davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MN)

I was opened an XXXX XXXX XXXX XXXX XXXX. 

Card was sponsored by Synchrony Bank : Address : XXXX XXXX. XXXX, FL XXXX I have made one purchase on that XXXX Card in the amount of {$36.00} on XXXX XXXX, XXXX. The Only 1st and last Purchase I have ever done on that card. 

I made full payment on the exact amount on XXXX/XXXX/XXXX with XXXX because they said, they have't received the check i mailed to them. XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, I called back XXXX and they have confirmed they have received the money and no balance or charges in the account. Since, they no transaction made on this card by me or other parties. 

XXXX XXXX, I found a collection account opened by XXXX XXXX XXXX They reference purchasing this account from Synchrony Banck. 

At the end of XXXX XXXX, I have contacted XXXX Card Department, but they told me the account was sold to XXXX. 

I only Made one transaction on that account and it was {$36.00} which I paid in full. 

They did n't had good answer so, they told me contact XXXX XXXX XXXX which is A collection agency who put this on my credit history. 

on XXXX XXXX, XXXX, I wrote a letter to _ XXXX XXXX Synchrony Bank and XXXX XXXX, On XXXX XXXX, I received letter from Synchrony Bank Stating this account / matter relating was sold to XXXX XXXX XXXX, on XXXX/XXXX/XXXX I have not heard from XXXX XXXX XXXX - now the account balance on record is {$180.00}
Consumer complaint received 2017-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I just viewed my credit score on XXXX XXXX and noticed that my credit score that is pulled from transunion has decreased by 11 points again. The only change I see they keep changing my address. Each month I receive notice that my address has changed and a new address is listed. I tried to contact transunion in regards to this and was unable to get through to them. My address is XXXX XXXX XXXX NOT XXXX XXXX XXXX. I am also complaining that they are still reporting XXXX XXXX XXXX XXXX as a negative account on my credit report. I have been disputing this account for over 8 months now. It was finally removed from XXXX  but still appears on transunion and XXXX. This information does not belong on my credit report. It has been verified to remove and or block from others seeing but they still are not blocking it and or deleting it. This wrong information is affecting my credit score in a negative way.
Consumer complaint received 2017-12-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC (TX)

I have received a response to complaint # XXXX along with documents provided related to this account. The response does not satisfy my concerns. XXXX XXXX supplied documentation and again the information they are reporting to the credit is in fact incorrect. Compliance Specialist, stated XXXX XXXX provided documents for a repossession on account number XXXX. However, if she reviews the account data she will notice the information is incorrect. The address listed on the notice is incorrect. The address was XXXX XXXX, XXXX, TX XXXX. XXXX XXXX was fully aware of the correct address. They can reference the correct address by reviewing account number XXXX. In addition, representative XXXX XXXX (possibly misspelled) was contacted on XX/XX/XXXX @ XXXX CST @ XXXX ext XXXX and was provided with the address details. In addition, XXXX would have supplied a change of address as one was on file since XX/XX/XXXX. Any notices sent from XXXX XXXX would have received a return change of address. Again, XXXX XXXX at the correct information for their files. The documentation within itself contradicts what XXXX XXXX notes in her letter. It is not my responsibility as a consumer to advise a data furnisher or credit bureau what is reporting incorrectly. Related to account number XXXX, the information provide contradicts the documentation provided as well as what is being reported.
Consumer complaint received 2016-10-07
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CITIBANK, N.A. (GA)

XXXX XXXX XXXX keeps reporting on a debt thats 8 yrs old and threatens to take me to court to sue me for that debt. The statue of limitations has passed, I 've disputed the debt, it was removed and then they reported it again and now it 's back on my credit reports.
Consumer complaint received 2017-12-29
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. (CA)

Please see attached Complaint Number XXXX against XXXX XXXX, copy of XXXX response deleting the late payments, copies of my latest credit report. 

I filed a complaint against XXXX with regards to XXXX account XXXX. XXXX responded dated XX/XX/XXXX that they already submitted a request to all the credit reporting agencies to remove lates reported in between XX/XX/XXXX to  XX/XX/XXXX. Despite XXXX sending the request to the bureaus, more than 30 business  days had passed, the late payments are still in my report. I am now willing to file a lawsuit against the bureaus and XXXX due to their negligence and none compliance.
Consumer complaint received 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS This is actually the continuation of the same problem that I have complained about twice and which have been responded to by the company, SLS.

Unfortunately they made false statements about not charging fees and their accounting system is a mess.

I am one month behind in my payments, yet theyve managed to somehow determine that I owe over {$5000.00} ( my mortgage payment is roughly XXXX ). They have sent me a notice of default and notice of intent to foreclose based on completely incorrect numbers. I have bank statements just as I did the first two times which contradict their figures. Furthermore, the principal balance due has actually increased because of the way they manipulate the money.

I tried to make sense of it using their website but there is no coherent statement available, and the transaction history makes absolutely no sense ; it is filled with minuses and pluses that cancel each other out, transaction amounts that I had nothing to do with since I pay consistently through my bank, and notations like XXXX XXXX - a system that is intentionally confusing, so much so that their employees dont even know how to interpret it.

Ive attached a section of just 20 transactions - all taking place on the same date, as an example.

I am in contract to sell and need to have this resolved immediately, and again I very strongly suggest this company be investigated.
Consumer complaint received 2017-12-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION (AL)

I applied for a payday loan with XXXX on XXXX/XXXX/XXXX. I received an email stating the loan was finalized. I never received the funds so I called the company. They said the loan was denied and I would receive an email detailing the reason for the denial. I did receive the email and the reason for the denial was that I had another outstanding loan. I then called XXXX XXXX and was told that I have an outstanding loan with XXXX, even though the loan was never approved. No one at XXXX seems to be able to resolve this issue and no one has been able to assist me with having this information removed.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law the discharged/dismissed Chapter XXXX bankruptcy listed does not include this information and should be deleted from my credit report
Consumer complaint received 2017-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Louis M. Turchiarelli Attorney at Law (GA)

This was an unsourced line of credit and the business closed over 14 years ago and I was a guarantee. XXXX has been and still is billing me when the business is going out of business. they went after me the first 7 years to try and only after selling the loan to a collections XXXX XXXX XXXX  XXXX. They in returned garnished my wages while XXXX whom had sold the loan and I sign an agreement to try and repay then attorneys from and was unable to meet the obligations, Both XXXX and the Collections company was hindering me. I refinance my mortgage in XX/XX/2010 and was made to remove the XXXX that was put against me only to have the same attorneys office file another banishment and XXXX on me personally. This has been going on for 17years and I am going to Sue
Consumer complaint received 2017-12-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

My account was transferred from XXXX to SLS Loan Servicing in XXXX XXXX. I was unable to make my XXXX payment with XXXX and called SLS. They took a payment over the phone XXXX as my account was not set up yet. That payment was never applied to my account. I have called numerous times going over the information and was told, yes we see the error and it has been escalated. The month after that my statement still showed a past due amount, called and they said yes your account is flagged to review because of the transfer. They said do n't worry, no late fees or past due will be reported to the agencies. I work at a mortgage bank myself so I know the process all too well. We are in XXXX and the issue is still not resolved and I ca n't get a manager on the phone. 

Below are my transactions XXXX payment made via phone XXXX for {$600.00} ( confirmation XXXX ) XXXX payment made XXXX for {$600.00} as my account was finally set up XXXX payment made XXXX for {$600.00} XXXX payment made XXXX for {$600.00} XXXX payment made XXXX for {$620.00} XXXX payment being made today for {$620.00} I am unable to make payments online as it is asking for past due amount ( which I do not owe ). I need to make the payment via bill pay through my bank which is why XXXX payment did not process until XXXX and my payment today will not process until the first few days in XXXX.
Consumer complaint received 2017-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Continental Finance Company, LLC (CT)

Continental Finance credited my account in the amount of XXXX on XXXX, this is for a disputed charge from XXXX, I was sent an empty watch box from this company. The bank has not credited interest and fees associated with charge, the account is now paid off with a zero balance. Since they agreed to resolve a prior complaint and credit my account, they should also credit all interest and fees associated with charge. Please advise them I need a check for this amount ASAP as the account is paid off and closed.
Consumer complaint received 2017-12-29
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)

My name is XXXX XXXX. The credit bureau is refusing to remove two bankruptcies from my credit report that are not my accounts. I have never submitted nor filed for bankruptcy in my life. I am XXXX years old and I've been dealing with credit for a very long time. A recurring issue I've had to fight with the credit bureau about is that they will report other persons' accounts on my credit that are not mine. This has happened to me before and is the exact same situation that is happening with these two bankruptcy accounts. The first one has a filing date of XX/XX/XXXX with reference #XXXX. The second one has a filing date of XX/XX/XXXX with reference #XXXX.
Consumer complaint received 2017-12-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (NJ)

Dear Customer Care, I would like to inform you that this does not belong to me. I have previously reported and it has been removed from all of the other credit bureaus except XXXX. Please Kindly remove this from my XXXX credit profile. 

SUNRISE CREDIT SERVICE XXXX Thanks XXXX
Consumer complaint received 2017-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OH)

Today I received a letter from Convergent Outsourcing, trying to collect money for a debt I paid off and had removed from my credit report years ago. When I called, I told the representative that the debt had been paid and that the statute of limitations had passed regardless. I asked for a supervisor and a fax number to send proof of payment and I was hung up on. This happened three more times, along with threats of arresting me and a court case pending. The debt was owed originally to XXXX, who I called to ensure I did n't owe anything further, which was confirmed. To be treated snidely and threatened even if I still owed would be inexcusable, but this is just plain XXXX and I ca n't imagine how many people have actually been bamboozled by these people. Please do something about this.
Consumer complaint received 2017-12-18
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: Midwest Recovery Systems (TX)

please make sure this trade is removed from ALL CRAs. I received notification this was added on my TransUnion report after you stated you sent a record of deletion. Please provide the deletion ID number for reference. See your response below : We have followed our fraud/identity theft policy and have n't had any further communication with the consumer. No future follow up is planned. Our fraud/identity theft policy is once we have been notified of this that we try to obtain a police report from the consumer to provide to our client. We immediately stop all collection efforts and send a record for deletion to all three credit reporting agencies. This deletion will be sent on XXXX/XXXX/XXXX. Please allow 30 days for the credit reporting agencies to update their records. Then we close and return the account to our client for them to further investigate the matter.
Consumer complaint received 2017-12-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SC)

I am writing this letter to explain a series of unfortunate events that have caused me to turn for you for help. From my understanding, lenders or servicers are supposed to help homeowners stay in their home and avoid foreclosure, but unfortunately that has not been my story. My current servicer is Wells Fargo and I am under foreclosure with a current sale date schedule for XX/XX/XXXX. I have been behind for a few months now and the reason I fell behind in the first place were due to circumstances beyond my control. Back in XXXX, my XXXX fell very XXXX. It came to the point where she was hospitalized and the medical bills were more than {$20000.00}. This set me back badly. However, now I am in a better standing position. My wifes health has improved and I have a very good earning job. I have submitted a new Mortgage Assistance Package to my lender with time in advance from the current sale date, but Wells Fargo has not given me a fair chance to be reviewed for a Loan Modification, even though Ive stayed within the investors guidelines. I even escalated the matter to the XXXX office at Wells Fargo and I have been speaking to XXXX XXXX. She advised me they would review my file and postpone the current sale date, however nothing has been done. I feel all they did was stall. Im at an 8 % interest rate and I make enough income to cover my monthly mortgage payment. Not only that but I submitted a complete mortgage assistance package to Wells Fargo with time to  spare ; I am within 7 days to be reviewed according to investors guidelines and I feel I have been discriminated against because of my domestic partner. Please help me find a solution so I can stay in my home and get back to current.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Balance transfer — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/2016, I applied for a new credit card account with Fifth Third Bank. On the initial application, I indicated XXXX existing financial accounts to be considered for balance transfers. I would only do a balance transfer if I received a high enough credit limit and the online application would not advance to the following page without putting something in the balance transfer space. The credit limit that I received was only {$3400.00} which was not enough to do a balance transfer as well as use the card for purchases. I called Fifth Third Bank to cancel the balance transfers and subsequently received 2 letters confirming cancellation of the balance transfers. 

On XX/XX/2016, I attempted to use the Fifth Third Bank credit card however the transaction could not be processed. I called the bank and was told that my account was in the negative due to the XXXX balance transfers. I also asked to have the balance transfers reversed and was told that this could happen due to payoff checks having gone to the XXXX accounts. 

Now, my account is in the negative, my credit utilization rate more than XXXX % and a brand new credit card has been maxed out. These balance transfers took place without my authorization.
Consumer complaint received 2017-12-29
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: TD BANK US HOLDING COMPANY (GA)

I do NOT have a signed contract nor any contract with XXXX. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping. They lied and said that they would investigate but they are not they are just sending bills and still reporting false information on my credit report. Now a collection agency is writing me.
Consumer complaint received 2017-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

The bank returned my XXXX XXXX payment to me. I 'm asking you will ask the bank to reverse their action, because I 'm not responsible for the delinquent taxes in XXXX or the current at the time taxes XXXX. The title company took the money out for taxes, before I got the loan. Is there anyway to make the bank more accountable for their actions? 
I 'm asking you to treat this manner with great urgency. My homes dependency is riding on this matter. I have made all of the loan payments on time. I have also paid the taxes, on the following years, which are included, in this complaint, as well as the settlement statement, that I received when closing on this loan. I have made XXXX XXXX dollars additional on the loan this year, and made XXXX XXXX dollars additional last year. I do n't have a issue paying the notes. I have and issue with the bank, being responsible. I do n't have proof of XXXX or XXXX 's paid taxes, because they were to be paid by the title company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX I called that company, several times. The person handling that case was n't in they did n't call back.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NC)

First of all I would like to say that I am uncertain which category I needed to select, but I believe several would qualify. OnXX/XX/XXXXandXX/XX/XXXX I wanted to see what Bitcoin was all about. I thought I had an understanding, but clearly do not with regards to Coinbase. I purchased {$400.00} total via a XXXX credit card. I have had issues with Support from Coinbase from the get go! You can get NO SUPPORT from this company. I submitted support requests online, only to get automated responses that there is a delay in getting your issue or questions answered or resolved. I have called the Customer Support #, only to be on an eternal hold and no one answers. I want to close my account and will forfeit any profit made thru Coinbase. I was unaware that I would be required to submit a picture of my photo ID, front and back, to Coinbase .... and I am unwilling to do so for fear of my identity being stolen. 
I believe Coinbase is operating fraudulently and should definitely be looked at or closed down! 
Thank you! 
XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just Received notification from a new service that i set Up with Transunion to notify me or if my credit report is requested. I logged In today and discovered inquiries including two that were recently made ( one as early as today ) against my consent and will. I have rtrequested that Transunion investigate and or delete these unauthorized inquiries as i did Not authorize them neither have i consented in any way for this offer fro credit. 

XXXXXX/XX/XXXX ( spoke with XXXX in fraud resolutions who verified this is an error on XXXX part ) XXXX XX/XX/XXXX ( spoke with XXXX is Credit resolutions who stated a request would be submitted to delete ) XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX