davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP (AL)

In XXXX of 2019 US bank offered a one time payment to be paid for settlement to have the amount as paid in full. I paid this amount in full by the date specified. When I tried to obtain a home loan recently this is still showing on my credit as last reported in XXXX of 2019 and not paid which did not make any sense because it was paid the month prior ( XXXX ) so why they did not report as paid satisfactory I dont know. This needs to be corrected to all three credit Burroughs as paid in full XXXX of 2019 and satisfactory. US bank was contacted today by my wife and myself regarding this and the lady was not helpful. She would only say the credit Burroughs would have to fix it that they report correctly and monthly but I advised her that my reports are showing incorrect reporting and last reported XXXX of 2019.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.
Consumer complaint received 2020-01-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings (TX)

On XX/XX/2020 I received an email from XXXX XXXX at XXXX XXXX about an unpaid balance with them> I have had problems with getting these emails before. See complains numbers XXXX and XXXX. I would like for someone to tell these people to please stop. According to the companies response I am suppose to be on the do not contact list. They are still contacting me threatening legal action, when none has been taken. There are no cases filed because I can check to see if that has happened and it has not. Please someone put a stop to this. I have a very serious medical condition that if I get to upset and agitated and my XXXX XXXX rises to a certain point and the XXXX XXXX  I will XXXX XXXX in two minutes. There is no loan number associated with this. Here is the supposed case number ; it is XXXX.
Consumer complaint received 2020-01-30
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/2020CMRE Financial Services Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I was recently contacted via phone ( an initial contact ) by a member of CMRE Financial Services Inc. who was incredibly rude and short with me on the phone. It was only after answering the call and my confirming my name and identity with her that I asked if she would now do the same for me. She would not ; refusing to identify herself, not by name or by ID number, wouldnt give me any explanation as to who she was or why she was asking me for my personal information ( shed asked for my name, address and telephone number ) but couldnt understand why I wouldnt give her the information, even after I explained ( and in a calm tone ) that with all due consideration, she had contacted me, and without her giving me any information as to who she was, I wasnt just going to offer up to a complete stranger and over the phone, after she had called me, and from a number that I didnt recognize or know. XXXX then became belligerent and told me to call back at the number on my telephone when you do want to give it ( my information ) to me and she then hung up on me. Her attitude and tone was Rude. Abusive. Unprofessional. Most importantly she was totally out of line as her actions are entirely undeserved and unnecessary I do not know who XXXX XXXX XXXX XXXX. is. Nor, do I believe I have EVER had any services done by them. NEVER. I would have told her that on the phone directly had she bothered to provide me with any information as to who she was calling from and what she was calling about. 

It wasnt until the following day that I received your letter in the mail that outlined this supposed debt I allegedly owed first to XX/XX/XXXX XXXX. and now that theyd transferred the debt for collection, I owed the debt to CMRE Financial Services Inc. - again, both are companies I have never heard of nor have I been contacted by previously. The debt to which you make reference to is one that I do not recognize, do not believe that I owe neither do I owe it to them or to you. 

Please check your records, let me know your findings, but in the future, when necessary for you to contact me do so only via USPS mail. 
Sincerely, XXXX XXXX cc CFPB
Consumer complaint received 2020-01-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

LoanCare LLC failed to pay the real estate taxes for our home in a timely manner. The taxes were due on XX/XX/XXXX and not paid until XX/XX/XXXX. Our account with the county we live in now has penalty and late fees assessed in the amount of XXXX and is due on XX/XX/XXXX. I have contacted this company via telephone several times thoughout the month of XXXX. On one phone call I was told that the payment for the penalties and late fees would be issued on XX/XX/XXXX. As of today, ( XX/XX/XXXX ) the check still has not been issued. We pay our mortgage on time and have never missed a payment. We have an excellent credit and do not want our credit effected.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (PA)

I have a care credit card with sync bank. I use the card for my medications at XXXX XXXX. Today I needed to pay for my XXXX  with XXXX XXXX, which is a XXXX XXXX medication, the card was declined. I called them, and the customer service agent sent me a code to my phone and said it would work. I tried again and it still didnt work. I called three more times to be told I had to wait a week for them to send me a pin, after I had one sent to me. I explained that the medication is XXXX XXXX  and she said, '' not our fault '' after they illegally blocked the card. I still have XXXX dollars on it. Since I'm going with out my treatment, I will seek legal action.
Consumer complaint received 2020-01-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BlueChip Financial (OH)

XXXX XXXX XXXX is the collection agency the original creditor is spot loans. I took the loan out for XXXX dollars and XXXX  XXXX XXXX is reporting that I owe over 2000 dollars. My second complaint Is that I took the loan out 6 years ago so the reporting on that was inaccurate also.
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FC HoldCo LLC (VA)

Flagship Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission Fraud Report number : XXXX Settlement Demand : Due to your actions, the Plaintiff is requesting a settlement payment of {$46000.00} to be issued via check and mailed to the address listed below. This proposal is intended to resolve this matter amicably and avoid litigation, remaining valid for a period of 14 days from the Effective Date. I assert that this amount is justifiable, considering the severity of the violations that have occurred over the past XXXX years. 

