davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs XXXX. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error. 

On XX/XX/XXXX they responded to another complaint saying, " The Bank removed the past due reporting for XX/XX/XXXX, and confirms the account is now reporting correctly with no negative marks, the account is closed, and the account has a {$0.00} balance. '' My credit report from this company still reflects 60 days late in XXXX. Their response was not accurate.
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (FL)

Today XX/XX/XXXX I receiveda debt collection notice in the mail from I.Q. Data International , Inc. for a debt to XXXX XXXX XXXX for {$190.00}. When I called I.Q. Data International explained that the {$190.00} is due for cable and utilities from XXXX. Since I never receiveda bill from XXXX XXXX XXXX for {$190.00}, and in fact only ever received a bill on XX/XX/XXXX for {$110.00} for the same period of time ( XXXX ), I told the representatives at I.Q. Data International , Inc. that I would like to contact XXXX XXXX XXXX to understand 1 ) why I never received a bill for the alleged {$190.00} that is now in collections and 2 ) why I am being billed for the same period multiple times. 

2 different representatives at I.Q. Data International , Inc., first a male and then a female, threatened that if I did not immediately pay or give them my employment information they would report the debt to the credit bureau and damage my credit. After explaining to the male representative that I had no problem paying for a bill that was due, but first wanted to contact XXXX XXXX XXXX to get a copy of the bill since I never received it, he told me that if I did not provide my employment information before hanging up he would report me as refusing to make payment. I specifically stated that since it was a recorded line I would like to state that I had full intent to make the payment, however, I wanted to speak to XXXX XXXX XXXX to receive a copy of the bill first. I was then put on hold and a very aggressive female took my call next. She was extremely rude, would not let me speak or ask questions, and again threatened that my credit would be damaged if I did not pay immediately over the phone. When asked for a breakdown of the itemized charges on the bill she spoke very fast and even after asking her to slow down because I was writting down the information she did not. I was not able to get an understanding of what was due since she would not slow down. She then tried to state that I should hang up the phone so that she could close my file and have it sent to the credit bureau. Again on a recorded line I stated that I had no intention to hang up the phone and asked her what my options were. She was not very clear but said I could hang up or she could close my file. I said thank you, and she said goodbye but she did not hang up the phone. I did not hang up either because I thought she may still be trying to " make me '' hang up the phone. I remained silent on the line until she hung up. 

I immediately contacted XXXX XXXX XXXX to ask for a copy of the bill that is now in collections, and why I am being billed multiple times for the same period.
Consumer complaint received 2024-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MD)

I have tried to contact the company who filed a judgement against my wife due to an unpaid credit card. The judgement resulted in a lien placed against my property. My wife passed away in XXXX  and I did not sign for or benefit from the credit card. Each time I tried calling the creditor I only get voicemail. I have left several messages for them to call me, but I have never received a response.
Consumer complaint received 2020-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT, I NOTICE THERE IS INFO ON THIS REPORT THAT IS NOT MINE. PLEASE REMOVE ACCOUNTS IMMEDIATELY AND SEND AN UPDATED COPY OF MY CREDIT REPORT.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CONTRACT CALLERS INC (GA)

On XX/XX/XXXX I was notified by my mortgage broker that a collection item was placed on my credit report. I contacted the collection agency, Contract Callers to resolve this matter. They stated that they are pursuing me for past balance owed for an old utility bill that I owe to XXXX XXXX XXXX XXXX XXXX. I was never informed of any outstanding bill owed. In XXXX I relocated from XXXX to XXXX, GA and during the relocation, I was advised of this charge. Nonetheless, I paid the amount owed to the collection agency but the collection agency refuses to remove the item on my credit report. Furthermore, I spoke with XXXX XXXX XXXX XXXX XXXX and they stated they will contact the collection agency to have this erroneous profile removed from credit report immediately.
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp (NC)

I would like for the LENDING CLUB to remove ACCOUNT # XXXX because it is showing {$0.00}. The account balance shows {$0.00}. As of date, this account is reportedly inaccurately on my report. I am asking that you do this now. I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.
Consumer complaint received 2022-01-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2020-05-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

