davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I had fallen behind on 2 payments with JcPenney so I contacted customer service on XXXX/XXXX/XXXX to explain and worked out an arrangement to reverse my late fees so the balance would come down. At this time I also created an online account in order to keep up with my account activity. My credit limit was only {$100.00} and I had not used the card for purchases in about 5 months but made a payment in XXXX at a local store in XXXX Fl which has since closed down in XXXX. On XXXX/XXXX/XXXX I went into the closest physical store which is about XXXX miles away to make a payment of {$100.00}. When I got home I logged into the account to see if the payment had posted and been applied to the account and that 's when I saw the banner showing the account was closed and to continue making payments. I was not notified that by the company when I called on XXXX or when I made a payment on XXXX. I contacted customer service today XXXX/XXXX/XXXX to inquire why the account was closed and she told me it closed on XXXX/XXXX/XXXX and it was n't because of payment history but a review of my credit report. I managed this card well for over 2 years and when i call to make arrangements they close my account. I was already approved for the limit i had based on my credit worthiness. They should not be able to take that away. The credit report if monitored frequently should only be used to determine increases not to close an account that 's already open. This impacts my credit negatively.I have attached the chat transcript from XXXX/XXXX/XXXX.
Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I am a university graduate with federal student loans that are being managed by Navient. Since graduating five years ago I have consolidated these loans and have made all my payments to keep those loans in good standing on an income-based repayment plan. This spring I received the annual reminder from Navient that I needed to submit copies of my federal income tax return for XX/XX/XXXX and an income-driven repayment plan request for my annual recertification. The due date was approaching, but I was in the middle of a move and a job transfer, so I called Navient to make sure they were going to receive the materials on time if I mailed them. I spoke to a representative who looked at my account information and told me that there was actually a window of a couple of months for me to get the materials to them, so I had plenty of time and not to worry. Though the auto-generated letters had due dates on them, the forms I was filling out did not, so I took the agent at her word and mailed the documents a few weeks later. 

OnXX/XX/XXXX I went online to schedule my loan payment for the month, and my minimum payment had more than tripled to over {$1500.00}. In addition, the interest on my loans had been capitalized which means that {$13000.00} of accumulated interest has now been added to the principle loan amount. I called Navient on XX/XX/XXXX and the first representative told me they had the paperwork for my annual recertification and it would take them a few weeks to process it, after which the minimum payment would go down ( which it now has and I have scheduled my payment on time ), but there was nothing they could do about the new principal balance. I then spoke with a manager ( XXXX, XXXX XXXX : XXXX ) who kept insisting that federal regulations would not let them change the principal, what was done was done, and that it had been done because I had let the status of the repayment plan lapse. I asked to speak to a supervisor and was told that their answer would be the same, but that they would call me back within 2448 hours. Over 48 hours later I have received no communication from Navient. 

The misinformation I was fed has increased the balance of my loans by roughly 10 %, which will increase the interest on my loans for the next x number of years that Im repaying them. After contacting Navient in good faith in order to keep my loan status in good standing, and then being misled by Navient, this seems an extremely unfair burden for me to shoulder.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I have tried numerous times to get my free credit report from https : //www.XXXX.com. It keeps looping and giving errors so that I can not obtain my credit report.
Consumer complaint received 2017-09-21
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. (LA)

This company has had numerous of attempts to fix my identity theft problems for months and now all of a sudden this breach has made it even more harder on me and my family with the identity theft. I have over 20 identity theft accounts on my credit report and over 40 something inquiries that I did n't authorize and 4 public records that are not mine I have never filed for Bankruptcy and this company still had n't done anything to fix all these issues. If this information is not updated and removed within 30 days I will fill a class action lawsuit for emotional distress and not investigating properly. I ca n't even get a job because all of the errors on my credit report. This company got breach because they are a sorry excuse for a credit reporting agency and they all should be fired. They hang up on people all the time and never really investigate anything.i have sent all my police reports and fraud affidavits to this company over and over and I would like freeze placed on my permanently and sent a code to unlock it when I want too
Consumer complaint received 2017-12-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FIRST CASH FINANCIAL SERVICES, INC. (OH)

On XX/X/17 I was informed via email from my former employer that the company card that I had lost was used that i was to remit payment for the transactions or they would file charges with the court. I recently moved to VA from Ohio, meanwhile the card was used in NY. The company has held my last paycheck and halted my XXXX pay out that exceeds the amount being asked for. telling me i only have XXXX hours before I 'm arrested. I had a breach with my personal bank account and I was not aware that it had also affected my assumed to be closed work account because I no longer work for the company.
Consumer complaint received 2017-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

