between them and me despite me owning no debt and them having no contract or evidence of a debt.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (CA)

To : Blue Trust Loan Loan Department Regarding : Loan # XXXX Account Status : Active {$970.00} of of XX/XX/2022 Note : Paid by direct withdrawal from my Bank Account at this time XXXX Payment every 2 weeks as thats my payroll XXXX for XXXX a month for 9 months See table below. Please advise Compliant : I spoke by phone, with a Blue Trust Loans Customer Representative. I was actually looking for a payday loan, when called I assumed payday loan, the Representative offered me, XXXX, said no, but then she said XXXX, and I thought I could use the extra money and payoff in few payments. I thought. This Representative did did not provide me information regarding the interest rates. I was shocked, these rates were much higher than I had seen elsewhere. After, I was approved and sign I received my loan documents per phone, and busy at work, was not until late that night I check my email for the documents. I did not receive clear information, check your recording. 
I was so shocked to see this, what I did for {$800.00} dollars. For the {$800.00} dollars I was scheduled to pay back for {$3500.00} for 9 months. 
Please see below : Schedule Due Date Principal Balance Payment Due Ending Principal XX/XX/2022 {$800.00} {$120.00} {$790.00} XX/XX/2022 {$790.00} {$200.00} {$790.00} XX/XX/2022 {$790.00} {$200.00} {$780.00} XX/XX/2022 {$780.00} {$200.00} {$770.00} XX/XX/2022 {$770.00} {$200.00} {$760.00} XX/XX/2022 {$760.00} {$200.00} {$750.00} XX/XX/2022 {$750.00} {$200.00} {$740.00} XX/XX/2022 {$740.00} {$200.00} {$720.00} XX/XX/2022 {$720.00} {$200.00} {$700.00} XX/XX/2022 {$700.00} {$200.00} {$670.00} XX/XX/2022 {$670.00} {$200.00} {$640.00} XX/XX/2022 {$640.00} {$200.00} {$590.00} XX/XX/2022 {$590.00} {$200.00} {$540.00} XX/XX/2022 {$540.00} {$200.00} {$470.00} XX/XX/2022 {$470.00} {$200.00} {$390.00} XX/XX/2022 {$390.00} {$200.00} {$290.00} XX/XX/2022 {$290.00} {$200.00} {$160.00} XX/XX/2022 {$160.00} {$200.00} {$0.00} I was thinking I could pay off in several payments not XXXX times a month for 9 months. The interest rates were unclear and not fully explained to me not explained by the Representative that the total would be about XXXX dollars 9 months. This is s nightmare. 
I am angry at myself for falling into this situation with Blue Trust, even angrier that this company is doing to do this to people. I am sure I am not the only one. I requesting an investigation into this Loan by your company, and after reading online reviews, my question are you able to do business in California? I do pay my debts, but this is unacceptable and unethical. 
I am also, filing a complaint to the California Better Business Bureau And XXXX Attorney XXXX XXXX Thank you, XXXX XXXX XXXX XXXX : XXXX XXXX Cc : California Better Business Bureau XXXX Attorney XXXX XXXX
Consumer complaint received 2022-03-02
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)

There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, XXXX XXXX Equifax MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and US DEPT OF EDU Account # XXXX. 3 ) I as a consumer have the RIGHT TO PRIVACY pursuant to Title 15 USC 1681 ( a ) ( 4 ) - ACCURACY AND FAIRNESS OF CREDIT REPORTING, and the US DEPT OF EDU Account # XXXX, XXXX, XXXX and TRANSUNION VIOLATED MY PRIVACY. ALSO, US DEPT OF EDU Account # XXXX, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector XXXX not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to US DEPT OF EDU Account # XXXX ( BOTH ACCOUNTS ) TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY OF THESE FRAUDULENT ACCOUNTS ( XXXX - XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding US DEPT OF EDUCATION ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ). I demand BOTH accounts XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.
Consumer complaint received 2021-11-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

This company has violated multiple FDCPA violations. I have sent this company the list of violations they committed, a affidavit of truth along with a invoice to be paid by this company by check and sent to my address. According to 15 USC 1692k ( A ) it states " Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 
This company is causing me distress and I demand this company to pay the attached invoice and stop reporting inaccurate and unverifiable information to my credit report.
Consumer complaint received 2021-09-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My name is XXXX XXXX, property addrress is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The first mortgage is with XXXX  XXXX XXXX, the second mortgage is with Mr. Cooper, Loan number, XXXX, I entered into forebearance in midXXXX XXXX with Mr. Cooper and the forebearace ends XX/XX/XXXX. Since XX/XX/XXXX, I have tried many times calling and speaking with different Mr. Cooper reps regarding options, extending the forebearance to no avail. Mr Cooper states that the private investor is not bound by CFPB rules and the private investor is notwilling to extend or modify the second mortfgage. My last payment was XX/XX/XXXX for the regular amount of XXXX but that amount was put into a suspense account because the ballon payment was due XX/XX/XXXX total amount due is XXXX. I have contacted Mr. Cooper two or three times a month trying to get a solution but Mr. Cooper is unwilling to modify the loan and or extend forebearance. Please help.
Consumer complaint received 2021-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I never gave permission for my loan to be sold to Mr. Cooper/Nationstar. Unfortunately, I hear it's totally legal. Anyways, their company is TERRIBLE. 

On my first mortgage payment, they took double what I owed, on the XX/XX/2021 and XX/XX/2021. I've been trying to get it back unsuccessfully for XXXX weeks now. As a result, our bank account balance is negative and we have received penalties from our bank that we must now pay. Also, the entire situation is emotionally and financially stressful. 

I wish we could choose who our loan is sold to. This company is absolutely horrible.