When interest rates dropped in XXXX, my mortgage company reached out to me about refinancing. I locked in at 3.5 % with no points. Two weeks prior to that my boss informed me that we were going to have to shut down our XXXX XXXX  due to COVID-19 and she wasnt sure how many hours she could guarantee me. So I called my mortgage company to inquire about having a month deferred just in case. I was told they do not defer but they offer a forbearance and explained that it would waive any late fees and would not hurt my credit or if I wanted to refinance. I didnt want to do that because I didnt want to pay two months worth the following month. Well they put me on forbearance anyway which I did not want to and which I ended up not needing Because I was able to keep working and did not use. I have never been late with a payment or missed any payments and my mortgage is paid up to date. 
After a month of sending in documentation and trying to keep from using credit cards, I was called and told they were stopping the refinance because I went into forbearance. So for the last three weeks I have been getting nothing but the run around from them and they say there is a way to make it work and will call me. But now for over a week I have heard nothing. 
I still want to refinance but they have dinged my credit report and I have paid {$540.00} for an appraisal. My credit score is around 754 and should be higher soon since I just sold a car and paid off that loan. 
I reached out to another broker and was told that I can not refinance if there is any record of forbearance on me.
Consumer complaint received 2022-01-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (SD)

I bought my home in XXXX XXXX with an FHA loan and am facing a sale date on XX/XX/XXXX by the servicer Money Source. I have gone through a difficult time and hardship due to XXXX, XXXX XXXX for my mother and father ( now deceased ) and also because my fiancee moved out. I have never been considered for the government CARES Act Forbearance plan or been considered for loan modification by the servicer Money Source. I am trying to get them to postpone my sale date so that I can be considered for these government programs. I have been told that Money Source is required by the government to review me for both of these programs, but they are denying me access. I have gone through a very difficult two years and when I got back on my feet I contacted them to try and resume payments and was told that I had no options other than to pay back all the missed payments in one lump sum. This was not possible at the time, I wanted to resume making regular payments to fix this problem but they told me no. They said that was my only option, but now I have found out that since I have a government backed loan I should have been reviewed for the CARES Act forbearance program or for a loan modification, repayment plan, partial claim or forbearance. None of this happened and I am facing the loss of my home in a matter of days. I have tried calling Money Source several times to explain and request that they work with me, but they transfer me from department to department and tell me there is nothing they can do. I bought my home with an FHA loan in XXXX and made an {$11000.00} down payment. I have worked as an equipment operator laying asphalt for 9 years and with my income and the help of my fiance had no problem keeping up with the bills. However in XX/XX/XXXX my fiance left me and I was in a difficult financial position. Just a few months later Covid hit and it impacted my hours at work. This also coincided with my father 's XXXX  and XXXX getting worse to the point that he had to eventually go into hospice. At the same time my mother was going through XXXX treatment so I had to help them both out with transportation, appointments, prescriptions etc and was unable to keep up with my bills. At the time I was so overwhelmed between all of this chaos that I did not ask for help from Money Source because there was no $ $ to pay them. 

Things started to come back together for me in XXXX and work resumed with regular hours and my father passed. Since I was back on my feet I reached out to Money Source several months ago to resume payments but was told it was too late. No one at Money Source explained that the government had the CARES Act available for borrowers struggling with government loans -- -nobody told me that I could apply for a modification or some type of restructure of my loan, instead they just turned me down. I realize that this is last minute, but I believe I deserve a chance to at least be considered for these programs before they take my home away.
Consumer complaint received 2022-01-10
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. (CA)

In XX/XX/XXXX an account was taken out in my name in XXXX Florida for the amount of {$5000.00}. At that time, I was stationed in XXXX for the XXXX XXXX. I have never lived in XXXX. I filed a dispute in XX/XX/XXXX for this account and provided my military orders and an FTC Identity Theft Report. Equifax initially agreed with my dispute, removed it from my report and added a fraud statement to my account. In XX/XX/XXXX I received a letter stating that the company that now owns the closed account disputed my dispute and " certified '' that this was my account. To this day I have not been able to get in touch with this company nor received any proof that I took out this loan. I re-disputed with Equifax in XX/XX/XXXX and they denied my dispute, even though they agreed that all XXXX addresses associated with my name were fraudulent.
Consumer complaint received 2022-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I have mailed a letter to the XXXX collections and to the credit bureaus on a debt for an apartment complex that does not tie back to me. I have asked that they remove the debt from all 3 reporting agencies and the home leasing agencies. The information keeps getting updated with no legal proof that I entered into any agreement with XXXX collection agency. This is a clear violation, Hunter Warfield has failed to provide me with a requested contract that contains my signature, and not just a letter from them saying the debt is owed. That does not meet the burden of proof. Under consumer law all of the above listed companies are in violation of my consumer rights.
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (DC)