In light of recent developments, If necessary, I will pursue legal action for Tax & Security Fraud. Moving forward, my estate will assume responsibility for this accountXXXX. Should this matter remain unresolved by the CFPB, I will escalate my complaint to the OCC, and subsequently, I will report/whistle blow to the Securities and Exchange Commission if this situation is not addressed in a legally compliant manner outside of the court system. 

See XXXX Attached Exhibits Flagship Impending Litigation Correspondence - Thank You In Advance.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NY)

I had requested literally years ago that my Miles & More Mastercard account with Barclaycard be closed. I had been repeatedly told that it was, in fact, closed, and my XX/XX/XXXX annual fee was cancelled. But today I received an email alerting me to a forthcoming payment. I logged into the system to discover that not only was this account not closed pursuant to my repeated requests in writing and by phone, but that I had been assessed an annual fee in XX/XX/XXXX and XX/XX/XXXX. The lack of any other activity on this account, of any kind whatsoever, for years, is demonstrable evidence that I was misled into believing this account was closed.

I attempted to contact Barclaycard th is  morning, was told 'this account was closed, ' and when I confronted them with the  most recent statement as well as the record of the XX/XX/XXXX annual fee, I was told that suddenly they were having a system error and that I should call back later. This is unacceptable.

I want : -M

y XX/XX/XXXX annual fee of {$79.00} refunded.

-My XX/XX/XXXX annual fee cancelled.

-This account permanently, actually closed, for good, and to never hear about it again.

The fact that a major credit card issuer can not comply with a consumer 's request to close an account in good standing with XXXX balance is an outrageous indictment of their ability to ma
intain basic systems of account servicing and customer service.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX the company 's above reported delinquent accounts to my credit profile I have never attended, purchased or done business with the company 's listed in this report I have attached a copy of what what has been reported to my profile.
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I received a collection letter from Resurgent Capital Services in regard to a debt that is owed to XXXX  XXXX XXXX. The debt does not belong to me. I called the company and the representative stated that she needed my social security number to look up the account. I refused and let her know that if the debt belonged to me she could look it up by name or address but she refused. This collection debt is not on any of my credit reports and I have never owned a XXXX XXXX XXXX account. The collection letter is dated for XX/XX/2019 for an amount of {$9800.00}. Reference ID on the statement is XXXX
Consumer complaint received 2020-01-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Hello, I have been making advanced principal payments on my mortgage for greater than 9 years. 
I have recently rec 'd a letter from my Bank of America mortgage company w restrictions on making advance principal payments that I have never rec 'd before. 
BAC now has requirements according to the " prepayment as required by the 1990 housing legislation. 
I will attach a copy of the requirements. 
I hope you can help since the current requirements appear to be unreasonable. As I mentioned before I have never rec 'd a letter such as this before.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (GA)

Dear Consumer Financial Protection Bureau, CFPB : XXXX XXXX is reporting ( IN ERROR ) a delinquent account ( Automobile Policy Number XXXX ) that was FLAT RATE CANCELLED when they DISHONORED THE POLICY. XXXX owes me {$3200.00}. They attempted to NON-RENEW MY CONTRACTED AUTOMOBILE POLICY CAUSING ME MUCH ANGST. They were reported to Georgia Office of Insurance and Fire Safety, and a hearing DEMANDED PURSUANT TO O.C.G.A 33-2-17, b2. I HAVE BEEN GRAVELY AGGRIEVED. 

Now, they have given a debt ( I DO NOT OWE ) containing MY PRIVATE AND CONFIDENTIAL INFORMATION TO XXXX  XXXX XXXX DEBT COLLECTORS WHO ARE HARRASSING, ANNOYING, AND STALKING ME. XXXX debt collectors for XXXX  have been advised to CEASE AND DESIST AND XXXX  DEMANDED TO PAY FLAT RATE CANCELLATION IN THE AMOUNT OF {$3200.00}. The Georgia Office of Insurance and Fire Safety DEMANDED TO GRANT HEARING BEFORE COMMISSIONER, XXXX XXXX XXXX, PURSUANT TO O.C.G.A 33-2-17, b2 Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2020-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (MO)

Cardmember Service is reporting inaccurate on my credit report. It still report as a Charge-Off when the debt on the account was settled in prompt of deletion off my credit report. I dont know how you people determine accuracy when it's a false item on my report & effects me & my family. It doesn't effect CFPB nor Elan. I called the Cardmember Service on XX/XX/XXXX I spoke with a representative who said I owed a balance of {$150.00} but, no further payment was needed & they was going to delete the tradeline. I settled the account back on XX/XX/XXXX of {$350.00} why do I still owe {$150.00}? Negatively reporting as a Charge Off to my report.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my score and report. There are items on my credit that does not belong to me. These are the items that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX   XXXX {$400.00}
Consumer complaint received 2020-01-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (NV)