I 'm extremely exhausted with Ocwen loan servicing because they have made it impossible for me to get anything. I have been trying since XXXX to get a resolution for my mortgage which is very high at a 7.6 pct interest rate. they kept denying my application even when they told me everything was OK. on  XXXX XXXX 2017 at XXXX. I received a phone call from an ocwen employees name XXXX XXXX she a relationship manager at ocwen told me that the loan was denied so I ask why. her response to me they could n't come up with a modification because the loan is being paid monthly, and if I need a modification. I should leave the loan unpaid for 90 days, and they would give a modification, and her second option was for me to go a refinance with another bank because ocwen do n't want me as a a customer when in fact I had this house for over 10 years all I have been paying is interest rate that is very high. Ocwen have violated federal and state laws yet again by providing me with misleading information so I can lose my home, and become homeless because I 'm retired and my saving have getting depleted and ocwen have all my document. they made impossible i do n't know how long I can keep this home because they keep violating mortgage servicing rule.
Consumer complaint received 2017-09-21
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)

XXXX XXXX has continually placed inquiries on my credit. I have never applied for service with them. After contacting them, they explained they do not use social security numbers so others with similar information applying may cause the inquiry to hit my report. I have disputed the inquiries with them and they have twice sent letters stating they have sent the request to have them removed from my file. I have also disputed these inquiries multiple times with Equifax. First time in XXXX of XXXX. I received an update in XXXX stating they were still working on it. I disputed again in XXXX of XXXX and never received anything. Again in XXXX and still received nothing. Again in XXXX and then received notice in XXXX the review was complete and found to be accurate. I am not sure how when I have letters from XXXX XXXX stating it was reported in error. I have worked really hard to re establish my credit. I have very good credit so there would be no reason for me to continuously apply for service with this company. Especially not when I have lived at my current residence for over 2 years.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

my account with XXXX XXXX XXXX  was never late. i have had an exceptional payment history with XXXX XXXX XXXX and all payments were on XXXX. this late payment that is reporting is a result on a systematic error on their end processing my payment. this was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC 1681eb. this error has caused severe harm to my reputation, my character, my mode of living and to my family. 

I demand the late payments reported in XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> to be removed. 

They are not in compliance with the following law 15 USC 1666b and its requirements st the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they DID NOT COMPLY with the LAW.

15 USC 1666b ( a ) TIMING OF PAYMENTS : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose, unless that creditor has adopted reasonable procedures designed to ensure that each statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer NOT LATER THAN 21 days BEFORE the payment due date. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith PURSUANT rule 1002 and it was never provided. 

this is unfair, illegal and fraudulent, and not equitable to me as a consumer.
Consumer complaint received 2017-08-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In XX/XX/XXXX, I was notified of a Tax Lien filed against me by the XXXX XXXX XXXX filed in the XXXX Superior Court by the Clerk. The Lien was filed XX/XX/XXXX for tax debt owed from the tax year XX/XX/XXXX. I had never been informed of this outstanding tax debt and had appropriately filed and paid my Georgia state tax. At the time of the lien filing, I had just gone through a Chapter XXXX Bankruptcy file XX/XX/XXXX and cleared XX/XX/XXXX. I moved from the State of Georgia in XX/XX/XXXX. Upon receipt of the notice of lien, I immediately contact the XXXX XXXX XXXX XXXX and paid in full the lien with it subsequently being released as paid in full on XX/XX/XXXX. I believe the Lien was filed in error as I was never properly notified about impending lien and was unaware, based on my previously filings, of any outstanding tax debt. I have contacted the XXXX XXXX XXXX XXXX as well as the Superior Court of XXXX County requesting a lien release through the " Fresh Start Program '' and have been denied.
Consumer complaint received 2017-09-21
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: EQUIFAX, INC. (CO)

The Equifax credit report linked to my ID is not mine. On XXXX XXXX, XXXX, I enrolled in TrustedID XXXX because my account was among those hacked, according to the Equifax online tool. I needed to enroll over the phone because the security questions presented to me about my credit history did not pertain to me, I could not answer them correctly, and I was locked out. I was able to enroll in TrustedID by answering questions over the phone. I then logged in to my credit report through TrustedID and learned that nothing in the credit report was correct. It was the report of someone else. ( How could the Equifax agent enroll me in TrustedID since my oral answers did not match information linked to my account? ) I froze my credit linked to this account, but it is a fake account. My actual data is unprotected somewhere in the Equifax database. I have tried to get this corrected through the special cybersecurity help number ( XXXX ) and was told today, XXXX XXXX, that I should use the dispute resolution website instead at www.equifax.com/XXXX. This site is " down for maintenance '' and has been 'temporarily unavailable '' for the several days that I have been monitoring it.
Consumer complaint received 2017-09-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (TX)

XXXX XXXX. Received a call from a representative from Commonwealth Financial stating I owed  a medical debt and if I did not pay he would forward the debt to my credit report. I ask what debt as I had medical insurance and did not owe anyone. he said dont worry about it, you will see it on your credit report. 
XXXX XXXX pulled my annual credit report, Commonwealth reported {$230.00} debt to all three credit bureaus. XXXX XXXX XXXX, I responded to Commonwealth Financial with a registered letter asking for validation on debt. Did not receive validation within 30 days per federal guidelines and false debt still listed on all three credit report. ( XXXX XXXX and XXXX ).
Consumer complaint received 2017-09-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (GA)

On XXXX XXXX 2017 I sent a letter to this collection agency referencing an alleged debt in the amount of {$2500.00}. I sent specific request for verification of the alleged debt they said I owed. The Collection agency returned a statement showing the alleged account was opened in 2017. I have no such knowledge of ever opening any account with alleged creditor or collection agency. 

