davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (KY)

On XX/XX/XXXX, I received a letter from CHASE Cardmember Services ( dated XX/XX/XXXX ) advising they are closing my account due to inactivity. The number provided to reach CHASE is outlined on the letter as XXXX. This is a non-working number. I have always had the understanding that closing a card can have negative impact on your credit score so even if I am not currently using the card/ have outstanding balance, I leave the card open. Can they just close the card and cause a negative impact on my credit score? Their note states, " We regularly review accounts to determine how customers are using our products. During a recent review, we found that you haven't used your card for an extended period of time. For this reason, we will close the account in 60 days as of the date of this letter. You may use the card until it closes but using your card won't keep it open ''. I have other cards that have been issued since the XXXX and they haven't closed them for inactivity. My main concern is the impact on my credit score. It is already deteriorating quite a bit since I lost my job in XX/XX/XXXX and have kept paying my house note since that time. My payments are becoming more and more late due to the fact I have now wiped out my savings and have just about used all the retirement funds. I know this has dropped my score several points as I just reviewed my score recently and see it has dropped almost 200 points. I have had other accounts 'close ' or the limits reduced, I am assuming they periodically run the score and note the deterioration. I have always paid my bills. In fact, I have paid some of these cards off more than once. I do not think this is fair. People file bankruptcy daily and continue to get credit. It's crazy. I feel like I am being punished for doing the right thing and paying the debt, even if it is paid late and on top of it, this card has nothing to do with that. Just a note saying closing for inactivity. My request is this? Please outline their rights relative to closing the account. If you agree this will negatively impact my credit score, please outline steps I can take to combat this action. 
Regards, XXXX XXXX
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (CA)

I have sent a request to recast after paying off {$69000.00} off XXXX mortgage since XX/XX/XXXX. Sun Trust came up different reasons to delay the process and changed the criteria of what can be and can't be changed. For example, SunTrust can't get the principal correct in the recast after I have contacted them few times. After few contacts, I decided to send in one additional payment and hope that they will come up with the right principal amount to recast. I was told that we can send in recast request if we pay additional {$5000.00} in the principal but last XX/XX/XXXX they told me that I have to send in at least 10 % of the outstanding loan to request any recast. When I came up with 10 % of the outstanding payment to recast and requested to remove the escrow account at the same time, I was told that I can't remove my escrow account because the investor has changed the criteria of escrow accounts removal. The escrow account can only been removed after opening the account for two years and my account has only been open for one year. I told them that I was told that escrow account can be removed after one year when I first refinanced and was able to do so with my first Sun Trust account before I refinanced. They told me that the investor has changed the rules last XX/XX/XXXX. I asked them why I have never received any information about the changes. Particularly, I sent in the request about XX/XX/XXXX and I have paid off all of taxes for XX/XX/XXXX at the end of XX/XX/XXXX. Sun Trust never bothers to tell me that I can't remove escrow account until I paid off the rest of XX/XX/XXXX taxes and called them back to ask them to apply the escrow amount to the principal. I never got any answer. All they do is asking me to pay additional XXXX for something that I already paid. 

After recast, Suntrust requested me to send in {$4900.00} for XX/XX/XXXX and it also shows that I am past due {$2400.00}. I have contacted SunTrust and asked them to recalculate the payment and also reinstate the fact that I have never received any changes about escrow accounts. They contacted me twice via the phone. When I called back on XX/XX/XXXX around noon, I got cut off. I called them again today ( XX/XX/XXXX ) and got cut off first time after speaking with the first representative. I called back again at the number that was left at my phone and spoke to the second representative. He was not aware of escrow account issue but he told me that they have a lot of information on my account about me not being able to pay and need assistance on my payment. I still can't get any answer about escrow accounts.
Consumer complaint received 2018-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Loan was transferred to XXXX XXXX XXXX XXXX in XX/XX/XXXX. New servicer stated it would take system 60 days to stabilize due to the influx of loans transferred from XXXX to Carrington throughXX/XX/XXXX. 
- Comments : Please research the discrepancy listed below. 

Issue : Fradualent, unfair business practice. Conflicting payment amount information listed through online payment portal compared to information available to customer service center system. 
Due to these deceptive practices I am now accessed additional late fees, in jeopardy of accelerated foreclosure proceeding which incur attorney fees and fees to examine property, detrimental erroneous credit reporting delinquency, and possible further court appearance by ex-husband to request the property be sold since it shows late payments. 
The hardship was incurred due to XXXX deceptive and fradualent practices. 
- Comments : Please research the discrepancy listed below. 

Issue : I attempted to pay my XX/XX/XXXX mortgage payment online. On each attempt, I was routed to contact customer service at XXXX. 

I spoke with customer service rep on XX/XX/XXXX. I was informed I was unable to pay online and had to contact via phone, because the account showed 3 months past due. XXXX did not see that any late fees for been accessed, yet could not explain why despite the system showing missed payments for XX/XX/XXXX. 