THIS COMPANY IS XXXX  AND XXXX!!! ... .I HAVE JUST RECENTLY TRIED TO GET INFORMATION ABOUT WHAT I " ACTUALLY '' OWE SO I CAN PAY. I CALLED EVERGREEN XXXX LOCATED IN XXXX WASHINGTON ON XX/XX/2019 AND SPOKE TO A REPRESENTATIVE AND TOLD THEM I WANT TO PAY WHAT I OWE BUT I WOULD LIKE A " FULL '' PRINT OUT/COPY " FROM THE HOSPITAL '' OF ALL THE SERVICES THEY SAY I RECEIVED WITH AN AMOUNT BREAK DOWN!! AND GAVE THEM MY ADDRESS TO FORWARD THE DOCUMENTS/BILL TO. I HAVE NEVER RECEIVED ANYTHING!!! I'VE BEEN WAITING OVER A MONTH NOW! YET SOME HOW THEY RENEWED THE AMOUNTS " THEY '' SAY I OWE ON MY CREDIT REPORT!! THIS IS AGAINST THE LAW!! THEY CANT KEEP ADDING IT EVERY MONTH SO MANY TIMES!! THEY KEEP DOING THIS! THEY MUS STOP!! OR I WILL TAKE THEM TO COURT THIS TIME FOR HARASSMENT!!! THIS COMPANY IS AWARE THAT THEY ARE DOING ILLEGAL ACTIVITY BY CONTINUALLY PUTTING THIS ON MY CREST REPORT AND STATING THAT IT IT NEW!! IT IS NOT!!!! EVERGREEN XXXX IS CONSTANTLY VIOLATING THE FDPCA ACT!!!
Consumer complaint received 2020-01-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

My student loans are current and in good standing according to the National Student Loan Data System by the Federal Student Aid which is an Office of the U.S. Department of Education. I have sent several rebuttals to the U.S Dept of Education and I have also done credit disputes about the U.S. Dept of Education still showing on my credit report, when all my student loans are with NELNET and are in good standing.
Consumer complaint received 2020-01-30
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. (FL)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (VA)

In XX/XX/2020 I made an in-store purchase at a XXXX XXXX XXXX store ( hereinafter, " XXXX XXXX XXXX '' ) in XXXX, VA. The store advertised a XXXX XXXX XXXX Credit Card which would earn 10 % back in reward dollars on merchandise purchases in-store and online. 

To open an account, I was instructed to call the card provider, Synchrony Bank. I explained to their customer service agent that I wished to open a XXXX XXXX XXXX Credit Card. I made it clear that I did not wish to open a XXXX XXXX XXXX Mastercard, which is separate and distinct from the regular XXXX XXXX XXXX Credit Card. I was advised that my application would need to be approved and that I would receive the XXXX XXXX XXXX Credit Card within 7-10 business days. 

Subsequently, I received a XXXX XXXX XXXX Mastercard, not the regular XXXX XXXX XXXX Credit Card. I immediately contacted Synchrony Bank Customer Service at XXXX ( XXXX ) XXXX on XX/XX/2020. I explained what happened. The issue was escalated to a manager, XXXX ( Staff ID XXXX, working from XXXX  XXXX ). I was advised by the manager that my application was for both the regular credit card and the mastercard. I explained that their agent did not explain this to me when applying, despite it being made abundantly clear that I did not want any mastercard but the regular card. I received an apology for the misinformation.

I believe this to be a fraudulent practice, whereby Synchrony Bank, through design or negligence, advertises a regular card but replaces it with a mastercard upon application. At the very least, their agent lacked sufficient and appropriate training, and was unable to provide clear and correct information to me, a consumer. If I had known that I would be applying for both and that it would be up to them to decide which I would receive, I would not had applied in the first place. 

I closed the account after being advised that I could not be " downgraded '' to the regular card. I was also informed by Synchrony Bank 's XXXX that, if I opted to close my account, I may not be able to reapply for the regular card. I find this practice likewise bad business practice, seemingly a threat that if I opt not to do business with them now I may never be able to do so again.
Consumer complaint received 2020-01-30
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Complete Credit Solutions, Inc. (OH)

Complete credit solution is the collection agency the original creditor is XXXX XXXX. I took the loan out for XXXX dollars and complete credit solutions is reporting that I owe over 2000 dollars. My second complaint Is that I took the loan out XXXX  years ago so the reporting on that was inaccurate also.
Consumer complaint received 2020-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

Received bill XX/XX/XXXX - Paid bill thru online bank XX/XX/XXXX - Chk cleared bank XX/XX/XXXX. 
Recd XXXX letters on XX/XX/XXXX stating they did not have enough info to post to acct money placed in their unapplied payments account. Form wanted acct # /name/addr/city-state=zip. On XX/XX/XXXX called Cstmr Svc and talked with XXXX people last was a Suprvsr who said she would forward info to correct dept and check on XXXX to be sure it had been handled. Since XX/XX/XXXX multiple emails have been sent back and forth with the last on XX/XX/XXXX stating they were still working to resolve this dispute. Bank has XXXX  as primary so chk was issued under her name ( sans my last name ) addr/cty/st/zip same as what is on their acct. Pointed out imprinted info matched their acct except name but, thru emails they have all info pertinent to applying {$300.00} from unapplied payment account to my account. To date they have been unable to rectify the problem.