I also sent written request for collection agency to provide documentation of : signed contract by me of the alleged account, verification from original creditor of date of initial and last payment of alleged debt, documentation collection agency purchased the alleged debt from original creditor to include a copy of agreement and or contract. 

The written request from me to the collection agency clearly communicated supporting documentation needed to support their claim. The requested documentation was not returned. This is why I am requesting the assistance of the Consumer Finance Protection Bureau.
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (PA)

My credit limit was automatically decreased by Synchrony without notification increasing my ratio of used credit vs available credit and impacting my credit score.  Their site offers alerts for any issues or upcoming payments, but I was never notified of an issue even though I signed up upon approval. When speaking with their representative they cited reasons that would have been readily available to them when my application was initially processed as the reason for my limit decrease. If that was the reasoning my limit should never have been falsely inflated at the time of application. This is a predatory company that counts on people spending credit that will simply be taken away within a few months of opening the account regardless of the account standing or payments received.
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I opened a online checking account with TD bank. Other than routine disclosures that I could print off, I was not provided with a signature card or any additional disclosures regarding check holds or access to funds. They advertise that they clear checks in one day. I deposited a {$500.00} work expense check through mobile banking thinking it would be available the next day and instead they put a 12 business day hold on the check and did not notify me of this either at time of deposit or afterward. I would never had deposited it otherwise. I had to contact them to find out what was going on. Since it was my work expenses and I absolutely needed the money for work, I did something I never do and re-deposited the check in my other bank where it cleared overnight. I knew that it would bounce back to TD and I would have to cover it, but since they had never notified me of their additional hold policy it was really their fault. As I thought, the check bounced back to TD. I had my wife go in on XX/XX/XXXX  and deposit a {$2500.00} check to cover the amount that bounced back and show my good faith by putting additional money in. I found out after that deposit that once again they had put a 12 business day hold on the check, that once again I was not notified of at time of deposit nor afterwards. I went in to close the account out and even though the funds were showing as completely available via their website and mobile app, that was when they told me there was a hold on it. They told me I could not access it until after XX/XX/XXXX. I inquired with the bank the check was written from and informed that the funds were transferred to TD bank on XX/XX/XXXX. I just inquired today with thier online banking department if the hold was released and I could come in and close out the account and was informed that the hold is still on my funds. I am very irate. Especially since none of these holds or polices were ever communicated to me either by teller, email, text, nothing. TD was also upset because I did n't have a signature card, well they never sent me one to sign!!!! How is that my fault? They blame thier ineptitude on me and call me suspicious. I think what 's suspicious is thier business practices or lack of them. I just want to close out my account and get my money back and I ca n't even do it after they have had my money for almost a month.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I have tried numerous times to get my free credit report from XXXX XXXX XXXX. It keeps looping and giving errors so that I can not obtain my credit report.
Consumer complaint received 2017-11-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

while going through old papers which belonged to my XXXX husband, I found 2 CD certificates from XXXX XXXX XXXX in XXXX, now defunct. I researched and found that bank became LaSalle Bank and later Bank of America. I went to Bank of America, but the account numbers were not in their records. I was given no further advise I have the original Certificates with Customer names and account number and date of issue and date of maturity.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There is a total of 4 inquiries on my report that is unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2017-09-21
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: Experian Information Solutions Inc. (NC)

There is an unknown social security in my file and a lot of credit inquires for a car loan using this SS # and some of my information. It looks like a Dealer mixed up information and somehow tagged my account with this social security of another person- fraud? 
I have tried repeatedly to correct this and everyone says they can do nothing about it? 
the last four digits are XXXX and who is this?
Consumer complaint received 2017-09-21
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. (NJ)

Hello, I attempted to make a payment online to XXXX on XX/XX/XXXX. The online system had an error which stated Please enter a valid routing number. I tried to make the payment through the XXXX, phone, computer, and XXXX to no avail. The automated system was also stating the same information, therefore the payment could not be made without speaking to an actual representative. I called the next morning, XX/XX/XXXX, at XXXX XXXX when the company opened and explained the situation. The representative I spoke to on a recorded line stated there was a computer error with their systems the day before. She took my payment over the phone and explained there would be no reporting late due to this information and it was only 9 hours past the due date. I went to refinance on XX/XX/XXXX and was advised that XXXX put a 30 day late on my credit report due to their error. I called the company immediately and ask for them to remove it as a one time courtesy. I emailed and sent a letter with the same request and I received a response stating I would have an answer within 3 business days. I then called back and asked for a supervisor and was denied the name and opportunity to speak with one. This has been a constant occurrence with this lender. You can not speak to anyone regarding your concerns and get very generic answers to questions that come at the end of the mandatory time.