davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX and financed it with a promotion of 24 months with 0 % APR XXXX XXXX XXXX. In my XXXX statement from Synchrony, I tried to locate the terms as advertised and I was not able to locate them on the statement. I looked in the online account information and it said I had no promotions available. I contacted XXXX and they said that Synchrony should have sent me an email outlining the terms when the charge was placed. I checked my email for Synchrony and no such invoice detailing promotional terms was located, only the notification of the new statement with the purchase included. 
I contacted Synchrony that same day XX/XX/XXXX XXXXCST and spoke with XXXX. I stated that I wanted to confirm that my purchase was under a promotion as I had no confirmation that it was. They confirmed I was under a 24 months no interest promotion. I stated that if there some sort of internal suggestion they could make of having the promotional details clearly included and detailed on the statements and the representative quickly stated that it was printed on the statement. I asked him how it was displayed on the statement and he said there's a code in front of the purchase ( along the lines of XXXX, or similar ). I let him know there was nothing on my statement with such a code and I believe that they then actually looked at the statement and determined it not to be there as they quickly reassured me that it was under the 24 month promotion and quickly asked if there was anything else they could help with.
Consumer complaint received 2019-10-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (CO)

In XX/XX/2019 I opened a new mortgage with Guaranteed Rate Affinity, which was later transferred to Guaranteed Rate. 

I received my first billing statement, dated XX/XX/2019, for XX/XX/XXXX, for the amount of {$1600.00}. The company address was listed as XXXX XXXX XXXX XXXX XXXX, IL XXXX. I paid this amount over the phone ( XXXX ) and received a receipt for the payment on XX/XX/2019. I received my second billing statement, dated XX/XX/2019, for XX/XX/XXXX, for the amount of {$1600.00}, which I paid over the phone and received a receipt for on XX/XX/2019. Same company address, same phone number. This second billing statement showed a new loan number, and also reflected my previous payment. 

On XX/XX/2019 I received a third billing statement dated XX/XX/2019 and debt collection notice. The company address was listed as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX. The third statement said my account was delinquent and overdue by {$3200.00}. It also referenced yet another new loan number. All billing statements were titled as originating from Guaranteed Rate. 

On Thursday morning, XX/XX/2019, I called the number on the third billing statement ( XXXX ) and was transferred to their debt collections department. The person on the phone indicated that they were a sub-servicer and had just received the mortgage with no prior payment information, and that my account was delinquent {$3200.00}. I was asked to fax over " Source of Receipt '' documents from my bank showing the payments, which I did Thursday night. 

I also contacted the original loan officer at Guaranteed Rate Affinity and emailed her all billing statements and receipts. On Saturday, XX/XX/2019, that loan officer said she forwarded the information to a manger in her servicing department. 

On XX/XX/2019, I called the phone number from the third billing statement and was immediately connected with the debt collections department. The person on the phone confirmed receipt of the Source of Receipt documents via fax, and said she forwarded the documents to her research department. She still showed my account as delinquent by {$3200.00}. While on the phone, I made a third payment for the month of XX/XX/XXXX, for the amount of {$1600.00}. I was then transferred to customer service representative. This representative told me that they would look into the matter, but it may take some time to apply the prior payments to my account. She said that the payment I just made was applied as a XX/XX/XXXX payment. She also said that unless I made another payment by XX/XX/XXXX to cover for XX/XX/XXXX, late payment remarks would be published to the credit bureaus. 

Over the last few days, I've received daily letters of threats of foreclosure.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 I sent a letter to the company requesting removal of several accounts reporting to my credit with incorrect information showing. I patiently waited 35 days and received no response at all. So I proceeded with another letter requesting this information be updated & corrected or completely deleted from my credit file. Today is XX/XX/XXXX and I have received no response nor have this information been removed. It is illegal practice as credit reporting agencies are required to report 100 % accurate information. These accounts are inaccurate and its very clear of that. The credit reporting agency is not complying with my investigation. Previously I was told that they were unable to locate my credit file. I sent ALL information needed. This was clearly an attempt to stall or completely stop the investigation process. I am now ready to file a lawsuit if I have no results of accounts being UPDATED with the 100 % ACCURATE information, or completely DELETED from the credit file under my social security number.
Consumer complaint received 2019-08-28
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To Equifax Dispute Department I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX because in the high balance section of this listing it is reporting ( {$3600.00} ) which is Less Than the Original Balance of ( {$3600.00} ). How could this be? The " high balance '' can not be lesser than the original balance. Please Delete! 

Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report.
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUN LOAN COMPANY INC. (IL)

Company is calling references to collect my debt. Informing family members and friends of my debt and harassing contacts and myself daily although they have been asked to stop calling. They were asked at contract signing to not call my references to collect a debt and they have still done so.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

On or about XXXX XX/XX/2020, I placed the amount owed on my credit card in dispute. Comenity Bank failed to place the amount in dispute. On or about XXXX XX/XX/2020, I received a letter stating that the amount was in dispute and that no fees or interest would be assessed to my account. On XXXX XX/XX/2020, Comenity Bank added an interest charge to the amount that was in dispute. On XXXX XX/XX/2020, on a conference call with XXXX from Comenity Bank and XXXX from Wayfair, it was obvious that in the last 2 months despite being told an investigation had been ongoing, Comenity Bank never conducted an investigation and continued to assess fees on an amount in dispute. During that call, XXXX from Comenity Bank heard that Wayfair did indeed fail to process a refund and that an additional credit would be applied - as I suspected and which was why I initiated a dispute with my credit card. I believe, as does XXXX, that when Comenity Bank broke away from Wayfair charges and pending refunds were not properly handled by Comenity Bank. I fear and believe that many other consumers were victims of Comenity Bank and that because of their tactics of delay and ignore and not do anything - many consumers have and will continue to be hurt by Comenity Bank.
Consumer complaint received 2022-01-07
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: LEXISNEXIS (MN)

I have called Lexis Nexis and XXXX several times. Neither company respected the consumer laws when it comes to my privacy, reporting to me with having full disclosure now according to the FCRA under 15 USC 1681 ( a ) ( 4 ) infringed upon the right to consumer privacy. I never gave Lexis Nexis to report or house any information on me XXXX is violating my consumer rights by proper not investigating my consumer report correctly. stated in 15 USC 1681a-e The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
every consumer reporting agency shall upon request and subject to 1681 h ( a ) 1 of this title clearly and accurately disclose to the consumer. Both companies in several violations
Consumer complaint received 2019-08-28
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: WELLS FARGO & COMPANY (FL)

I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Consumer complaint received 2019-10-25
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: Fidelity National Information Services, Inc. (FNIS) (NY)

I requested a " re-investigation '' into the information reported to Chexsystems by XXXX XXXX only to receive a letter back from Chexsystems saying that the date of bankruptcy filing was prior to the date of the information being reported, and that if I wanted to further dispute the information, to submit further documentation such as a list of creditors indicating that the specific account had been included in my bankruptcy. This just happened to be the exact same document that I submitted in my original dispute request to them, so they knew going in to the the dispute that the account was included in bankruptcy, chose to ignore my dispute, continue to create roadblocks, and report erroneous information. I then attempted to contact them to discuss the response letter and was informed that only one person in the entire company can speak with me regarding my file after providing them my consumer ID XXXX, and that I would have to wait for a call back, which of course took 6 hours, and I missed because I was at work, so who knows if and when I would ever be able to speak with " XXXX ''.
Consumer complaint received 2019-08-27
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. (NY)

Transunion keeps allowing the company XXXX XXXX, XXXX to report inaccurate information saying i owe them money on my report. I do not owe this company any money and all other credit reporting agencies had the information removed because the account is not mine and should not have been placed on my report. When i try to get the account removed Transuion allows XXXX XXXX to Parrot saying the information is verified but this isnt true. I certified mailed XXXX funding in XXXX asking for verification and recieved no response from XXXX XXXX. Transunion is willingly committing fraud against me by letting this inaccurate creditor report on my credit.
Consumer complaint received 2021-06-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Letter makes to credit bureaus and no response in 30+ days ; included were notarized copies of my social security card and drivers license.
Consumer complaint received 2020-12-11
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. (FL)

Hello, Well, I believe a big mistake happened and I became a real victim of identity theft. I kindly ask you to help me because I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Rocket Mortgage, LLC (FL)

Rocket mortgage a subsidiary of quicken loans called to offer a mortgage. I expressly said do not pull a credit report multiple times. Caller conned me by asking for last 4 of social for ID verification. I never wanted the mortgage and I never gave consent for credit inquiry. However thats what they did. They pulled credit report causing my score to be impacted. I am applying for a mortgage elsewhere ( I was already preapproved ) but this impacts my interest. They refuse to remove the credit inquiry that they pulled fraudulently
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I opened a card with XXXX XXXX XXXX  on XX/XX/2021. The credit limit of this card is {$300.00}. On XX/XX/2021, XXXX XXXX Bank reported to the Credit Reporting Companies that it had a balance of {$300.00} and that I paid {$30.00} on that balance. I have made the following payments on this card : {$40.00} on XX/XX/2021 ; {$30.00} on XX/XX/2021 ; {$150.00} on XX/XX/2021 and {$120.00} on XX/XX/2021. These payments have satisfied the account balance to {$0.00}. On XX/XX/2021, I returned an item purchased from XXXX XXXX and a credit of {$7.00} was placed on this Visa Card. 