Action Requested : 1. ) I am disputing the information disclosed on todays call as 3 months behind, as I have attached documents obtained directly from Carrington Mortgage Services website from XX/XX/XXXX showing below which was paid : Next payment due : XX/XX/XXXX Total due : {$15.00} 2. ) Next, Ive also attached a copy of the escrow statement received by mail showing : BORROWER PAYMENT STARTING WITH THE PAYMENT DUE XX/XX/XXXX==> XXXX. 

Please advise on this discrepancy as this has dire financial implications leading to erroneous late fees, incorrect credit reporting, and improper foreclosure preceding.I attempted to pay my XX/XX/XXXX mortgage payment online. On each attempt, I was routed to contact customer service at XXXX..

I can not make payment by phone, because customer service says the system would not take 1 singe payment. I needed to make 2 payments since the account was behind. Next option was to pay thru XXXX XXXX..

Action Requested : 1. ) I am disputing the information disclosed on XX/XX/XXXX call as 3 months behind, as I have attached documents obtained directly from Carrington Mortgage Services website from XX/XX/XXXX showing below which was paid : Next payment due : XX/XX/XXXX Total due : {$15.00} 2. ) Next, Ive also attached a copy of the escrow statement received by mail showing.. 

BORROWER PAYMENT STARTING WITH THE PAYMENT DUE XX/XX/XXXX==> XXXX. 

Please advise on this discrepancy as this has dire financial implications leading to erroneous late fees, incorrect credit reporting, and improper foreclosure preceding.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Recovery Corporation (CA)

I recently signed up for a tanning package with a local company. I payed XXXX + some additional free for there basic membership, allowing access to the most basic tanning beds. The benefit to the membership is that the cost to use the top of the line tanning beds is greatly reduced for members. I bought single upgrade to the top tier tanning bed totaling XXXX $ cash. While paying the employee informed me of a {$90.00} package that included 6 tans. Being the sucker that I am I agreed that I would benefit for saving money buying the tans in bulk vs each time I visited. The employee recommended I tan for the full 10 minutes in the bed for my first session, and since I wanted to expedite the process of tan skin I agreed. The end result was 3 weeks of XXXX XXXX, 1 week of XXXX XXXX, and 1 visit to the ER funded by myself.

Dissatisfied with the business, I decided to dispute the charge for the remaining 6 tans that I hadn't used. I called the company myself without the guidance of the bank and they refused to refund the money, and insisted that I could come back and use the remaining 6 credits anytime. I informed them that after visiting the ER and suffering for 3 weeks I wouldn't be tanning again, but they stuck to there guns. A few days later I contacted XXXX XXXX XXXX XXXX card customer service about disputing this charge. They proceeded to 3 way call the company with me on the line. We discussed out the details of the dispute to the tanning company tele rep, and she informed me/XXXX rep that the appropriate person would be in contact with XXXX if needed later that afternoon. 
Time carried on and XXXX never heard back from the tanning company regarding the dispute and I was refunded the money for the 6 tans. Approximately a month later I received a letter from the tanning company claiming they were sending the total of {$90.00} to collections along with a {$25.00} charge. I immediately called the tanning company and asked what was going on, they informed me that there is nothing they could do, and that the debt had be acquired by a collection agency. I then proceed to call XXXX and inform them of the situation, learning there is little they can do for this type of situation. The debt collector actually made initial contact the very same day I received the letter and called the tanning company. Seems like they were out for revenge regarding the dispute I was awarded. 
I informed the creditor of the dispute being settled and even offered to send the documents from XXXX showing this process. The creditor had no interest in the documents, and told me the debt would need to be settled regardless. This doesn't seem fair, what is my next step in this process.
Consumer complaint received 2018-01-31
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. (CA)

I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these 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 XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX And XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX  and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these
Consumer complaint received 2018-01-30
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. (NY)

The following list below is all the Hard inquiries that are still showing up on my transunion credit report even though they were all removed a long time ago - I have been a victim of the " inquiry issue '' that Transunion has experienced and as a result have had all these inquiries remain on my report after repeated attempts to make it clear I wanted them removed immediately. 

I will pursue this to the full extent of the law as per section 611 in the credit reporting act they never notified me that these inquiries were going onto my report so i want them removed immediately. 


XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX   XXXX XXXX, NJ XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX, NC XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX Don't have anymore info and I dont remember this company at all. 

XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XX/XX/XXXX - Hard inquiry XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Consumer complaint received 2018-01-31
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. (WA)

Equifax shows my closed and paid in full account with XXXX XXXX XXXX XXXX to be open with a $ 28K+ balance, payments past due, etc. This account was paid in full in XX/XX/2015.  Nothing I do seems to be able to get them to adjust the account status.
Consumer complaint received 2018-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (GA)

Received a letter on XX/XX/XXXX with a bill attached ... I called the company to send me out validation that this my bill sign signature ... well the rep dates was off she said I got this letter sinceXX/XX/XXXXwhich I am uploading a copy then she stated I went to XXXX XXXX hospital this was not the hospital bill it's the dr.bills & I kept asking her to validate it send me sign signature she said when they requested the sign signature this was all they was sent that I didn't sign ANY paper work ... also that violates my hippa rights cause you validating over the telephone never verify any information, then I get a letter with all the procedures, never did i once get a letter letting me know I had the right to dispute this bill I will enclose what they sent me they will not validate this bill
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TN)

