davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-19
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank closed my JCPenney account and reduced the credit amount on my Old Navy Credit Cards due to an algorithm set up in their credit approval system. My credit history with these two credit cards was excellent at the time that the changes were made on those cards. I made on time payments and used those cards when I wanted with no problems. I embarked on business venture which affected my credit, and should not have caused Synchrony Bank to let a computer decide that I was not credit worthy for these two store credit cards. This has caused my credit score to drop to an extremely low number when I had worked very hard to get my credit to be and stay in good standing.
Consumer complaint received 2017-08-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (MD)

I have been submitting revised tax bills via email to Freedom Mortgage since XX/XX/XXXX. I have repeatedly requested a new analysis to lower my payments. Despite repeated attempts in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I  continue to be promised they will review. The difference in my payments is {$300.00} per month lower e. ffective XX/XX/XXXXThey have also submitted the overwitihheld tax to the local tax authority. I am on the phone again today and am being told the best they can do is schedule this for XX/XX/XXXX. Can you please help me get this mess with Freedom straightened out? Thank you, XXXX XXXX XXXXXXXXXXXX XXXX Loan # XXXX
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

I opened an account with target, and that same day, I acquired merchandise worth of approximately {$300.00}. Then, weeks later I tried to pay my balance with my account number given because Target had failed to send me a tangible credit card, this was my only choice to pay dues. However, this when the problems arise. Suggested by a store rep, I waited until I receive the card 's statement ( still my card was n't sent yet ), and in it, it showed purchases and payments not incurred by me. I contacted Target to resolve the issue that I did n't create, but it failed to help or remove it. Target 's Negligence has affected my personal and business goals. I have attempted to obtain credit for XXXX XXXX, but due to that wrongful report, I have n't being able. my business has n't being able to grow, therefore, provide for my family.
Consumer complaint received 2017-08-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (AZ)

As of XXXX/XXXX/XXXX I attempted to go into the facility and make my payment using the payment methods that the company offers representative stated there system is down I asked would any interest that occurs daily would be waived rep called corporate ask to waive any addl fees was told no needed to make payment,. I went back the next day which was XXXX/XXXX/XXXX to attempt to make another payment mind you not I do not use a cash method due to tracking purposes this is '' why '' the system was down again came in Monday XXXX/XXXX/XXXX again to make a payment she advised system was still down asked if she could please attempt to try to take my payment In which she did and the payment went through. Now here we are again my bill is due went in to make a payment XXXX/XXXX/XXXX system is down again and it will be down per XXXX for an estimated week and yet no addl interest will be waived. the interest is 179 % at this point I am exasperated with the companies failed attempts for customers to make their payments regardless of what method is used I do n't live in the area so to keep coming out of my way and attempting to make payments and still be charged interest because of there system issues is not sitting right with me as a consumer. Just as they have their payment methods that they accept as a business mind you not I have the right to have my methods and be able to make a payment without issues and being charged extra fees because of their errors.
Consumer complaint received 2017-05-10
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. (NY)

Over the past few years I 've been disputing an outstanding collection on my credit reports with  XXXX  and equifax. The situation is i purchased a cellphone from  XXXX  through   XXXX   XXXX    XXXX   0f 2014. I  was told there was a 14 day return policy if i did n't like the service. The service was horrible and i returned the device. I was told the account was returned and close as i was switching back to  XXXX . Down the line a receive mail stating I owe  XXXX   XXXX   XXXX  for something that i returned and do not own. I returned to best buy to get a copy of the retiring receipt which i forward to the collection compa ny (   XXXX   XXXX   XXXX  and the  Reporting age ncies ) I would like these accounts removed from my report being that i followed all guidelines of returning the device.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have asked the credit reporting agency experian to investigate information that 's incorrect on report. I do n't believe they even investigated anything accounts all should be in bankruptcy. Experian will not srnd me any validation stating legal obligation to any of the accounts that are incorrect. Experian will not send me payment history. Furthermore no account shoulf have negative remarks my bankruptcy is now discharged.
Consumer complaint received 2017-08-19
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. (TX)

I have filed several disputes to investigate account. The company keep verified the account in less than one day  and not properly investigating it. I have explain to the credit reporting company that the XXXX XXXX is paid off. They refuse to update my account to paid in full.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.
Consumer complaint received 2017-05-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (AZ)

I applied for a loan modification on my mortgage  XXXX / XXXX / XXXX  due to loss of income from my son turning  XXXX . SS was due to income because my husband passed away  XXXX . I was told by SS when my older son graduated the difference would go to other son. However that was not the case. I was approved for  Modification   XXXX   XXXX ,  XXXX  in which my payments became affordable. I signed all docs and returned them. I have been making the payments that have been agreed upon.  XXXX   XXXX  I received call from Mortgage company advising they where to send new docs. New docs where sent out and received them  XXXX   XXXX  via  XXXX . Upon reviewing MOD was changed and payments increased. I was told never told why I was getting new ones. I took info to agency that helped me get MOD. I gave them authorization to request info. She was told mistake was done in  1st  MOD since property is MH. I was finally told by Mtg that yes it was a mistake also. My payments have been made and have been accepted by Ditech.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-08-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Cottonwood Financial Ltd. (TX)