'I C System ' is trying to collect a debt of {$300.00} on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX - Debt has been in the collection for almost XXXX years. I was unaware that the collection was in place ( no notification via mail, email, or phone ) and was actively ruining my credit. XX/XX/XXXX, I received a call from an investigator running a background check regarding this financial debt delinquency ( First notification about this debt ). I immediately called XXXX XXXX and XXXX and they confirmed that the account is paid in full and closed since XX/XX/XXXX. I called I C System multiple times trying to figure out what was going on and whether they had any documents proving their right to collect a debt. I C Sytems repeatedly hung up the phone on me.
Consumer complaint received 2022-01-10
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. ()

The company XXXX XXXX keeps pulling my credit report every couple of months. I went into arrears with a loan I had from them in XXXX and I ended up in the hospital for several months. I am now trying to pay off the loan, however they have hit my credit 5 times last year without my authorization and already 2 times already this year. How am I suppose to fix my credit if they keep pulling it without my consent. They closed the file in XXXX and reopened it and they keep doing that The dates it has been pulled are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-05-14
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: Experian Information Solutions Inc. (PA)

I am writing to exercise my right to question the validity of the debt your agency claims I owe, according to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer required to remove inaccurate derogatory information from a consumers file that can not be verified. I would like to see a complete list of all documents and correspondence in regards to the below accounts. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX  XXXX XXXX   XXXX  XXXX  XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020 I was approved for an Amazon Store Card from Synchrony bank. I did not make any purchases using the card. The only balance on the card was from my XXXX XXXX subscription, which apparently moved automatically from my existing credit card over to the new Synchrony Card. 

I applied for the card expecting to be able to make payments online. However, every time I tried to use the Synchrony website 's " pay as a guest '' feature, I was met with a nondescript error message ( something along the lines of " unavailable. try later. " ). I never would have applied for the card had I known paying online was not an option for me. Synchrony 's customer service was not able to resolve this. 

Due to the a ) unforeseen balance on the card and b ) inability to pay online, I racked up delinquencies on the card. The resulting impact on my credit was way out of proportion considering the circumstances, and the fact that this all stemmed from the {$9.00} subscription charge with no other purchases. 

Upon explaining the situation to Synchrony Bank 's customer service, I was promptly shut down and to my knowledge no report was filed and no additional information was relayed to the credit reporting agencies. 

The net effect is that one {$9.00} charge and a faulty website have affected my ability to get approved for an apartment.
Consumer complaint received 2022-02-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Westlake Services, LLC (LA)

They sold me a lemon the car is junk it been broke sitting park and he dont wan na work with me he said to contact his lawyer the car has outrageous miles they have me paying XXXX an something an I put XXXX down on a car thats not worth nothing he knew he sold me a lemon an told me to file my lawsuit an they dont wan na give me my money back for a XXXX  XXXX XXXX XXXX XXXX XXXX is the name of the company in XXXXXXXX XXXX
Consumer complaint received 2022-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

MY LOANS HAVE BEEN IN FOREBEARANCE OR DEFERMENTS FOR A VERY LONG TIME. THEY ARE REPORTING ON MY CREDIT REPORT AS LATE. I AM ASKING FOR THEM TO MOVE ALL THE LATE PAYMENTS
Consumer complaint received 2020-05-20
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: I.Q. DATA INTERNATIONAL, INC. (GA)

I tried to dispute an account on my credit report with the address provided, and it came back with a return to sender label. By Law ( FCRA section 623 ) every account must be disputable. I have attached supporting documentation to support my position.
Consumer complaint received 2022-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

PayPal refuses to release my funds citing a need for additional forms of ID ( Ive given them it already ), blaming the sender and suggesting that I buy an XXXX XXXX instead of using my ( up to date ) XXXX. 

This is over {$50.00} and I believe the inconvenience to be a trick to get my banking info since every rep says I could just link a bank account and the problem would be instantly fixed. 

Theyve also refused to just mail me the money, citing a need to confirm my identity even though they have my address and ID PLUS ITS JUST {$50.00}! 

Please follow up, this is a predatory practice
Consumer complaint received 2023-06-29
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. (TX)

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 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 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. SYNCB/CHEVRO is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus . Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( SYNCB/CHEVRO XXXX )