Approximately 4 months ago an XXXX XXXX  issued by XXXX XXXX that I have been using for approximately 10 years successfully had changed something in their system where their payment button on the front page of PayPal not only has quit working but displays a statement as follows- Were sorry we apologize our system is having difficulty retrieving your information, please try again later. This is what comes up on the my PayPal page under make a payment under XXXX XXXX. This IS the same button I have been using to make my payments for nigh on to 10 years. # 2, I was told today, NOT when I finally found a way to contact Synchrony & made my last 2 payments here in XX/XX/XXXX that my account had been closed. 
# 3. When I first called XXXX XXXX tonight, I  was prompted to input my social security number and was told I had a XXXX balance and was also told I had zero payment.

due.

# 4. When making my way to the operator of XXXX XXXX, I was finally told that they had closed my  account and I did have a payment due & also a past due payment, this is after making {$150.00} worth of payments this month-XXXX  2018. 
# 5. I was also told that I better not miss a payment because they will add on {$38.00} dollars to my closed account plus {$28.00} interest. 
ANYHOW, i certainly believe that these things constitute deceptive practices.
Consumer complaint received 2018-01-31
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: HCFS Healthcare Financial Services of TeamHealth (FL)

I received an alert response and I dont agree with this debt because I am unaware of this debt like I told you in the last letter if you continue to force a debt on me that wouldnt be the best solution for you and your company and I will take legal actions immediately. This isnt a threat. You have used my consent without my validation, and you mentioned my demographic as if it has something to do with my personal information. I am a victim of identity theft and because of the recent breach by XXXX I believe that I was greatly affected by it. If you continue to list an unknown debt on my credit looking to collect I will make sure that I contact the attorney generals office in XXXX XXXX and file a lawsuit against your company for violating my rights and this isnt a threat or a warning. I wont be answering to any messages as I will forward all recorded calls, emails, certified letters and more evidence to prove that Im innocent in a court room. It wont be a surprise when you receive any documents from The XXXX XXXX County Courthouse. Please feel free to contact my lawyer from this point on.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

They will not honor my online request ( filled out at their website ) to freeze my credit. They give no explanation and do no provide a human customer service rep to speak with. The website says I will need to send them ( through the US postal service ) very personal information, including Social security number, gov. issued photo ID, a utility bill, D.O.B, etc. in order to fulfill my request. All this info could be intercepted by someone ( stealing mail is very common crime these days ) and used to open accts in my name.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2018-01-31
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: Franklin Collection Service, Inc. (FL)

I received an alert response and I dont agree with this debt because I am unaware of this debt like I told you in the last letter if you continue to force a debt on me that wouldnt be the best solution for you and your company and I will take legal actions immediately. This isnt a threat. You have used my consent without my validation, and you mentioned my demographic as if it has something to do with my personal information. I am a victim of identity theft and because of the recent breach by XXXX I believe that I was greatly affected by it. If you continue to list an unknown debt on my credit looking to collect I will make sure that I contact the attorney generals office in XXXX XXXX and file a lawsuit against your company for violating my rights and this isnt a threat or a warning. I wont be answering to any messages as I will forward all recorded calls, emails, certified letters and more evidence to prove that Im innocent in a court room. It wont be a surprise when you receive any documents from The XXXX XXXX County Courthouse. Please feel free to contact my lawyer from this point on.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Bayview Loan Servicing LLC has not responded to a QWR that I sent them certified I asked for all the LEVEL ACCOUNTING and Proof of this PURPORTED DEBT they are trying to collect on. They need to remove themselves off of my credit report at once and they need to Stop Harrassing me. They also need to stop stealing my identity, I am going to press a criminal complaint against them. They have nothing to do with my property!!!!! This account was paid and closed by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX!!!!
Consumer complaint received 2018-01-31
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: INTERCONTINENTAL CAPITAL GROUP (CA)

XXXX XXXX XXXX XXXX.  This company spoke to someone else not myself.   I registered my account as a Fraud victim.    They pulled the followers information.   Consumer:  XXXX XXXXConsumer Address: XXXX XXXX XXXX, XXXX, CA XXXXSS#: XXXXInquiry Date: XX/XX/2018End User/Company:  XXXX  XXXX XXXX XXXX. #XXXX/XXXX XXXX Reseller:  XXXX XXXX XXXX   You can clearly see they pulled XXXX this IS NOT MY SOCIAL SECURITY NUMBER. However it linked the my social security number I have no affiliation with these guys nor do I want a loan from New York.   I ask they remove this from all three bureaus they pulled the wrong social and it linked them my credit account therefore This is not factual nor correct they refused to remove this fron my credit file.    They have 30 days that remove this or I'll take action with all the Bureaus and I'll advertise all over forums to warn people how they pulled a wrong social and yet linked it together my account.   I demand them to remove this report !     My social is not what they have done and on file