On Tuesday XX/XX/XXXX I received a voicemail from phone # : XXXX which stated there was a complaint filed against me, he was with the law department with recovery services and that failure to comply will result in further litigation. I called back after the voicemail and was worried. They provided information about a loan I received in XXXX. They knew my previous address information, bank name, ssn, and the amount of the loan. I repeatedly asked for some type of documentation and was told their client will not allow them to send anything else because 14 letters were sent to my previous address, which I did not receive. On XXXX XXXX they called again. Staying I would be summoned if I did n't pay. I continuously asked for some type of documentation but they refused. On XXXX XXXX I received another call which was an automated message stating that they are now taking further action and getting my current address and job address to serve me. I held the line and then was connected with someone. After going back and forth for about 15 minutes, being told I would have to get a lawyer and go to court for bank fraud, I contacted my grandmother to see if she would help me with the payment. The girl over the phone said after the payment was received then we would receive an email in 15 minutes. After an hour of no email, I called back and all the calls went straight to voicemail. I then called the cash store headquarters and was told they sold my information back in XXXX, But that sounds like a scam. They provided me with the phone number to who they sold my debt to, XXXX but they did not answer and I left a voicemail. Now my grandmother is out {$320.00} and paid a scammer. I 'm concerned about what they will do with her information next.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have contacted TransUnion Credit Bureau via mail and phone to have unauthorized inquiries removed from my credit file. The customer service representative would not transfer me to an U.S representative as I requested, and also would not assist me in addressing inaccurate info on my credit report. The following inquiries being reported were not authorized by me, I have no knowledge of speaking to or applying for credit with them. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XXXX/XXXX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX) I am requesting these items removed or verification that my information was pulled for a firm offer of credit, employment, or court order as stated by FCRA these are permissible reasons to pull someone 's credit file.
Consumer complaint received 2017-08-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (TX)

I paid off the total balance in XXXX XXXX and as today ( XXXX XXXX XXXX ) it appears in my credit report that I have an outstanding balance of {$18000.00}. The last date reported was XXXX XXXX XXXX and the last payment reported was on XXXX XXXX XXXX. This incorrect and dated outstanding balance is damaging my credit profile.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2017-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Funding has been on my credit report for over 3 years. I have asked repeatedly for validation of this debt to no avail. They were reporting multiple times on other accounts that they have deleted, but seem to want to linger on this one. This debt account # XXXX has been reporting monthly as if I have an contractual agreement with them on 1 month terms. I have never made or had an agreement with them. They have also reported this same account multiple times as Midland Credit Management. I sent them  a letter on that, and they removed the multiple reporting 's of the same account. They advertise on their website of removing and deleting accounts older than 2 years, but yet have removed this one. I am asking CFPB to help me put this to rest as Midland does not seem to want to resolve this issue.
Consumer complaint received 2016-11-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Massachusetts Educational Financing Authority (MA)

I am a cosigner of XXXX student loans for my son who just graduated from XXXX University. I have been attempting to refinance the XXXX student loans with MEFA to obtain a lower interest rate. It has come apparent that there are errors in the allocation by MEFA, or its service contractors, in the allocation of principal and interest from my loan payments.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A. (DE)

I have a checking account with PNC for 8 months and was charged {$25.00} in monthly fee to keep the account active. To save money, I contacted customer service to close my account. One of the requirement to close the account was to have a {$0.00} balance. A bill payment was initiated on XX/XX/XXXX to remove all available balance. On XX/XX/XXXX and for hte next 4 days, I contacted PNC via chat daily to request bank account closure. After getting a hold of someone, they advised me that the bill payment have to clear before I can request bank account closure. Bill payment cleared on XX/XX/XXXX and on the same day I was charged a $ XXXX  monthly fee resulting in a negative balance on the account. I contacted customer service again and they can not process account closure due to the {$25.00} negative account balance. A courtesy credit was requested twice but it was rejected by a live and chat associate because I am trying to terminate the relationship. 

PNC is making consumer jump through hoops to close an account and have deliberately put roadblock in place to lengthen the time they can charge monthly fee. I am concern the negative balance will result in an overdraft fee and subsequent interest charges will be added on top. I just want to close my account on XX/XX/XXXX and go to another financial institution that does not charge a $ XXXX  monthly fee and should not be penalize for doing so.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I had several accounts open in my name that was fraudulent from XXXXXXXX XXXX XXXX XXXX XXXX XXXX And XXXX they made me get on a payment plan until they figure out who really opened up this account. I keep dispute with Equifax, but they keep asking me for the same information that I am providing. I did not open those accounts and I want them removed for my Credit as soon as possible?
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this