I have called almost everyday for two weeks straight trying to get XXXX XXXX to update my Credit Report. They told me they could not do it until XX/XX/2021. I asked them to close the credit card, which they did on XX/XX/2021. I have spoken with the Credit Reporting Agencies on XX/XX/2021, and XXXX  XXXX has NOT reported a XXXX balance or that the card account is closed. 

XXXX XXXX has also failed to send me a letter stating the account is closed with a XXXX  balance. I have spoken with so many " supervisors '' at XXXX XXXX to try and rectify this situation to no avail. I have also disputed this card with the Credit Report agencies and each time, XXXX XXXX stipulates that I owe the debt. 

My husband and I are trying to obtain a mortgage and this is holding it up. XXXX XXXX XXXX  has failed to do it's due diligence and they are causing potential harm to my person.
Consumer complaint received 2020-12-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Inquiries that have no permissible purpose to appear on my credit report FDCommunity XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I'VE CONTACTED EACH COMPANY AND THE XXXX, XXXX  XXXX TRANSUNION AND ASK FOR PROOF THAT I CONSENTED TO THIS INQUIRIES WELL AS THE ACCURACY OF THESE INQUIRES AND I SENT BACK AND FORTH IM NOW REQUESTING DELETION
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (NY)

I do not owe this debt and its not on my credit report. 2. I do not have a contract with this company. 3. They repeatedly call me everyday and leave voicemails. On XX/XX/XXXX and XX/XX/XXXX are the latest.
Consumer complaint received 2022-03-11
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: FREEDOM FINANCIAL NETWORK (GA)

When I went to view my credit report someone have fraudulently opened a account in my name without my permission. I filed a police report and a identity theft report and listed Freedom Plus as one of the companies that is a part of the Identity theft. I have tried calling the company and have not been able to get this issue resolved. This account was opened in my name and my husband name fraudulently
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Dear Sir, Madam, I have been using an HSBC Premier Mastercard credit card since XXXX. I have always paid on time and in full my balance statement and have maintained since the beginning an excellent FICO scores, in between XXXX. 

However, since XX/XX/XXXX my financial data are not transmitted correctly anymore to some credit bureaus. 

After complaining in XXXX to the HSBC and XXXX  among others, I don't see any tangible results and again the past week I've been refused a credit card at XXXX XXXX and I've been refused to open a XXXX XXXX  XXXX account for exemple. 

XXXX  XXXX, in their refusal explanation letter XXXX Adverse XXXX XXXX attached ) stated clearly that my credit score is missing and not available. They use XXXX, XXXX, XXXX  and XXXX. 

HSBC US uses XXXX, XXXX  and XXXX, from what they told me. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an SBA EIDL loan for our partnership and I need other banks as HSBC US is winding down its retail market to close by end of this year they said in a letter. 

Thanks for your assistance in this issue. 
XXXX XXXX.
Consumer complaint received 2021-05-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: American Capital Enterprises, Inc. (CA)

I have called the creditor who owns a false medical debt to inquire about the collection. The original creditor pull the amount " owed '' as it was not valid. I have called the new creditor who owns this amount American Capital Contact XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX To make sure it's removed and they keep saying its been referred to legal and I do not get contacted. Today I called spoke with XXXX at the company and she repeated the same thing " No one is in and I'll get a call back ''. When I asked to complain I was told to write in or fax. The write in/fax option is designed to make it harder for consumers to get heard. XXXX was condescending and had no interest in helping and this violates my consumer rights because I am being prevented from speaking to anyone. This firm needs to be investigated.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I'm currently experiencing fraud with my checking account for XXXX XXXX. I called immediately and had my account frozen. I called experian and XXXX to have a 30-day freeze put in on my credit. My XXXX   XXXX XXXX is linked to my XXXX XXXX card so I called to explain the situation. The customer service representative assured me that I would not endure any late fees/negative credit reporting because the account is already closed and to make my payment once I can access my funds again. I was surprised to see the late payment open for my XXXX XXXX XXXX account. I called XXXX XXXX to have payments process to XXXX  XXXX XXXX but only some funds could be verified. This is currently an on going nightmare for me.
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX SUED MI IN COURT CASE # XXXX XXXX XXXX.THEY USE EVIDENCE PROVIDED BY GE CAPITAL . THEY COULD NOT PROOF THEIR CASE AND REQUESTED THE COURT TO DISMISS THE CASE BEFORE COURT DATE. SEE EVIDENCE ATTACH. THE CREDIT LAW STATED THAT IF FURNISHER OF CREDIT CAN'T PROOF OR VALIDATE THE ACCOUNT. THEY CAN'T REPORTED TO THE CREDIT AGENCIES. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT. 

ACCOUNT NUMBER ENDING IN XXXX.
Consumer complaint received 2021-11-15
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)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The 3 Credit Bureaus are reporting inaccurate information on SYNCB/CARE CREDIT XXXX Balance {$10000.00}. Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately.