davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
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. (TN)

I am once again bringing this to your attention as well as Equifax. See original complaint XXXX. Note that Equifax decided to degrade my credit value by 60 points because the government decided to defer my loan through the CARES act. I did not request this nor did I receive any deferment. Upon becoming aware of this travesty I immediately PERSISTED that the loan be taken off deferment and reported as such. I requested that my credit be reinstated to what it was before. Nothing derogative has happened since this report IN FACT more has been paid off. I demand that my credit be reinstated as it was prior to this CARES act situation. What EQUIFAX did is WRONG. The fact that CFPB is allowing this unjust act is besides me. Do not give me a blanket response that they are not responsible for down grading my credit worthiness as they most certainly are just see below screen shot as well as look as prior complaint above. 
It is VERY clear what they did and they even admitted it when I called them directly. 
What I am requesting is perfectly reasonable and just.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX  XXXX is being reported inaccurately on my report. I contacted XXXX XXXX to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help me
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (AK)

I caught PayPal redhanded charging me for items yes, that I did buy. But then they charged my bank account also, a few years back. Then they wanted another credit card account number that they could charge and again, they did the same thing. I did happen to resolve this issue, even at a loss of credit/money on my part. But now I made a XX/XX/2020 payment and my account does not reflect this payment, although it can be proven by my bank account. I was just getting ready to make another payment, but not until they post a credit on my account for the month of XXXX. These people will not answer their phones, I tried messaging them on their page & XXXX. They have not responded. Just a robotic automatic response. No live person.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (PA)

WESTLAKE FIN XXXX is being reported inaccurately on my report. I contacted westlake financial to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help me
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MD)

( 1. ) Letter sent to me from Synchrony Bank, XXXX XXXX XXXX XXXX XXXX  regarding Synchrony XXXX XXXX account ending in XXXX. 

( 2. ) Letter stated : " After a review of your account Synchrony Bank has decided to close your account. The reason for their decision is the number of dishonored payments on this account. 

( 3. ) I contacted the bank and spoke to an employee named " XXXX '' employee ID # XXXX. I inquired of her to provide what payments and when they were dishonored, to clarify why I asked the question is because I made an electronic payment to Synchrony bank in the amount of {$95.00} as required by their payment notification shown on their website for this account. Synchrony 's online payment policy as found in the terms and Agreement paragraph " states '' online payments will be posted within XXXX XXXX hours. This action did not occur based on my follow-up of ensuring the payment was received, however ; there was no indication that the payment was received/posted after 3 days. This is not the first time payment was made but not posted until several days later and not as stated in the Terms and Conditions clause. 

( 4. ) I then asked XXXX if I can speak to a manager or the bank manager ( someone I believe would have the authority to waiver/rescind the initial letter sent to me ). Her response was she is a supervisor/manager and " quote '' the only one in the bank that can take the action I requested. XXXX stated it was not possible to make an exception in this matter and she was the only one with the authority to do so if possible. She begrudgingly stated the reason given to me for not reversing the bank 's decision was solely because their policy is strict and no exceptions will be considered. 

( 5. ) I invite you to review the activity sheet for this account which can be found on the Synchrony Bank website. It reflects various actions ( dated XXXX XXXX- XXXX XXXX ) initiated by Synchrony bank. There is no indication of a dishonored payment shown here or in my personal checking account ( XXXX XXXX XXXX XXXX ) that would prompt Synchrony to initiate the action as stated in their letter dated XX/XX/year>. It is clearly visible that a payment made by me in the amount of {$190.00} on XXXX XX/XX/year> is posted on the website under my account. Furthermore ; this payment has been debited from my XXXX XXXX XXXX XXXX XXXX account. 

( 6. ) There is Clear Unmistakeable Evidence ( CUE ) that Synchrony has an accounting system that is not updating in a timely manner, accounting for, or providing accurate information as it pertains to my account and more than likely many others.
Consumer complaint received 2021-05-13
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)

Over the course of the last week, my credit score dropped 66 points on Equifax. The drop in credit score appears coincident with the payoff of a car I financed. I spoke at length to a representative at Equifax. He told me that the score dropped as a function of paying off the car. I was shocked to hear that meeting the obligation of a financial arrangement would have a negative effect on my credit. I asked for a letter to confirm our conversation and he refused. 

It appears the credit bureau industry is not about assessing creditworthiness as much as rewarding those who go into debt with an incentive to increase their debt.
Consumer complaint received 2018-12-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NE)

My mortgage was originally held by XXXX XXXX and was transferred to Lakeview Loan Servicing , LLC a couple of years ago. 

On XXXX XX/XX/2018 I contacted them via their website requesting the payoff for the mortgage ( Ticket # XXXX ). In the e-mail I received acknowledging this it stated it would take 3 days. 

On XXXX XXXX I contacted them as while I had not heard anything from them regarding the payoff, I did receive a notice stating they intended to increase the amount of my escrow payments. This did not make any sense to me as the amount in the escrow at that time was larger then the remaining principal. I suggested they use it to payoff the loan and send me the balance. I received a acknowledgement of my e-mail stating it would take 3 days to process. 

On XXXX XXXX I contacted them yet again requesting the payoff, referencing the previous request and was provided the same response. The ticket number of this request is XXXX. 

Due to their lack of response I have paid sufficient funds to have paid the loan in full which was delivered to them on XXXX XXXX and cashed on XXXX XXXX. I have yet to hear anything back from them.
Consumer complaint received 2018-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (MN)

XXXX XXXX XXXX called me and said they have not received my payment, so i logged in to my credit card companies website to provide them with the date and amount that was paid, and had them open a missing payment case. As soon as i got off the phone with XXXX XXXX XXXX, i called the credit card company and received a unique payment id number and called XXXX XXXX XXXX back and had them add the unique payment id number to their missing payment case. More than a month later, i received a letter in the mail from a debt collector, Sunrise Credit Services, and forward them the same paperwork proving that i had already paid the account in full before XXXX XXXX XXXX sold them a bogus alleged debt. Sunrise Credit Services has still not complied by removing the XXXX, bogus collections account from my credit report as i told them they are required to do by law. I am interested in pressing charges against Sunrise Credit Services for refusing to remove malicious lies from my credit report.
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

XX/XX/2019 PayPal - negative {$6500.00} XX/XX/2019 Transfer P PayPal - negative {$6500.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$6500.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$6500.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

PayPal - negative {$7100.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$7100.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7100.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

- negative {$4800.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4800.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4800.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2020-07-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

PayPal - negative {$4200.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4200.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4200.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Consumer complaint received 2018-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX On XX/XX/XXXX I spoke with company on XX/XX/XXXX the company verified they received returned mail saying the mail was un deliverable. I never received any documentation regarding this account and I have disputed with company. The are reporting information that is incorrect. I would like account removed from my credit report. I never received any right to dispute account from this company. XXXX XXXX at XXXX XXXX XXXX. spoke with her on XX/XX/XXXX at XXXX XXXX
Consumer complaint received 2020-07-03
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (CA)

This is a complaint against LOANCARE LLC, our home mortgage co., who has negatively impacted our credit history report for : names removed ( homeowners ). 

On XX/XX/2020, we submitted a request for forbearance to Loancare in error. The next day, on XX/XX/2020, we contacted Loancare directly and cancelled the forbearance request. In addition to numerous follow up calls and emails in XXXX to confirm the forbearance has been cancelled. As of XX/XX/2020, I was reassured by Loancare that our forbearance was cancelled and it would not affect our credit report. 

However, on XX/XX/2020, we were working on refinancing with another mortgage lender and was notified by them that our home mortgage was in forbearance, therefore, we would not be able to refinance until we get it removed off our credit reports. 

So on XX/XX/2020, we contacted Loancare to dispute the forbearance on our credit report. That on our credit reports, under the Remarks, Side Note and/or Special Comment Sections : states Account in Forbearance and this must be removed off our credit reports since we cancelled on XX/XX/2020 and our account was never in forbearance. 

Nevertheless, on XX/XX/2020 and XX/XX/2020 Loancare confirmed that the forbearance would be removed off our credit reports as of XX/XX/2020. But as of today, XX/XX/2020, our credit reports still states that we are currently in forbearance. For example, XXXX  states under Remarks Account in Forbearance reporting as of XX/XX/2020. 

Furthermore, as of XX/XX/2020, even after speaking with Loancares Collections Dept. and Supervisor regarding this forbearance dispute, requesting to have " Account in forbearance '' remarks/special comment removed off our credit report, I have LOST ALL CONFIDENCE in their ability to resolve this credit dispute. Not only has this drained our time and energy, but weve been unable to refinance our current VA home loan with other lenders with rates offered to us at 2.25 %. In addition to our credit scores dropping from above 825 to below 750, this takes us out of the Excellent category which further negatively affects our borrowing efforts affecting our rates. 

Conclusion : LOANCARE LLC needs correct and remove the " forbearance '' language off of our account with all the credit reporting agencies which is stated in Remarks and/or Special Comment Sections : Account in forbearance since we have never been in forbearance.
Consumer complaint received 2020-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX
Consumer complaint received 2020-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (GA)

In XXXX XXXX  leaked the data of 143 million Americans, I was also one of those 143 million. My personal information was used to open several accounts in my name, as a result I have become a victim of identity theft, my overall credit score as well as mental health has suffered greatly. AR Resources currently reporting 5 accounts to my credit file, these accounts should not be on my credit file. 

AR Resources {$290.00} AR Resources {$660.00} AR Resources {$290.00} AR Resources {$270.00} AR Resources {$410.00} I have disputed this account twice ; this company has not verified this account as belonging to me. The Fair Credit Reporting act requires you to remove this account from my credit file as soon as possible. Under the " Fair Debt Collection Protection Act '', by law, your company should have sent me the following information. 

1. An explanation of what this alleged account balance is for.

2.A calculation of the balance, including the complete payment history.

3.Documentation that shows I have agreed to pay this debt.

4.The agreement that grants you authority to collect on this alleged debt.

5.A copy of your state license, including license number.

In the event that you do not remove this account from my credit file, I will move forward with the necessary steps to sue you for actual damages and declaratory relief. According to the FCRA regulations, I may sue you in qualified state or federal court, including small claims court in my area.
Consumer complaint received 2020-07-02
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX {$3100.00} XXXX  XXXX {$1100.00} XXXX XXXX {$220.00}
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I am writing to formally request your assistance in resolving multiple inaccuracies on my credit report. I have previously disputed these accounts and requested thorough investigations ; however, I have yet to receive a resolution or any corrective action. 

The ongoing presence of these erroneous accounts is causing significant damage to my credit file and creating undue hardship in my financial life. It is crucial that these errors be addressed immediately. 

I kindly ask for a detailed investigation into each of the disputed accounts on my report. Please take the necessary steps to correct my credit file without further delay. Your swift action and cooperation in this matter would be greatly appreciated, and I look forward to your prompt response. 

Thank you for your attention and assistance in resolving this issue.
Consumer complaint received 2020-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

There are 12 qualifying payments missing from my public service loan forgiveness ( PSLF ) from XX/XX/XXXX to XX/XX/XXXX. I have attached a letter from FedLoan Servicing stating that I have 40 qualifying payments from this time period. During this period, my loans were serviced by other companies ( XXXX, then XXXX ). I am including documentation of all my payments during this time period. I made a total of 52 payments in that date range so 12 are missing. I have regularly submitted employment certification forms during this time period. 

I have called FedLoans several times about this to ask for a recount of my qualifying payments. Several months ago they stated that the recount was complete and determined that the 12 payments did not actually qualify. I called back in XX/XX/XXXX and asked for a recount again and they said a recount had not been completed and they would request one. I called again and they said it should be complete in 2 weeks. I called on XX/XX/XXXX and they said that the recount request had not been started yet.
Consumer complaint received 2020-07-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, I received a notification that SYNCB/TJX CO D was a new account on my consumer credit report. This account was previously deleted back in the year XXXX and I did not receive a notice from SYNCB/TJX CO DC that it will be re-inserted. Furthermore, this account does not belong to me as previously determined in XXXX. This reporting is in violation of the law where it states that I must receive written notification that the account will be re-inserted WITHIN 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ). I did not get notified in writing as per the law. My credit is extremely important to me and I would like this account removed from my credit reports immediately.